Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
I am filing this complaint against ChexSystems , Inc. ( a consumer reporting agency ) and XXXX ( the furnisher ) for failing to properly investigate and remove inaccurate/fraudulent information from my consumer report, in violation of the Fair Credit Reporting Act ( FCRA ). This has prevented me from opening new bank accounts and caused significant harm. 
On [ date you received the report, e.g., XX/XX/XXXX ], I obtained my ChexSystems report, which contains the following inaccurate/fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This entry is inaccurate/fraudulent because [ insert your reason, e.g., " I am a victim of identity theft and did not authorize this account or any abuse. It resulted from unauthorized activitysee attached FTC Identity Theft Report and police report. '' Or " The amount was paid in full on [ date ] see attached payment proof. " ]. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is unauthorized because I did not initiate it, potentially indicating identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is unauthorized because I did not initiate it, potentially indicating identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry is unauthorized because I did not initiate it, potentially indicating identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is inaccurate and linked to the disputed XXXX account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is unauthorized, potentially due to fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry is unauthorized, potentially due to fraud. 

These items violate the FCRA, including 15 U.S.C. 1681e ( b ) ( reasonable procedures for accuracy ), 15 U.S.C. 1681i ( prompt investigation and deletion of unverifiable info ), 15 U.S.C. 1681s-2 ( furnisher responsibilities ), and 15 U.S.C. 1681c ( limits on reporting ). Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), fraudulent items from identity theft must be blocked with proof ( attached ). 
I disputed these directly with ChexSystems and the furnishers/inquirers on [ date you sent letters, e.g., XX/XX/XXXX ] via certified mail ( attached copies and receipts ). They failed to investigate reasonably or remove the errors within 30 days, as required. 
Consumer reporting agencies like ChexSystems are under heightened scrutiny from the Consumer Financial Protection Bureau ( CFPB ) for failing to conduct proper investigations of consumer disputes and remove errors, as evidenced by recent enforcement actions and warnings against the industry ( e.g., CFPB 's XXXX Circular on reasonable investigations, its XXXX guidance on shoddy practices by XXXX, and orders against XXXX like XXXX for improper dispute handling under the FCRA ). I have notified the furnishers/inquirers of these disputes and expect ChexSystems to fulfill its legal duties without delay. Failure to comply may result in further action, including filing a formal complaint with the CFPB and pursuing remedies for willful noncompliance under the FCRA, which could include statutory damages.

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