Consumer complaint received 2024-09-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: Fidelity National Information Services, Inc. (FNIS)
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Email Address : XXXX Phone Number : XXXX ChexSystems XXXX XXXX. 
Consumer Relations Department XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Subject : URGENT CONSUMER MATTER Request to Opt-Out of ChexSystems Dear Sir/Madam, I am writing to urgently request the removal of my information from your ChexSystems database. This request is made in accordance with privacy laws, including the Fair Credit Reporting Act ( FCRA ) and the California Consumer Privacy Act ( CCPA ), as applicable. 
Under the FCRA, I am exercising my right to request the exclusion of my personal data from ChexSystems reporting. Additionally, under the CCPA, I am requesting the deletion of my personal data as applicable. 
For your reference, my details are as follows : - Name : XXXX XXXX - XXXX ID : XXXX - Date of Birth : XX/XX/XXXX - Social Security Number : XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX Please confirm receipt of this request and provide written confirmation once my information has been removed. If any additional documentation or information is needed, please inform me at the contact information provided above. 
Thank you for your prompt attention to this urgent matter. Sincerely, XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern : Identity Theft Affidavit I, XXXX XXXX, am providing this affidavit to report that I have been a victim of identity theft. This document is intended to support my request for the removal of my information from ChexSystems, as detailed in my opt-out letter dated XX/XX/XXXX. 
Personal Information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, KY XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Phone Number : XXXX Email Address : XXXX Details of the Identity Theft : Description of Fraudulent Activity : Unauthorized transactions and/or accounts have been opened in my name. I have also discovered erroneous information on my credit reports that I believe is a result of identity theft. 
Actions Taken : I have reported the identity theft to the Federal Trade Commission ( FTC ) and/or local law enforcement and have received an Identity Theft Report or Police Report. Attached are copies of relevant documents, including the police report and FTC Identity Theft Affidavit, if applicable. 
Declaration : I affirm that I am the victim of identity theft and that the information provided in this affidavit is accurate to the best of my knowledge. I request that ChexSystems remove my personal information from its database and correct any erroneous entries resulting from the fraudulent activity. 
Please contact me at the provided phone number or email address if further information or documentation is needed. 
Thank you for your attention to this matter. 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