Consumer complaint received 2023-03-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Filed complaint about Chex system about their investigation and with bank account. They keep stating about bank account abuse etc. My credit was being used fraudulent and have been fighting this for over 10 or more years due a breach by the federal government. Chex system and creditors have been supplied with information. I have obtained police reports, FTC Identity Theft Reports and letters. Chex system needs to delete the items listed on my report as soon as possible. Im in receipt of an attorney willing to file complaints with The Eastern District of District Court for Violations of Chex System and XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. Nobody is supplying information to confirm that I had accounts. They havent even submitted a valid signature card. I have had my current bank since I started working with the government. I have always used XXXX XXXX and a credit union. 

I also do not want to deal with XXXX XXXXXXXX XXXX and only with the original creditor. I have that right because I have no dealings with XXXX XXXX XXXX. I keep seeing that they states that a signature card was sent but it hasnt been sent plus it is impossible for them to have something signed by me because I have signed anything. 

Their response was, Chex Systems , Inc. ( ChexSystems ) has reviewed the complaint filed by XXXX XXXX XXXX. ChexSystems is a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act ( FCRA ). ChexSystems provides services to financial institutions and other businesses that have a permissible purpose under the FCRA. ChexSystems services primarily assist its clients in assessing the risk of opening new accounts. When providing this service, ChexSystems abides by the requirements of the FCRA and any applicable state statutes. ChexSystems neither approves nor declines accounts for its clients. Account opening decisions are determined by an institution and its individual policies. ChexSystems is not a collection agency and does not attempt to collect, negotiate or accept payment on behalf of its clients. Our records indicate that ChexSystems has previously received a dispute directly from the consumer regarding reported information submitted by XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX on XX/XX/2022. As is our standard practice, ChexSystems placed the reported information in dispute and sent a letter to notify the consumer of our intent to initiate a reinvestigation. ChexSystems notified XXXX  XXXX XXXX of the consumers dispute and requested that they reinvestigate the accuracy and completeness of the information submitted. ChexSystems received additional documentation from the consumer on XX/XX/2022, which states that information contained in ChexSystems files is a result of identity theft. ChexSystems also received a copy of the FTC Identity Theft Report document that was attached to the complaint. The Identity Theft Report includes a notation that states, Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. To accept the FTC report for tradeline block purposes, ChexSystems does require that it be signed by a law enforcement officer or that the consumer also provide a copy of a report filed with local police. ChexSystems contacted the source ( s ) again to provide them with a copy of the FTC Identity Theft Report that was provided by XXXX XXXX on XX/XX/2022. Due to the additional relevant information and/or documentation provided by the consumer during the course of the reinvestigation, the timeframe was extended up to 15 days to allow the source sufficient time for review. The disputed information submitted by XXXX XXXX XXXX XXXX has been removed from the consumers file based on the results of the reinvestigation. ChexSystems sent a letter to notify the consumer of the results of the reinvestigation and to provide an updated consumer disclosure report. XXXX XXXXXXXX XXXX has verified the information to be accurate and complete and provided copy of the account signature card. As a result, it will remain on file at ChexSystems. ChexSystems sent a letter to notify XXXX XXXX of the results of the reinvestigation. Copy of the account signature card provided by XXXX XXXX XXXXXXXX was also included. The letter also explains that, in accordance with the FCRA, the consumer may provide a valid identity theft report signed by a law enforcement officer or police report filed with a law enforcement agency that clearly supports the claim. Once ChexSystems receives the required supporting documentation, we will review the situation further and provide the consumer with notification of any action taken. To obtain additional information regarding this matter XXXX XXXX may contact XXXX XXXX  XXXX General Customer Service at XXXX. If XXXX XXXX would like to provide a copy of a police report filed with a local police department, or a copy of the FTC Identity Theft Report signed by a law enforcement officer to ChexSystems, we will review the matter further and take appropriate actions in accordance with the requirements of section 605B of the federal Fair Credit Reporting Act. The complaint listed a dispute of information submitted by XXXX XXXXXXXX XXXX. The consumers file at ChexSystems does not include information submitted by this financial institution.

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