Consumer complaint received 2024-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

I am filing this complaint because fraudulent activity resulting from identity theft has severely harmed my financial reputation and caused significant distress. Despite successfully resolving some issues with the major credit bureaus, my ChexSystems consumer score remains low due to inaccuracies, unauthorized accounts, and inquiries. 

Details of the Incident : Over the past 36 months, several fraudulent accounts were opened in my name across multiple financial institutions, and unauthorized transactions were conducted. These accounts and activities were not initiated by me. 
For example, on XX/XX/XXXX, a fraudulent transaction of {$68.00} was marked as " Account Closed '' at XXXXXXXX XXXX 
Additionally, unauthorized ACH withdrawals, including {$130.00} on XX/XX/XXXX and {$400.00} on XX/XX/XXXX, occurred at XXXXXXXX XXXX 
Similar fraudulent activities were recorded at XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX, along with numerous unauthorized hard inquiries. 

These fraudulent accounts led to numerous hard inquiries and flagged items on my consumer report, negatively affecting my ChexSystems consumer score, which was calculated at XXXX. The score reflects the fraudulent items and factors such as : Recent and frequent unauthorized inquiries ( Reason Code : XXXX XXXX ) Negative demand deposit account ( DDA ) history resulting from fraudulent activity ( Reason Code : XXXX ) Despite successfully resolving disputes with XXXX, XXXX, and XXXX, where over {$55000.00} in fraudulent debt was removed, and my credit score increased by XXXX points, these issues persist on my ChexSystems report. 

How This Affects Me : The fraudulent activity and resulting low ChexSystems score continue to cause significant financial harm : Denied Access to Banking Services : I can not open necessary bank accounts for financial stability. 
Difficulty Accessing Credit : While my credit reports have been corrected, financial institutions relying on ChexSystems view me as a high-risk consumer due to the lingering fraudulent items. 
Emotional and Financial Stress : I have invested significant time and effort in disputing these issues and rebuilding my financial life. 

Actions Taken : I successfully disputed fraudulent accounts and inquiries with XXXX, XXXX, and XXXX, leading to : The removal of {$55000.00} in fraudulent debt An increase of XXXX points in my credit score. 

I filed an FTC Identity Theft Report and provided it to all relevant parties to document the fraudulent activity. 

I placed fraud alerts on my credit files and am actively working to dispute the fraudulent accounts, transactions, and inquiries appearing on my ChexSystems report. 

What I Am Requesting : I request that EXXXX XXXX XXXX and ChexSystems block all fraudulent accounts, transactions, and inquiries from my consumer report as required by the Fair Credit Reporting Act ( FCRA ). I also ask that they remove the negative factors impacting my consumer score, ensuring it accurately reflects my legitimate financial behavior. 

Additionally, I seek CFPB assistance to ensure that XXXX XXXX XXXX and ChexSystems conduct a thorough reinvestigation of these inaccuracies and provide confirmation of the removal of all fraudulent items.