Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
Date of Closure : XX/XX/XXXX Original Charge Off Amount : {$220.00} Closure Status : UNPAID Closure Status Date XX/XX/XXXX Dear ChexSystems, I went to open a new bank account XX/XX/XXXX, and was informed of this error regarding XXXX XXXX and ChexSystems I noticed fraudulent and unauthorized activity.showing for a closed/charged off account for : XXXX XXXX  Date Charged Off : XX/XX/XXXX I did not authorize anyone employed by these companies to view my consumer report or give any of my personal information to any third party. I am revoking your right to report this inaccurate and false information. Under 12 CFR 1016.7 ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. 
In addition, I did not give you, ChexSystems, permission to furnish this information on my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is a serious breach of my privacy rights.

Under 15 USC 1692e- this alleged debt is now in dispute Under 15 USC 6802 ( c ) ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I am aware that ChexSystems is a consumer reporting agency and is required to operate under 15 USC 1681 ( a ) ( b ). This is the ONLY consumer reporting agency that I have heard of having this account, which is PROOF that you are reporting INACCURATE information. Failing to remove this error will be in violation of 15 USC 1681s-2. 
I demand that you, ChexSystems, produce a contract between you and I, the consumer bearing my signature showing that I gave you permission to furnish info on my I received no goods or services for {$220.00} and have no knowledge or recollection of this item. I have NOT been contacted by anyone trying to settle this debt and have contacted XXXX demanding removal as well. In which, they told me on the phone for an hour they can not access my account because it is closed and they have no record as to how I would be able to settle this dispute. I am NOT requesting the item to be blocked or removed in error and demand that this account be blocked from my account. Also, this request for removal is not based on material misrepresentation. I am also suffering emotional distress and financial hardship from not being able to open a new bank account from this FALSE and INACCURATE INFORMATION. 
Failure to remedy this situation will result in an invoice for {$1000.00} per violation and ChexSystems and XXXX may be held civilly liable under 15 USC 1681n and 15 USC 1681o . 
Thank you, ( Agent/Beneficiary ) Without prejudice All natural inalienable rights reserved

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