Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
I am filing this formal complaint against ChexSystems , Inc. regarding the presence of negative, inaccurate, and unauthorized information in my consumer file under Consumer ID XXXX. I am requesting the immediate deletion of all disputed information, which includes a duplicated address and multiple unauthorized hard inquiries. These entries are damaging my financial credibility and were not the result of any action taken or authorized by me. 

Duplicate Address ( Must Be Deleted ) My report reflects two versions of the same address : XXXX XXXX XXXX XXXX, XXXX, MO XXXX ( Correct ) XXXX XXXX XXXX XXXX, XXXX, MO XXXX ( Duplicate/Incorrect ) I have only ever resided at one addressXXXX XXXX XXXX XXXX. The alternate version with XXXX spelled out is a redundant formatting variation that falsely suggests I have lived at two separate addresses. This must be removed to ensure that my file accurately reflects my residence history. 

Unauthorized and Fraudulent Inquiries In addition, my ChexSystems file contains several hard inquiries that were never authorized by me. I have no existing or past relationship with the companies that requested these inquiries and never applied for their products or services. These inquiries are causing reputational harm and limiting my ability to open new accounts or conduct financial business. 

I am requesting the immediate deletion of the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, A Part of XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX On Behalf Of : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, IL XXXX Inquiry Date : XX/XX/XXXX I never applied for any credit, loan, or service from this lender. This inquiry is entirely unauthorized and potentially fraudulent. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquirer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX NC XXXX Inquiry Dates ( all unauthorized ) : XX/XX/XXXX ( Listed Twice Duplicate Entry ) XX/XX/XXXX XX/XX/XXXX I have never requested an insurance quote or service from XXXX XXXX XXXX XXXX and I did not authorize XXXX  or any third party to conduct these inquiries on my behalf. These are clear violations of my consumer rights. 

Harm Caused The presence of these unauthorized inquiries and inaccurate address formatting misrepresents my identity and credit activity to institutions that rely on ChexSystems to assess consumer risk. This has resulted in denials of banking services, damage to my consumer credibility, and unnecessary stress caused by information I never provided or approved. 

I submitted a formal dispute directly to ChexSystems demanding deletion of this data. However, due to the seriousness of these issues and the potential for identity misuse, I am now escalating this matter to the Consumer Financial Protection Bureau ( CFPB ). 

Action Requested from the CFPB I respectfully request that the CFPB conduct a full investigation and compel ChexSystems to : Delete all unauthorized hard inquiries listed above. 
Remove the duplicate address format from my file. 
Ensure my consumer file reflects only accurate, verified, and authorized information moving forward. 
If ChexSystems fails to comply within the legally required time, I expect this complaint to be further escalated to appropriate federal regulatory enforcement.

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