Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
To Whom It May Concern, This letter serves as a formal identity theft declaration and reinvestigation request under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 and 1681i. Upon reviewing my ChexSystems consumer disclosure dated XX/XX/XXXX, I identified multiple entries that are inaccurate, fraudulent, or unverifiable, including XXXX XXXX  XXXX XXXX account falsely marked for suspected fraud activity and numerous unauthorized inquiries. 

I am a victim of identity theft. Certain accounts and inquiries appearing in my file were made without my consent or knowledge. I did not open, authorize, or participate in the creation of any fraudulent accounts or requests for banking services that may have resulted in these entries. 


XXXX. Disputed Negative Account Information ( Identity Theft Related ) Source : XXXX  XXXX XXXX Account/RTN XXXX XXXX XXXX / XXXX Reported for : Suspected Fraud Activity Date of Closure : XX/XX/XXXX Closure Status : No Monetary Loss I dispute this account as fraudulent. I have never received any communication from XXXX XXXX XXXX regarding fraud, nor was I ever informed that my identity was used in connection with any fraudulent account. I have no knowledge of this account and did not open or authorize it. 

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally required to block and remove all information that results from identity theft once a consumer provides notice. Please immediately contact XXXX  XXXX XXXX to verify whether any supporting documentation exists that directly links me to this alleged fraud. If none exists, this record must be deleted in its entirety from my file. 


XXXX. Disputed Unauthorized or Unverified Inquiries The following inquiries appear in my file. I did not authorize these, nor did I establish any relationship or submit any application that would justify their access to my ChexSystems record. 

Inquiries Made by XXXX  XXXX on XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Entity Contact : XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Inquiry Made by XXXX XXXXXXXX on XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX These inquiries must either be verified with original signed authorization or deleted immediately under FCRA 604 ( a ) for lack of permissible purpose. 



XXXX. Requested Action I am requesting that ChexSystems : XXXX. Block and permanently delete the XXXX  XXXX XXXX record associated with the alleged suspected fraud activity, as required by FCRA 605B ; XXXX. Investigate and verify each inquiry listed above, including written evidence of consumer authorization and permissible purpose ; XXXX. Delete any inquiry or record that can not be fully verified with documentation from the furnisher ; XXXX. Provide a corrected and updated copy of my ChexSystems report within XXXX  days of receipt of this letter ; and XXXX. Send confirmation that these changes have been made. 

Please treat this dispute as identity theftrelated and attach this letter to any correspondence sent to XXXX  XXXX XXXX or any other reporting entity. I am willing to provide a copy of my FTC Identity Theft Report or police report upon request. 

Failure to remove unverifiable or fraudulent information within the statutory time frame will constitute a violation of FCRA XXXX, subjecting ChexSystems and involved furnishers to civil liability. 

Thank you for your immediate attention to this matter. I expect a prompt written confirmation of your reinvestigation and any corrections made. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX

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