Consumer complaint received 2026-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: ID

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX XXXX is reporting a fraudulent checking account that I did not open, authorize, use, or benefit from. I recently discovered this negative account on my ChexSystems consumer report while reviewing my banking history. The fraudulent account is associated with XXXX XXXX XXXX XXXX and ends in XXXX. It is being reported with an alleged balance of {$1000.00}. I have no knowledge of this account and never authorized anyone to open a checking or savings account in my name. After discovering the account, I completed an official FTC Identity Theft Report under penalty of perjury. That report specifically identifies the XXXX XXXX XXXX XXXX account as a fraudulent checking or savings account. According to the FTC report, the fraudulent activity began in approximately XX/XX/XXXX and I discovered the issue in XX/XX/XXXX. This is not a request for a courtesy adjustment and it is not a dispute over a legitimate account balance. This account was not opened by me. I am requesting a genuine manual investigation based on the identity-theft documentation attached to this complaint. The continued reporting of this fraudulent account is damaging my financial standing and interfering with my ability to establish or maintain normal banking relationships. A negative checking-account record can create serious problems when a consumer applies for a new bank account. This has forced me to spend additional time correcting information connected to an account that I never authorized. I am requesting that XXXX XXXX XXXX XXXX review the enclosed FTC Identity Theft Report, investigate the account-opening records, and immediately notify XXXX and any other consumer reporting agency or banking-screening company that this account resulted from identity theft and must be permanently removed from my consumer file. I also request that XXXX XXXX XXXX XXXX close the fraudulent account with a zero balance, stop any collection activity, and ensure that the account is not sold, assigned, transferred, or placed with another collection agency. If XXXX XXXX XXXX XXXX believes that I am responsible for this account despite the enclosed identity-theft documentation, I request a written explanation and copies of all records relied upon during the investigation, including the original account application, signature records, identity-verification documents, account-opening method, branch or online application details, IP address records if the account was opened online, contact information used at account opening, transaction history, deposit history, withdrawal history, internal notes, and any document showing that I personally authorized this account. I am requesting a documented response based on an actual investigation. A generic statement that the account has been verified, without addressing the identity-theft evidence or providing the underlying records, will not resolve this complaint.

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