Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/year> ChexSystems XXXX XXXX. 
XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX RE : Formal Dispute and Request for Immediate Deletion of Inaccurate and Negative Information Under the FCRA To Whom It May Concern : I am writing to formally dispute and demand the immediate removal of all inaccurate, misleading, and negative information related to DDA ( Demand Deposit Accounts ) and/or overdrawn bank accounts that are currently reported on my ChexSystems consumer report.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ), ChexSystems is required to conduct a reasonable reinvestigation of any disputed information and delete inaccurate, unverifiable, or outdated entries within 30 days. However, due to the urgent and ongoing harm these entries are causing including repeated denials of banking services by multiple institutions I am formally requesting that these items be removed within 24 hours in accordance with your obligation to avoid the continued publication of inaccurate data under 15 U.S.C. 1681e ( b ).

Reasons for Dispute : The information in question is inaccurate and/or outdated.

I was not properly notified or given the opportunity to resolve the alleged overdrawn balances.

The continued reporting of this information has resulted in my inability to obtain a checking account, which constitutes undue hardship and limits my access to basic financial services a practice scrutinized by both the Consumer Financial Protection Bureau ( CFPB ) and state consumer protection agencies.

According to 15 U.S.C. 1681c ( a ), negative banking information that is more than seven years old must not be reported. If any information currently on my report exceeds that threshold, it must be deleted immediately.

Requested Action : I am demanding that ChexSystems delete all negative and inaccurate information related to : Any overdrawn or closed checking/savings accounts Any unpaid balances or charge-offs from DDA accounts Any entries currently preventing me from opening accounts at banking institutions This demand is made in good faith and in accordance with the rights afforded to me under the FCRA. If ChexSystems is unable to verify the accuracy of this data with absolute certainty, it must be removed without delay.

Please provide me with : A copy of the results of your reinvestigation.

A written confirmation that the disputed information has been deleted.

The names and contact information of the data furnishers who reported the disputed items.

Failure to comply may result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any relevant state attorney general 's office. I also reserve the right to pursue legal action for damages as permitted under 15 U.S.C. 1681n and 1681o. 

Thank you for your immediate attention to this matter. 

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