Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  VA XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX  Washington , DC XXXX Fax : ( XXXX ) XXXX Email : XXXX Subject : Dispute of Fraudulent Bank Accounts on ChexSystems Report Dear CFPB, I am writing to formally dispute fraudulent bank accounts that were opened in my name and reported by ChexSystems , Inc. ( Consumer ID : XXXX ). These accounts are not mine, and I did not authorize them. I am requesting your assistance in investigating this matter and ensuring these fraudulent accounts are removed from my ChexSystems report. 
Details of Disputed Accounts : XXXX XXXX XXXXXXXX Reported For : Suspected Fraud Activity Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXXXXXX XXXX XXXX  AL XXXX SSN/ID : XXXX Date of Closure : XX/XX/XXXX RTN/Account # : XXXX / XXXX Original Charge-Off Amount : {$3400.00} Closure Status : UNPAID XXXX XXXX XXXX  Reported For : Account Abuse Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AL XXXX SSN/ID : XXXX Drivers License : XXXX, GA Date of Closure : XX/XX/XXXX RTN/Account # : XXXX / XXXX Original Charge-Off Amount : {$550.00} Closure Status : UNPAID I have never opened these accounts and believe I am a victim of identity theft. Under the following federal laws, I request that CFPB investigate these fraudulent entries and instruct ChexSystems , Inc. and the involved financial institutions to remove them immediately : Legal Protections Supporting My Dispute : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Requires consumer reporting agencies to maintain accurate information and investigate disputes. FCRA Section 611 mandates that I have the right to dispute inaccurate or fraudulent information. 
Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 Makes it a federal crime to knowingly produce or use someone elses personal identifying information without consent. 
Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681 note Provides identity theft victims the right to place fraud alerts and request credit report corrections. 
Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq. 
Protects consumers from unauthorized electronic transactions, which may apply if these accounts were used fraudulently. 
I am including copies of the following documents to support my dispute : A copy of my government-issued ID ( drivers license ) Proof of current residence ChexSystems report showing the fraudulent accounts Please confirm receipt of this dispute and inform me of any additional steps I need to take. I appreciate your prompt attention to this serious matter and request that these fraudulent accounts be permanently removed. 
Sincerely, 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