Consumer complaint received 2025-01-01 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:
Subject : Dispute and Demand for Investigation of Consumer Report Regarding : XXXX XXXX NOTICE OF DISPUTE I advise you to read this ENTIRE LETTER. Disregarding information in this letter means that you can be subject to a {$5000.00} XXXX and/or litigation for not reserving my rights under U.C.C. 1-308.4 ( I am reserving my rights under U.C.C. 1-308.4 not to be compelled to perform under any contract or commercial agreement that I did not enter KNOWINGLY, VOLUNTARILY, AND INTENTIALLY. I do not accept the liability of any compelled benet or lack thereof, or any unrevealed contact or commercial agreement. I have a right to sue you under the Common Law for violating my rights under the UCC. ) Claim : Illegal, Non-Consent, No Permissible Purpose and Inaccurate Reporting of Consumer Reporting Agency of ACCOUNT VERIFICATION WITHOUT PROPER DOCUMENTATION PURSUANT TO FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ; No written communication was given to consumer and no written instructions was given by the consumer to report to a third-party consumer reporting agency ; Pursuant to Title 15 U.S. Code 1681b ( a ) ( 2 ) ; Request documentation showing where I signed a contract with your company KNOWINGLY, WILLINGLY AND INTENTIONALLY pursuant U.C.C. 1-308.4 ; Request documentation where I relinquished my rights pursuant U.C.C. 1-308.4 and gave your company permission to report adverse information bearing my name. 
NOTICE : THE GOVERNING LAW OF THIS BINDING NON-NEGOTIABLE CLAIM IS PRIVATE INTERNATIONAL LAW AND IS FOR THE PURPOSES OF ESTABLISHING LAWFUL STATUS & REMEDY, AND IS NOT INTENDED TO THREATEN, HARASS, HINDER OR OBSTRUCT ANY LAWFUL OPERATIONS ; Dear ChexSystem This letter serves as a formal dispute regarding adverse information present in my consumer report with Chex Systems. I hereby demand a thorough investigation in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
Claim Overview : I dispute any negative items related to the following account Department Of Corrections Account Number : XXXX I dispute unauthorized inquires XXXX XXXX Bank Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Request for Validation and Supporting Documentation : In compliance with FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ), I request documented proof of the following : 1. Verification of Reporting : Complete details on how and from whom XXXX XXXX XXXX/Chex Systems obtained information about my character, general reputation, personal characteristics, or mode of living. 
XXXX. Consent Documentation : Evidence demonstrating my consent for the release of such information, including any signed agreements where I willingly and knowingly authorized this reporting.

3. Disclosure of Methods : An outline of the methods used to verify the accuracy of reported information as per FCRA requirements.

4. Certified Documents : Copies of any communications, contracts, or agreements that bear my verified signature and demonstrate my consent.

5. Proof of Permissible Purpose : Details of compliance with 15 U.S.C. 1681b ( a ) ( 2 ), which mandates proper consent for reports shared with third parties.

U.C.C. 1-308.4 Rights Reserved : I am preserving my rights under U.C.C. 1-308.4 not to be compelled to perform under any contract I did not enter into knowingly, voluntarily, and intentionally. I do not accept any liability for any benefits derived or presumed under such contracts.

Cease and Desist : Pursuant to 15 U.S.C. 1681b and applicable provisions under the Fair Debt Collection Practices Act, you are hereby notified to cease and desist from any reporting activities until my dispute has been resolved. Contact with me is limited to written communication sent by mail only. 
Criminal Liability and Notice : This letter serves as notice of potential violations under 18 U.S.C. 2071 ( Falsifying Records ), 18 U.S.C. 471, 472, 473 ( Forgery and Counterfeiting ), and potential RICO Act violations ( 18 U.S.C. 1961 et seq. ). Non-compliance may be considered tacit agreement to these violations and can subject your organization to legal action.

Failure to respond with complete and verified documentation within 30 days of receipt of this letter will be considered default and tacit agreement of inaccurate reporting. Your failure to comply will result in the removal of all negative information and may subject your organization to litigation and statutory damages up to {$5000.00} per violation. 
NOTICE : Any use of statutes, codes, or references herein is for your guidance only and does not imply my submission to any jurisdiction not willingly and knowingly entered.

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