Chexsystems Information

How to dispute information in Chexsystems

how to dispute ChexSystemsChexsystems is a consumer reporting agency just like Experian, Transunion and Equifax. This means consumers have the right to dispute any information contained in a ChexSystems Consumer Report.

ChexSystems is subject to the Fair Credit Reporting Act and must investigate any dispute you submit.

They have 30 days to investigate consumer disputes. If the disputed item is not verified by the reporting bank, financial institution or credit union, it must be deleted from your ChexSystems Consumer Report.

You will need your Chexsystems Report in order to initiate disputes and at the end of this article you can find out how to order your Chexsystems Report.

The Dispute Process

Chexsystems has 30 days from the date your dispute is received to conduct an investigation. If you obtained your Chexsystems report by requesting it from t he FACTA Free Annual Report Annual the law extends the dispute response period to 45 days.

Dispute by U.S. Mail

When disputing information in your Chexsystems it is better to write a dispute letter 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 about you as possible including your employer and all the banks where you have accounts for the past 5 years.

(MORE: Banks that offer Second Chance Checking Accounts)

NEVER give Chexsystems more 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 Re porting Act the only information needed to confirm identity is your name, current address, date of birth, Social Security number; and, the bank name and account number in dispute. Do not give them a history of your banks accounts for the past 5 years.

Verified Disputes

Once your dispute request is received Chexsystems must confirm they contacted someone at the financial institution to verify the information in dispute. Verified information remains in your file for up to 5 years. However, Chexsystems must explain how they verified the dispute.

The FCRA gives you the right to know 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 they must delete the item. You can confirm when ChexSystems received the dispute by checking the green 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 a deletion due to not responding in the time allotted by FCRA Rules.

Dispute with ChexSystems First

You should always dispute with Chexsystems before you take action with the bank. Once you dispute an item, Chexsystems has 30 days to complete the investigation. You might get lucky if the bank does not respond within the 30 day time frame and the dispute item is deleted.

Also, by disputing with Chexsystems first, you create a paper trail in case you need it down the line for legal action. Chexsystems can only report “accurate” information according to the FCRA.

Types of Inaccuracies to Dispute

Since FCRA Rules state you must “accurately” report all negative items, review your Chexsystems report for any inaccurate information you can use to get the item deleted.

  • Date the bank reported you to Chexsystems
  • Is the item being accurately reported to Chexsystems — Does your file list NSF activity, account abuse, fraud, overdrafts or negative balance.
  • Date the bank first notified you the account became negative. When did the bank close the account and report it to Chexsystems. This will help determine when the Statute of Limitations begins. Items can remain in Chexsystems up to 5 years.
  • Are you the primary account holder, if not, have you signed a signature card for this account. Request the original copies of your signature card. If Chexsystems cannot provide you with the proof they must delete the item.
  • Is Chexsystems reporting personal information such as a name, address and Social Security number accurately.

Any deviation from accurate reporting is a violation of the FCRA and the item must be removed. This also includes clerical errors. Look carefully at your report to find any errors to dispute.

If you are unsuccessful in getting an item removed after disputing with the Chexsystems you can attempt disputing directly with the bank. They are also held to the FCRA Rules when it comes to reporting negative information. And, if you are willing to settle, you should negotiate a pay for deletion. Get the agreement in writing before you send any settlement funds.

Bankruptcy Can Get You Removed

Consumers who have filed bankruptcy can request Chexsystems remove any records in ChexSystems. The bankruptcy does not have to be discharged in order to request removal from ChexSystems. Mail or fax ChexSystems a copy of your bankruptcy confirmation document and request they delete all negative items. Even if the negative items are fraud or account abuse, ChexSystems will remove them if you have filed bankruptcy.

Pay Small Balances and Get Removed

There may be only one item on your ChexSystems report and if this is the case, considering paying the bank directly and follow these steps:

  • Pay the amount in full
  • Get a proof of payment such as a receipt
  • Complete a ChexSystems dispute form or mail a dispute letter
  • Dispute on the factual basis of inaccurate reporting and no evidence of debt owed and
  • demand a full deletion

Because the FCRA requires only accurate information be reported in consumer reports, once ChexSystems contacts the bank to verify accuracy of the outstanding debt, the bank will be unable to confirm the debt is unpaid.

ChexSystems will have to delete the item because the bank will be unable to provide verification or proof the item is unpaid. Your goal is a deletion, not to have the item updated as “Paid.” Without a full deletion, a paid item is still considered negative.

You want to challenge the accuracy of information reported in ChexSystems; and, once an item is paid directly to the bank, ChexSystems reporting that item is considered inaccurate.

Challenge Fraud Notations

Fraud notations in ChexSystems are very common but also very ambiguous. What type of fraud was committed by the customer, if any. Fraud seems to be a “blanket” notation used by financial institutions so they will not have to detail why a consumer was reported to ChexSystems.

A fraud notation is very serious but can be the easiest to dispute. Dispute the fraud notation and if ChexSystems verifies the notation as accurate, request specific documentation of the alleged fraud. More than likely, the bank will be unable to provide any documentation proving you committed fraud due to the vagueness of this notation.

You may have deposited a check someone gave to you for repayment of a loan and that check bounced. Now the bank accuses you of fraud. How is it determined you intended to fraud the bank when you deposited the check? Banks can rarely prove you purposely intended to commit fraud.

Take Legal Action

Hopefully you will not have to resort to legal action. However, if all efforts to successfully dispute an item have failed this may be the only course of action. Make sure you have created a good paper trail, with copies of all your letters along with the certified return receipts. Your legal action should include proof that you properly notified ChexSystems of the error and they did not correct make a correction.

Another way to clear your Chexsystems report is to make a plea directly to the bank for removal. Many consumers have been successful by just asking. This method works best if you pay or offer to pay the amount in question when requesting removal.

You should be able to show how their failure to correct the error has harmed you in that you are unable to open a checking account and subject to using expensive alternative financial services.

Once a small claims lawsuit is filed you will more than likely get the outcome you are looking for without even going to court. Lawsuits are costly and Chexsystems does not make money by hiring an attorney to litigate. They will probably try to settle and remove the item from your ChexSystems report. Familiarize yourself with FCRA Rules. Each violation of the FCRA is worth $1,000.

Contact Chexsystems

Attn: Customer Relations
7805 Hudson Road
Woodbury MN 55125-1403

Order Chexsystems Report

A Chexsystems Report can be ordered online at Chexsystems Consumer Assistance or you can call Chexsystems at (800)513-7125. When ordering a Chexsystems Report only disclose basic information such as name, address, Social Security number and date of birth. You do not have to disclose your current employer or bank account in order to obtain your Chexsystems Report.

Get a Free Chexsystems Report

The Fair and Accurate Credit Transaction Act (FACTA) entitles you to a free Chexsystems report once every 12 months. Go to Chexsystems Consumer Assistance to order your report.



  1. doug donato demartini

    March 27, 2017 at 3:45 am

    Another quick question, how do you delete inquires off your ChexSystems report? I’ve been turned down for bank accounts because I have 12 inquires reported.

    • Lisa Phillips

      March 28, 2017 at 10:57 pm

      Unfortunately, you cannot do much about ChexSystems Inquiries that are accurate. If you legitimately applied to a bank that uses ChexSystems then the inquiries are accurate. Even if you have or had a bank account and that bank runs a ChexSystems report, that is considered accurate because once you open an account the bank has permission to pull your ChexSystems report at any time. Inquiries can remain for up to 3 years. However, if the inquiries are a result of you NOT applying for a bank account, that is considered fraud and you may be able to get the inquiries deleted.

      • doug donato demartini

        March 29, 2017 at 11:03 pm

        First of all thank you so much for your website, all the knowledge you have given away is a blessing. You’ve already helped me raise my credit score and got some charge off accounts removed from errors on there that other companies told me to not bother with but it was hurting my credit utilization.

        I will go ahead and write a goodwill letter and work on getting it removed.

        What if the inquires are from banks I’ve never had a bank account at and I don’t remember applying for these banks, is it wise to dispute these as fraud or leave alone? I recently just had a business account closed at my local Credit Union because they pulled my ChexSystems and seen I had a charge off account on there I haven’t paid back and they said I have more than 5 inquires and its “suspicious” so they cant do business with me anymore.

        A lot of the inquires are on there from over two years ago. The ChexSystems website says they can be removed anywhere from 90 days up to 3 years from your report. Do they automatically fall off or do you have to fight to remove them?

        • Lisa Phillips

          March 30, 2017 at 2:18 pm

          Thank you so much for the correction of how long ChexSystems Inquiries remain on reports. I was mistaken when I stated it was 2 years. ChexSystems inquiries initiated by the consumer can remain up to 3 years. If you did not initiate an inquiry, then you have the right to dispute that error. You can dispute directly with ChexSystems or directly with the bank that initiated the inquiry. Just don’t do both at the same time.

          I would start with ChexSystems by simply disputing the inquiries as “No Permissible Purpose” if you did not authorize the banks to run your ChexSystems report. Even if some of the inquiries are from banks where you had accounts. It may be implied that a bank can run a ChexSystems report at any time, but you still DID NOT give your permission for them to do so. Also dispute any duplicate inquiries and request they be deleted too. Dispute with ChexSystems first, if you get the desired result, you’re done.

          Some banks and credit unions have a policy of denying customers who have 5 or more ChexSystems inquiries on their report within a two-year period. Either opening or attempting to open multiple bank account sends up a red flag that something problematic may be occurring. Even though it could be something simple like pursuing bank bonus sign-ups.

          The only way I see getting around that is to find a bank that does not use ChexSystems. Or, you may want to consider incorporating your business, that way you may be able to do business with a bank that only uses the corporation’s EIN (Employer Identification No.) to screen new accounts. The best of luck to you!

  2. doug donato demartini

    March 27, 2017 at 12:28 am

    Is there anything you can do when the item is listed as “Paid in Full” and the bank won’t delete the negative report, even though I cant get a bank account from it and the item is paid in full 3 years ago. I did a dispute on Chexsystems and they denied my dispute as well.

    • Lisa Phillips

      March 28, 2017 at 10:56 pm

      A bank that uses ChexSystems is under no obligation to remove a “Paid” entry on ChexSystems before the 5-year reporting time period. Unless the information contains an error, it’s going to be difficult to get the account deleted from ChexSystems prior to the 5-year reporting time period. You might want to attempt a goodwill letter to someone in charge like a VP or CEO, asking for deletion of the paid account. It’s not a dispute letter, it’s a letter politely requesting the bank to delete a paid ChexSystems entry. Sometimes it works but keep in mind you may have to send more than one “goodwill letter” to get the desired result. If one person says no, try another person. Explain the reason for the mishap, provide supporting documentation (if appropriate), let them know you have learned how to better handle your finances and that you need a bank account to properly conduct your finances.

      If you need a bank account it is best to look for a bank or credit union that does not use ChexSystems to open accounts.

  3. clarence ralph jackson

    April 25, 2014 at 10:08 am

    us bank said you are reporting me that they called the us bank fraud department the fraud department said that I should not be block from opening an checking us bank had reporter tina willmont and that I was only an assignee on the account I did nothing wrong

    • Lisa Phillips

      April 25, 2014 at 12:09 pm

      This website is not ChexSystems. You will need to contact ChexSystems directly at: I do suggest you dispute the notation of fraud on your ChexSystems report because it will block you from getting a new account almost anywhere. ChexSystems has 30 days to either verify your dispute as accurate or delete the notation. It would help if you had proof from US Bank regarding your status as an assignee only on the account.

      But let me also tell you if ChexSystems does not delete the notation on your ChexSystems report make a complaint to the Office of the Comptroller of the Currency (OCC) about US Bank. Explain the issue about US Bank because US Bank is the one who reported you in the first place to ChexSystems. Banks do not like when complaints are made to the OCC. If you have documentation or can support your complaint with facts the OCC may be able to help. Consumers filing complaints with the OCC have been pleasantly surprised at how quickly problems are resolved. US Bank is the one who can tell ChexSystems to delete your negative record. Make a complaint against US Bank for reporting you to ChexSystems. OCC Complaints

Leave a Reply

Your email address will not be published. Required fields are marked *

Advertiser Disclosure: has financial relationships with some companies mentioned on this site, and may be compensated if consumers choose to apply for or purchase products via links in our content. However, whether or not we are compensated does not determine which products we mention or result in preferential treatment in our editorial pieces.

Copyright © 2017 Rebuild Credit Scores

To Top