Consumer complaint received 2025-09-12 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: GA

Complaint narrative:
ChexSystems, Inc.Attn : Consumer RelationsXXXX XXXXXXXX XXXX, MN XXXX To Whom It May Concern, I am writing to formally dispute and request the removal of outdated and/or inaccurate information from my ChexSystems consumer report, as it is negatively affecting my ability to open a new bank account. 
As per my recent ChexSystems report, there are multiple inquiries and potentially outdated or unverifiable account records that may no longer be valid or should not be impacting my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  on behalf of XXXX XXXX ( Inquiry Date : XX/XX/XXXXXXXX  ) Some of these inquiries may be unauthorized, outdated, or not related to any recent application initiated by me. Others may be based on public record information that is either inaccurate or not properly verified. 
In accordance with the Fair Credit Reporting Act ( FCRA I respectfully request 1. A reinvestigation of the entries listed above.

2. Verification of their accuracy and permissible purpose.

3. Immediate removal of any unverifiable, outdated, or incorrect information from my ChexSystems report. 
Please complete this reinvestigation within the timeframe allowed under the FCRA and provide me with written confirmation of the outcome. If you require any additional information from me to facilitate this process, I am happy to provide it. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX Subject : Formal Dispute of Inaccurate or Unverified Information in My Consumer Report To Whom It May Concern, I am writing to formally dispute several entries on my consumer report maintained by XXXX XXXX XXXX. After reviewing the report in detail, I have identified multiple accounts and notations that are either inaccurate, unverifiable, or misrepresent the status and context of my past banking relationships. These entries are negatively impacting my ability to open bank accounts and access essential financial services. 


XXXX. XXXX XXXX Account # XXXX * Issue : This account is listed as Closed for Cause with a reported balance of - {$160.00} and return transactions due to Insufficient Funds. 
* Dispute : I am requesting full verification of the closure reason, supporting documentation for the overdraft amount, and proof that proper notifications were sent to me. Additionally, the contribution reason listed as " Account Abuse '' is vague, unsubstantiated, and defamatory without proper context. 
* Request : Please remove or correct this entry if the information can not be verified with documentation from XXXX XXXX. 

XXXX. XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX This account is listed with a principal loss of {$5200.00} and marked Unpaid with a contribution reason of Account Abuse. 
* I have no record or recollection of owing this amount, and I request validation including itemized details, date of last activity, and a copy of any signed account agreements. 
* If verification can not be provided, I request immediate removal of this entry. 

XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Two savings accounts are listed with statuses changing rapidly from New Account to Savings Closed without explanation. No negative balance or returned item is listed. 
* These accounts show {$0.00} balances throughout and appear to have been closed voluntarily or administratively. There is no indication of misuse or account abuse. Including them in the report as adverse information is misleading. 
* Please remove these entries as they do not reflect negative banking behavior and may be contributing to account denials unfairly.

XXXX. XXXX XXXX Account # XXXX This account is listed with a status of Uncollected Funds. 
* I request clarification of what Uncollected Funds means in this context and any supporting evidence of returned payments or misuse. 
* If this status is not supported by factual documentation, I request it be removed or updated to reflect accurate information. 


Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete. XXXX XXXX XXXX is required by law to investigate my dispute and either correct or delete any unverifiable, inaccurate, or outdated information within 30 days of receipt of this notice. 

I respectfully request that XXXX XXXX XXXX  : 1. Conduct a full reinvestigation of the disputed items listed above.

2. Provide me with written documentation and results of each investigation.

3. Remove or correct all entries that can not be fully verified with accurate supporting documentation.

4. Provide me with an updated copy of my consumer report reflecting the corrected or removed information. 



Thank you for your prompt attention to this matter. I expect a response within the timeframe allowed under the FCRA. 
Sincerely, XXXX 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