Consumer complaint received 2023-07-31
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As a XXXX  XXXX, I am eager to establish a savings account for my XXXX  child with a credit union. However, I have been denied this opportunity by an institution due to negative information present on my ChexSystems report. Upon reviewing the report, I have discovered an account and inquiries that were opened without my knowledge or authorization. This fraudulent information is reflecting on my report as a result of identity theft and needs to be removed immediately. The fraudulent account on my consumer report is with XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, MO XXXX. I am certain that this account is not of my doing as it contains erroneous information, such as an incorrect spelling of my middle name and an inaccurate version of my current address associated with it. Furthermore, I did not open an account with XXXX XXXX XXXX, making this activity not only fraudulent but also completely unauthorized. The discrepancy between my accurate identification documents and the reported information is evident, and it is IMPERATIVE that you conduct a thorough review to rectify this matter. 

I have also identified XXXX  unauthorized inquiries being reflected on my ChexSystems consumer report as a result of identity theft. The details of these inquiries are as follows : Inquiry : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Inquiry Date : XX/XX/XXXX Address Provided : XXXX XXXX XXXX XXXX , XXXX XXXX , MO XXXX XXXX : XXXX, Texas Address : XXXX XXXX XXXX, XXXX XXXX , TX XXXX XXXX Date : XX/XX/XXXX Address Provided : XXXX XXXX XXXX XXXX , XXXX XXXX, MO XXXX Inquiry : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Inquiry Date : XX/XX/XXXX XXXX Provided : XXXX XXXX XXXX XXXX , XXXX, MO XXXX I can assure you that I have never resided at any of the addresses provided in these inquiries. It is evident that this information is fraudulent, frivolous, and inaccurate, and I urgently request its removal from my ChexSystems report. 

In light of the above discrepancies and identity theft involved, I hereby request that you provide me with all relevant documentation related to the opening of the XXXX XXXX XXXX  account, including any signed contracts or agreements, and any information associated with the abuse of the account and my personal information. 

Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), I have attached a copy of my FTC identity theft report, my identification documents ( driver 's license, social security card ), and my most recent utility bill, which reflects my address. I kindly request that you investigate this matter promptly and thoroughly. 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism.

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