Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Fidelity National Information Services, Inc. (FNIS)
State: DE

Complaint narrative:
On XX/XX/year>, an unauthorized account was fraudulently opened in my name with XXXXXXXX XXXX for {$460.00} without my knowledge or consent. This fraudulent account was the result of identity theft and was not initiated, approved, or benefited from by me in any way. 

Upon discovering the unauthorized account, I immediately took action to dispute the fraudulent entry by filing an Identity Theft Report with the Federal Trade Commission ( FTC ) and submitting it to ChexSystems along with the following supporting documentation : A copy of my government-issued ID A copy of my Social Security card Proof of address Other necessary materials substantiating my identity theft claim Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), ChexSystems is legally required to block fraudulent information from my file within four business days upon receiving sufficient documentation, including an identity theft report. The FTC Identity Theft Report is explicitly recognized under 15 U.S.C. 1681a ( q ) ( 4 ) as a valid and sufficient document, without requiring a police officers signature or an additional police report. 

Company Response & Failure to Comply with Federal Law : Despite my compliance with all legal requirements, ChexSystems has failed to fulfill its obligation under the FCRA. Instead, ChexSystems arbitrarily rejected my FTC Identity Theft Report and imposed an unwarranted and unlawful requirement that I provide a police officers signature or an additional police reporta requirement not supported by federal law. This same FTC Identity Theft Report was previously used to successfully remove a fraudulent account with XXXX XXXX XXXX XXXX ( XXXX ), demonstrating ChexSystems inconsistent and unfair application of its own policies. 

Furthermore, ChexSystems conducted a reinvestigation in which XXXXXXXX XXXX falsely verified the fraudulent account as accurate without providing any evidence that I opened or authorized it. ChexSystems has yet to provide : A copy of the original account application with my signature IP address logs, call recordings, or any other verification method used during the account opening process Transaction history showing any personal benefit I received from the account Legal Violations and Consumer Harm : By failing to remove this fraudulent account and arbitrarily demanding additional documentation beyond what federal law requires, ChexSystems is in direct violation of : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failing to block fraudulent information within the legally required timeframe FCRA 611 ( 15 U.S.C. 1681i ) Failing to conduct a reasonable reinvestigation FCRA 616 ( 15 U.S.C. 1681n ) & 617 ( 15 U.S.C. 1681o ) Engaging in willful and negligent noncompliance with federal law Request for Legal Basis on Law Enforcement Signature Requirement : Your response stated that you require a law enforcement officers signature on an FTC Identity Theft Report or an additional police report before blocking fraudulent information. However, 15 U.S.C. 1681c-2 ( a ) and 15 U.S.C. 1681a ( q ) ( 4 ) clearly establish that an FTC Identity Theft Report is a valid and sufficient document for this purpose without additional requirements. 

I demand that ChexSystems provide the specific statutory provision within the Fair Credit Reporting Act ( FCRA ), ChexSystems, XXXXXXXX XXXX, or any other federal law that mandates a law enforcement officers signature on an FTC Identity Theft Report or requires an additional police report before blocking fraudulent information. 

If no such law existsand I am confident that it does notthen ChexSystems must immediately cease imposing unlawful and arbitrary requirements on consumers that directly contradict federal law. 

Requested Action I am requesting the immediate and permanent removal of the fraudulent XXXXXXXX XXXX account from my consumer file in accordance with FCRA 605B. If ChexSystems continues to refuse compliance, I demand that they provide documented proof that I personally opened and authorized this account. 

Failure to comply with this request will leave me no choice but to : 1. File a formal complaint with the Federal Trade Commission ( FTC ) for noncompliance with the Fair Credit Reporting Act. 
2. Pursue legal action under the FCRA to seek damages for ChexSystems willful and negligent noncompliance. 
3. Escalate this matter to the Office of the Attorney General for investigation into unfair consumer practices. 

This fraudulent account has already caused harm to my financial reputation, and further delays are unacceptable. I expect a written response from ChexSystems within five ( 5 ) business days, confirming the accounts removal and citing the specific federal law that allegedly justifies your refusal to comply with FCRA 605B.

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