Fidelity National Information Services, Inc. (FNIS)

2016-04-10

NY

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: My purse was stolen and my credit card was charged and check book was used my account was closed with suspected fraud notation
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

2016-04-08

Detroit, MI

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-07

Primm Springs, 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: Yes Timely Response

2016-04-07

Wallington, NJ

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: I am forwarding to Chex Systems the police report. I am disputing XXXX items on my credit report with them. I have submitted a FTC affidavit and they refused to take because of no signature by an officer but I was able to get it notarized and the items I am disputing and should be removed due to Identity theft is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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

2016-04-06

North Hollywood, CA

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-06

Lewisville, TX

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: I was denied for bank account/savings account and was told to contact chex systems. Upon contacting chex systems they refused to give me any information and requested my social security number. I do not feel comfortable giving my social and want verification of whatever this maybe. I have never had a hot check in my life. Please provide information that this is me along with verification and validation of whatever this is.
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

2016-04-05

Ironbound, NJ

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

2016-04-05

Kingstree, SC

Credit monitoring or identity protection

Credit reporting:

Problem with fraud alerts
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

2016-04-05

Occoquan, VA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Identity theft. Someone opened up XXXX XXXX XXXX online XXXX using my name, social security # and fraudulent home address on XXXX/XXXX/2016. My ID XXXX notified me of issue and I called XXXX XXXX to notify on XXXX/XXXX/2016. XXXX XXXX closed account on XXXX/XXXX/2016 but has refused to send letter to me detailing fraud. Report from Chex systems lists incorrect address in XXXX Tx ( Fraud ) and incorrect consumer inquiry. Chex Systems states that they can not remove the incorrect information unless XXXX XXXX contacts them and notifies them of fraud activity and instructs them to remove. XXXX XXXX refuses to do so.
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

2016-04-04

Duncanville, TX

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

2016-04-02

Merrick, NY

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

2016-03-31

Stratford, CT

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

2016-03-30

St Joe, AR

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

2016-03-30

Wallington, NJ

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: I am forwarding to Chex Systems the police report. I am disputing three items on my credit report with them. I have submitted a FTC affidavit and they refused to take because of no signature by an officer but I was able to get it notarized and the items I am disputing and should be removed due to Identity theft is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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

2016-03-28

Patterson, MD

Incorrect information on credit report

Credit reporting:

Personal information
Complaint: ChexSystems has reported information that is inaccurate. Under personal information they display names that are inaccurate such as XXXX XXXX XXXX, and XXXX XXXX XXXX which are not associated with any business nor my social security number seen on attached document chexsystems.pdf. There is also a page that is reporting my address inaccurately including the name XXXX XXXX XXXX XXXX seen on attached document chexsystemsXXXX.pdf. XXXX XXXX XXXX , XXXX is also reporting inaccurate information for a savings account that I had transferred money in and out of. They stated it was account abuse and closed the account without any notification. They also state that the account was PAID IN FULL AND PAYMENT PLAN which I do not understand how that relates. It was a savings account without any negative balance and nothing had to be paid all which can be seen on attached document chexsystemsXXXX.pdf.
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

2016-03-25

Garden City P, NY

Account opening, closing, or management

Bank account or service: Checking account

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

2016-03-25

Jackson, MS

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I have been denied opening a bank account due to incorrect information that Certegy continues to send to Chex systems and other check writing agencies. The following banks have refused to open an account in my name. Bank of the XXXX, XXXX XXXX, XXXX XXXX due to the inaccurate information they continue to send. I have contacted them and they have refused to clean up their error. I have also not been able to cash checks at XXXX due to this error.
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

2016-03-23

Wallington, NJ

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: My concern is regarding the continous charge off accounts that continually show up on my consumer report with Chex Systems. I have forwarded a FTC Affidavit to them regarding removing the reported items. An item from XXXX XXXX XXXX XXXX and an item from XXXX XXXX XXXX XXXX. I called and spoke to a representative yesterday and they told me that they are n't going to remove the disputed ID fraud items at all. And stated that he can send me an updated report. I have furnished Chexsystems with an FTC Affidavit and the XXXX entries need to be removed within 4 business days
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

2016-03-20

Redondo Beach, CA

Incorrect information on credit report

Credit reporting:

Personal 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

2016-03-19

Ellenwood, GA

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

2016-03-19

Dearborn Heights, MI

Incorrect information on credit report

Credit reporting:

Reinserted previously deleted info
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

2016-03-18

VT

Credit reporting company's investigation

Credit reporting:

Problem with statement of dispute
Complaint: On XXXX XXXX, 2016, I attempted to resolve an issue with Certegy and their agent or subsidiary Complete Payment Recovery after a billing error at a merchant ( XXXX XXXX resulted in a returned ACH debit. Certegy steadfastly refused to document the dispute or continue the conversation unless I provided my driver 's license number, which the merchant does not have and which was not used in any way in my account relationship with the merchant. There was no question of my having established my identity to Certegy 's call center, since I had verified my name and had received their subsidiary 's notice at the address they had for me. The only reason for them to obtain my driver 's license number would be to attempt to decline checks and humiliate me in a retail store that used their service ; their flimsy " for verification '' excuse for demanding the information reeks of the same " for verification '' excuse used by fraudulent telemarketers phishing for social security and credit card account numbers. I offered during our conversation to pay Certegy the full amount of the returned ACH debit, as they had already advanced that amount to the merchant. They refused unless I paid their fee as well, and would not discuss the fact that the fee was caused by their client and not by me - unless I gave them my driver 's license number. XXXX would think that in an environment where consumers and organizations alike are vigilant about identity theft, a company like Certegy would make an attempt to resolve disputes without collecting information unrelated to the disputes themselves. In this case, however, it is clear that collecting the money is only a secondary concern for Certegy. Their primary concern seems to be creating a complete biography of this consumer so that that information can used for their profit. I have chosen to file this complaint under " credit reporting '' because it is my belief that Certegy is a consumer reporting agency as defined in FCRA. For as long as they claim they do not have to resolve our dispute, I risk having Certegy report inaccurate information to other consumer reporting agencies, which will damage my ability to obtain credit or change employers. Their behavior in this case, if they report the inaccurate information or attempt to humiliate me by declining a check in a retail store, may very well be actionable apart from the instant dispute. I have attached the mailed notice from CPR and a copy of my complaint to XXXX which includes some more details.
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

2016-03-17

Milwaukee, WI

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

2016-03-16

Lake La, 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

2016-03-15

Ashville, OH

Incorrect information on credit report

Credit reporting:

Public record
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