How to Dispute Information in ChexSystems
by Lisa Phillips
by Lisa Phillips
how the dispute was confirmed. Send another certified letter requesting validation of the disputed
item. The validation should include the name, address and telephone number of the business or
individual who verified the dispute as accurate in addition to your signature on any original
documentation from the bank. Keep a good timeline and all return receipt cards from the post
office. If Chexsystems cannot verify how they confirmed your dispute they must delete the item.
Unverified Disputes
If Chexsystems does not respond to your dispute within 30 days from their receipt of your dispute
letter they must delete the item. You can confirm when they received your dispute letter by the
return receipt card you get from the post office. No response means they could not confirm the item
and it must then be removed. Send Chexsystems another certified letter demanding they remove
the item because they have not responded in the time allotted by FRCA Rules.
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item. The validation should include the name, address and telephone number of the business or
individual who verified the dispute as accurate in addition to your signature on any original
documentation from the bank. Keep a good timeline and all return receipt cards from the post
office. If Chexsystems cannot verify how they confirmed your dispute they must delete the item.
Unverified Disputes
If Chexsystems does not respond to your dispute within 30 days from their receipt of your dispute
letter they must delete the item. You can confirm when they received your dispute letter by the
return receipt card you get from the post office. No response means they could not confirm the item
and it must then be removed. Send Chexsystems another certified letter demanding they remove
the item because they have not responded in the time allotted by FRCA Rules.
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The Dispute Process
Chexsystems has thirty (30) days from the date your dispute is
received to investigate the dispute. If you obtained your
Chexsystems report by requesting it from the FACTA Free Annual
Report Annual the law extends the dispute response period to
forty-five (45) days. Once your dispute request is received
Chexsystems must confirm they contacted someone at your financial
institution to verify the information in dispute.
Dispute by U.S. Mail
When disputing information in your Chexsystems it is better to write
a letter dispute and send it via certified, return receipt U.S. mail.
Disputing online makes it more difficult to create a paper trail in case
you need it at some later date.
Dispute by Telephone
If you call to dispute an item in Chexsystems or even if you call to
ask a question, Chexsystems will try to ascertain as much
information as possible about you, including but not limited to
employer and where you have or had bank accounts for the past 5
years. NEVER give Chexsystems anymore information than is
required for them to access your files. Remember, they are a
consumer reporting agency and whatever information they collect
only helps them, not you.
Under the Fair Credit Reporting Act, the only information they need
to confirm your identity is your name, current address (not past
addresses), date of birth, social security number, the bank name
and account number you are disputing. Do not give them a history
of your accounts for the past 5 years.
Verified Disputes
Verified information in your Chexsystems report will remain in your
file for up to 5 years. However, Chexsystems must explain how they
verified the dispute. The FRCA gives you the right to know
Chexsystems has thirty (30) days from the date your dispute is
received to investigate the dispute. If you obtained your
Chexsystems report by requesting it from the FACTA Free Annual
Report Annual the law extends the dispute response period to
forty-five (45) days. Once your dispute request is received
Chexsystems must confirm they contacted someone at your financial
institution to verify the information in dispute.
Dispute by U.S. Mail
When disputing information in your Chexsystems it is better to write
a letter dispute and send it via certified, return receipt U.S. mail.
Disputing online makes it more difficult to create a paper trail in case
you need it at some later date.
Dispute by Telephone
If you call to dispute an item in Chexsystems or even if you call to
ask a question, Chexsystems will try to ascertain as much
information as possible about you, including but not limited to
employer and where you have or had bank accounts for the past 5
years. NEVER give Chexsystems anymore information than is
required for them to access your files. Remember, they are a
consumer reporting agency and whatever information they collect
only helps them, not you.
Under the Fair Credit Reporting Act, the only information they need
to confirm your identity is your name, current address (not past
addresses), date of birth, social security number, the bank name
and account number you are disputing. Do not give them a history
of your accounts for the past 5 years.
Verified Disputes
Verified information in your Chexsystems report will remain in your
file for up to 5 years. However, Chexsystems must explain how they
verified the dispute. The FRCA gives you the right to know
You can dispute any information in your Chexsystems file as Chexsystems is a consumer reporting
agency and subject to the Fair Credit Reporting Act. Chexsystems must investigate any dispute you
submit just like the major credit bureaus are required to do.
Chexsystems has thirty (30) days to investigate a disputed item or items. If the disputed item is not
verified by the reporting bank, financial institution or credit union, the item must be deleted from
your report. The FRCA Rules require Chexsystems to report information that is 100% accurate.
agency and subject to the Fair Credit Reporting Act. Chexsystems must investigate any dispute you
submit just like the major credit bureaus are required to do.
Chexsystems has thirty (30) days to investigate a disputed item or items. If the disputed item is not
verified by the reporting bank, financial institution or credit union, the item must be deleted from
your report. The FRCA Rules require Chexsystems to report information that is 100% accurate.
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