Whenever we are talking about chexsystems banks, we might also want to know if there is a way to get out of the chexsystems list.Or in another words, an alternative way of chexsystems removal which is through a chexsystems dispute letter.A dispute letter is one effective way to get out of the chexsystems.If you already got your chexsystems consumer report, look at it carefully.Find if there is any errors.If there is any errors, you have a bright chance to get out of the chexsystems.
You can actually send a dispute letter to chexsystems and ask them to remove the errors.By removing the errors,chexsystems clean the report and you might be able to clean up your name too.You then can get a any checking account bank you desire.
Ok, if you are wondering how to write a chexsystems dispute letter, here’s some favor.Here’s the sample. If you have questions, add a comment below and we’ll try to help.
Sent Via Fax to 602-659-2197
Date: ———
Chex Systems, Inc.
Attn: Consumer Relations
7805 Hudson Road, Suite 100
Woodbury, MN 55125 RE: Request for Reinvestigation for John Doe Consumer ID: xxxxxx
Dear Sirs/Madam:
I recently received a copy of my ChexSystems Consumer Report from you. The date of the report I received is _______. I have carefully reviewed the report, and discovered one or more errors in the report.
This is a request that you investigate the following items that appear on my ChexSystems Consumer Report, and take appropriate steps to correct the errors:
[X] The following personal information about me is incorrect:
Erroneous Information Address is shown as: 55 Oak St, York, PA 02333 Phone is shown as: (434)234-2323
Correct Information My correct address is: 123 Main Ave., York, PA 02333 My correct phone is: (434)883-8372
[X ] The following “Reported Information” item(s) are inaccurate:
Source of Information: Jonestown Bank Erroneous Information: Account # 2342343 This information is inaccurate. I never have had a bank account with Jonestown Bank.
Source of Information: First Bank of PA Erroneous Information: Unpaid debt of $193 This information is inaccurate. Although I did have a balance due with First Bank of PA, I paid the debt on 1/1/2007. I am attaching a copy of my check dated 1/1/2007 for $193. Please mark the debt as paid in full or remove the item.
[X] The following inquiries are more than three years old and should be removed:
Inquirer’s Name First Bank of USO Second Bank Date of Inquiry 1/1/2004 10/1/2004
[X] The following inquiries were not authorized: Inquirer’s Name “Sample Bank”
Date of Inquiry: 5/1/2007
Explanation: I never applied for an account at “Sample Bank”
[X] The following information is over 5 years old, and should be removed from my report:
Source of Information: Second USA Bank
[X] Other incorrect information:
My ChexSystems Consumer Report indicates that I ordered checks on 7/1/2007. This is incorrect. I did not have a checking account at that time, and have not ordered any checks recently. The accuracy and completeness of the information contained in my ChexSystems Consumer Report is extremely important to me. Each of the items noted above is either inaccurate or incomplete, and I understand that you will carefully check each item specified above. I also understand that you will confirm the accuracy or completeness of the information above with the entity that reported the information to ChexSystems.
I expect that ChexSystems will remove any information that the reporting entity(s) cannot verify and will modify any information that is incorrect or incomplete. I further understand that under 15 U.S.C. Section 1681i(a), you must complete your reinvestigation within 30 days of receipt of this letter. Thank you for your prompt and diligent attention to this matter.
Sincerely, ________________________________________
/John Doe /
John Doe
123 Main Ave.,
York, PA 02333
(434)883-8372
SSN: 555-55-5555
DOB: 01/12/1958
Enclosures: -Copy of Check Dated 1/1/2007
