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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ChexSystems, XXXX. 
XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Immediate Deletion Request for XXXX Account Reporting To Whom It May Concern : I am writing to formally dispute and demand the immediate deletion of the following account currently being reported on my consumer file maintained by ChexSystems : Furnisher : XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX RTN/Account # : XXXX / XXXX Original Charge-Off Amount : {$42.00} Closure Status : UNPAID Date of Closure : XX/XX/XXXX Closure Status Date : XX/XX/XXXX This information is negatively impacting my ability to secure basic financial services, including being repeatedly denied checking accounts at various financial institutions. I dispute the accuracy, validity, and fairness of this record and am exercising my rights under federal law to have it immediately deleted. 

Legal Basis for Dispute and Removal : XXXX U.S.C. XXXX ( a ) Right to Dispute Inaccurate or Unverifiable Information I dispute the validity of this account and am requesting a full reinvestigation. If XXXX or ChexSystems can not provide verified and documented proof of the accuracy of this information, it must be removed immediately. 

XXXX XXXX. XXXX ( b ) Maximum Possible Accuracy You are legally obligated to ensure all information in my consumer report is as accurate and up-to-date as possible. Any failure to maintain this standard is grounds for deletion. 

XXXX XXXX. XXXX ( a ) Prohibition on Reporting Inaccurate Information Furnishers of data, such as XXXX, are prohibited from reporting information they know to be inaccurate or can not verify. This account, in its current form, is being used against me without proper validation and is causing material harm. 

Consumer Harm Denial of Financial Access Due to the presence of this small-dollar, disputed entry, I have been unable to open basic bank accounts. This represents an undue and disproportionate burden on my financial freedom, which could raise regulatory concerns under guidance from the Consumer Financial Protection Bureau ( CFPB ) regarding fair access to banking services. 

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

Cease all further reporting and sharing of this entry with third parties. 

Provide a written confirmation of deletion and the results of your reinvestigation. 

If this matter is not addressed and resolved within XXXX hours, I will proceed with formal complaints to the CFPB, FTC, and my state Attorney General, and I reserve the right to pursue legal action under XXXX U.S.C. XXXX and XXXX for any negligent or willful noncompliance with the Fair Credit Reporting Act. 

Thank you for your immediate attention to this matter. 

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