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Freeing Your Name from Chexsystems Database:
Tools & Resources You will Need as you Read this Advice
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free of charge so you see if your reported any where else
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Removal Instructions
The first step you need to take is to visit
their websites and download a consumer report request. Their policy
allows consumers to get one free report per year. This report is
going to be very useful because you will be able to see exactly what
you are being reported for.
Second once you get your report you should get
a reinvestigation form. Fill out the front side of the form and put
the name of the bank, account number and amount, pretty much just
follow the instructions. The backside (note: do not fill out the
back where it asks for a customer statement. I have heard from many
people that it is really admitting to the debt if you fill it out)
So to play it safe don't fill it out.
Third and final step along with your little
reinvestigation form you are going to attach the following letter:
Fill in the Highlighted Areas
[YOUR NAME]
[YOUR ADDRESS]
Chexsystems
[THEIR MAILING ADDRESS]
[DATE]
RE Consumer ID # [your ID number ]
Dear Consumer Relations Department:
This letter is in response to your recent
report that [NAME OF BANK] has notified you of an unpaid debt with
them. Please provide me with a copy of any viable evidence submitted
by [NAME OF BANK THAT REPORTED YOU]. Be advised that the description
of the procedure used to determine the accuracy and completeness of
the information is hereby requested, to be provided with in the
customary period as prescribed by Federal Law (30) days of the
completion of your investigation. Additionally, please provide the
name, address, and telephone number of each person contacted at
[NAME OF BANK] regarding this alleged account/debt. I am hereby
formally requesting a copy of any documents provided by [NAME OF
BANK], bearing my signature, and showing that I have a legally
binding contractual obligation to pay them. A bank clerk looking at
their computer screen, seeing my name listed in their database is
NOT verification or validation of any alleged debt.
Please note that I am making a goodwill attempt
to have you clear up this matter. The listed item is entirely
inaccurate and incomplete, and represents a very serious error in
your reporting.
Failure to comply with Federal Regulations by
credit reporting agencies is investigated by the Federal Trade
Commission (15 USC 41, et seq.). I am maintaining a careful record
of my communications with you for the purpose of filing a complaint
with the FTC and the State of [YOUR STATE] Attorney General’s
Office, should you provide noncompliance. I further remind you that,
as in Wenger V. Trans Union Corp., No. 95-6445 (C.D. Cal. Nov. 14th,
1995), you may be liable for your willful non-compliance.
Sincerely,
[YOUR NAME]