Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
ChexSystems attempt to deflect responsibility by falsely claiming I did not first reach out is both factually inaccurate and legally irrelevant. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code? 1681i ( a ) ( 1 ) ( A ), once a consumer disputes any item of information, the consumer reporting agency must conduct a reasonable reinvestigation within 30 days. I have made multiple demands both directly and through consumer protection channels for ChexSystems to validate or remove the multiple blatantly false entries, and you have failed to provide a shred of legally sufficient verification. Under? 1681e ( b ), you are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information you report. Your continued publication of false, unverified data without supporting contracts or documentation is a direct violation of this federal obligation. By refusing to remove these unverifiable entries and obstructing my access to vital banking services, ChexSystems is now in willful noncompliance under? 1681n, making you fully liable for actual, statutory, and punitive damages, attorneys fees, and costs. The Supreme Court has held in XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. 47 ( 2007 ) that failure to correct inaccuracies after being notified qualifies as willful misconduct. This is more than negligence-its defamation, misreporting, and interference with my finances. Your claim that unverifiable data can remain for five years is a gross misreading of the lawyou are obligated to delete false data. My legal team is preparing a $ XXXX lawsuit citing? 1681n, 1681o, and state law. This complaint will not be withdrawn. Additional action is being taken with the * * * * * FTC, and state regulators. 
Ive called support countless times, and get nowhere no clear answers, no solution. Im stuck in a loop where * * * * misinform me, transfer me, or send me to XXXX. XXXX says the problem is on ChexSystems end and sends me back. This back-and-forth has dragged on a year with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  make things worse, many ChexSystems agents I spoke to were unhelpful, clueless, and at times rude. When I reached supervisors ( twice in a year ), they said, Theres nothing we can do. So Im locked out with no account and no access to my info because ChexSystems cant or wont fix the glitch blocking me.This isnt just inconvenient its unacceptable for a company handling sensitive data and affecting financial lives. Im far from alone. Hundreds online have the same problem. ChexSystems knows but hasnt seriously tried to fix it.I demand ChexSystems fix the broken system stopping people like me from setting up accounts. They owe a clear explanation and a knowledgeable contact who can solve this without passing us around. After a year, we deserve immediate action and a path forward.Consumers shouldnt have to fight this hard to access their info its their right, backed by law. I expect ChexSystems to fix their system ASAP and confirm full access to my data through a working portal. If not fixed quickly, I want a formal apology and assurance theyll improve to prevent this nightmare for others.

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