Consumer complaint received 2026-06-16 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: PA

Complaint narrative:
I am writing to formally dispute the accuracy and ownership of certain banking records appearing in my consumer file. After reviewing my report, I discovered accounts reported by XXXXXXXX XXXX XXXX XXXX XXXX that I do not recognize as accounts that I knowingly opened, authorized, or used. I believe these accounts resulted from identity theft and the unauthorized use of my personal identifying information. Accordingly, I am requesting that these records be blocked, deleted, and permanently removed pursuant to the Fair Credit Reporting Act ( " FCRA '' ), including 15 U.S.C. 1681c-2 ( Section 605B ) and 15 U.S.C. 1681i ( Section 611 ). Under FCRA Section 605B, consumer reporting agencies are required to block information resulting from identity theft when a consumer submits proper notice and supporting documentation. Additionally, under FCRA Section 611, disputed information that can not be verified through a reasonable investigation must be deleted from the consumer 's file. Disputed Account XXXX XXXX Source of Information : XXXXXXXX XXXX Reported For : Account Abuse Account Number : Ending in XXXX Routing Number : XXXX Date of Closure : XX/XX/XXXX Reported Charge-Off Amount : {$1300.00} Reported Status : Unpaid I dispute this account in its entirety. I did not authorize the opening or use of this account and do not accept responsibility for any activity, balance, charge-off, or adverse reporting associated with it. I request that this account be blocked and removed from my file as identity theft-related information. Disputed Account XXXX XXXX Source of Information : XXXXXXXX XXXX XXXX Reported For : Non-Sufficient Funds ( NSF ) Activity Account Number : Ending in XXXX Routing Number : XXXX Date of Closure : XX/XX/XXXX Reported Charge-Off Amount : {$1400.00} Reported Status : Unpaid I dispute this account in its entirety. I did not authorize the opening, maintenance, or use of this account and do not acknowledge any responsibility for the reported NSF activity or alleged balance. I believe this account was established or used without my authorization and should be removed from my consumer file. Request for Investigation and Verification If these accounts are claimed to belong to me, I request copies of all documentary evidence used to verify them, including but not limited to : Original account applications Signature cards Deposit agreements Copies of identification used to open the accounts Electronic consent records IP address logs Account-opening documentation bearing my signature A statement that an account has been " verified '' is insufficient if the furnisher can not produce documentation demonstrating that I personally opened and authorized the account. Requested Action I respectfully request that you : Conduct a complete reinvestigation of these disputed accounts. Block the reporting of these accounts pursuant to FCRA Section 605B. Delete any information that can not be fully verified. Remove all negative reporting associated with these accounts. Provide written confirmation of the results of your investigation. Send me an updated copy of my consumer report reflecting the removal of these items. I certify under penalty of perjury that the information I have provided is true and correct to the best of my knowledge and that these accounts are being disputed as the result of identity theft and unauthorized use of my personal information. Thank you for your prompt attention to this matter. I look forward to receiving written confirmation that these accounts have been removed from my consumer file. Sincerely, XXXX XXXX XXXX

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