Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
XX/XX/XXXX ChexSystems , Inc.

Re : Fraudulent Bank Accounts Request for Immediate Removal I am writing to dispute fraudulent accounts that have been reported under my name, Social Security number, and personal identifiers. These accounts were not opened, authorized, or used by me in any way. 

The institutions involved include : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Personal Statement My identity was stolen. My government ID, Social Security number, and address were exposed in major data breaches and misused by others. Scans and photos of my drivers license were also stolen when provided to third parties. Criminals have used these materials to impersonate me and open accounts that look legitimate on paper but were never authorized by me. 

The fact that my current ID matches stolen copies can not be used as proof that I opened these accounts it is evidence of identity theft. I never applied for or used accounts with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, or any other institutions in question. 

For privacy and safety reasons, I am not including my home address in this dispute. My address has already been exposed and abused in past breaches, and I do not want it circulated further. I am requesting that all communication, updates, and investigation results be provided to me only by email at XXXX. I am providing other forms of verification ( redacted ID, FTC Identity Theft Report ) that are sufficient under the Fair Credit Reporting Act. 



Legal Basis 1. FCRA Obligations ( 15 U.S.C. 1681i ) : You are required to conduct a reasonable reinvestigation. Unless you can provide admissible proof such as a signed application, IP logs, or in-branch video these accounts must be deleted immediately. System notes or simple data matches do not constitute proof.

2. Data Breaches/ Identity Theft : My information was exposed in nationwide breaches ( XXXX  XXXX, XXXX XXXX, XXXX XXXX, among others ). Fraudulent use of my ID, SSN, and address stems directly from these compromises.

3. Timeliness : I am requesting confirmation of deletion within XXXX calendar days. If not resolved, I will escalate to the Consumer Financial Protection Bureau ( CFPB ), Office of the Comptroller of the Currency ( OCC ), and my State Attorney General.

Requested Action Permanently delete all fraudulent accounts tied to my name, SSN, and identifiers.

Provide written confirmation by email or through the CFPB portal only. 
Ensure these accounts are not re-reported in the future. 




Enclosures Redacted copy of government ID FTC Identity Theft Report ( Report # XXXX ) For security and privacy reasons, certain parts of my ID ( photo, license number, signature, barcodes ) have been redacted. My full name, date of birth, and other required identifiers are clearly visible, which is sufficient under the Fair Credit Reporting Act to verify my identity. 


Sincerely, XXXX XXXX XXXX XXXX

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