Product: Credit reporting or other personal consumer reports

This complaint is being filed both through the Consumer Financial Protection Bureau ( CFPB ) and simultaneously as a formal legal notice of violation and noncompliance to ChexSystems, Inc. 

ChexSystems is knowingly furnishing fraudulent checking account information to TransUnion despite : 1. Receiving multiple valid identity theft affidavits and federal filings 2. Misrepresenting the legal requirements of the FCRA by falsely claiming that a police report is mandatory 3. Ignoring precedents of proper CRA behavior most notably Early Warning Systems, which lawfully honored the same documentation and blocked all records 4. Violating federal law repeatedly and willfully under FCRA 605B, 611, 609 ( e ), 623 ( a ) ( 1 ), 616, and 617 Refutation of ChexSystems XX/XX/XXXX Response : ChexSystems denied my prior identity theft dispute based on a false legal assertion : that I must submit a police report to initiate an identity theft block. 

This is absolutely false. Under FCRA 603 ( q ) and 605B ( b ), the law clearly states : An identity theft report means a report that ( A ) alleges a fraud or identity theft ; ( B ) is filed by a consumer with a law enforcement agency, the FTC, or other government agency. 

The FTC identity theft reports I submitted are legally valid and meet every statutory requirement. Your refusal to act on these constitutes willful misinterpretation of federal law, exposing you to civil liability under FCRA 616. 



Evidence of Identity Theft Submitted to ChexSystems : ChexSystems has received the following : FTC Identity Theft Report # XXXX : Confirms fraudulent use of my identity involving XXXX  XXXX XXXX, XXXX XXXX, and XXXX FTC Report # XXXX : Documents fraudulent check usage over {$5700.00} across XXXX XXXX  and other financial institutions XXXX Complaint # XXXX : Filed XX/XX/XXXX documenting debit fraud, and account misuse across multiple financial institutions XXXX Complaint # XXXX : Filed XXXX XXXX updates ChexSystems as a key transmitter of the false data XXXX XXXX  XXXX XXXX Breach Notification : Confirms criminal data breach involving my name, SSN, date of birth, and account credentials XXXX XXXX XXXX Block Confirmation : Demonstrates that a peer CRA honored all identity theft documentation and removed the exact same banking data, proving ChexSystems is an outlier in violation Current Reporting ( as of XX/XX/XXXX ) : ChexSystems is furnishing the following fraudulent data to TransUnion : Two DDA account closures {$6200.00} in unpaid checking debt Ten DDA-related inquiries over a three-year period This has caused actual credit denials and reputational harm. 



Federal Violations Committed by ChexSystems : 1. FCRA 605B Failure to Block Within 4 Days : ChexSystems ignored valid reports and refused the required identity theft block. 
2. FCRA 611 No Reasonable Reinvestigation : ChexSystems conducted no reinvestigation and instead rejected my reports without merit.

3. FCRA 609 ( e ) Failure to Provide Business Records : ChexSystems denied my request to see documentation of the accounts they report.

4. FCRA 623 ( a ) ( 1 ) Knowingly Furnishing False Data : ChexSystems continues to report known fraudulent data despite being lawfully notified.

5. FCRA 616 Willful Noncompliance : ChexSystems policy of demanding police reports shows willful disregard for FCRA statutory definitions.

6. FCRA 617 Negligent Noncompliance : By failing to act, ChexSystems has caused measurable harm and lost opportunities.