Fidelity National Information Services, Inc. (FNIS)

2017-03-22

Smyrna, SC

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: ChexSystems is NOT replying to my claims. The FCRA Section 605B does NOT allow ChexSystems the right to NOT block items on my credit report with them, because ChexSystems " thinks '' that my police report, is LIMITED to the time frames I THOUGHT the ID theft occurred. ChexSystems is NOT blocking ID theft items because they are interpreting the law in their own way. I have provided them copies of the law to show that they are totally incorrect in their interpretation. They feel they have answered my claims when in fact they are lying and avoiding my claims. Section 605b of the fcra does not allow any time frames to be interpreted into the law it only allows for them to block the items I claim as identity theft if I submit an identity theft report. Check systems must block the items within four days of receiving everything that the law requires of me which I have provided them several times. Their refusal to act according to the law is my claim here. They interpret the law differently than the law is written. That is illegal and they are breaking the law by doing this because only Congress can rewrite their laws and only the courts can interpret the laws to have them be valid period check systems does not belong to either one of those entities and so they have to follow the law and not rewrite the law period my claim is because I was a victim of identity theft since the XXXX 's, and when I filed the police report in XXXX I was not aware of the full extent of the identity theft or how long it would last. Section 605b of the fcra does not give time frames or allowances for the credit reporting agencies to interpret the law and say your identity theft claimed items do not fit into your police report. That is what they are wrong and breaking the law. This is what I want them to respond to. The fact they are not reporting XXXX or XXXX or XXXX on their systems anymore is nothing to do with them period I did all the work to get those things removed from my personal information all they had to do was follow up and see that the company did not want to report anymore. They act like they did something when all they did was harm me for over two years with XXXX and XXXX and three months with XXXX period because they reported those items against the law. Please have check systems reply to these claims and not how they 're trying to divert attention from the fact that they are breaking the law and rewriting the law and think their policies are the new law. All I have to provide them is a copy of an identity theft report and then ten years after that report I can say I 'm still a victim of identity theft and that 's identity theft and they have to block that item without question within 4 business days. The fact they 're saying it does n't fit into the police report his where they are lying and breaking the law and they can not reinterpret the law the way they are.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2017-03-21

Newport News, VA

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

Disputed: No Timely Response

2017-03-18

East Troy, WI

Incorrect information on credit report

Credit reporting:

Public record
Complaint: I am being denied a checking account because this is on my ChexSystems report. It was discharged in bankruptcy in 2015 XXXX {$380.00} Please remove this from ChexSystems immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-17

ME

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Right to dispute notice not received
Complaint: Addendum to XXXX. CPRS claims letter was mailed to address on file on XX/XX/XXXX. I did not receive mailings from this company. Also, in the reply from CPRS, there are some companies, to which I do not conduct business with, that are raising some serious concerns. I do not conduct business with XXXX. I have been with XXXX, since XXXX. Also, I do not have an account with XXXX. My vehicle is currently financed through my local credit union. I previously had an account through XXXX, to which that account was closed in XXXX. Also, I do not have dealings with XXXX XXXX. These account belong to others. Also, this is very alarming, as others may have my account information, as well as I was sent account information on others. Also, the date of XX/XX/XXXX, is from a fax server. This hereby proves no letter ( s ) was ever mailed to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-16

Laurel Hollow, NY

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-16

Houston, TX

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-15

Monrovia, CA

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-14

Gray, TN

Incorrect information on credit report

Credit reporting:

Information 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

Disputed: No Timely Response

2017-03-14

Hamburg, NY

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

Attempted to collect wrong amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-13

Milwaukee, WI

Incorrect information on credit report

Credit reporting:

Information 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

Disputed: No Timely Response

2017-03-13

WV

Credit reporting company's investigation

Credit reporting:

Investigation took too long
Complaint: On XXXX XXXX, XXXX, I applied for a bank account with XXXX XXXX Bank in order to receive discount on a new vehicle loan. The account was initially approved but then refunded due to a report from ChexSystems. I knew of no reason for the report so I contacted ChexSystems via their website XXXX XXXX, XXXX. I asked for VALIDATION of said dispute on their email system. They sent me a letter dated by them XXXX/XXXX/XXXX, however it was the XXXX that I received it. Letter stated they would investigate and return information within the required 30 days. A letter dated XXXX/XXXX/XXXX was then received by me saying they had verified the information and it would not be removed. It did not explain their procedures or validate the accuracy. I received the letter in mid XXXX. I was able to finally get a phone number ( not from their site ) and called, the person had a foreign accent and was rude. I then verbally and in writing demanded VALIDATION. I received a letter in XXXX, dated by them XXXX/XXXX/XXXX, stating again that they would investigate and get a response within the 30 days as required by law. Finally I received a letter dated by ChexSystems XXXX/XXXX/XXXX saying they now could not verify the information and it was removed. I have all these letters. Also, in my state, they withdrew their bond and their license was terminated in XXXX. The paperwork is too much to scan and send but I can provide it. They obviously stalled and obstructed the compliance procedure. Simply though, they broke the law by not providing accurate information of their verification process and doing so was not in legal time frame and they are not a legal entity in my state, with no Resident Agent ( which I asked for and never received name thereof ). It took from XXXX to mid XXXX to have it removed, clearly not within 30 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2017-03-13

Minto, ND

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: Chex Systems is reporting on my consumer report a fraudulent and unauthorized checking account from XXXX that do n't belong to me. I am victim of identity theft and someone stole and used my personal information to open up a fraudulent and unauthorized account checking account with XXXX. Attached to this complaints is a police report and letter I sent to Chex Systems.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-13

Friendswood, TX

Customer service/Customer relations

Other financial service: Check cashing

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

Disputed: No Timely Response

2017-03-13

Fleming, GA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt resulted from identity theft
Complaint: On my consumer report it says i owe XXXX money, i never opened an account with them. The information they have is n't my name its a jumbled version of it. I believe i have identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-12

Chandler, AZ

Incorrect information on credit report

Credit reporting:

Information 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

Disputed: No Timely Response

2017-03-10

Manhattan, NY

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Untimely Response

2017-03-10

Alta Hill, CA

Incorrect information on credit report

Credit reporting:

Information 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

Disputed: No Timely Response

2017-03-10

N San Juan, CA

Incorrect information on credit report

Credit reporting:

Information 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

Disputed: No Timely Response

2017-03-10

N San Juan, CA

Credit reporting company's investigation

Credit reporting:

No notice of investigation status/result
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-09

Baltimore, MD

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-09

N San Juan, CA

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: To whom this may concern, In follow up to my disputes concerning false information on my credit report, I have obtained my FTC Identity Theft report number which is : XXXX. The website is broken at the moment and will not generate a full PDF, however, Chex Systems , Inc. is legally required to investigate all disputes for fraud and the information within this PDF will assist in removing known to be false and previously disputed information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-09

Wallington, NJ

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: There is a reported XXXX account listed on my consumer credit file with Chexsystems. I have previously disputed this account but was told by Chexsystem that the police report that I had submitted was out of date did not cover this account. This account was closed in XX/XX/2016 and my police report is dated for XX/XX/2016. I 've had to go through the State of Illinois to finally get the XXXX disclose this information to me so that I can get this off of my report. This account was also listed on my credit reports with XXXX, XXXX and XXXX and they have deleted the account with the FTC Affidavit and the Police report as well as the letter from the XXXX. Chexsystems needs to delete this as the account is fraudulent and I have attached my supporting documents to prove as such
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-09

N San Juan, CA

Credit reporting company's investigation

Credit reporting:

Problem with statement of dispute
Complaint: Please see attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-09

N San Juan, CA

Incorrect information on credit report

Credit reporting:

Information 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

Disputed: No Timely Response

2017-03-09

N San Juan, CA

Incorrect information on credit report

Credit reporting:

Information 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

Disputed: No Timely Response