Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
Dear ChexSystems XXXX Department, Your letter dated states my dispute is " frivolous or irrelevant '' but provides * * no specific reasons * * and * * no identification of missing information * * as required by * * FCRA 611 ( a ) ( 6 ) ( B ) * *. 
FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) CRA must follow reasonable procedures to assure maximum possible accuracy. 
Accepting XXXX 's false report without verification = no reasonable procedures. 
Actual + punitive damages. 
Willful Non-Compliance FCRA 616 & 617 ( civil liability ) Willful violation = statutory damages ( {$100.00} {$1000.00} ) + punitive + attorney fees. 
Dismissing valid dispute as frivolous despite proof = willful. 
$ XXXX per violation + attorney fees paid by ChexSystems XXXX 
FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) CRA must follow reasonable procedures to assure maximum possible accuracy. 
Accepting XXXX 's false report without verification = no reasonable procedures. 
Actual + punitive damages. 
Willful Non-Compliance FCRA 616 & 617 ( civil liability ) Willful violation = statutory damages ( {$100.00} {$1000.00} ) + punitive + attorney fees. 
Dismissing valid dispute as frivolous despite proof = willful. 
$ XXXX per violation + attorney fees paid by ChexSystems XXXX 
FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) CRA must follow reasonable procedures to assure maximum possible accuracy. 
Accepting XXXX 's false report without verification = no reasonable procedures. 
Actual + punitive damages. 
Willful Non-Compliance FCRA 616 & 617 ( civil liability ) Willful violation = statutory damages ( {$100.00} {$1000.00} ) + punitive + attorney fees. 
Dismissing valid dispute as frivolous despite proof = willful. 
$ XXXX per violation + attorney fees paid by ChexSystems XXXX 

Original letter Dear ChexSystems XXXX Department, I am writing to formally dispute inaccurate information on my ChexSystems consumer report. 
My report shows a reported account from XXXX XXXX XXXX. ( account # XXXX ) with a negative status or unpaid balance. 
This reporting is * * inaccurate * * because : XXXX. The account was * * closed in person * * on XX/XX/2025 at a XXXX branch in XXXX, IL. 
XXXX. I paid the {$50.00} early closure fee in cash. 
XXXX. I received the remaining balance ( {$7400.00} ) in cash the same day. 
XXXX. This cash payout constitutes * * final settlement * * * * no debt exists * *. 
XXXX. Any negative balance claimed by BMO is * * manufactured * * by illegal post-closure postings ( credits/debits ) after closure. 
* * XXXX XXXX XXXX. HAS VIOLATED THE FOLLOWING LAWS BY FURNISHING THIS INACCURATE INFORMATION : * * XXXX. * * Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) * * ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) : Furnishers must report * * accurate * * information to consumer reporting agencies. 
XXXX reported a debt on a closed account with final cash payout the " debt '' is manufactured and does not exist. 
XXXX. * * FCRA 1681s-2 ( a ) ( 2 ) * * : Furnishers must correct and update inaccurate information. 
XXXX has failed to correct the false reporting despite my disputes. 
XXXX. * * Regulation E 1005.11 ( c ) ( 1 ) * * ( 12 CFR 1005.11 ( c ) ( 1 ) ) : " A financial institution shall not assess fees or make adjustments to a closed account after the date of closure, except to correct an error discovered before closure. '' XXXX posted items after closure to create the negative balance reported to ChexSystems. 
XXXX. * * Regulation E 1005.11 ( c ) ( 2 ) * * : No credits or debits to closed accounts after closure. 
XXXX illegally credited {$2000.00} dispute resolution and {$65.00} refunds to the closed account. 
XXXX. * * Uniform Commercial Code 3-418 ( a ) * * : " Payment ... in cash... is final in favor of a person who took it in good faith. '' BMO can not reverse the in-person cash payout to create debt for reporting. 
XXXX. * * Uniform Commercial Code 4-215 ( a ) * * : Cash payout at the branch is * * immediate final settlement * *. 
XXXX. * * Uniform Commercial Code 4-401 * * : Bank can only charge * * open * * accounts for properly payable items. 
Post-closure charges are void. 
XXXX. * * Consumer Financial Protection Act ( CFPA ) UDAAP ( 12 U.S.C. 5536 ) * * : Unfair/deceptive practice by manufacturing debt on a closed account and reporting it ( CFPB XXXX XXXX : Reopening Deposit Accounts ). 
* * REQUESTED ACTION UNDER FCRA 611 : * * - * * Delete * * the entire XXXX XXXX XXXX. reporting entry. 
- Provide me with an updated consumer report showing * * no reported accounts * *. 
- Notify XXXX XXXX XXXX. of the deletion.

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