Consumer complaint received 2022-11-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I AM A VICTIM OF IDENTITY THEFT SINCE XXXX AND BEYOND, AND I HAVE NOT APPLIED FOR A CHECKING ACCOUNT IN NEARLY XXXX YEARS OR LONGER. RECENTLY I DID APPLY AND WAS TURNED DOWN AND I HAD NO IDEA WHY SO I REQUESTED A COPY OF MY CHEXSYSTEMS REPORT AND WHEN I RECEIVED IT I WAS SHOCKED THAT SOMEONE HAD APPLIED FOR XXXX CHECKING ACCOUNTS IN MY NAME MAKING RIDICULOUS INQUIRIES ALL OVER THE PLACE USING ONLINE ACCESS APPLICATIONS. 

I IMMEDIATELY UPDATED MY FTC AFFIDAVIT THAT WAS ORIGINALLY SENT TO THE FTC IN XXXX, XXXX, AND ETC. AND OBTAINED A NEW POLICE REPORT, PROVIDED MY DRIVERS LICENSE, SOCIAL SECURITY CARD, UTILITY BILLS, AND MY COMPLETED FTC AFFIDAVIT AND I SENT ALL REQUESTED INFORMATION TO CHEXSYSTEMS AS THEY REQUESTED WHEN I CALLED AND SPOKE TO A REPRESENTATIVE. I WAS ADVISED WHEN SPEAKING OVER THE PHONE WITH CHEXSYSTEMS THAT IMMEDIATELY WHEN THEY RECEIVE MY DISPUTE THEY WILL REVIEW AND DELETE ALL WRONGFUL INFORMATION. THIS DID NOT HAPPEN. INSTEAD CHEXSYSTEMS CONTINUED OVER AND OVER AND OVER AGAIN TO REQUEST MORE AND MORE INFORMATION FROM ME AS IF I WAS THE FRAUDSTER WHO WAS USING MY CONFIDENTIAL AND PERSONAL INFORMATION. 

CHEXSYSTEMS WAS CONSTANTLY MAILING ME BACK AND FORTH THROUGH THE MAIL AND REFUSING TO COMPLY TO THE DISPUTE AND COMPLAINTS THAT I HAD WITH THE BBB AND THE FTC WHICH REQUIRED THEIR REPLIES DIRECTLY TO THE AGENCIES. INSTEAD THEY WOULD CONTACT ME DIRECTLY AND FAIL TO COMPLY ACCORDINGLY AND THE AGENCIES WERE NOT AWARE OF WHAT THEY WERE SAYING OR DOING WITH ME BECAUSE CHEXSYSTEMS CONTINUED TO CONTACT ME OUTSIDE OF THE AGENCIES I DISPUTED WITH. 

CONTINUOUSLY CHEXSYSTEMS GAVE ME THE RUNAROUND, THEY CONTINUED TO IGNORE MY REQUESTS TO HAVE THE XXXX INQUIRIES REMOVED EVEN AFTER I PROVIDED THEM WITH ALL THE REQUESTED INFORMATION THAT THEY NEEDED! XXXX WAS OUTRIGHT IGNORING AND FAILING TO ACCEPT THE FTCS AFFIDAVIT WHICH IS A VIOLATION OF MY RIGHTS AS A CONSUMER AND A VICTIM OF IDENTITY THEFT AND THEY SHOULD BE INVESTIGATED FOR THE MANNER IN WHICH THEY REVIEW AND HANDLE DISPUTES BECAUSE THEY ARE NOT ACKNOWLEDGING THE FTCS AFFIDAVIT AND THE ATTACHMENTS I PROVIDED TO THEM PROVING MY IDENTITY!! 

TO DATE, CHEXSYSTEMS HAS FAILED TO ACCEPT THE FTCS AFFIDAVIT AND ALL SUPPORTING DOCUMENTS THAT I HAVE PROVIDED TO THEM. THIS HAS BEEN GOING ON NOW FOR OVER 4 MONTHS AND TO DATE MY NAME REMAIN DEFAMED AND I AM STILL IN A POSITION OF BEING DECLINED FOR BANK ACCOUNTS WHEN I HAVE NOT DONE ANYTHING WRONG HERE NOR HAVE I INITIATED THESE APPLICATIONS THAT SHOULD BE ALL DELETED AND REMOVED FROM CHEXSYSTEMS. 

ADDITIONALLY CHEXSYSTEMS HAS ALSO TAKEN MY CURRENT ADDRESS, TELEPHONE NUMBERS AND EVEN MY PERSONAL EMAIL ADDRESS AND ADDED THIS INFORMATION INTO THEIR DATABASE FOR MY FILE, ALONG WITH ALL THE FRAUDULENT AND WRONGFUL INFORMATION THAT DOES NOT PERTAIN TO ME, INCLUDING ALL THE XXXX ( EXCESSIVE INQUIRIES ) THAT STILL HAVE NOT BEEN DELETED. NOW IT APPEARS THAT I INITIATED ALL THESE INQUIRIES SO NOW WHEN A BANK PULLS MY CURRENT ADDRESS OR MY NAME THEY SEE THESE INQUIRIES THAT ARE BEING HELD AGAINST ME. THE PERSON THAT USED MY NAME AND PERSONAL INFORMATION HAS A COMPLETELY DIFFERENT SOCIAL SECURITY NUMBER THAN MINE AS WELL AS A DIFFERENT ADDRESS BUT CHEXSYSTEMS HAS ADDED AND AMENDED MY CURRENT INFORMATION ALONG WITH THE FRAUD INFORMATION AND NOW IT ALL APPEARS TO BELONG TO ME WHEN IT NEVER SHOULD HAVE BEEN ADDED TO THE FILE DATA IN THE FIRST PLACE. 

IN MY OPINION DOING THIS, DOES NOTHING BUT GIVE THE FRAUDSTER LEVERAGE AGAINST ME AND CONTINUES TO DESTROY AND DEFAME MY NAME. ALSO OUT OF NOWHERE, THERE IS ALSO A CHECKING ACCOUNT WITH XXXX ON MY RECORDS THAT I NEVER EVEN OPENED AND THAT JUST ALL OF A SUDDEN APPEARED WHEN I CONTACTED CHEXSYSTEMS WHEN IT WAS NEVER THERE BEFORE. 

CHEXSYSTEMS HAS NO COMPETITORS AND THERE ARE NO OTHER COMPANIES THAT OFFER THE TYPE OF SERVICES THAT THEY OFFER BUT YET CHEXSYSTEMS IS NOT UPHOLDING THEIR SERVICES CORRECTLY FOR THE BENEFIT OF CONSUMERS. ALL THEY ARE DOING IS UPDATING AND ADDING INFORMATION WRONGFULLY AND NOT DELETING ANYTHING THAT IS BEING DISPUTED AND IT SHOULD NOT TAKE XXXX MONTHS TO HAVE DISPUTED INFORMATION REMOVED. 

I WAS TOLD SEVERAL TIMES THAT THE INQUIRIES WERE DELETED OR NO LONGER REPORTING BUT EVERYTIME I RECEIVE ANY TYPE OF CORRESPONDENCE FROM CHEXSYSTEMS ALL THE SAME ORIGINAL INFORMATION STILL REMAINS ON MY RECORDS AND THE INFORMATION DOES NOT BELONG TO ME AND I AM TIRED OF DEALING WITH THESE XXXX  AT CHEXSYSTEMS BECAUSE THEY ARE NO WAY ADHERING TO THE GUIDELINES OF THE FTCS AFFIDAVIT AND HOW TO EXECUTE THE INFORMATION WHEN A CONSUMER DISPUTES IT. INSTEAD THEY WRITE XXXX AND DO NOTHING OF THE SORT TO DELETE ANYTHING AND CONSTANTLY REQUEST MORE AND MORE INFORMATION AS IF WE ARE THE FRAUDSTERS. 

CHEXSYSTEMS DOES NOT CARE ABOUT THE CONSUMER AND WHAT WE ARE GOING THROUGH HAVING TO DEAL WITH THIS TYPE OF PROBLEM, BUT YET THEY ARE THE SOULKEEPERS FOR THE BANKS BUT THEIR INFORMATION IS WRONG AND THE BANKS BELIEVE WHATEVER THEY READ AT CHEXSYSTEMS AND DO NOT ACKNOWLEDGE THE CONSUMER AT ALL.

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