Consumer complaint received 2026-01-24 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: CA

Complaint narrative:
I am submitting this complaint due to ongoing violations of the Fair Credit Reporting Act ( FCRA ) involving identity theft, failure to block fraudulent information, failure to conduct a lawful reinvestigation, and continued reporting of inaccurate data despite formal dispute and federal identity theft certification. 

I am a verified victim of identity theft. I filed an official FTC Identity Theft Report under penalty of perjury confirming that I did not open, authorize, recognize, or benefit from the fraudulent account being reported. This identity theft resulted from multiple national data breaches between XXXX and XXXX, during which my personal identifying information was compromised. The FTC report explicitly identifies the affected account and certifies the fraud as required under federal law XXXX XXXX. 

The fraudulent account at issue is : XXXX Checking Account Account # XXXX Fraud began : XX/XX/XXXX Reported fraudulent balance : {$19000.00} This account was never opened, authorized, or used by me. It is a product of identity theft and has been improperly furnished to consumer reporting systems, including ChexSystems, causing direct financial harm, denial of banking access, and reputational damage. 

Violations of Federal Law Despite receiving my dispute and identity theft documentation, the reporting entities have continued to report and/or verify this account, which constitutes multiple violations of federal law : 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to Block Identity Theft Information Once an identity theft report is submitted, consumer reporting agencies must block the fraudulent information within four business days. There is no discretion to verify identity theft accounts. Continued reporting after receipt of the FTC Identity Theft Report is a direct statutory violation.

2. FCRA 611 ( 15 U.S.C. 1681i ) Failure to Conduct a Lawful Reinvestigation Any reinvestigation conducted appears automated and perfunctory. No documentation proving my liability, application, signature, IP logs, or identity verification has ever been provided to me. A reinvestigation that relies solely on furnisher confirmation through automated systems ( including XXXX  ) is legally insufficient. 

3. FCRA 607 ( b ) Failure to Maintain Reasonable Procedures for Maximum Possible Accuracy Reporting a fraudulent account tied to identity theft as accurate demonstrates a complete failure of reasonable procedures and internal controls. 

4. FCRA 623 ( a ) ( 1 ) ( A ) Furnishing Information Known or Which Should Be Known to Be Inaccurate XXXX has continued furnishing information after receiving notice of identity theft, placing it on actual notice that the data is false. 

5. Reinsertion Liability FCRA 611 ( a ) ( 5 ) ( B ) If this account was ever removed and later re-reported without proper certification and consumer notice, this constitutes illegal reinsertion. 

Additional Material Inaccuracies In addition to the fraudulent account itself, inaccurate personal information is also being associated with my consumer file, including an address I do not recognize ( XXXX XXXX XXXX, XXXX, CA XXXX ). This further confirms a compromised file and mixed or corrupted data. 

Harm Caused As a direct result of these violations, I have suffered : Denial of access to legitimate banking services Reputational and financial harm Emotional distress Inability to open deposit accounts Ongoing risk of further fraud due to unresolved file contamination

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