Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
Subject : Unable to Obtain ChexSystems Consumer Report - XXXX Verification Failure I am a lawful U.S. resident attempting to obtain my free annual ChexSystems consumer disclosure report as required under Section 612 of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681j. 

ISSUE : ChexSystems has denied me access to my legally entitled consumer report, citing that their third-party identity verification vendor, XXXX, can not verify my identity through their automated system. 

ACTIONS TAKEN : 1. I called ChexSystems customer service at XXXX on XX/XX/XXXX XXXX. I was informed that XXXXXXXX XXXX automated verification system failed to verify my identity 3. ChexSystems refused to provide alternative manual verification methods 4. I have a valid state-issued driver 's license, Social Security Number, and lawful U.S. resident status MY SITUATION : I am an lawfully residing XXXX to the United States since XXXX with : - Valid driver 's license ( State : NJ ] ) - Valid Social Security Number - Legal immigration status - Credit score of XXXX - No negative banking history THE PROBLEM : XXXXXXXX XXXX automated system appears to discriminate against recent XXXX who have limited U.S. data history, despite having valid government-issued identification. This creates an unlawful barrier to accessing my consumer report under FCRA. 

Additionally, I have been unable to open savings bank accounts at multiple institutions ( XXXX, XXXX and XXXX to name a few ) due to identity verification failures, which I suspect is related to errors or incomplete information in my ChexSystems file. None o the above mentioned institutions also provided any solutions, I have to figure out what's going on by talking to multiple people, researching on the internet even after explicitly asking what is the issue and how can I address it.To make matters worse, I can not dispute or correct any potential errors because ChexSystems refuses to provide me with my report. 

WHAT I'M REQUESTING : 1. ChexSystems must provide me with my free annual consumer disclosure report as required by law 2. ChexSystems must offer alternative manual identity verification methods that do not solely rely on automated systems that disadvantage recent XXXX 3. Investigation into whether ChexSystems ' reliance on XXXXXXXX XXXX automated system violates FCRA requirements for providing consumer access to reports LEGAL BASIS : Under 15 U.S.C. 1681g, I have an absolute right to obtain disclosure of all information in my consumer file. ChexSystems ' refusal to provide alternative verification methods when their automated system fails appears to violate this statutory right. 

I have valid government-issued identification and am willing to provide any reasonable documentation to verify my identity through non-automated means. 

Thank you for your assistance in resolving this matter.

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