Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
This is a formal complaint against Chex Systems , Inc. for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, 1681i, 1681b, and 18 U.S.C. 1028A ( Aggravated Identity Theft ).

Despite submitting FTC Identity Theft Report # XXXX and filing multiple disputes through the CFPB ( see case numbers below ), ChexSystems continues to unlawfully retain and report accounts and inquiries that are the direct result of identity theft. 
Prior CFPB Complaint IDs : XXXX ( Filed XX/XX/XXXX ) XXXX ( Filed XX/XX/XXXX ) XXXX ( Filed XX/XX/XXXX ) Violations Committed by ChexSystems : XXXX. FCRA 1681c-2 Failure to Block Fraudulent Accounts ChexSystems is refusing to block identity theft-related account entries unless I provide a signed police report or officer signature. However, 1681c-2 requires only a valid Identity Theft Report, which I have already provided ( FTC Report XXXX XXXX ). They are not permitted to impose extra requirements not in the law. 
XXXX. FCRA 1681i Failure to Properly Investigate Disputes ChexSystems claims these accounts were " verified '' as accurate, but provided no substantiation from the furnishers. There is no indication they conducted a reasonable reinvestigation, especially after receiving an official identity theft report. 
XXXX. FCRA 1681b No Permissible Purpose for Inquiries Inquiries from multiple institutions remain on my file even though I did not authorize them, and they were made using stolen identity information. This is a direct violation of the FCRA 's permissible purpose requirement.

4. 18 U.S.C. 1028A Aggravated Identity Theft ChexSystems continues to knowingly retain and report fraudulent account and identity data despite being repeatedly notified that it is a result of identity theft. This willful conduct supports a violation of 18 U.S.C. 1028A. 
Inaccurate Personal Information Still Being Reported The following personal information is being improperly retained by ChexSystems : Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX Email Address : XXXX This information is inaccurate and must be removed immediately. 
Fraudulent Accounts Still on File Fifth Third Bank, XXXX XXXX XXXX XXXX, OH Account # : XXXX Reported For : Overdrafts Charge-Off Amount : {$810.00} Closure Date : XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA Account # : XXXX Reported For : Account Abuse Charge-Off Amount : {$2600.00} Closure Date : XX/XX/XXXX Unauthorized Inquiries " Viewed by Others '' These inquiries were made without my knowledge or consent using stolen personal information and must be treated as part of the identity theft case documented in FTC Identity Theft Report XXXX XXXX : Community First Credit Union XXXX Florida XX/XX/XXXX XXXX XXXX Texas XX/XX/XXXX XXXX Florida XXXX Union XX/XX/XXXX XXXX XXXX XXXX be permanently removed from my ChexSystems file for the following legal reasons : FCRA 1681b : There was no permissible purpose for these inquiries because they were made using fraudulent and unauthorized identity data.

FCRA 1681c-2 : Since they were the result of identity theft and are directly covered in my FTC Identity Theft Report, they must be blocked from my file upon request and with proper documentation, which I have already provided.

ChexSystems Improper Refusal to Block Identity Theft Information ChexSystems responded to my identity theft dispute by stating : The document does not clearly support the claim of identity theft or fraud relative to information in the consumer file at ChexSystems for the following reason ( XXXX ) : The documentation you provided is not signed by a law enforcement XXXX. 

This response is in direct violation of FCRA 1681c-2 ( a ), which does not require a law enforcement officers signature. The statute states that a valid FTC Identity Theft Report is sufficient to trigger the blocking of fraudulent information. ChexSystems demand for an additional signature or police report adds requirements not authorized by law and places an undue burden on identity theft victims.

Furthermore, ChexSystems stated that it would simply reinvestigate the items rather than block them, despite already receiving my FTC Identity Theft Report ( # XXXX ) and documentation demonstrating that the accounts and inquiries were the result of identity theft. 

This shows a systemic and willful misinterpretation of federal requirements, and supports my request for regulatory enforcement. 


ChexSystems is legally obligated to remove and block these inquiries from being reported to others and to ensure they no longer appear in any disclosures shared with third parties.

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