Consumer complaint received 2017-03-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Check systems responded again with lies. Unless the president of the United States proposes an amendment to the Constitution of the United States ChexSystems has to obey the law. The law does not give ChexSystems a right to apply any new language or interpret the law the way they want to because they want to be right. Unless ChexSystems is Congress check systems can not rewrite any laws. The language in the law does not give ChexSystems the right to demand a date or a new police report that fits the dates they feel exist. Congress simply said I have to claim identity theft and make a written report and that is good for any identity theft that happens to me regardless of any time frames. The reason Congress did not limit the time frame of a police report or identity theft report is because it 's good once for all identity theft that would happen to me period because I filed the police report in XX/XX/XXXX Congress allows for it to be good in XX/XX/XXXX and in XX/XX/XXXX. ChexSystems can not change that fact. They claim that their interpretation gives them the right to break the law. I 'm saying the Consumer Financial Protection Bureau needs to slap ChexSystems down and tell them to back off of that position because they are wrong. The law does not give ChexSystems the right to pick and choose what items I claim as identity theft they can or can not block it does not give ChexSystems the right to interpret the law and say well they really meant that the police report has to be within the time frame of the identity theft even though the law does not say that and ChexSystems does not have the power to do that because the law does n't give it to them. The law is very clear and there are no time frames that the identity theft has to fit into the police report time frames. I asked ChexSystems to show the section of the law that gives them the right to demand that. I asked check systems to provide the part of the law section 605b of the Fair Credit Reporting Act that gives them the right to interpret the law to mean that period check systems has refused to show where they feel they are allowed to say what they just did. They are breaking the law by saying that they are flouting it in the Consumer Financial Protection bureau 's face that they feel they can rewrite congress 's law and say even they do n't have a time frame in the law we can add one on our own. ChexSystems is not Congress and they are not the courts period check systems has to follow the law and that 's what I 'm asking them to do change their policy from breaking the law and not blocking items because they feel it fits and simply follow the law as it is written. 
Until ChexSystems provides this information they are breaking the law and I 'm going to keep filing these complaints until it gets backed up and it 's their fault for not replying to my claims that they are breaking the law and they do n't have the right or power to do that. They can not add language they can not demand anything of me except my filed identity theft report. They can not demand that it be refiled or that it 's old. Check systems does not have that right or power and they need to be told that directly because they are harming people me and particular at this point because they are arrogantly wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation