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Dispute ChexSystems with OC?


QM07
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Hey everybody:

I know that ChexSystems must follow the guidelines set under the FCRA.

While disputing listings directly with ChexSystems like we would with any other CRA, should we also dispute the report with the OC (Bank) like we would with a CA?

Thanks for any information in advance.

Your friend,

QM07

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Hello:

Thanks for the reply. How would I word the calling for full investigation?

I'm curious as to why we dispute it with Chex first? Wouldn't disputing the bank first cause a violation if they confirm it with Chex without first validating it to me?

Thanks for your help.

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Hello:

Thanks for the reply. How would I word the calling for full investigation?

Re: Acc#(whatever Chexsystems is reporting)

Dear Bank Dudes,

ChexSystems is reporting that I owe you $600,000. I have no knowledge of this account. Pursuant to the Fair credit reporting act, I'd like to request an investigation.

Hugs and Kisses,

You

I'm curious as to why we dispute it with Chex first? Wouldn't disputing the bank first cause a violation if they confirm it with Chex without first validating it to me?

Under the FCRA (623 c) you do not have a right to private action (file a lawsuit), unless you have disputed the information with the credit bureaus first.

If you dispute with the CRA and it is verified by the OC, then the OC should have the result of their investigation readily available. If they do not have that proof, and they varified the debt, then you can sue them.

-r

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I had to threaten to sue my old bank because of chex and their TL.

Short story.

CA overdraws account 200 bucks.

bank closes account

reports to chex and kicks debt to CA

CA reports debt

Merkurfan blows um off for a year

Merkurfan finds CIC

Merkurfan disputes with CA

Merkurfan DV's CA

CA verifies/Validates

Merkurfan sends PFD

CA signs and returns

Merkurfan RUNS to po and mails money order

Merkurfan watches TL's vanish in a week

Merkurfan tries to open new account

Chex reports unpaid account

Merkurfan disputes with chexs

Bank Verifys

Merkurfan disputes with bank

Bank replies unpaid

Merkurfan sends ITS to bank and proof of payment

Bank sends very nice letter kissing merkurfans butt and copy of information sent to chex

merkurfan opens account at chex bank next day and is happy..

I also have a account at a non-chex bank while dealing with the above.

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Re: Acc#(whatever Chexsystems is reporting)

Dear Bank Dudes,

ChexSystems is reporting that I owe you $600,000. I have no knowledge of this account. Pursuant to the Fair credit reporting act, I'd like to request an investigation.

Hugs and Kisses,

You

Under the FCRA (623 c) you do not have a right to private action (file a lawsuit), unless you have disputed the information with the credit bureaus first.

If you dispute with the CRA and it is verified by the OC, then the OC should have the result of their investigation readily available. If they do not have that proof, and they varified the debt, then you can sue them.

-r

Thanks Razr and long time no see. :)++

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Thanks Razr and long time no see. :)++

Hi there! Thanks for noticing, wife had back surgery and I've been working long hours...but all that has settled down a bit. I missed all ya'all. (I'm not form the south, I just like saying "all ya'all")

:D

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Hi there! Thanks for noticing, wife had back surgery and I've been working long hours...but all that has settled down a bit. I missed all ya'all. (I'm not form the south, I just like saying "all ya'all")

:D

My DH is from Texas and having the damndest time trying to break him of saying "Ya'all". :lol: Glad to hear things have gotten better with you and your family, hope she's feeling better now. I know the long hours scenario too well. It was nixed for December since my mom passed away just after Thanksgiving, they said I needed a break and time to grieve. Oh well, I guess I'll just catch up on cleaning at home now. heh. Nice to see ya again.

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  • 3 weeks later...

I got my reinvestigation results from Chex Systems the other day. The funniest part about it is they sent the letter saying "We received your letter and will investigate this information, etc" and the reinvestigation results in the same day haha. I received both letters on the same day, which is hilarious ... goes to show you how far they go to "verify".

My Question is should I wait the 30 days from the OC before I request MOV and/or reinvestigation? I was not completely clear on the MOV and what they are required to do. I've read in a few places where people have gotten things deleted with a strongly worded MOV letter citing the Wenger vs Trans Union case in your letter ...and others who say not to waste your time with a MOV letter. Aren't they required to prove they went beyond just confirming the "two-digit code" in their computer system, and provide some other sort of information? I would assume its a good idea just for the purpose of having more "OC verification" from Chex to throw at the OC when the 30-day time comes around.

Thanks for any insight and clarification.

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Rather than open up a new thread, I'll ask this here. I only have one baddy in my ChexSystems report and it will be 3 years this October since DOFD. ChexSystems states they report this info for 5 years, meaning 10/2010 this baddy will go (the baddy is for an OVERDRAFT at an old bank).

Should I just wait the 2 years, or should I dispute now and hope for the best?

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Rather than open up a new thread, I'll ask this here. I only have one baddy in my ChexSystems report and it will be 3 years this October since DOFD. ChexSystems states they report this info for 5 years, meaning 10/2010 this baddy will go (the baddy is for an OVERDRAFT at an old bank).

Should I just wait the 2 years, or should I dispute now and hope for the best?

Dispute it now with ChexSystems first, and then send a letter requesting that the OC bank "investigate" this reporting and substantiate it. You can't DV the bank as you would with a CA, but they must provide you with verification if you request an investigation. Chances are the bank might/probably will slip up and not provide it within 30 days. Always dispute... most of them time they will mess up and that turns out in your favor if you do some reading an educate your self on the laws.

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So basically i'm doing the 623....

Ok I'll do that tomorrow.

Well I sent the letter to ChexSystems today asking to validate and investigate. CMRRRed it and used normal postage as I'm not really stressing it (it would be nice though to bank at Wamu though...got denied twice online...I might have to go in person though with hopefully deleted item from report). Guess I'll know what's up by middle to end of February.

As always, will always let you know how it goes. For some reason, I love posting whatever happens. It's like my own interactive personal blog. :)

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For some reason, I love posting whatever happens. It's like my own interactive personal blog. me 2

:lol:lol@merk & above :mrgreen: sometimes you guys make me chuckle :wink:

above i'm in ur same boat, 1 baddie on chex from 2004. i haven't paid the bank yet either. i called the bank & the rep over the phone gave me the amount i owed, but couldn't give any other info.

merk: i noticed you paid first & then disputed, but you had a PFD. the bank refuses to PFD, just list paid collect with chex. i'm wondering if i should dispute first pay if they can prove it physically, or just pay now then dispute because the rep had my info over the phone. chexs sys is complicated:roll:

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For some reason, I love posting whatever happens. It's like my own interactive personal blog. me 2

:lol:lol@merk & above :mrgreen: sometimes you guys make me chuckle :wink:

above i'm in ur same boat, 1 baddie on chex from 2004. i haven't paid the bank yet either. i called the bank & the rep over the phone gave me the amount i owed, but couldn't give any other info.

merk: i noticed you paid first & then disputed, but you had a PFD. the bank refuses to PFD, just list paid collect with chex. i'm wondering if i should dispute first pay if they can prove it physically, or just pay now then dispute because the rep had my info over the phone. chexs sys is complicated:roll:

Thank you kitty. I like knowing that I'm not alone...that's why I come here. This whole ordeal causes me to come here...I've seen the other boards but this place is the most welcoming and while I exist in myfico and creditboards, I don't post there.

If I have to pay I will, but I only have two years left on Chex and then it's gone. I already have a bank account that's on Chex and I've been with them for 5 years. But the closest bank to me is the next town over and I would like to bank in town. (Preferably WaMu, but they won't give me an account until this thing gets settled). I will see how my dispute goes and take it from there. It's not a high priority, but I did start it, so might as well finish it.

I can hold out though, but if I can switch, I'll do it.

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ASKING CHEXSYSTEMS TO REMOVE A LISTING

ChexSystems is the “credit bureau” for checking accounts; it maintains a database of individuals who have written a number of bad checks. If you get on their list, you won’t be able to open a checking account anywhere in the United States. Keep a copy for your files and send the letter registered mail.

Your Name

123 Your Street Address

Your City, ST 01234

SSN

ChexSystems

Customer Relations

12005 Ford Road Suite 600

Dallas, TX 75234

Date:

To Whom It May Concern:

My bank has informed me that there is negative information reported by United Anytown Bank included in the file ChexSystems maintains under my Social Security Number. Upon ordering a copy of the report, I see an entry from this bank listing a “debit card revoked” in March 1997.

I do not recall having a debit card from this bank in 1997.

Please validate this information with United Anytown Bank and provide me with copies of any documentation associated with this “debit card” bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.

Sincerely,

Your Signature

Your Name

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  • 1 month later...
FYI, I think ChexSystems has a new address...I used this one from my report.

ChexSystems

Customer Relations

7805 Hudson Road, Suite 100

Woodbury, MN 55125

I did use that same letter though.

Well, it's been a month, I got response back from them.

My one offending overdraft listing is....

GOOOOOOOOOOOOOOOOOOOOOONNNNNNNNNNNNNNNNNNNNNEEEE!!!

I now have a clean ChexSystems report. I decided to join the 21st century and open up checking accounts via online at both Wamu [Wahsington Mutual] (who would not budge until this got taken cared of) and BOA [bank of America -- I am very Newbie friendly :D ]

Got checking accounts at both. Bank of America I thought was gonna be rough because I had a Fleet account that I just let go to hell and might have owed fees on it. Apparently, while I was still in the system (from 1999), they couldn't tell me whether I was active or not.

I plan on keeping both since I don't need direct deposit on either (BOA has a promotional right now but if I didn't have the promotional, free checking would be $5.95 if I didn't use direct deposit...but that is still pretty lame and "not-that-there's-anything-wrong-that"). BUT...BOA is where my payroll checks are drawn from. Wamu I hear has excellent customer service and they seem to be everywhere.

Both are near my house and my job. I may open another thread to get some opinions. I definitely don't want Wachovia though. Had them when it was First Union....charging .50 to check your account on the phone is definitely lame. :evil:

In any event, thank you for advising me to dispute Chexsystems....it's worth it! And I didn't have to shell out $xxx.xx in fees I will never, ever pay.

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  • 3 weeks later...
  • 2 months later...
Re: Acc#(whatever Chexsystems is reporting)

If you dispute with the CRA and it is verified by the OC, then the OC should have the result of their investigation readily available. If they do not have that proof, and they varified the debt, then you can sue them.

-r

I know its been almost 2 months since I last posted in this thread. The OC (Citizens Bank) never validated with ChexSystems and it was removed. Then, 2 months later, I received a package from ChexSystems that included account statements from Citizens and a letter saying its been reinserted into my report. However, I never received any response or documentation from Citizens themselves even though I sent Citizens a letter of their own requesting an investigation into their records. Wasn't Citizens required to send these documents to me as well?

Thanks for any help in advance.

QM07

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