Consumer complaint received 2024-07-06 00:00:00
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)
State: CA

Complaint narrative:
I am a victim of Identity Theft. I have been working diligently to repair my Identity and credit profile. I have reached out to chexsystems a few times and each time was at least 1 hr on the phone then come to find out nothing was done as promised. I am extremely frustrated and disappointed at the level of service that was provided!. The last time on the phone with a representative, I spent almost 2 hrs going over derogatory items that wasn't mine, logging in issues, and then disputing them fraudulent items on my Chexsystems report. After 2 painful hrs on the phone, I requested a confirmation number for the disputed items. The representative refused to give me a confirmation number then the phone cut off on me!. I was beyond frustrated and couldn't believe what just happened!. I reached out to them the next morning once again. I come to find out that nothing was done by the last representative that I spoke with that hung up on me! I spent another 1 and a half hours going over and redoing what was requested the last time! After all said and done on the phone with the representative, I uploaded a copy of my Identification and my Identity Theft Report from Federal Trade Commission. Three days later I received an email stating that my Identity Theft Report from FTC wasn't sufficient enough and wasn't considered a valid theft report. Thefore my claim was denied and in order for reconsideration on the same claim, I must provide them with a copy of my Identity Theft Report sign by an officer or a copy of a police report. I also mentioned to the representative before filing the dispute ; that the same items that im about to dispute with Chexsystems furnished by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has already been confirmed and deleted by XXXX, XXXX, and XXXX. I also mention to representative that under FCRA CONSUMER LAW THAT THE FURNISHERS MUST FORWARD THE CORRECTED INFORMATION TO ALL CREDIT REPORTING AGENCIES AND TO MAKE SURE THAT ONLY THE CORRECT INFORMATION IS REPORTED FROM NOW ON. By not complying is a major violation base on consumer law. I believe Chexsystems is not the only one that is not with compliance. The furnishers that are responsible for reporting the inaccurate items, if found incorrect the furnishers are also responsible for forwarding the correct or corrected information to ALL CREDITREPORTING AGENCIES so that correct information is reported for the consumer from now on!. The furnishers that are mentioned in this matter is XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX ). 
Im extremely disappointed and don't know what else to do to resolve this issue with Chexsystems and hopefully I dont have the same issue with other CRA 's thats out there. I reach out today hoping for someone to help and looking forward for the good news.

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