Product: Credit reporting or other personal consumer reports

I disputed a XXXX XXXX account ( ending in XXXX ) with a charge-off of {$11000.00} that is being reported on my ChexSystems file XXXX despite the fact that I do not own this debt and have no affiliation with it. I first submitted a formal dispute on XX/XX/year>, demanding verification of this account, including the original account application, proof of debt, transaction history, and any identification allegedly used to open this account. ChexSystems responded by stating that XXXX XXXX " verified '' the account but failed to provide a single piece of supporting documentation proving my responsibility for it. This is a clear violation of FCRA XXXX ( a ) ( XXXX ), which requires consumer reporting agencies to provide the consumer with all information used to verify a disputed account. 

Due to ChexSystems failure to provide verification, I submitted a follow-up dispute on XX/XX/year>, formally demanding a reasonable reinvestigation under FCRA XXXX ( a ) ( XXXX ). Instead of conducting an independent review, ChexSystems once again blindly accepted XXXX XXXX response without obtaining any evidence proving my connection to this account. Under the law, any account that can not be verified with supporting documentation must be deleted, but ChexSystems continued reporting this account without complying with this requirement. 

I took additional steps to confirm this account was being falsely reported by ChexSystems. On XX/XX/year>, I contacted XXXX XXXX  directly, and their representative informed me that ChexSystems should remove the account and that they could not provide any documentation linking me to it. I also obtained my credit reports from XXXX, XXXX, and XXXX, and this account does not appear on any of them, further proving that ChexSystems is falsely reporting unverified and inaccurate information. Despite this, ChexSystems continues to allow this false information to remain on my consumer file, causing me financial harm and violating my rights under the FCRA. 

On XX/XX/year>, I sent another final demand to ChexSystems, insisting they either provide physical documentation proving this debt belongs to me or remove it immediately. They refused. Instead, they simply reiterated that XXXX XXXX verified the account but still provided no original account agreements, no identification records, and no transaction history to support their claim. They have failed every legal requirement to verify and report information accurately, violating FCRA XXXX ( a ) ( XXXX ), which mandates that any information that can not be verified must be deleted from the consumers file. 

Due to ChexSystems negligence and willful noncompliance with federal law, I have suffered significant financial harm, including denial of banking services, reputational damage, and the need to place a security freeze on my consumer file. Their reckless failure to follow federal law has left me with no choice but to escalate this matter by filing a formal CFPB complaint and taking legal action against them. I am now suing for damages, including statutory penalties under FCRA XXXX, actual damages for financial harm, and punitive damages for willful violations. 

I demand that ChexSystems immediately remove the XXXX XXXX  account ( ending in XXXX ) from my consumer file and provide me with written confirmation of this removal. Additionally, I request full copies of all documentation they claim to have used to " verify '' this account. If this issue is not resolved promptly, I will escalate this case to the FTC, my state Attorney General, and proceed with my lawsuit to recover damages for their unlawful reporting and negligence. Their refusal to comply with federal law will not go unanswered.