Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
I am filing this complaint against ChexSystems , Inc. and XXXX XXXX XXXX XXXX  for reporting and maintaining a fraudulent Account Abuse record that is the direct result of identity theft. 

I filed FTC Identity Theft Report # XXXX on XX/XX/year>, provided valid ID and supporting documentation, and submitted disputes to both ChexSystems and XXXX XXXX  more than 90 days ago. 
Despite this, the record remains, and I continue to be denied new bank accounts because of it. No certified verification, reinvestigation report, or deletion confirmation has ever been received. 

Both entities have failed to conduct a lawful reinvestigation, failed to block the fraudulent data, and failed to code the record in accordance with Metro-2 data-integrity requirements.

Violations and Non-Compliance FCRA / FACTA 15 U.S.C. 1681c-2 ( FCRA 605B ) : failure to block identity-theft data within 4 business days.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : failure to complete reinvestigation within 30 days.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : re-reporting disputed data without certified verification or consumer notice.

15 U.S.C. 1681e ( b ) : failure to maintain maximum possible accuracy.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : furnisher knowingly or negligently reporting
inaccurate information.

15 U.S.C. 1681s-2 ( a ) ( 2 ) : failure to update and correct disputed or fraudulent data.

FDCPA / ECOA / GLBA / TILA 15 U.S.C. 1692e & 1692g : false communication of disputed debt without validation.

12 C.F.R. 1002.9 ( ECOA ) : unlawful adverse-action denials based on inaccurate consumer-report data. 
15 U.S.C. 6801 et seq. ( GLBA ) : failure to safeguard non-public personal information that enabled the fraudulent use.

15 U.S.C. 1637 ( TILA ) : misrepresentation of account status in a consumer report.

Metro-2 Data Integrity Failures ( CDIA Standards ) According to the CDIA Metro-2 Reporting Manual, both ChexSystems and U.S. Bank failed to furnish data accurately and consistently : Field 1 Account Status : The correct code for confirmed identity-theft or fraudulent accounts is DA ( Delete Account Confirmed Fraud or Identity Theft ).

U.S. Bank reported an invalid status of Account Abuse, which is not a permissible Metro-2 code. This violates FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ) and requires deletion.

Field 17 Compliance Condition Code : For disputed identity-theft accounts, the required code is XH ( Account Disputed Fraud Investigation in Progress ).

Neither party applied this code, leaving the item falsely shown as undisputedviolating FCRA 623 ( a ) ( 2 ) and 611 ( a ) ( 1 ) ( A ).

Field 20 Payment History Profile : Fraudulent or closed accounts must have this field blank.

ChexSystems continues to transmit negative history, violating FCRA 605B and Metro-2 accuracy rules.

Field 71 Consumer Information Indicator ( CII ) : Confirmed identity-theft accounts require the B indicator.

Neither entity applied it, violating Metro-2 Section 6.2.4 and FCRA 607 ( b ).

Additional Metro-2 Logic Conflicts : Closed or deleted accounts can not carry any Current Payment Rating or Payment History entries. 
Fraudulent accounts must show no balance and no delinquency codes.

Reporting Account Abuse or Charge-Off status after receiving fraud documentation violates Metro-2 logic and FACTA.

These data-logic conflicts represent a full breakdown of Metro-2 integrity and require immediate deletion under FCRA 605B, 611 ( a ) ( 5 ) ( B ), and Metro-2 Deletion Code DA .

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