Consumer complaint received 2024-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Fidelity National Information Services, Inc. (FNIS)
State: KY

Complaint narrative:
Name : XXXX XXXX XXXX ID XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ChexSystems XXXX XXXX XXXX 
Attn XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX ChexSystems XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Investigation and Removal of Fraudulent Information Dear Sir/Madam, I am writing to formally request an investigation into and removal of fraudulent information appearing on my ChexSystems XXXX report. This request is made in accordance with the Fair Credit Reporting Act ( FCRA ). 
The following accounts listed on my report are fraudulent. I have never opened or used these accounts, and the information listed violates my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX XXXX  XXXX Account XXXX XXXX Routing # XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Unknown XXXX XXXX XXXX  Address : XXXX XXXX XXXX Reported For : Overdrafts Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX SSN/ID XXXX XXXX Date of Closure : XX/XX/XXXX XXXX # : XXXX / XXXX Original Charge Off Amount : {$120.00} Closure Status : Unpaid XXXX XXXX XXXX Date of closure : XX/XX/XXXX XXXX # : XXXX / XXXX Original Charge Off Accounts XXXX {$970.00} Remove all fraudulent inquiries listed below : XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX & XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, KY XXXX Phone Number : Telephone Number Not Available Inquiry Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX Phone Number : Telephone Number Not Available On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX Number XXXX XXXX Number Not Available Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX, XXXX, IA XXXX XXXX Number XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX KY XXXX XXXX Number : XXXX XXXX Date XXXX XX/XX/XXXX XXXX. XXXX : XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, KY XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX Number : XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX ; XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX Number XXXX Telephone XXXX Not Available Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone XXXX : XXXX XXXX Behalf Of : XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX NC XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX Number : XXXX On Behalf Of : XXXX BANK ; XXXX XXXX XXXX, XXXX, MI XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I want to clarify that I have only XXXX XXXX XXXX XXXX, which is included in this request. For verification, I am providing a copy of my tax return to confirm my XXXX XXXX  XXXX. Additionally, I am a victim of identity theft. Enclosed are a Federal Trade Commission ( FTC ) report and a police report related to this matter. 
It appears that my identity has been used fraudulently with different XXXX XXXX XXXXXXXX. As such, I request that all the fraudulent information mentioned above be removed from my ChexSystems report immediately. I have attached a copy of the report for your reference. 
Thank you for your prompt attention to this matter. Please confirm receipt of this letter and inform me of the outcome of your investigation. 
Sincerely, 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