Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am filing this complaint against ChexSystems, a nationwide specialty consumer reporting agency, for knowingly furnishing inaccurate, unverifiable, and unauthorized information, resulting in multiple bank account denials and the unlawful creation and use of a XXXX consumer score without my consent. 

ChexSystems claims to the public and regulators, including in a recent response to CFPB Case ID XXXX, that they : Do not make approval or denial decisions ; Do not provide scores used in such decisions ; Are not responsible for consumer outcomes ; Are not required to obtain consent to furnish or receive data ; and Can not delete verified data unless a police report is provided.

These statements are false, misleading, and legally inadequate under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Proof ChexSystems Caused Harm XXXX XXXX XXXX Denial and Score Provided I attach as Exhibit A the Notice of Adverse Action from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, which clearly states : Our decision to deny the requested service or account was based in whole or in part on information obtained from ChexSystems... 
We obtained your QualiFile Score from ChexSystems and used it in making our decision. 
Your score : XXXX ( Range : XXXX )... 
Key factors that adversely affected your score : DDA Closure ( s ) Unique FI DDA Inquiry History Payment History No Evidence of Asset Ownership This document proves ChexSystems provided a numerical score, which directly caused my denial contradicting their statements to the CFPB.

They also stated that they do not approve/decline accounts, yet furnish scores and data that are the sole basis for financial institutions ' denials. That constitutes a direct causal role under FCRA and a willful misrepresentation in their CFPB response.

ChexSystems Violations FCRA 1681b ( a ) Reporting data without permissible purpose : ChexSystems is reporting inquiries and information from banks I never applied to or authorized, including : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( 3 dates ) XXXX XXXX XXXX  FCRA 1681e ( b ) Failure to ensure maximum possible accuracy : ChexSystems accepted hearsay from furnishers and failed to validate consent, signatures, or application records before damaging my report.

FCRA 1681i ( a ) Inadequate reinvestigation : ChexSystems conducted no independent reinvestigation. They relied on the furnishers themselves, violating XXXXXXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

FCRA 1681n & 1681o Willful and negligent noncompliance : ChexSystems refuses to delete unverifiable information and falsely told me that a police report is required, which is not true for these types of consumer disputes.

Injuries Ive Suffered Denied multiple bank accounts due to ChexSystems data Scored and profiled without consent Emotional distress, reputational damage, and humiliation Loss of access to basic financial services despite being a data breach victim

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