Consumer complaint received 2024-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I have been clear of this ChexSystems in 2009 I have not been able to open up a checking account, which is under the 15 USC 1681 Congressional findings and statement of purpose Accuracy and fairness of credit reporting 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 1 ) The Congress makes the following findings : ( A ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( B ) An elaborate mechanism has been developed for investigating and evaluating the creditworthiness of consumers and for disseminating credit information to financial institutions and other businesses. 

( C ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( D ) The consumer reporting agencies have regularly sold consumer reports to various subscribers, including financial institutions, merchants, and other businesses. 

( E ) At the same time, the consumer reporting agencies have not maintained a centralized source of information and have not developed uniform reporting standards.

( F ) The lack of uniform standards has resulted in inconsistent evaluation of consumers and has impaired the efficiency of the banking system. 

( 2 ) The purposes of this title are ( A ) to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information ; ( B ) to require that consumer reporting agencies maintain a centralized source of information and develop uniform reporting standards ; and ( C ) to regulate the use of consumer reports and to prevent the misuse of consumer reports. 

( b ) Definitions For purposes of this title, the following definitions apply : ( 1 ) The term " consumer '' means an individual.

( 2 ) The term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 3 ) The term " consumer reporting agency '' means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.

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