Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I am filing a formal complaint against ChexSystems for failing to comply with the Fair Credit Reporting Act ( FCRA ) in their handling of a fraudulent XXXX XXXX account ( ending in XXXX ) reported on my ChexSystems file. This account, which includes a charge-off amount of {$11000.00} and a closure date of XX/XX/year>, does not belong to me and is a result of identity theft. Despite my repeated disputes and follow-ups, ChexSystems has failed to conduct a reasonable investigation or provide the legally required documentation to substantiate the accuracy of this account.

Under FCRA Section 611 ( 15 U.S.C. 1681i ), ChexSystems is obligated to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information in their file. ChexSystems response that XXXX XXXX  " verified '' the account as accurate without providing any supporting evidence does not satisfy this requirement. Simply stating that the account was verified without furnishing proof is inadequate and fails to meet the standard of a reasonable reinvestigation mandated by federal law. 

Furthermore, under FCRA Section 609 ( e ) ( 15 U.S.C. 1681g ), I am entitled to copies of all documentation used to verify the disputed account. This includes, but is not limited to, the original account application, any identification or verification methods used to open the account, and any internal notes or records relied upon during the reinvestigation process. ChexSystems has refused to provide these documents, claiming that the FCRA does not require them to maintain such documentation, which is a misrepresentation of their legal responsibilities. 

Additionally, under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), consumers who claim identity theft are entitled to block fraudulent information from appearing on their credit report once they provide sufficient documentation, such as a valid identity theft affidavit or police report. While I am in the process of obtaining additional documentation, this does not absolve ChexSystems of their responsibility to investigate thoroughly and remove unverifiable or fraudulent information promptly. The burden of proof lies with the furnisher and ChexSystems, not the consumer. 

ChexSystems failure to address this dispute adequately has caused significant harm to my financial standing, creditworthiness, and reputation. The continued presence of this fraudulent account on my report is unacceptable and violates my rights as a consumer under federal law. Their dismissal of my dispute as " irrelevant '' demonstrates their unwillingness to fulfill their legal obligations, and their actions constitute negligence and noncompliance with the FCRA. 

Requested Resolution : Immediate Removal of the Fraudulent Account : If XXXXXXXX XXXX and ChexSystems can not provide legally required documentation to verify the legitimacy of this account, it must be immediately removed from my ChexSystems file. 

Provision of Supporting Documentation : ChexSystems must provide copies of all documentation used during the reinvestigation process, including : The original account application submitted to XXXX XXXX 
Identification or verification methods used to open the account. 
Internal notes or records used to confirm the accuracy of the account. 
Written Confirmation of Resolution : I demand written confirmation of the removal of the account and an updated copy of my ChexSystems report reflecting these corrections. 

Failure to comply with this request will result in further escalation, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking legal remedies for damages caused by these violations.

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