Consumer complaint received 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
I am a victim of identity theft and was directly impacted by the XXXX XXXX XXXX Settlement, in which my personal information including my full name, address, Social Security number, date of birth, and other sensitive identifying data was exposed without my consent. As a result of this breach, I believe my personal information has been used by unauthorized parties to open fraudulent accounts and establish fraudulent addresses in my name. I have filed an active FTC Identity Theft Report documenting this fraudulent activity, and I have also filed a police report in connection with the identity theft, both of which have been included in my dispute letters submitted to XXXX, XXXX, and XXXX as part of my ongoing disputes with all three major credit bureaus. Upon obtaining my ChexSystems consumer report, I discovered that ChexSystems is currently reporting a XXXXXXXX XXXX XXXXXXXX account ( Account Number XXXX, Creditor Address : XXXX XXXX XXXX, XXXX, OH XXXX ) that does not appear on my XXXX, XXXX, or XXXX credit reports in any form. The fact that this account is absent from all three major credit bureaus but is appearing on ChexSystems is a clear indicator that this account is fraudulent and does not belong to me. This account was opened and associated with a fraudulent address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX which I have never resided at and have no connection to whatsoever. The account reflects a reported closure date of XX/XX/XXXX, and a charge-off amount of {$1800.00}. Furthermore, this account is not linked to my phone number, is not connected to my drivers license, does not display a valid open date, and contains none of my verified personal identifying information. Every element of this account points to fraudulent origination through identity theft. In addition to the fraudulent account, ChexSystems is also reporting the following addresses in association with my consumer file, neither of which belong to me or have ever been my residence : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only correct, verified, and current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have prepared a formal dispute letter to ChexSystems , Inc., Attn : Consumer Relations, XXXX XXXX XXXX XXXX, MN XXXX, and I am in the process of sending it off. I am also reaching out to the Consumer Financial Protection Bureau directly to file this formal complaint, as I want to ensure there is a clear and documented record of these fraudulent items being reported. Enclosed with my dispute letter are copies of my government-issued drivers license, my Social Security card , and a utility bill confirming my current address. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have clearly established consumer rights that are being violated by the continued reporting of this inaccurate and fraudulent information : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are legally required to follow reasonable procedures to ensure the maximum possible accuracy of all information they report. Reporting a fraudulent account and addresses that can not be verified as belonging to me is a direct violation of this provision. Under 15 U.S.C. 1681i, upon receipt of a dispute, ChexSystems is required to conduct a reasonable reinvestigation within 30 days and must delete or correct any information that can not be verified. Unverifiable information must not remain on my consumer file. Under 15 U.S.C. 1681c-2, when a consumer has reported identity theft, a consumer reporting agency is required to block the reporting of any information in the consumers file that the consumer identifies as having resulted from identity theft. I am formally invoking this right. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information such as XXXX XXXX are required to investigate disputes and correct or delete inaccurate, incomplete, or unverifiable information upon notification of a dispute.

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