Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I am submitting this feedback in response to ChexSystems explanation dated XX/XX/year>. While I acknowledge that ChexSystems reviewed the complaint and contacted the furnisher, the response does not resolve the fundamental issue raised in my complaint : I do not own, did not open, and did not authorize the account being reported, and I filed an FTC Identity Theft Report because the information is fraudulent. 

ChexSystems response relies heavily on general descriptions of its role as a nationwide specialty consumer reporting agency and on statements that the furnisher has verified the information. However, the response does not include any original documentation or independent evidence proving that I personally opened or authorized the account. As a result, the information remains unverified from my perspective, and the explanation provided does not satisfy the requirements of a meaningful reinvestigation under the Fair Credit Reporting Act ( FCRA ), especially in the context of identity theft. 
1. I Do Not Own the Account and Did Not Authorize It The account or activity reported by ChexSystems does not belong to me. I did not open the account, did not authorize anyone else to open it on my behalf, and did not engage in any transactions associated with it. I have no relationship with the account being reported and no documentation tying me to it.

I did not receive : Account-opening confirmations Statements or notices Overdraft or closure notifications Correspondence from the financial institution Any communication indicating an account existed in my name My first awareness of this issue came only after reviewing my consumer report. The lack of communication prior to discovery strongly supports that this account was not legitimately opened by me.

2. I Filed an FTC Identity Theft Report Because the account is not mine, I filed an official FTC Identity Theft Report documenting that the account is fraudulent. This report is a legally recognized statement asserting that my identity was used without authorization.

When an FTC Identity Theft Report is filed, the FCRA requires heightened scrutiny. Identity-theft disputes can not be handled in the same manner as ordinary disputes. The reporting agency must ensure that the information is verified with actual documentation and must not continue to report infor
mation that can not be substantiated.

ChexSystems response acknowledges that a consumer may provide an identity theft report but does not explain how my FTC report was evaluated, incorporated, or applied in the reinvestigation. The response instead focuses on general policy language, which does not address the substance of my identity theft claim. 

XXXX. ChexSystems Did Not Provide Documentation Proving Ownership ChexSystems states that the furnisher verified the information as accurate and complete. However, no documentation was provided to me demonstrating how that conclusion was reached. Specifically, ChexSystems did not provide : An account application or agreement Proof of identity verification used at account opening Copies of identification allegedly presented Digital authentication records IP address or device information Branch or in-person records Fraud review notes or red-flag analysis Without these materials, there is no evidence showing that I opened or authorized the account. A statement that a furnisher has verified information, without supporting documentation, is insufficient in

an identity-theft dispute. 4. Reliance on Policy Language Does Not Resolve the Dispute Much of ChexSystems response explains its role under the FCRA, its retention practices, and the fact that it relies on information furnished by financial institutions. While I understand ChexSystems general function, this explanation does not res
olve my complaint.

The issue is not whether ChexSystems is permitted to retain information under certain circumstances. The issue is whether the information being retained is accurate, verifiable, and actually belongs to me. The response does not answer that question with evidence.

5. Verification Must Be Evidence-Based, Not Conclusory In cases of identity theft, verification must be based on evidence. This includes original documents and records showing that the consumer opened the account. Internal notes, system summaries, or conclusory statements from a furnisher do not establish ownership.

A meaningful reinvestigation requires : Reviewing original account-opening documents Comparing identity information to the consumers known identity Evaluating fraud indicators Determining whether the account could have been opened fraudulently ChexSystems response does not indicate that such steps were taken, nor does it provide the results of any such analysis.

6. The FCRA Requires Removal of Unverifiable Information The FCRA requires consumer reporting agencies to ensure maximum possible accuracy. When information is disputed as identity theft and can not be verified with documentation, it must not continue to be reported. 

At this time, the account remains unverifiable to me because : I do not recognize it I did not open it I filed an FTC Identity Theft Report No documentation has been produced Continuing to report unverifiable information causes ongoing harm and is inconsistent with the purpose of the FCRA.

7. Harm Caused by Continued Reporting The continued presence of inaccurate ChexSystems information has caused and continues to cause harm, including : Difficulty opening legitimate bank accounts Negative risk assessments Delays or denials of financial services Time and effort spent correcting inaccurate records Stress and uncertainty regarding my financial reputation These harms persist as long as the information remains on file.

8. What a Fair Resolution Requires A fair resolution requires ChexSystems to take one of the following actions : Option 1 : Provide Documentation ChexSystems should provide original, independent documentation proving that I personally opened and authorized the account, including : The account application Identity verification records Authentication or device data Fraud review results Option 2 : Remove the Account If such documentation can not be produced, the account should be removed from my ChexSystems consumer file as unverifiable and fraudulent.

9. Clarification Regarding Furnisher Communication ChexSystems suggests that I may contact the furnisher directly. While I understand that option, my dispute is with ChexSystems reporting of the information. As a consumer reporting agency, ChexSystems has an independent obligation t
o ensure accuracy and can not defer that responsibility entirely to the furnisher.

10. No Waiver of Rights My submission of this feedback does not waive any rights under the FCRA, including the right to : Request the method of verification Dispute future inaccuracies Seek correction or deletion of unverifiable information Receive notification of any reinsertion 11. Summary To summarize : I do not own the account I did not authorize it I filed an FTC Identity Theft Report ChexSystems did not provide proof of ownership Policy explanations do not substitute for evidence The information remains unverified Continued reporting causes harm 12. Final Request I respectfully request that the CFPB r
equire ChexSystems to either : Provide verifiable documentation proving that I opened and authorized the account, or Remove the account from my ChexSystems consumer file in accordance with the FCRAs identity-theft and accuracy provisions.

Until such documentation is produced, the account should not continue to be reported.

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