Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
I am writing to file a formal complaint against ChexSystems, a nationwide consumer reporting agency regulated under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. ChexSystems is willfully or negligently violating my rights as a consumer by continuing to report XXXX fraudulent and inaccurate items in my consumer file. These inaccuracies are causing me significant harm by damaging my ability to open banking accounts and violating my right to privacy and accuracy in consumer reporting. Specifically : Company or Organization : XXXX BANK ; XXXX XXXX XXXX RIVERSIDE RI XXXX Account Number : XXXX. Company or Organization : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX MA XXXX Account Number : XXXX. XXXX. XXXX report shows an account that was paid in full, yet ChexSystems continues to report it as negative or unpaid. This information is demonstrably inaccurate and should have been updated or deleted. XXXX. The second report involves a deposit and withdrawal that I did not make. These transactions were fraudulent and were not performed by me or with my authorization. ChexSystems is reporting this information as if it were my legitimate activity, which is false and constitutes inaccurate reporting of information that does not belong to me. These reports violate the FCRA in the following ways : Section XXXX ( b ) ( XXXX XXXX. XXXX ( b ) ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. ChexSystems has failed to do so. Section XXXX ( a ) ( XXXX XXXX. XXXX ( a ) ) : Upon receiving a dispute ( or when inaccurate information is identified ), the agency must conduct a reasonable reinvestigation and must promptly delete or correct any information that is inaccurate, incomplete, or can not be verified. Inaccurate or unverifiable information must be removed, usually within 30 days. Section XXXX ( XXXX XXXX. XXXX ) : Furnishers of information ( such as banks ) and the consumer reporting agency have a duty to investigate disputes and correct or delete inaccurate information. If information can not be verified or is fraudulent, it must be deleted or blocked. The FCRA also protects consumer privacy by limiting the disclosure of consumer reports to permissible purposes only ( Section XXXX ) and requiring confidentiality and accuracy in the handling of personal financial information. By maintaining and disseminating false and fraudulent information about me, ChexSystems is violating both the accuracy and privacy protections XXXX intended under the FCRA. I respectfully request that the Federal Trade Commission : XXXX. Immediately investigate ChexSystems for violations of the FCRA. XXXX. Require ChexSystems to delete both fraudulent and inaccurate reports from my consumer file permanently. XXXX. Take any appropriate enforcement action, including civil penalties if the violations are found to be willful. XXXX. Provide me with written confirmation of the actions taken.

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