Consumer complaint received 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Fidelity National Information Services, Inc. (FNIS)
State: DE

Complaint narrative:
On XX/XX/year>, an unauthorized account was fraudulently opened in my name with XXXXXXXX XXXX for {$460.00} without my knowledge or consent. This fraudulent account resulted from identity theft, and I did not open, approve, or benefit from it in any way. 

Upon discovering the fraudulent account, I immediately took action by filing an Identity Theft Report with the Federal Trade Commission ( FTC ) and submitted a dispute to ChexSystems. I provided all required supporting documentation, including : A copy of my government-issued ID, A copy of my Social Security card, Proof of address, and The FTC Identity Theft Report.

ChexSystems Violation of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681c-2 ( a ), ChexSystems is legally required to block fraudulent information from my file within four business days upon receiving an identity theft report. The FTC Identity Theft Report is a legally sufficient document under 15 U.S.C. 1681a ( q ) ( 4 ), without requiring a police officers signature or an additional police report. 

Despite complying with all legal requirements, ChexSystems refused to block the fraudulent account and instead imposed an unlawful requirement that I provide a police officers signature or an additional police reporta requirement not supported by federal law. 

ChexSystems Contradictory and Inconsistent Actions : 1. ChexSystems previously accepted the same FTC Identity Theft Report to remove a fraudulent XXXX XXXX XXXX XXXX ( XXXX ) account from my fileproving their inconsistent and arbitrary enforcement of their own policies. 
XXXX. ChexSystems conducted a reinvestigation and claimed that XXXXXXXX XXXX XXXXerified the account as accurate without providing any actual evidence that I opened or authorized it. 
XXXX. I specifically requested ChexSystems and XXXXXXXX XXXX  to provide a copy of the original account application with my signature, IP address logs, call recordings, or any verification method proving I opened the accountnone of which have been provided. 

ChexSystems Legal Violations : By failing to block this fraudulent information, ChexSystems is in direct violation of : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block fraudulent information as required by law.

FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation.

FCRA 616 & 617 ( 15 U.S.C. 1681n & 1681o ) Willful and negligent noncompliance with federal law. 

ChexSystems Unlawful Requirement for a Police Report : ChexSystems claims that they require a police report or a law enforcement officers signature on an FTC Identity Theft Report. However, they have not cited any specific provision of the Fair Credit Reporting Act that mandates this requirementbecause no such provision exists. Their demand for additional documentation contradicts federal law and is an unlawful barrier to consumer protection. 

Requested Resolution : I request that ChexSystems immediately and permanently remove the fraudulent XXXXXXXX XXXX  account from my consumer file in accordance with FCRA 605B. If ChexSystems continues to refuse compliance, I demand that they provide documented proof that I personally opened and authorized this account. 

Failure to comply will leave me no choice but to : 1. Escalate this matter to the Federal Trade Commission ( FTC ) for ChexSystems willful noncompliance.

2. Seek legal action under the FCRA for damages due to ChexSystems violations.

3. Report ChexSystems unfair consumer practices to my states Attorney General. 

This fraudulent account has already caused harm to my financial reputation, and further delays are unacceptable. I expect a resolution from ChexSystems in compliance with federal law.

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