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Follow up letter 2: If your dispute was verified yet inaccurateInform ChexSystems that you wish to have a description of the procedure used to determine that the information they sent you was valid. Request a listing of the names, addresses and telephone numbers of the people they contacted at the listing bank.If identify fraud is involved, file a police report. Contact the listing bank and forward a copy of the police report.I was informed that mentioning to any credit bureau that you are aware of Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995) may help. You will want to request that they respond to your letter in 30 days (may vary by state).If your letter has been responded to in 30 days and was verified accurate.If you legitimately owe the money, pay it. Some banks will accept people for checking accounts once the debt listed on ChexSystems has been resolved. If the debt is resolved and you still can’t get a checking account you could try a small claims action for the costs of cashing checks and buying money orders. No promises! Ask an attorney or legal aid society in your state about the specifics in your case before you do!If your letter has not been responded to within 30 daysCheckout the FTC website for specific information on non complying credit bureaus. Federal Trade Commission HomeOnce ChexSystems has removed the negative listing (s)As soon as you receive a notice from ChexSystems that your account has been cleared open several checking accounts. It is possible that ChexSystems, OR ANY OTHER CREDIT BUREAU, will allow a disputed claim to creep back on to your report. You will want to have a checking account opened by then. Some banks check chexsystems or review new checking accounts with ChexSystems within the first 30 days of an account being opened. You would not want to take the chance of your new bank account being closedIf the date of a listing from a credit agency is incorrect The FTC won a Civil Penalty against a collection agency for violation of the FCRA. Include a copy of this article in your letter to the agency. NCO Group to Pay Largest FCRA Civil Penalty to Date |