Fidelity National Information Services, Inc. (FNIS)

2018-05-11

Dallas, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-11

Derwood, MD

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-10

Gloucester City, NJ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I XXXX XXXX ; XXXX reserve all of my unalienable rights forever and always. I never had a XXXX XXXX account of any kind. XXXX XXXX is saying that I do. My identity was stolen and an account opened in my name without my knowledge or consent.XXXX XXXX does not have my consent to report any of my private information with any person or any company. XXXX XXXX may only communicate with me in writing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-10

Gloucester City, NJ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I XXXX XXXX ; XXXX reserve all of my unalienable rights forever and always. I never had a XXXX XXXX account of any kind. XXXX XXXX is saying that I do. My identity was stolen and an account opened in my name without my knowledge or consent. XXXX XXXX does not have my consent to report any of my private information with any person or any company. XXXX XXXX may only communicate with me in writing..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-10

Birch Run, MI

Problem with a company's investigation into an existing issue

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: Went to my local grocery store one I have written checks for over 500 times never once has any bounced today they denied my purchase for code 2 saying it was an error and no it wouldnt reverse it decision. I tried to speak with someone more in charge was told there wasnt anyone called back and was hung up on. Called back again and was told it was because I bounced a check with the grocery store which I have never done. Given complete run around and hung up on again
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-09

Allentown, PA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-09

Rncho Domingz, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Complaint: Back when I was a college student in XXXX, XXXX XXXX XXXX reported me for " account abuse '' because of an overdraft. I subsequently paid the {$120.00} I owed and I was told by the branch manager that the account was " paid in full '' and that everything was " taken care of ''. Fast forward to XX/XX/XXXX when I tried to open a checking account at another bank, I was denied because XXXX XXXX XXXX was still reporting me for " account abuse ''. I am confused because five years ago in XXXX I paid the bank the {$120.00} I owed and they assured me everything was resolved. So I decided to dispute the Chexsystems entry based on its inaccuracy. Then when my mother tried to open a checking account at another bank, she was also denied because apparently XXXX XXXX XXXX switched my information with hers. Recently, we visited a local XXXX XXXX XXXX branch in order to try to get the mix-up rectified, but we were told that there was nothing the bank could do, and they instructed us to call customer service instead. This has caused a tremendous amount of confusion and distress for me and my mother. I want the Chexsystems entry deleted from both my records and my mother 's record as well. It is completely unfair that my mother can not open a new bank account because my information has been mixed up with hers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-09

Rncho Domingz, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Complaint: Back when I was a college student in XXXX, XXXX XXXX XXXX reported me for " account abuse '' because of an overdraft. I subsequently paid the {$120.00} I owed and I was told by the branch manager that the account was " paid in full '' and that everything was " taken care of ''. Fast forward to XX/XX/XXXX when I tried to open a checking account at another bank, I was denied because XXXX XXXX XXXX was still reporting me for " account abuse ''. I am confused because five years ago in XXXX I paid the bank the {$120.00} I owed and they assured me everything was resolved. So I decided to dispute the Chexsystems entry based on its inaccuracy. Then when my mother tried to open a checking account at another bank, she was also denied because apparently XXXX XXXX XXXX switched my information with hers. Recently, we visited a local XXXX XXXX XXXX branch in order to try to get the mix-up rectified, but we were told that there was nothing the bank could do, and they instructed us to call customer service instead. This has caused a tremendous amount of confusion and distress for me and my mother. I want the Chexsystems entry deleted from both my records and my mother 's record as well. It is completely unfair that my mother can not open a new bank account because my information has been mixed up with hers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-09

NH

Unable to get your credit report or credit score

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Problem getting your free annual credit report
Complaint: On XX/XX/18 I requested a copy of my credit report using chexsystems and using there automated machine at XXXX. I had received a report this way in the past. I have had an XXXX breach, XXXX breach, also I had been alerted that a previous potential employer had a confidentiality breach due to a past employee stealing a laptop with personal information. Address, Social security numbers, State and government issued IDs, etc. I have also had issues with my bank account XXXX XXXX XXXX, and cell phone carrier, XXXX which my father, mother and brother and I are all under one plan. Not receiving the report is alarming since you leave all identifying information verbally. There is not a person to speak to nor a facility close by to discuss my report. So I requested one online and received a confirmation that I would be receiving the report within 5 business days so most likely by Tuesday or wendsday of next week today is XX/XX/18.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-09

Bray, OK

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-08

Chicago, IL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Public record information inaccurate
Complaint: This is an account being reported by XXXX which has not been validated nor authorized by me has been proventing me from obtaining credit and/or Loans, as per FDCPA and FCRA acts, this is a violations of those terms and must be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-07

Gloucester City, NJ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: To whom it may concern, For the record and on the record, I XXXX XXXX ; XXXX reserve now and forever reserve my unalienable rights. Chexsystems has some checking accounts listed in their system that are not mine. My identity was stolen and used to open checking accounts. I notified Chexsystems of this in good faith with the hopes they would rectify this issue. Chexsystems in bad faith has refused to remove these accounts out of my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-07

Winton, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Information belongs to someone else
Complaint: Certegy, XXXX 's chech cashing verifying service apparently has information under my consumer file that isn't mine. I was turned away from cashing a check from work twice. When attempting to inquire/remove the information I received no response. After numerous failed attempts I still can not cash a check from work any where that would use the same service to verify a check. I would like this information to be removed and any debt that coincides with it, in hopes that I may not have to drive all over just to cash my church and pay my bills.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-07

Aurora, CO

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Public record information inaccurate
Complaint: XXXX XXXX XXXX reported to XXXX that I was suspected of fraud and closure status unpaid. I never had an account in fact, I tried to open an account and was denied. The bank refunded my XXXX $ deposit and cashed it at XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. This is by far the worst thing anyone could have on there account. Since emailing the CEO of XXXX XXXX XXXX XXXX XXXXf customer relations has tried to tell me to stop the dispute and they would remove what is on my credit report. I pay high interest on my car payment and insurance currently. please help me resolve this is by far the worst thing anyone could go through.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-06

Warrenton, VA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: On XX/XX/2018 I tried to pay for goods and services from XXXX XXXX XXXX. XXXX. I bought 2 suits, tried to pay with a check and it refused the check. I had more than sufficient funds in it. Then I tried to pay with a second checking account ( that also had plenty of money in it ) and that was also refused by : CERTEGY... I was totally embarrassed and humiliated. Everyone at the counter was looking at me like I was a thief. I was a cop for over 20 yrs... Their call back number did nothing, and the computer generated voice activation system, kept messing up my account # when I called. This company has 590 complaints on the Consumer Affairs website, and is rated at one star out of 5. Totally incompetent.. Please fine them and yank their permits to operate as a legitimate business. Where do I go to get my reputation back at the store??? cont.. I would like an apology from the CEO - XXXX XXXX XXXX in writing to myself and the employees at XXXX XXXX - XXXX XXXX mens suit dept. who worked on XX/XX/2018. The check was for {$530.00}. They had to run two checks, and one CC ( finally accepted ) and take the time to re-check out the items I purchased and caused a back up in the line, and people giving me dirty looks like I did something wrong. I would like the same from Certegy 's CC VP - XXXX XXXX XXXX XXXX, because it is his division. And no one answers the phones to correct this at XXXXXXXX XXXX on a Sat. afternoon. If credit is granted XXXX ; the company ought to have people available to correct their mistakes. Certegy should probably pick up half the tab that day. I mean really. You see it all the time in stores where people just stick in a CC and the store accepts it. Sign names like XXXX XXXX and post it to the internet. Even when people hand over a drivers lic. clerks rarely look at the picture. In the old days people were questioned about their documents, but not anymore. Big business and banks are always right, and to speak up about anything they hide behind rules, and automated systems that are not human to correct. Maybe Certegy should be promoted and put in charge of the USA 's nuclear missiles. I'm sure they'd do a great job. " Mr. President this is Certegy a finance company who assists the Dept. of Defense with approvals. Your launch codes have been declined! Please go on line if you have anything to say about this. We are open from Mon-Fri normal business hours. On Monday when we open someone from a foreign country may assist you. '' " Also, please have your routing numbers, DOB, drivers license, bank account numbers available as you will be asked for this information before we authorize a launch ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-05

Richardson, TX

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: Chexsystem 's refuses to accept my FTC Report from the Federal Trade Commission, which is proof of identity theft as a source of documentation to remove the inaccurately reported checking account information which XXXX also advised me they purposely are reporting it inaccurately. The Checking account lists that there were " Account Abuse ''. Per the credit union, they reported this information after closing the checking account even though the account was current at the time of closure. The accounts were never abused per the credit union, one dispute was filed for transactions that occurred online as a result of identity theft. These transactions were for a online streaming service called XXXX. Per the credit union, they closed this checking account due to this dispute. At that time they negatively withdrew the charges twice, and then charged a fee. They never notified me " The Consumer '' about any of these charges, nor disputes nor ever provided any information on any of this. It was months later when i had to actually walk into a branch and ask them if they knew anything about the ChexSystems report. They said they weren't sure as they show the checking account current and closed and are not sure what happened. They called their management which again told them they did not report any information to chexsystems. Upon speaking to XXXX further, they are advising me they are reporting this information as inaccurate even though i have reported identity theft. They are reporting this because they say since the credit card accounts were " Charged off '' that automatically shows account abuse and they will report it for every account they have in their institution. Even though it isn't true. XXXX continually unblocked and blocked my online access for many months this occurred. Not only do they report this information inaccurately they show addresses i have never lived at including XXXX XXXX XXXX XXXX TX XXXX. Furthermore i reviewed the Fair and Accurate Credit Transactions Act chexsystems previously mentioned in that report this is mentioned " Notify law enforcement ; or Determine that no response is warranted under the circumstance. '' Under these circumstances since XXXX verified that they reported the inaccurate information on purpose to me and the NCUA. This information should be blocked from my file immediately. I as a consumer have a right to determine if law enforcement is warranted. They openly admitted to reporting inaccurate information. Therefore under the FCRA, I am submitting to you a statement of identity theft from the Federal Trade Commission which is put in place to protect consumers against identity theft and to have this inaccurate information blocked immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-03

Sacramento, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: I had checking account and charged from XXXX of {$35.00} for membership. I was given 90 days as trial period and I could cannel this within 90 if I did not like their products. Within 6 days member ship was cancelled and I had entire 90 days to cancel. Around XX/XX/XXXX was the last day to cancel membership. Cancellation dated email was sent on XX/XX/XXXX is not 90 days. Multiple banks I tried to open new accounts has been denied because credit reporting indicates I have not paid {$180.00}. My member ship was canceled within time allowed and I dont to pay anything to XXXX XXXX. The amount that I was supposed to be paid was {$35.00} and late fee and other charges has been added to come to {$180.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-03

Columbus, OH

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Public record information inaccurate
Complaint: I was going over my ChexSystems report and I notice information that is old and old dated, and not listed properly. I had a bankruptcy that should had discharged the account that are still showing. XXXX should not have a balance showing since it was discharged in my bankruptcy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-02

NJ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: On or around XX/XX/XXXX I learned that a bank account was opened at XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) using my personal information. I did not authorize this account to be opened and came to learn ofsame after being denied a savings account. Upon receipt of myChexsystems report in XX/XX/XXXX, I immediately disputed same on the basis of fraudulent and requested the negative reporting information be removed from Chexsystems. I continued to make attempts to contact the XXXX XXXX XXXX in an effort to have the information removed but was unsuccessful. I continued to advise the bank that i did not open this account.After filing a fraud identity report with the FTC, I forwarded acopy of same to the bank evidencing fraudulent activity, again requesting the false information be removed. I have had toplace security freezes and fraud alerts on my credit report. In the alternative, I also requested, should the bank maintain thatthis account was valid, albeit false, that they provide theappropriate documents to verify this. To date, I still have notreceived any information from the bank verifying the accuracy of this account and I continue to maintain that this was a fraudulently acquired account opened by someone who usedmy personal information without my consent. On XX/XX/XXXX, after being denied for another bank account, I received aChexSystems report indicating that this institution continuedto report negative information. I again disputed the informationon the basis of fraud I requested any documentation that the bank believed would verify the accuracy of the of the account.As of this date I have not received one document. On XX/XX/XXXX I received a third Chexsystems report after continuing tobe denied for a bank account, except this time denied at a local credit union. This institution continues to report account abuse despite the fact that it is false and is a clear violation ofthe FRCA which requires them to accurately reportinformation, and correct and remove any inaccurate information. The FRCA also requires this institution to verify, with proper documentation, within 30 days. Thereafter should this institution be fail to do same, the inaccurate and negative information must be removed. It is now almost 2 years sincethe date that this was first reported and this institution has notprovided one single document to prove or verify the accuracy of this account. The negative reporting information hasinhibited me from getting a bank account and I am facingsevere financial hardship that is affecting my ability to afford my rent. I did not perform any fraudulent activityrather this institution allowed another individual to open an account withmy information and now is holding me accountable for others wrongdoing. I dont know what else to do to get this false and inaccurate information removed from my report. I have beendisputing this for almost two years. I am desperately seekingyour help as I have exhausted all of my options.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-02

E Rutherford, NJ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: On or around XX/XX/XXXX I learned that negative report information had been submitted by XXXX XXXX XXXX. Upon receipt of my Chexsystems report in XX/XX/XXXX, I immediately disputed same on the basis that I did not engage in suspected fraudulent activity. I advised that the information was false and that I had no knowledge of any suspected fraud activity, on my part. I requested the negative information be verified, and upon the assumption it could not be, subsequently removed from Chexsystems. I have never owed money to XXXX XXXX XXXX that would have resulted from mishandling of my account. On or around the day the account was closed, I still had funds in the XXXX XXXX XXXX checking account, which I believe have been returned to me although I can not remember for certain. Despite all of my attempts to contact XXXX XXXX XXXX and have this information removed, I have been unsuccessful. To date, I still have not received any information from the bank verifying the accuracy of this activity and I continue to maintain that any suspected fraudulent activity was not done on my part and I have never knowingly and/or intentionally mishandled an account with this or any other institution. On XX/XX/XXXX, after being denied for another bank account, I received a ChexSystems report indicating that this institution continued to report negative information. I again disputed the information on the basis of its inaccuracy. I again requested any documentation that the bank believed would verify the accuracy of their negative reporting. As of this date I have not received one document. On XX/XX/XXXX I received a third Chexsystems report after continuing to be denied for a bank account, except this time denied at a local credit union. This institution continues to report suspected fraudulent activity despite the fact that it is false and is a clear violation of the FRCA which requires them to accurately report information, and correct and remove any immaculate information. The report itself implies that it has not been verified by indicating that any such fraudulent activity, albeit denied, is merely suspected The FRCA requires this institution to verify, with proper documentation, this informations accuracy within 30 days. Thereafter should this institution be fail to do same, the inaccurate and negative information must be removed. It is now almost 2 years since the date that this was first reported and this institution has not provided one single document to prove or verify the accuracy of this account. The negative reporting information has inhibited me from getting a bank account and I am facing severe financial hardship that is affecting my ability to afford my rent. I did not perform any fraudulent activityrather this institution allowed another individual to open an account with my information and now is holding me accountable for others wrongdoing. I dont know what else to do to get this false and inaccurate information removed from my report. I have been disputing this for almost two years. I am desperately seeking your help as I have exhausted all of my options.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-01

Baltimore, MD

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-01

Homestead, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-01

Nyc, NY

Opening an account

Checking or savings account: Checking account

Unable to open an account
Complaint: Good morning. Ive been on Chex systems for a couple years now. Ive been trying to open a checking account but when I apply to serval branches they decline due to Chex systems. I had a fraud activity when I was younger with XXXX XXXXXXXX XXXX. They stold my card and I spoke to the banker and they close my account. Later on I have to pay a return fee balance which I did. It happen on XX/XX/14. They are not helping me remove something that didnt cause by me Chex systems when I call are very rude and not helping. I need to know if Im able to open a account now its been years and I have a right to do that because I never had this problem in my life. This is ridiculous and Im highly upset and if I have to sue the company of not understanding my issue or accusing me this was my fault I will do so. I need some one higher of a company to help me with my issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-01

Byron, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Information belongs to someone else
Complaint: This is my second complaint to chexsystems. Chexsystems removed the XXXX XXXX account that didnt belong to me but then added three additional accounts to my file that doesnt belong to me. 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX The accounts listed doesnt match my social security or drivers license. I called to inform them and the refused to listen and spoke to me very rudely and condescending.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-04-30

Gaithersburg, MD

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response