Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Complaint:
I tried to open a bank account and when I attempted to open a bank account I was denied. I thought I had been denied because I have a lock on my consumers report due to someone stealing my identity. Upon calling the bank rep stated I was denied due to my high risk score reporting from the Chexsystem. I asked the rep would he know why my Chex system score could be high because I don't owe any banks any money and any bank I have done buisness with I left in good standing. I am unaware of owing any debt to a bank there has to be some mistake. He/ then stated he didn't know I would need to contact them and see why they were giving me such a low score. I proceeded to call Chex system to figure out what was on my consumers disclosure report. The rep I spoke to at Chex systems didn't want to help me, he stated I needed to do everything over the phone and figure things out on my own. I told him he was being rude and should not treat people that way, he then proceeded to hang up the phone. I called back and ordered my consumers disclosure report on the phone to be mailed to me since their system wouldn't allow me to request it online. Upon receiving my Consumer disclosure report, I noticed multiple inaccuracies reporting on my consumers disclosure report from ChexSystems.I immediately thought to myself my consumers disclosure report was not handled with accuracy or integrity due to the number of inaccuracies within this report as 12 CFR 1022.41states.12 CFR 1022.41states ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 

12 CFR 1022.41 ( d ) also states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( XXXX ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. I am challenging the accuracy and integrity of the furnished information on my consumers disclosure report within the Chexsystem. There were no banking institutions stating I owed them money just inquiries from pay day loan applications on it that I never applied for. I called Chex system to dispute the inquiries and they stated they would do an investigation into the matter and I still have yet to hear anything from Chex system about these inquiries. Chex system is required to report accurate information and they are not reporting accurate information.Due to the number of inaccuracies within this Consumer disclosure report which I have highlighted in the images below in the attachment section I know these inquiries are inaccurate and not mines. I have never attempted to apply for any loan online and they now know since Ive sent in multiple disputes to clear this information of my Chex system consumers disclosure report. I am not familiar with those addresses attached to these payday loan applications. Since Chex system is reporting these inaccurate inquires on my consumer disclosure report in their system and I am being denied checking accounts I would have been approved for had they not been reporting the inaccurate inquires on my report. This is causing me so much stress because not being able to open a checking account is affecting my employment opportunities.I have called all companies about these false applications and alerted them about the applications not being mines they stated I need to clear the inquiries with Chex system and Chex system has still not cleared them which is not prompting me to write this complaint. Please remove these inquiries of my consumers disclosure report and give me the correct score I deserve so I am able to open checking/savings accounts.

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