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# How to find out if a bank account was opened in your name (CPF): check the CCS report on Registrato
- URL: https://blog.erlancarreira.com.br/relatorio-ccs-registrato-conta-no-cpf-en/
- Published: 2026-10-09T23:52:16.000Z
- Updated: 2026-10-09T23:52:16.000Z
- Author: Erlan da Silva Carreira

**Short answer:** you can find out whether a bank account was opened in your name by issuing the CCS report (Cadastro de Clientes do Sistema Financeiro — Register of Customers of the Financial System) free of charge through Registrato, on the Central Bank of Brazil's website or app. The CCS lists every bank and institution where you have or have had an account, investment, or other relationship, including start dates and, when applicable, end dates. If a relationship appears that you don't recognize, contact the institution and, if you wish, file a complaint through the Central Bank's official channel.

Fraud involving the use of a CPF (Brazilian taxpayer ID) to open accounts does happen, and many victims only find out years later — for example, when applying for credit. That's why periodically checking your CCS report is a simple way to protect yourself. This article explains what the report shows (and what it doesn't), how to request it step by step, and what to do if you find an account you don't recognize.

> This article is educational content and does not constitute individual investment advice.

## What the CCS report is

The CCS (Cadastro de Clientes do Sistema Financeiro) is a report showing **which banks and institutions you have or have had an account, investment, or other type of relationship with**, including the start date and, if applicable, the end date of each relationship.

In practical terms: if someone used your CPF to open an account at a bank, that relationship should appear in your CCS — even if you've never set foot in a branch.

### What the CCS does NOT show

It's important to have the right expectations about the report. The CCS **does not display**:

- branch and account numbers;
- registration data;
- balances;
- transactions.

In other words, it answers the question "where does (or did) a relationship exist in my name?", but it doesn't detail what happened inside those accounts. To see statements and transactions, you need to contact the institution directly.

### What time period does the report cover

The CCS covers relationships started on or after January 1, 2001 — or earlier ones, provided they were not closed by December 31, 2000\. Very old relationships that were already closed before that date may not appear.

## What checking the CCS is for

![](https://blog.erlancarreira.com.br/content/images/2026/10/relatorio-ccs-registrato-conta-no-cpf-inline-1.jpg)

The main uses are:

1. **Reviewing your own banking relationships** — getting an overview of where you have or have had accounts and investments;
2. **Checking for misuse of your CPF** — identifying accounts opened by third parties without your knowledge;
3. **Researching the accounts of a deceased person** — useful for probate purposes, by someone authorized by the account holder (in this case, by the heirs/legal representatives).

The focus of this article is the second case: finding out whether an account was opened in your CPF without your knowledge.

## How to request the CCS report step by step

The report can be issued **free of charge** through three channels:

| Channel                 | How it works                                                                  | Notes                                                                                                   |
| ----------------------- | ----------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------- |
| **Registrato (Meu BC)** | Online access via the Central Bank's website/app                              | Immediate service; requires a gov.br account at silver or gold level with two-step verification enabled |
| **Information Request** | Request submitted through the channels indicated on the official service page | No estimated timeframe provided                                                                         |
| **Mail**                | Request by letter, per official guidance                                      | No estimated timeframe provided                                                                         |

### Step by step via Registrato (fastest option)

1. Access Registrato through the Central Bank's website or app (Meu BC);
2. Log in with your **gov.br account at silver or gold level**, with **two-step verification** enabled;
3. Request the CCS report (Cadastro de Clientes do Sistema Financeiro);
4. Receive and read the report, checking each institution listed.

Two points of attention:

- **Confidentiality:** the report is confidential and can only be requested by the account holder — or by someone authorized by them. No one can consult another person's CCS without authorization.
- **gov.br account level:** if your account is at the bronze level, you'll need to upgrade it to silver or gold before accessing the service.

## I found an account I don't recognize. Now what?

![](https://blog.erlancarreira.com.br/content/images/2026/10/relatorio-ccs-registrato-conta-no-cpf-inline-2.jpg)

If the report shows a banking relationship you don't recognize, the recommended path is:

1. **Contact the institution first** — the one listed in the report — through its official service channels (customer service and ombudsman). It holds the details of the relationship and can clarify how it was opened;
2. **If there's no resolution, file a complaint through the Central Bank's official channel**, using the service "Register a complaint against an institution supervised by the Central Bank." The complaint can be filed online, by phone, or by mail, according to the guidance on the official service page. This channel also requires a gov.br account at silver or gold level with two-step verification;
3. **Wait for the institution's response:** the response deadline is set by current regulation; check the updated information on the official Central Bank complaints page.

Some limitations worth knowing beforehand:

- The Central Bank **does not intervene in individual contractual relationships** — the complaint is forwarded to and pursued with the institution, but the institution is the one that responds;
- Filing a complaint **is not a guarantee of resolution**; for that reason, it's also worth contacting the institution's customer service, its ombudsman and, if necessary, Procon (the Brazilian consumer protection agency).

## Risks and limitations of the CCS as a protection tool

- The report shows **where** a relationship exists, but not the contents of the accounts (balance, transactions, registration data);
- Relationships closed before 2001 may not appear;
- Issuing the report requires a gov.br account at silver/gold level with two-step verification — if you don't have that level, you'll need to sort that out first;
- Finding an unknown account in the CCS is an indication of possible fraud, but clarifying it depends on the institution; filing with the Central Bank is a channel for pressing the issue, not an automatic solution.

## Common mistakes

- **Thinking the CCS shows balances or statements:** it doesn't; for that, contact the bank;
- **Only checking when credit is denied:** checking periodically helps identify problems earlier;
- **Filing a complaint with the Central Bank before contacting the institution:** the recommended path is to first seek clarification through the bank's customer service/ombudsman;
- **Trying to consult someone else's CCS without authorization:** the report is confidential.

## FAQ

**Is the CCS report paid?** No. The service is free for individuals.

**Do I need to pay or have an account at a specific bank to request it?** No. You just need a gov.br account at silver or gold level, with two-step verification, and access to Registrato (Meu BC).

**Does the CCS show how much I have at each bank?** No. The report doesn't display balances, transactions, branch/account numbers, or registration data.

**Can I see accounts opened before 2001?** Only relationships started on or after January 1, 2001 — or earlier ones, if they were not closed by December 31, 2000.

**Can someone consult my CCS on my behalf?** Only with your authorization; the report is confidential.

**I found an unknown account. Does the Central Bank fix it for me?** The Central Bank doesn't intervene in individual cases. Contact the institution (customer service/ombudsman) and, if you wish, file a complaint through the official channel. If necessary, turn to Procon.

## Conclusion

If you want to know whether a bank account was opened in your name, the official and free path is to issue the CCS report through Registrato (Meu BC), with a gov.br account at silver or gold level and two-step verification. The report lists every bank and institution where you have or have had a relationship, with dates — although it doesn't show balances or transactions. Found something you don't recognize? Contact the institution and, if needed, file a complaint through the Central Bank's channel, knowing that the response comes from the institution itself. Checking the CCS from time to time is a simple habit to protect your name and your CPF.

## Related articles

- [How to review your bank statement step by step](https://blog.erlancarreira.com.br/revisar-extrato-bancario-passo-a-passo)
- [Credit score: how it works](https://blog.erlancarreira.com.br/score-de-credito-como-funciona)
- [How to organize your financial receipts](https://blog.erlancarreira.com.br/como-organizar-comprovantes-financeiros)
- [Complete guide to financial organization](https://blog.erlancarreira.com.br/guia-completo-organizacao-financeira)

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**Official sources (verified on 10/09/2026; channel rules, timeframes, and gov.br requirements may change):**

- gov.br — Generate the accounts and investments report (CCS): [https://www.gov.br/pt-br/servicos/gerar-relatorio-de-contas-e-investimentos-ccs](https://www.gov.br/pt-br/servicos/gerar-relatorio-de-contas-e-investimentos-ccs?ref=blog.erlancarreira.com.br)
- gov.br — Register a complaint against an institution supervised by the Central Bank: [https://www.gov.br/pt-br/servicos/registrar-reclamacao-contra-instituicao-supervisionada-pelo-banco-central](https://www.gov.br/pt-br/servicos/registrar-reclamacao-contra-instituicao-supervisionada-pelo-banco-central?ref=blog.erlancarreira.com.br)

> The Central Bank does not intervene in individual contractual relationships; contact the institution's customer service, its ombudsman, or Procon.