Consumer complaint received 2024-11-19 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: NJ

Complaint narrative:
Subject : Discrepancies in ChexSystems Report Preventing Account Opening Dear Sir/Madam, I am writing to file a formal complaint regarding incorrect information reported about me by ChexSystems, which is preventing me from opening a bank account. I have reviewed the information provided to banks through ChexSystems, and I found that the personal detailssuch as my name, address, and phone numberare inaccurate. I have no knowledge of these discrepancies and have not authorized them to be reported. 

This situation is significantly impacting my ability to access basic financial services, and it is causing me considerable hardship. I need a bank account to manage my finances, receive payments, and perform essential transactions. However, the incorrect reporting in ChexSystems is making it impossible for me to open an account, despite my efforts with several financial institutions. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and intervene with ChexSystems to correct these inaccuracies. I believe this issue falls under the following regulations : 1. **Fair Credit Reporting Act ( FCRA ) ** Under the FCRA ( 15 U.S.C . 1681 et seq. ), consumers have the right to dispute any incorrect or incomplete information on their credit or consumer reports. In this case, the erroneous data reported by ChexSystems is inaccurate and needs to be rectified immediately. 

2. **Consumer Reporting Agencies ' Duty to Correct and Update Information** ( 15 U.S.C. 1681i ) The FCRA requires that consumer reporting agencies, including ChexSystems, investigate disputes and correct any inaccuracies in a timely manner. I have not received any communication or explanation as to how these errors were made, nor have I been informed of any previous attempts to resolve this issue. 

3. **Right to Privacy and Accuracy in Consumer Reporting** I assert my right under the FCRA to have accurate personal information maintained in consumer reporting agencies, including ChexSystems. The incorrect details on my report are impeding my ability to access services that are essential to my well-being. 

I request that ChexSystems immediately correct the false information on my report and provide written confirmation that the inaccuracies have been removed. Furthermore, I would appreciate it if you could ensure that no financial institution is allowed to deny me an account based on this erroneous data, as doing so is unlawful under the FCRA. 

I am attaching copies of any relevant documentation I have, including my ChexSystems report, to assist with the investigation. 

Please inform me of any further actions I need to take on my end and keep me updated on the progress of this investigation. I am confident that with your assistance, this matter can be resolved swiftly and fairly. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

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