Consumer complaint received 05-07-2016 about Bank account or service (Other bank product/service) with Fidelity National Information Services, Inc. (FNIS) (DC).
Issue: Account opening, closing, or management

Complaint: Complaint Source : ChexSystems -- a reporting source to the financial institutions in reporting consumer data activity adverse and derogatory. ChexSystems provides similar services as an official credit / credit reporting agency. 
ChexSystems - Consumer Relations in XXXX, MN provides consumer reports with an ID # XXXX -- dated report received XXXX XXXX, XXXX for consumer XXXX XXXX -Social Security # XXXX. 
ChexSystems listed inquiries pertaining said consumer ; and listed Personal information as a profile and adverse reported information from its merchants, members, subscribers, creditors etc. 
ChexSystems has listed data provided to them by XXXX Bank on this consumer report. Consumer has disputed said data several times with ChexSystems. ChexSystems claims they investigate the data with the source / creditor / institution and provide a similar dispute investigation as credit bureaus to consumers. ChexSystems received a dispute letter XXXX XXXX, from consumer in relation to items listed by XXXX Bank ; which are in error and possibly the statue of limitations have expired. ChexSystems, does not remove the data nor do they intervene in any dispute ; unless the source provider makes modifications and rermove data. Therefore, leaving the consumer with no alternative nor option to repair, recover and/or remove said data. 
Consumer has requested ChexSystems to provide documentation, data details and vigorously investigate the dispute. All ChexSystems, have provided ; is the verification of name, address, SS # and the information as accurate within the ( FI ) financial institution ( s ). 
Consumer contends ChexSystems, damages consumer 's ability to regain financial or banking services due to data on their reports. If the data is inaccurate other than making notation of the dispute ; investigate the matter and remove it ; within the statue of limitations, and/or remove the data if it is n't factual. ChexSystems, is n't taking responsibility for errors in data provided to them ; however, is n't taking measures to correct, repair and validate the data either. 
ChexSystems ; provides adverse / derogatory data about consumers from their database sometimes ; without evidence ; other than data received from subscribers, merchants, creditors, or members of ChexSystems. -- The consumer is left with no other option ; than to suffer the consequences from this information as reported. Mostly, if its outdated, in error and without merit. 
Consumer contends ChexSystems should remove adverse data from consumer 's file until disputes are validated, investigated and cleared by said institution, creditor, vendor, merchant, subscriber etc. Moreover, ChexSystems should be held accountable for damages incurred to consumer for reporting invalid, erroneous, inaccurate, unsubstantial data against a consumer. 
Consumer has requested ChexSystems to remove data which is outdated and/or expired statute of limitations. To date, XXXX XXXX ; neither ChexSystems nor the reporting source have accomplished this request.

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