Consumer complaint received 2026-01-06 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: VA

Complaint narrative:
Chex Systems , Inc . 
Attn : XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX, MN XXXX Re XX/XX/XXXXIdentity Theft Dispute Demand for Deletion * * Consumer ID :XX/XX/XXXXXX/XX/XXXXName : * * XXXX XXXX * * DOB : * * XX/XX/XXXX * * SSN : * * XXXXXX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the ChexSystems records listed below , which were * * fraudulently opened and reported without my knowledge or authorization * *. I am a verified victim of identity theft and have already filed an * * FTC Identity Theft Report * *, which is enclosed with this correspondence. 

XX/XX/XXXXFraudulent Accounts Being Disputed : XXXX. * * Bank XXXX XXXXXX/XX/XXXXReason Reported : * Suspected Fraud Activity * * Date of Closure : XX/XX/XXXX * Amount : {$3400.00} * Location Reported : XXXX, AL XXXX. XX/XX/XXXX Reason Reported : * Account Abuse * * Date of Closure : XX/XX/XXXX * Amount : {$550.00} * Location Reported : XXXX, AL I did * * not * * open, authorize, use, benefit from, or have knowledge of these accounts. At the time these accounts were allegedly opened and used, I did not reside at the reported addresses and did not conduct banking activity in those locations. 

XX/XX/XXXX Legal Basis for Removal * * Under * * federal law * *, ChexSystems is required to block and remove identity-theft-related information : * * * Fair Credit Reporting Act ( FCRA ) XXXX ( 15 U.S.C. XXXX ) * * Requires consumer reporting agencies to * * block fraudulent information within XXXX business days * * upon receipt of an FTC Identity Theft Report. 

* * * Fair Credit Reporting Act XXXX ( 15 U.S.C. XXXX ) * * Requires inaccurate or unverifiable information to be * * deleted * *. 

* * * FACTA ( Fair and Accurate Credit Transactions Act ) * * Protects consumers from ongoing harm due to identity theft and mandates prompt correction. 

* * * Regulation XXXX ( XXXXXX/XX/XXXX ) * * Protects consumers from unauthorized electronic transactions. 

Because these accounts resulted from identity theft, they * * can not legally remain on my ChexSystems report * *, regardless of whether the financial institutions claim verification. 

XX/XX/XXXX Formal Demand * * I am demanding the following actions : XXXX. * * Immediate deletion * * of all identity-theft-related entries listed above XXXX. Written confirmation that my ChexSystems file has been corrected XXXX. An updated consumer report reflecting * * no fraud-related reported information * * Failure to comply with these statutory obligations may result in complaints filed with the * * Consumer Financial Protection Bureau ( CFPB ) * *, * * Federal Trade Commission ( FTC ) * *, and my * * State Attorney General * *, as well as potential legal action. 

Please respond in writing withinXX/XX/XXXX days * *, as required by law. 

Thank you for your prompt attention to this serious matter. 

Sincerely, * * XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXXXXXX, VA XXXX Phone : XXXX Email : [ XXXX ] ( XXXX : XXXX ) * * Enclosures : * * * FTC Identity Theft Report * Government-issued ID * Proof of Address

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