Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I am submitting this new complaint because my previous case with ChexSystems, XXXX # XXXX, was closed without resolving the core issue and without ChexSystems providing any documentation proving that the reported information belongs to me. For this reason, I am opening a new case, and I am formally restating that I do not own this account, I have never authorized or been involved with the activity being reported, and I have filed an FTC Identity Theft Report documenting that this reported information is fraudulent and does not belong to me. 

ChexSystems prior response did not address the facts of my dispute. Instead, they offered a general explanation of their policies and internal procedures but did not supply evidence showing that I opened or authorized the account or activity being reported. Because the previous case was closed without proper investigation or documentation, this new case is necessary to ensure that my dispute is reviewed in accordance with federal law, specifically the Fair Credit Reporting Act ( FCRA ) and identity theft provisions. 

Below is a detailed explanation of what happened, why this information is fraudulent, why I am opening a new case, why the prior ChexSystems response was insufficient, why my FTC Identity Theft Report must be taken into account, and what a fair resolution requires. 

XXXX. I Am Opening a NEW Case Because the Previous Case Was Closed Without Proper Review ChexSystems earlier response for Case # XXXX did not address the key issue : I do not own the account that is being reported. 

The company did not : Provide documentation proving I opened the account Provide original verification records Provide any identity confirmation Provide proof that I authorized any transactions Provide the underlying data furnished by the financial institution Explain how identity verification was performed Show evidence that they conducted a meaningful reinvestigation Compare furnished data with my FTC identity theft report Instead, ChexSystems provided a general policy description about retaining records for XXXX years and stated that they contacted the furnisher. However, they did not provide any documentation showing that the information belongs to me or that the furnisher validated the identity correctly. 

Because the previous case was prematurely closed, and because the essential issues remain unaddressed, this new case is required for a complete, lawful, and proper reinvestigation. 

XXXX. I Filed an FTC Identity Theft Report Because This Account Is Not Mine I have filed an FTC Identity Theft Report stating that the information being reported on my ChexSystems file is fraudulent, unauthorized, and not associated with me. This report legally documents that : I did not open the account I did not authorize anyone else to open the account I did not engage in the transactions linked to the reported information My identity may have been used without my knowledge The account is the result of identity theft or misattribution Furnishers must conduct a fraud-based reinvestigation Under FCRA and FACTA identity theft rules, ChexSystems is required to : Treat the dispute differently from a standard dispute Perform a heightened reinvestigation Obtain proper verification documentation from the furnisher Provide evidence supporting the accuracy of the information Cease reporting the information if it is unverifiable Block the fraudulent information if the furnisher can not verify ownership ChexSystems did not acknowledge my FTC Identity Theft Report in their previous explanation. They also did not demonstrate that they followed the proper identity theft procedures required by law. This new case requests that my FTC report be fully incorporated into the reinvestigation. 

XXXX. The Information Reported by ChexSystems Does NOT Belong to Me The account or activity associated with the derogatory ChexSystems record is not mine. I did not authorize any account opening, transaction, overdraft, closure, or activity that the financial institution involved may have reported. 

Specifically : I never opened the reported account I never signed any documents related to it I never performed any transactions tied to the alleged negative record I did not receive any mail, statements, phone calls, notices, or alerts for it I did not authorize anyone else to open an account on my behalf Additionally : I have no history with the financial institution I have never been contacted by them I have no documents or records linking me to the account I was unaware of the information until I checked my file The fact that I received no communication of any kind from the reporting bank or ChexSystems prior to discovering the record is evidence that this activity did not originate from me. 

XXXX. ChexSystems Failed to Provide Verification in the Previous Case In the prior case, ChexSystems did not provide : The account application Signatures associated with the opening of the account Identification documents allegedly presented IP or device data Recorded phone calls In-branch records Any documentation from the financial institution Proof that my identity was used Copies of the furnishers investigation Instead, ChexSystems responded with : General policies A note stating that the furnisher verified the information A statement that they notified the furnisher of my dispute An explanation that they would retain the information for XXXX years This does not fulfill ChexSystems legal obligation to provide verifiable evidence. 

A furnishers unsubstantiated statement that the information is accurate is not enough under FCRA. ChexSystems must obtain and provide actual proof, not summaries or conclusory statements. 

The absence of verification supports the accuracy of my FTC identity theft report and confirms that the reported information can not be validated. 

XXXX. ChexSystems Response Did Not Address Identity Theft Procedures Identity theft disputes require specific steps, including : Obtaining documentation the furnisher relied on Comparing that documentation to the consumers identity Evaluating discrepancies Examining fraud alerts or red flags Notifying the furnisher that the dispute involves identity theft Blocking unverifiable information ChexSystems did not indicate that they : Treated my case as identity theft Updated the file as disputed identity theft Blocked the disputed information pending investigation Requested original verification documentation from the bank Reviewed identity theft indicators Examined application inconsistencies Evaluated whether the identity presented matched mine This failure violates the XXXX and requirements of the FCRA for identity theft cases. 

XXXX. ChexSystems Cited Policies Instead of Providing Evidence ChexSystems prior response explained : How long they keep records How banks furnish data How inquiries remain for XXXX year That consumers must contact banks directly None of this proves I own the account. 

Consumers are entitled to : Verification of disputed information Evidence, not general policy language A meaningful reinvestigation Removal of unverifiable data Protection from identity theft harm The previous response did not meet these requirements. 

XXXX. Opening a New Case Is Necessary for Proper Oversight and Correction My previous case did not result in : Documentation Verification Removal Fraud review Identity theft processing Therefore, this new case is required to ensure that : A lawful reinvestigation occurs My FTC report is applied ChexSystems obtains the documents from the furnisher Any unverifiable or fraudulent record is removed My rights under the FCRA are protected ChexSystems must not simply rely on a banks unverified assertion ; they must require the bank to prove the information. 

XXXX. A Fair Resolution Requires Deletion Unless ChexSystems Provides Evidence Because I do NOT own this account and filed an FTC identity theft report, the only fair resolution is either : A. ChexSystems provides verifiable, original documentation proving the account belongs to me, OR XXXX ChexSystems deletes the record completely. 

The documentation required includes : The original account application Signature or digital authentication Identity verification documents IP address or device logs In-branch records Any communications sent regarding the account Fraud review findings If any of this documentation is missing, incomplete, or inconsistent with my identity, the information must be deleted under FCRA 607 ( b ) and 611 ( a ). 

XXXX. Harm Caused by the Inaccurate ChexSystems Report This fraudulent information causes ongoing harm : Denial of new accounts Delays in financial access Negative risk scoring Unfair profiling Emotional and financial stress Inability to access basic banking services This harm can only be corrected if ChexSystems performs a full reinvestigation and removes the inaccurate data. 

XXXX. Summary To summarize : I am opening a new case because Case # XXXX was closed without resolution I filed an FTC Identity Theft Report I do NOT own the reported account ChexSystems did not provide verification The reported information is fraudulent The furnisher did not provide evidence ChexSystems must provide documentation or delete the information A real reinvestigation is required My rights under the FCRA must be honored FINAL FAIR-RESOLUTION REQUEST A fair and lawful resolution requires ChexSystems to : XXXX XXXX Obtain and provide original documentation proving I opened the account. 
XXXX. Fully incorporate my FTC Identity Theft Report into the reinvestigation. 
XXXX. Treat this dispute as identity theft, not a general dispute. 
XXXX. Conduct a meaningful, document-based reinvestigation. 
XXXX. Remove the fraudulent information unless proof is provided. 
XXXX. Notify all relevant parties of corrections or deletions. 
XXXX. Prevent reinsertion unless fully certified. 
XXXX. Provide a detailed written explanation of findings. 

Anything less is not a fair or lawful resolution under the FCRA.

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