Consumer complaint received 2025-07-13 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ChexSystems, Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Immediate Deletion Request for XXXX XXXX XXXX XXXX XXXX  Reporting To Whom It May Concern : I am writing to formally dispute and demand the immediate deletion of the following inaccurate and harmful account currently being reported on my consumer file maintained by ChexSystems : Furnisher : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX Original Charge-Off Amount : {$93.00} Closure Status : UNPAID Closure Status Date : XX/XX/year> This reporting is negatively impacting my ability to access essential banking services, including being denied a bank account at multiple financial institutions. I assert that the continued furnishing and publication of this account violates my rights under the Fair Credit Reporting Act ( FCRA ) and demands urgent correction.

Legal Grounds for Deletion : Inaccurate or Unverifiable Information 15 U.S. Code 1681i ( a ) : Under the FCRA, I have the right to dispute any information I believe is inaccurate, incomplete, or can not be verified. You are required to conduct a reasonable reinvestigation and remove or correct any information that can not be verified with 100 % accuracy.

Failure to Maintain Maximum Possible Accuracy 15 U.S. Code 1681e ( b ) : Consumer reporting agencies must ensure that the information they furnish is accurate. If this account was furnished in error or lacks proper documentation and validation from XXXX XXXX XXXX XXXX, it must be deleted immediately. 

Adverse Effects and Consumer Harm 15 U.S. Code 1681b and 1681s-2 : The disclosure of this disputed information to banks has caused repeated denials in obtaining a basic checking account. This creates undue hardship and is inconsistent with the permissible purposes outlined in the FCRA. Additionally, furnishers of data, such as XXXX XXXX XXXX XXXX, are prohibited under 1681s-2 ( a ) from reporting information they know ( or have reasonable cause to believe ) is inaccurate.

Violation of Equal Access to Financial Services : The reporting of this small-dollar, disputed account has created a disproportionate barrier to banking services. This not only affects my financial standing but also places me in a vulnerable position, unable to engage in everyday economic activities, which may raise concerns under CFPB and FTC guidance regarding fair access to financial products.

Formal Request : I am demanding that ChexSystems : Immediately delete the above-mentioned account from my consumer report.

Refrain from further dissemination of this account information to third parties, including banks and credit unions. 

Provide me with a written confirmation of the deletion and results of your reinvestigation within XXXX hours of receipt of this letter.

If this matter is not resolved promptly, I will be filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney General 's office. I also reserve the right to pursue legal remedies for negligent or willful noncompliance under 15 U.S. Code 1681n and 1681o.

I expect your full cooperation in permanently deleting this inaccurate and harmful information and restoring my access to fair financial opportunities. 

Sincerely, XXXX XXXX

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