Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I am disputing inaccurate and fraudulent information that appears on my ChexSystems consumer report under XXXX ID XXXX. 

On my ChexSystems disclosure dated XX/XX/XXXX, there is an overdraft account reported by XXXX XXXX XXXX ( Acct ending in XXXX ) showing a charge-off of {$100.00}, closed on XX/XX/XXXX and later updated as Paid in Full on XX/XX/XXXX. I have never opened, authorized, or used any account with XXXX XXXX XXXX. This account is fraudulent and should not be associated with my file. 

Additionally, there are numerous unauthorized inquiries listed in my ChexSystems report, including but not limited to : XXXX XXXX XXXX XXXX, IL XX/XX/XXXX XXXX  XXXX ( on behalf of XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( on behalf of XXXX XXXX  ) XX/XX/XXXX XXXX  XXXX ( on behalf of XXXX XXXX XXXX XX/XX/XXXX I did not authorize or initiate any of these inquiries and I have no prior relationship with these businesses. These are fraudulent and damaging to my consumer report. 

I have already filed an FTC Identity Theft Report documenting these issues. My personal information has been compromised and used by an unknown party, resulting in fraudulent activity on my ChexSystems report. 

Furthermore, when I attempted to dispute these inaccuracies and obtain my report online, ChexSystems informed me that my account requires a manual review before I am allowed to order my report or submit disputes through their online portal. This restriction is unreasonable and effectively blocks me from exercising my federally protected rights under the Fair Credit Reporting Act ( FCRA ) to access and dispute my consumer report information. 

I am requesting that the CFPB direct ChexSystems to : 1. Remove the fraudulent XXXX XXXX XXXX account from my file. 
2. Delete all unauthorized inquiries listed above that were not initiated by me.

3. Provide me full and unrestricted access to my ChexSystems report and online dispute system without requiring unnecessary manual review barriers.

4. Ensure my ChexSystems consumer report reflects only accurate, verified, and authorized information.

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