Fidelity National Information Services, Inc. (FNIS) Credit Reporting Complaint

Fidelity National Information Services, Inc. (FNIS) Credit reporting department,

Improper use of my credit report Report improperly shared by CRC Illinois

According to - - ( per my pending complaint ) a ChexSystems score was used to close my account after it had been opened and set up ( approved by a Principal in the company ). I did not receive any notice from ChexSystems regarding a denial or was it clear to me that - - would use a third-pary reporting system without my knowledge. Additionally, the redress option that I was offered from ChexSystems was to order a report because I was denied credit. This is first time I 've even heard of this company as from my understanding the - major credit bureaus determine credit scores. However, this is not the case. The issue I have with ChexSystems is that I was not informed that I was denied an account via - - because of a ChexSystems score. The report I received ( as the letter I uploaded ) indicates I have no history of " mishandled, reported for cause, and/or outstanding debts. '' Either the information that ChexSystems provided to - - was incorrect or there 's another scoring component. Additionally, the language used on the " Inquires Initiated by Consumer Action '' states that " These inquires can be viewed for ninety days up to three years. '' What is the criteria for that? Who determines how long they will stay on the report? Does this negatively affect your score? How can you know your score when the report does n't show it? These are all questions that have not been answered by ChexSystems. It is unfortunate that such an opaque process is used deny consumers the information they need to address an issue that is so clearly important ; understanding consumer reporting agencies and having access to redress issues that are vitally important to a consumer 's financial life.