Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
ChexSystems Unlawful and Continuing Reporting of False Fraud Alerts and Address Errors Resulting in Denial of Bank Accounts What Happened : I am filing this complaint against ChexSystems , Inc., a consumer reporting agency, for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) that have resulted in multiple unlawful denials of bank account applications and ongoing reputational harm. 

Despite several prior written disputes, ChexSystems continues to report an ID theft/fraud alert and an address mismatch on my consumer file and XXXX report. I have repeatedly confirmed my correct and current address as : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. 

Nevertheless, recent denialsincluding a bank account rejection this weekexplicitly cited ChexSystems XXXX address fail and fraud alert. These statements demonstrate ChexSystems failure to maintain accurate information or conduct a lawful reinvestigation after being placed on notice. 

This constitutes clear noncompliance with the following provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) : 1681e ( b ) failure to ensure maximum possible accuracy of consumer information ; 1681i failure to reinvestigate disputed information within 30 days ; 1681s-2 ( b ) failure to correct and update inaccurate or misleading information after notice of dispute. 



Why This Is Serious : ChexSystems ongoing publication of false fraud alert and address failure flags has directly resulted in : Multiple denials of legitimate bank accounts ; Loss of access to essential financial services ; and Emotional distress, embarrassment, and reputational harm. 

Courts have repeatedly found such conduct to be actionable under the FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRA liable for failure to ensure accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Willful misclassification of consumer as high-risk supports punitive damages. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX  ) XXXX liable for continuing to report disputed data after notice. 



Requested Resolution : I demand that ChexSystems be required to : XXXX. Immediately delete all ID theft/fraud alerts and any erroneous address or identification flags from my consumer file and XXXX system ; XXXX. Correct my address to read XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX and maintain it as the sole active address ; XXXX. Provide written confirmation of these corrections ; XXXX. Cease and desist from publishing or distributing inaccurate data that falsely associates me with fraud or identity theft ; and XXXX. Confirm compliance to the CFPB and myself in writing. 

Absent immediate correction, I will pursue civil remedies under 15 U.S.C. 1681n and 1681o, including statutory, actual, and punitive damages, and attorneys fees.

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