Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I am filing a complaint against XXXX  and the financial institutions listed below for failing to remove fraudulent accounts and failing to comply with federal identity-theft laws under the Fair Credit Reporting Act ( FCRA ) and the Fair & Accurate Credit Transactions Act ( FACTA ) : Citizens XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These institutions are reporting accounts marked as Account Abuse, charge-offs, and unpaid closures that were not opened or authorized by me.

I am a victim of identity theft, and the information appearing on my XXXX  report is fraudulent.

DETAILS OF THE VIOLATION 1. Violation of FCRA 605B Failure to Block Identity-Theft Information Under 605B, ChexSystems is legally required to block fraudulent information within 4 business days after receiving : My identity theft report ( FTC report ) Proof of identity Identification of fraudulent accounts Written dispute I submitted all required documents, yet XXXX  refused to block and remove the fraudulent accounts.

This is a direct violation of federal law.

2. Violation of FCRA 611 Failure to Conduct a Reasonable Reinvestigation ChexSystems failed to perform a reasonable reinvestigation and continues to report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me, and XXXX has not provided any method of verification or documentation supporting their accuracy. 

XXXX. Violation of FCRA 609 ( e ) Failure of Banks to Provide Fraud Documentation Each bank is required under 609 ( e ) to provide : Account applications Transaction records Communications Fraud documentation Any records used to verify the identity of the person who opened the account All banks failed to provide these legally required documents. 

This prevents me from identifying how my identity was stolen and violates federal consumer protection laws. 

XXXX. Damage to Me as a Consumer The fraudulent accounts and ChexSystems entries have resulted in : Denial of checking account openings Denial of banking services Inability to access financial products Emotional distress Difficulty managing daily financial activities These damages are a direct result of ChexSystems noncompliance with federal laws. 

WHAT I AM REQUESTING I am requesting that the CFPB require : XXXX XXXXo : Immediately block and permanently remove all fraudulent information under FCRA 605B Conduct a compliant reinvestigation Provide written confirmation of deletion Citizens Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to : Provide all documentation required under FCRA 609 ( e ) Cease reporting fraudulent information Notify ChexSystems to delete the accounts FRAUDULENT ACCOUNTS IDENTIFIED ( as listed on my XXXX XXXX XXXX  Citizens Bank Account XXXX, closed XX/XX/XXXX XXXX XXXX XXXX XXXX  Account Abuse, closed XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, closed XX/XX/XXXX These accounts were not opened, used, or authorized by me. 


FINAL STATEMENT XXXX  and the reporting banks are in violation of multiple federal laws regulating the handling of identity-theft victims.

I am requesting immediate CFPB intervention to ensure the fraudulent information is deleted and the institutions comply with all FCRA and FACTA requirements.

Company response to consumer: Closed with explanation