Consumer complaint received 2025-04-01 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:
To : ChexSystems , Inc. 
Attn : Consumer Relations XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CC : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Demand for Immediate Deletion of Fraudulent Accounts - XXXX XXXX XXXX XXXX XXXX XXXX ChexSystems File ID ( if applicable ) : [ Insert ID or SSN if preferred ] To Whom It May Concern, I am writing to formally dispute the continued reporting and alleged " verification '' of two fraudulent accounts in my ChexSystems file associated with XXXX XXXX XXXX XXXX XXXX XXXX. I previously submitted a comprehensive identity theft report over three months ago, which included the following : - A copy of my government-issued photo ID - A written statement detailing the identity theft - An official police report ( attached again here ) - An FTC Identity Theft Affidavit - Proof of my current address and SSN Despite this, ChexSystems has failed to block and delete the fraudulent accounts as mandated under 15 U.S.C. 1681c-2. These accounts were wrongfully " verified '' without a reasonable reinvestigation as required under 15 U.S.C. 1681i. Moreover, this continued reporting is causing ongoing harm : I am being denied services from other financial institutions solely due to ChexSystems ' inaccurate reporting. This is not just a matter of reporting errors ; Additionally, I am requesting clarification on how these accounts were allegedly verified. The documentation I received during the ChexSystems dispute came from a XXXX XXXX XXXXbranded document assumed to be a banking statement and did not originate from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  This raises serious concerns about the validity of the verification process and whether the proper data furnishers were even contacted. XXXX  XXXX XXXX has acknowledged my CFPB complaint and is using all of the contact information I provided to CHEXSTEMS AND THE CFPB to not ONLY update their systems but also, they have been attempting to contact Me by phone and email as well. ChexSystems continues to report incorrect information, indicating that ChexSystems ' data is influencing current decision-making processes, despite my documented identity theft and the legal requirement to block this information. Per 15 U.S.C. 1681b, ChexSystems is unlawfully providing access to my consumer information without a permissible purpose, given that the fraudulent accounts should have been blocked under 15 U.S.C. 1681c-2.

I am demanding the following immediate actions : 1. Complete deletion of the XXXX XXXX XXXX XXXX XXXX XXXX accounts from my file. 
2. Written confirmation of removal within 5 business days.

3. Cease and desist all further reporting of these accounts.

4. A current copy of my updated consumer file.

5. A full explanation of how these accounts were verified, including which financial institution provided verification and on what basis. 

This is my final notice before pursuing further action through the FTC and possible legal claims under 15U.S.C. 1681n and 1681o. 

Sincerely, XXXX XXXX

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