Fidelity National Information Services, Inc. (FNIS) CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	OR 97211	Web
In this communication to CFPB i will be addressing an ongoing dispute with chexsytems regarding the detention of an item furnished on my consumer report. please see the uploaded attchments XXXX XXXX XXXX XXXX and use in tandem with this submission. My issue was regarding Information that hasnt fully been Deleted as Requested. This is my Consumer ID XXXX on chexsystems for XXXX XXXX XXXX. I am the Authorized Representative of XXXX XXXX XXXX, I am the beneficiary and secured party ; XXXX XXXX ; XXXX The initial dispute and process started when i mailed a physical letter in writing dated XX/XX/XXXX of XXXX, pertaining to request of deletion of a item on my Consumer report in their system listed under " Reported Information '' which states : " ChexSystems ' clients, which consist mainly of financial institutions, furnish information on closed checking and savings accounts, referred to as reported information. ChexSystems current practice is to retain reported information for a period of five years. ( This is important, i will be referring back to this later as i believe and have evidence that they in fact lied about an statement claiming they did something that they in fact didnt. ) The source is under no obligation to remove accurate information, even if paid, but is obligated to update the report with a paid in full or settled in full status and date when applicable. They then gave the source of info and additional details, this is what they said below : Source of Information : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX Phone Number : XXXX Reported For : TRANSACTIONS INVOLVING POSSIBLY STOLEN ITEMS OR CHECKS ; Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX, OR XXXX Reported SSN/ID : XXXX Date of Closure : XX/XX/XXXX XXXX/ACCT # : XXXX / XXXX Orlginal Charge Off Amount : {$3900.00} Closure Status : UNPAID Closure Status Date : XX/XX/XXXX _________________________________________ So I wrote them a physical letter and below is what I said it is a copy of The Writing i physically mailed to chexsystems on the XXXX of XX/XX/XXXX and the address I sent it to, is on their website and its listed on each and every communication in writing i've received from them. here it is below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ChexSystems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Consumer ID # XXXX To Whom It May Concern : It has been brought to my attention that XXXX XXXX XXXX XXXX XXXX has listed a Charge Off on my ChexSystems file, dated XX/XX/XXXX To my knowledge, I have never had { negative listing ] with XXXX XXXX XXXX XXXX XXXX I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from XXXX XXXX XXXX XXXX including copies of any documentation associated with this a Charge Off which bear my signature. In the absence of such documentation, I request that this Charge Off be permanently removed from my ChexSystems report. For your records, my contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OR ( i will include a XXXX in the attachment upload of this letter ) I received a response in the mail in writing physically Dated XX/XX/XXXX that came on XX/XX/XXXX, ill attach pictures of these but i will summarize what was said, they stated verbatim : " This letter pertains to communication that CHEX Systems, Inc. ( CHEXSYSTEMS ) has received about information contained in our files. Chexsystems is a nationwide specialty consumer reporting agency under the Federal Fair Credit Reporting Act ( FCRA ). '' which is Title 15 1681 U.S.C they also stated the following : " ChexSystems has initiated a review of the consumer file relative to your communication and will mail additional correspondence to you when the review is complete '' last statement Id like to mention before my next point is they said : " If you have disputed information, under normal circumstances, a reinvestigation will be completed within approximately 30 days ( 21 days for residents of Maine ). The procedure that is used to determine accuracy of disputed information is as follows : ChexSystems will review and consider all relevant information. ChexSystems will provide notification of the dispute to the source and request that they reinvestigate the accuracy and completeness of the disputed information. The source will report the results of the reinvestigation to ChexSystems. ( i will include a XXXX in the attachment upload of this letter ) which they did not in fact communicate any results as to the Verification from The Financial institution XXXX XXXX XXXX XXXX XXXX. which is a violation of Title 15 USC 1681, also known as The FCRA and this violation will be listed in the section pertaining to damages and remedy. They said they'd mail in 30 days. 30 business days would have meant the deadline would have been XX/XX/XXXX of XXXX, counting XX/XX/XXXX as the first day after the letter they addressed on the XXXX. I received no further communications from chex systems and I then requested and received a new consumer report online on XX/XX/XXXX to see if the information was still listed and it was removed as requested, SO I THOUGHT. I have been waiting and learning how to dispute this issue since it started at the creditor and I haven't been able to open a checking account with XXXX XXXX XXXX XXXX So finally thinking I can go apply and receive membership for a Personal checking account, I go apply to an credit union in XXXX Oregon, called XXXX XXXX XXXX on XX/XX/XXXX, and I couldn't open an account unfortunately because the information is still in chexsystems files. When it should of been removed by law as of request from me the consumer pursuant to Title 15, 1681 ( this will be covered in damages and remedy. ) When I submitted the initial dispute for reported information pertaining to XXXX XXXX XXXX XXXX, I also submitted a request for deletion for EVERY Inquiry listed on my public chex systems report. I only then received correspondences dated XX/XX/XXXX stipulating an inquiry by XXXX XXXX XXXX which wasn't deleted and had incorrect info that don't identify me so it needs to be deleted permanently pursuant to ( ), and they stipulated Dear XXXX XXXX XXXX, This letter pertains to communication that ChexSystems , Inc. ( ChexSystems ) has received about information contained in our files. ChexSystems is a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act ( FCRA ). What you need to know : The reinvestigation of the following disputed information is complete. If other information was disputed, you will receive additional written notification from ChexSystems of those results. ( i will include a XXXX in the attachment upload of this letter ) They also supplied a consumer report with any and all reported information and or inquiries and onpoint was still listed on Reported information. Then i also received another letter on XX/XX/XXXX stipulating XXXX inquiries by XXXX XXXX which wasn't deleted, it needs to be deleted permanently pursuant to ( ), and they stipulated Dear XXXX XXXX XXXX, This letter pertains to communication that ChexSystems , Inc. ( ChexSystems ) has received about information contained in our files. ChexSystems is a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act ( FCRA ). What you need to know : The reinvestigation of the following disputed information is complete. If other information was disputed, you will receive additional written notification from ChexSystems of those results. ( i will include a XXXX in the attachment upload of this letter ) They also supplied a consumer report with any and all reported information and or inquiries and onpoint was still listed on Reported information. So at this point i waited and waited for more correspondences and have received none that were requested initially in XXXX. So outside of waiting i did more research and studying to understand my rights as a consumer and understanding the law that CRAS are obligated to follow. So i will have a list at the end of all the violations pursuant to FCRA Title 15 1681 that i am liable to receive on behalf of chexsystems negligence and damages that they have caused. But as of current wrote a letter to chexsystems again on XX/XX/XXXX, but this time requesting permanent Deletion and valid validation of the debt and to include copies of any account statements. Here is my letter i sent verbatim below : ChexSystems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Consumer ID # XXXX To whom it may concern : It has been brought to my Attention that XXXX XXXX XXXX XXXX, is STILL listing a charge off on my ChexSystems File, dated XX/XX/XXXX I Last wrote a communication on XX/XX/XXXX of XXXX, this year. Requesting it be removed, and for a time it was REMOVED but now i am requesting for it to be PERMENATELY DELETED! i am requesting for full validation once more of this so called debt as my right underneath the Fair Credit Reporting Act / F.C.R.A, U.S.C 1681 Specifically, I am requesting full validation from XXXX XXXX XXXX XXXX including copies of any documentation associated with this charge off which bear my wet ink signature In the absence of such documentation, I request that this charge off be permanently DELETED from my chex systems report. These XXXX things needed for Validation to prove this debt to be lawful : Validation of debt Verification of the claim against me A copy of the contract binding both parties Full disclosure Equal consideration Lawful terms conditions Wet ink signatures of both parties Moving forward all communication regarding debt will be in writing to the provided address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR, [ XXXX ] REDACTED SSN : XXXX ( i will include a XXXX in the attachment upload of this letter ) They responded in a letter on XX/XX/XXXX They did not provide any documentation that actually stipulates or would oblige me to pay this debt, i have no contract or agreement with a signature stipulating i agree to pay any debt, i haven't submitted any form of payment which would signify my obvious agreement to pay, they only supplied statements from XXXX XXXX XXXX XXXX XXXX that were my account statements reflecting the charge off, and i recently got statements from onpoint of same ones and the one they provided looks altered and fraudulent and even if it was authentic account statements are not sufficient pursuant to FCRA title 15 1681 and pursuant to FDCPA title 15 1692. But wait. Theres more! They said the following on the correspondence verbatim : Results of the reinvestigation were : ChexSystems communicated the results of this reinvestigation to you in a letter that stated we removed this information from our files. Information was removed either due to the results of the reinvestigation or because the retention period of the disputed items ) expired! The source has since provided additional details that certify the accuracy and completeness of the previously deleted information, and ChexSystems has reinserted it into the consumer file. Enclosed is the copy of account statement for your reference. Enclosed is a copy of the consumer disclosure report, which was created by using the identifiers provided to us. Now why is this important! : In line one they CLAIMED that they communicated the results in a letter, all the communications they have sent i have and none addressed or stated they removed ANYTHING. NO information i have disputed has been removed. NONE. so that is a bold face LIE. they dont send any of their letters in certified mail nor do they send it in registered mail to have tracking to know if it was received i believe they do this as a means to be able to pick and choose when they want to respond or just say they did when its time to cover their XXXX. But lets say they did send me a letter they have no way to verify or know i received it on their end, so sent receipt or anything, but even if they did they should have a identification number on the left side of each page in a letter and this same number is listed on the bottom. So if they ever made this letter they can bring it up on their end or records assuming they keep copy of their records they send out like any responsible company would. So lets say they do find said letter and provide it to you the CFPB if they havent provided sufficient documentation that would lawfully and legally oblige me to pay any debt on behalf of credit union than they have to delete. Account statements are not sufficient to oblige debt but they can be submitted as an additional detail but all an account statement signifies is that a credit amount on their books took place and they want me to pay the negative balance but cant provide any document with my wet ink signature agreeing to pay said debt, so if the CREDITOR cant provide thios my right as a consumer i can have the information deleted at my discrepancy if i so choose based on federal law not any policy or statement from chex sytems claiming The source is under no obligation to remove accurate information, even if paid, but is obligated to update the report with a paid in full or settled in full status and date when applicable. Via the correspondence from XX/XX/XXXX Both chexSystens and onpoint community credit union are obligated to follow federal law. Unless they are admitting to breaking federal law and blatantly governing them selves and participating in bad Credit reporting agency practices that would result in consumer liable remedy and further consequences. In line two, it says Information was removed either due to the results of the reinvestigation OR because the retention period of the disputed items ) expired! Which is interesting. I said I'd touch on this earlier on in the letter because they also said their current practice is to hold information for a retention period for up to five years. The information was furnished in XX/XX/XXXX of XXXX, it is currently XX/XX/XXXX of XXXX, it has not been five years so that WASN'T the reason which means that if they removed it like THEY SAID THEY DID, that means it was due to the results of the reinvestigation. WHICH MEANS they did not find any information or documentation obliging me to pay the debt, no information or documentation to validate the debt WHICH MEANS they would of then removed the information as they should by law. Which means they wouldn't have been in violation of Title 15 1681 USC. but they go to say in line three The source has since provided additional details ( they only provided account statements but not the obliging documentation would actually validate the debt. ) that certify the accuracy and completeness ( the response did not include a complete response ) of the PREVIOUSLY DELETED INFORMATION, and ChexSystems has REINSERTED it into the consumer file. THIS IS SO DISRESPECTFUL, this is so unprofessional that a CRA would blatantly lied because to my records i have continuously seen chex systems listed and they claim they are just now reinserting it into my file when that is not the case. Moving on to the end of this letter i will now be going over all the specific violations and tallying up the amount i am due as well as what i want in remedy outside of the invoice for damages and violations from addressing this whole ongoing dispute with chexsystems. I will also have definitions according to law. To help clarify the accuracy of said federal law applied to this dispute. DAMAGES AND REMEDY : I want remedy for civil liability for the damages received XXXX $ per damage and or VIolation and all information and files fully Permanently DELETED as requested, not XXXX XXXX removed. DEFINITIONS PURSUANT TO TITLE 15 U.S. CODE 1681a Defiitions ; rules of construction verbatim https : XXXX ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for 1681 A3 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 1681 A3 ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 1681 A3 ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. The following damages are : 1. ) denied an account being opened affecting personal finance and functionality 2. ) Hard Inquiries that is in vain via : 1. ) XXXX The following Violations are : 1681 a4 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( x XXXX XXXX XXXX XXXX XXXX XXXXThe term XXXX XXXX XXXX XXXX XXXX means a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis relating to ( 1 ) medical records or payments ; ( 2 ) residential or tenant history ; ( 3 ) check writing history ; ( 4 ) employment history; or ( 5 ) insurance claims. ( n ) State. The term State means any State, the Commonwealth of Puerto Rico, the District of Columbia, and any territory or possession of the United States. ( p ) Consumer Reporting Agency That Compiles and Maintains Files on Consumers on a Nationwide Basis.The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide VIOLATIONS : Violation #. ) XXXX $ 1681A ( 2 ) ( A ) ( iii ) ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; Explanation : MY Personal information with XXXX XXXX XXXX XXXX XXXX XXXX was shared to CHEXSYSTEMS A XXXX XXXX XXXX XXXX XXXX and WAS NOT DISCLOSED CONSPICOUSLY or CLEAR in any fashion to me the CONSUMER at any point and especially and specifically was not disclosed BEFORE the information was not only given without correspondence by XXXX XXXX XXXX XXXX THE CREDITOR, and was Furnished and added to my consumer report held by CHEXSYSTEMS THE NATIONWIDE SPECIALTY CONSUMER REPORTING AGENCY. They have Violated this clause of the FCRA pursuant to TITLE 15 U.S. CODE 1681A ( 2 ) ( A ) ( iii ) Violation #. ) XXXX $ Adverse Action ; Multiple accounts total 4 : 1681a ( C ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title; or ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer I received adverse action due to this from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, which all the inquiries are present on these chexsystems consumer reports. ______________________________________________________ REMEDY : THESE VIOLATIONS AND DAMAGES FOR WILLFUL NONCOMPLIANCE UNDER TITLE 15 UNITED STATES CODE FAIR CREDIT REPORTING ACT SECTION 1681N1 ( a ) ( b ) TOTAL INVOICE DUE : XXXX $ in Federal reserve notes in the form of a check payable to the order of XXXX XXXX Or direct deposit to the following acounting and routing number : Account number : XXXX Routing number : XXXX And I Want The information listed i have been requesting removed permeneatly removed. And moving forward ChexSystems is not Authorized to hold a profile or ANY personal information for me as a consumer for as long as chexsystems and or any subsidiary owned by chexsystems or shareholders is not PERMITTED moving forward. Also, THIS IS ME GIVING NOTICE, I own all rights and derivatives of XXXX XXXX XXXX and i am the AUthorized Representative and BENEFICIARY of said alias/person/corporation. Any uses of ANY DERIVATIVE of this name UPPPER CASE, ALL LOWER CASE, Upper Lower and all derivatives of initials and full name spelling. So moving forward any information listed with any names will be willful noncompliance of this copyright notice and will be billed for the invoice non negotiable. I will send additional information via mail as to FEES for said WILLFUL NONCOMPLIANCE. This notice is just to have the REAL BUREAU the CFPB as a third party witness. The notice that will be mailed will also have a two third party witnesss. This is separate from the case of WILLFUL NONCOMPLIANCE listed therein this complaint submitted to the CFPB as of XX/XX/XXXX. REMEDY IS ABSOLUTE. Im tired of playing these fraudulent Consumer Reporting games with Chexsystems and i wont stand for any further damages or violations of federal law to me the consumer, authorized representative and beneficiary. Please put chexsystems in its rightful and LAWFUL place, thank you in advance. By : XXXX XXXX XXXX authorized representative and beneficiary, Without recourse, UCC 1-308 XX/XX/XXXX XXXX
12/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11234	Web
Per Cfr 1022.41 and 15 USC 1681 Permissible purposes XXXX XXXX XXXXXXXX {$910.00} is reporting incorrect across all XXXX credit reporting agencies XXXX, XXXX, XXXX.Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any XXXX XXXX XXXX XXXX companies are reporting Utilization which is wrong. A closed account and charged off account can not report any past due Balances. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the Irs Publication. The credit reporting agencies are not to report income on my credit report. Every month XXXX XXXX XXXXXXXX is reporting C/O charge off on my credit report and that is illegal you can't charge off a debt every month it is re-aging the debt making it look newer than what it is and manipulating the the system. XXXX XXXX XXXXXXXX has violated my privacy numerous of times by selling my information multiples times to XXXX party without my consent. XXXX XXXX XXXX XXXX XXXX, ChexSystems XXXX and XXXX XXXX XXXX XXXX XXXX. are the XXXX companies Bank XXXX XXXX has sold my personal information to such as my address, social security number, birthday and name and they are lying about it. XXXX XXXX XXXX is in violation of my privacy rights Per the Privacy Act of XXXX Also said that under 5 USC 552A your XXXX is not suppose to be given out to anyone. XXXX XXXX XXXXXXXX They also sharing information with another XXXX XXXX XXXX XXXX which is in violation of my 16 CFR 313.7 Opt-Out notice. XXXX XXXX XXXX violated my rights as well under 15 USC 6802-6805 They are suppose to send me a opt-out letter every XXXX days. I Have the right to opt-out of anything on credit report. Here is a list of laws that XXXX XXXX XXXXXXXX is abusing and violating me as well as all XXXX credit reporting agencies XXXX, XXXX and XXXX. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. c ) Furnisher means an entity that furnishes information relating to consumers to XXXX or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : The Privacy Act of XXXX is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in XXXX primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. ( b ) CONDITIONS OF DISCLOSURE.No agency shall disclose any record which is contained in a system of records by any means of communica- tion to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under sub- section ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agen- cy with advance adequate written assurance that the record will be used solely as a statis- tical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ACCOUNTING OF CERTAIN DISCLOSURES. Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under sub- sections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to an- other agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under para- graph ( 1 ) of this subsection for at least XXXX years or the life of the record, whichever is longer, after the disclosure for which the ac- counting is made ; ( 3 ) except for disclosures made under sub- section ( b ) ( 7 ) of this section, make the ac- counting made under paragraph ( 1 ) of this sub- section available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been dis- closed to the person or agency if an account- ing of the disclosure was made. ( n ) MAILING LISTS.An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to re- quire the withholding of names and addresses otherwise permitted to be made public. 31 CFR 29.518 - Reporting delinquent debts to credit bureaus. e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau. 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. ( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from afinancial institution nonpublic personal information under this section shall not, directly or through anaffiliate of such receiving third party, disclose such information to any other person that is anonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 15 U.S. Code 6805 Enforcement ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries oraffiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. 15 usc 1681m ( 1 ) In general No person shall sell, transfer for consider- ation, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. ( b ) Direct dispute means a dispute submitted directly to a furnisher ( including a furnisher that is a debt collector ) by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer. ( c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( e ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher ( b ) Definitions. The following definitions apply to this exemption : 16 CFR 313.1 ( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source. ( m ) ( 1 ) Nonaffiliated third party means any person except : ( i ) Your affiliate; or ( ii ) A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third partyincludes the other company that jointly employs the person ). ( 2 ) Nonaffiliated third party includes any company that is an affiliate by virtue of your or your affiliate 's direct or indirect ownership or control of the company in conducting merchant banking or investment banking activities of the type described in section 4 ( k ) ( 4 ) ( H ) or insurance company investment activities of the type described in section 4 ( k ) ( 4 ) ( I ) of the Bank Holding Company Act ( 12 U.S.C. 1843 ( k ) ( 4 ) ( H ) and ( I ) ). ( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available. Subpart A - Privacy and Opt Out Notices 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. ( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
03/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90504	Web
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT 1. This Affidavit of Truth is made pursuant to Fair Credit Reporting Act as codified at 15 U.S. Code 1681 which stipulates that a consumer reporting agency must, if requested, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. a ) appropriate proof of the identity of the consumer ; b ) a copy of an identity theft report ; c ) the identification of such information by the consumer ; and d ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 2. ) I, a consumer in fact, agree with The Congress Pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) which concluded that the banking system is dependent upon FAIR and ACCURATE credit reporting. Unfair credit reporting methods undermine the confidence of the public, which is essential to the functioning of our banking system. However, you have acted unfair by reporting unverified and inaccurate information without investigating me about the alleged transactions, and only taking one side of the story. That doesnt sound fair. 3. ) I, a consumer in fact, agree with The Congress that youre nothing but an elaborate mechanism, developed to discriminate against me, based on the evaluation of my credit worthiness, character, and reputation Pursuant to 15 U.S. Code 1681 ( a ) ( 2 ). Congress is letting me know here that you truly are NOBODY. 4. ) Take Notice that Pursuant to 15 U.S. Code 1681 ( a ) ( 3 ), you have only assumed this vital role to evaluate my consumer report, without having any real authority or consent by the consumer to do so ; 5. ) Pursuant to 15 U.S. Code 1681 ( a ) ( 4 ), you have failed to exercise your grave responsibilities with fairness, impartiality, and a respect for my consumer right to privacy ; 6. ) Pursuant to 15 U.S. Code 1681 ( b ) consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce. Accuracy is about equity and must be equitable to the consumer. Must be fair on both sides, but you werent acting fair when in your initial investigation, you failed to contact me to ask about the alleged transactions, when I am the only individual with actual first-hand knowledge, but only decided to take one side of the story. Pursuant to The Fair Debt Collections Practices Act, the following proofs of claim are requested : 1. ) Proof of claim : The Alleged Lenders involved in the alleged loans, did not purchase the promissory note from the consumer, hereinafter the Alleged Borrower. If not rebutted, this statement stands as truth 2. ) Proof of claim : The Alleged Borrowers may repay the alleged loan with the same species of money as may be on the loan per GAAP, ending all interest and liens. If not rebutted, this statement stands as truth. A. Proof of claim : The Alleged Lender converted the Alleged Borrowers promissory note, accepting the Alleged Borrowers promissory note as money or like money to fund a check or similar instrument that the Alleged Lender then lent to the Alleged Borrower ( which has an economic effect similar to stealing, counterfeiting, and swindling. ) If not rebutted, this statement stands as truth. B. Proof of claim : The Alleged Lender has failed to follow Federal Laws 12 U.S.C. 1831n ( a ) ( 2 ) ( A ) and/or 12 CFR 741.6 ( b ) regarding General Accepted Accounting Principles and Generally Accepted Auditing Standards concerning this loan. If not rebutted, this statement stands as truth. C. Proof of claim : The Alleged Borrower truly provided the money, transfer of funds money equivalent, credit, funds, capital, or thing of value, and they pursued to securitize it! If not rebutted, this statement stands as truth. Please provide me with the below mentioned items : * The amount you claim the Principal owes you. * IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. * Full accounting ledger. * All legal documents. * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount. * The identity of the original creditor. * Confirmation that the account has not crossed the statute of limitation ( SOL ) period. * Evidence that you are a licensed debt collector. * Evidence of your license numbers and your registered agent. FACTS ON THE MATTER : 1. Fact, I so invoke nunc pro tunc, Pursuant to 15 U.S.C. 1681a ( c ) declare that I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in Due course of any and all derivatives thereof for the surname/given name and have been appointed and accepted being the executor both public & private for all matter proceeding, and I hereby claim that I will autograph as the agent, attorney in fact, and I furthermore Demand that you correct your reporting. 2. Fact, Pursuant Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting, and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not be included in my consumer report, and in fact is a VIOLATION of my consumer right. 3. It is a Fact that Pursuant Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( III ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation. 4. It is a Fact that Pursuant Title 15 USC 1681a ( e ) - The production of an " investigative consumer report '' involves obtaining information about a consumer 's character, reputation, personal characteristics, or lifestyle through personal interviews with their neighbors, friends, associates, or others who may have knowledge of the consumer. This information is used to form a report that provides a comprehensive understanding of the consumer. 5. Fact, I the consumer, original creditor do so extend my open ended credit on file to eliminate any verified debt, all valid debt must be verified and documented on record by wet ink signature, so be it, and ; 6. Fact, that I by this notice and demand declare I have no verified evidence for certified mailings, and again for the record, I have absolutely no knowledge of the alleged debts listed on your website, company records, or any and all derivatives therefore, of, and/or with any affiliates or agencies acting as a real party or a third party interlopers, I again state I have no knowledge of this indirect, unverified, debt, so be it, and ; 7. Fact, I am an eyewitness to the information by allegations against my name being incorrect, and I demand the documented verification of any and all derivatives for an alleged debt for any such debts alleged to be mine the consumer in fact, so be it, and ; 8. I do not know any of the alleged creditors and debt collectors, so be it, and ; 9. I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds, so be it, and ; 10. Fact, I know that no valid direct verified contracts exist with me and another party by wet ink signature, I know that any attempt to collect a debt is actually alleged indirect action, please verify and document all verifications, accordingly, so be it, and ; 11. Fact, all allege contracts are completely fraudulent and the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud, so be it, and Demand that you stop sending me fraudulent bills and ; 12. Fact, my request to block information that is fraudulent, and a result of identity theft was not done in error. 13. Fact, my request to block information was not a material misrepresentation. 14. Fact, I never benefited or obtained goods, services, or money from the alleged transactions. 15. Fact, Pursuant to FCRA 605B & 15 USC 1681 c-2, when a block imposed by a consumer reporting agency is rescinded, any information present in the consumer 's file prior to the block can not be considered as proof of the consumer 's knowledge or expectation of obtaining goods, services, or money due to the block. 16. Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; 17. Fact, In order to ensure a thorough investigation is conducted, it is important to gather as much information as possible from a variety of sources. This includes obtaining full names and addresses of all individuals interviewed, as well as a detailed account of what was said during the interviews. Additionally, it is important to confirm the method used to verify the information obtained during the interviews, as this helps to ensure the accuracy and reliability of the information included in the report. 18. Fact, It is also important to note that the Fair Credit Reporting Act ( FCRA ) regulates the production of consumer reports, including investigative consumer reports. The FCRA sets strict guidelines for the information that can be included in a consumer report, as well as the methods used to obtain that information. Under the FCRA, companies producing consumer reports are required to conduct a reasonable investigation and to provide consumers with a copy of the report if requested. They must also provide the consumer with information about the sources of the information included in the report. 19. Fact, the production of an investigative consumer report requires a thorough investigation to ensure the accuracy and reliability of the information included in the report. The FCRA provides the legal framework for the production of consumer reports and helps to ensure that consumers are protected against the dissemination of inaccurate or incomplete information. 20. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any corporate affiliates like XXXX, XXXX or XXXX to ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, or I will be compelled to take legal steps against you for the below mentioned reasons ( Violation of the Fair Credit Reporting Act ( F.C.R.A. ) ; Violation of the F.D.C.P.A. ; Defamation of character ; Use of my copyrighted property ), so be it, and ; 21. Fact, I am not a debtor. 22. Fact, A copy of consumer contract is not sufficient evidence to validate a debt. ( Reference- Pacific Concrete F.C.U. v. Kauanoe 62 Haw. 334 614 P.2d 936 ( 1980 ) ). 23. Fact, natural person defined see 15 U.S.C. 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt., so be it, and ; 24. Fact, natural person defined see 15 U.S.C. 1692a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another, so be it, and ; 25. It is a fact that Credit is defined in 15 USC 1602 ( f ) as The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment ; 26. Fact, as an executive of a Private U.S. Estate any fractional notes, certificates of deposit, bills, checks, or drafts for money drawn or authorized by my signature as an authorized officer of the United States IS an obligation of the UNITED STATES to settle ; not mine! 27. Fact, that according to the congressional findings in 15 USC 1692 on Abusive Practices it states that There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy ; I believe that my privacy is being violated by your company, and ; 28. As of XX/XX/XXXX, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agencies, XXXX, XXXX, and XXXX, before first contacting the consumer ; XXXX. Fact, Actual damages are not capped at {$1000.00}. ( Reference- Smith V law offices of Mitchel N. kay , D. Del. 199112 RB.R.R.182 ) 30. Fact, If this affidavit is not rebutted point for point by a duly qualified representative of Consumer Reporting Agency at any level, in any manner, at any time within ( 5 ) five days upon receipt, these facts are proven and confirmed as true. I hereby Demand! That you BLOCK AND REMOVE the following accounts from my consumer file. Take further notice that your failure to follow these laws and meet my demands will result in holding your company civilly and criminally liable and invoking specified remedies under Title 15 including but not limited to FCRA violations, TILA violations, FDCPA violations, and I will seek reimbursement for all my damages. Any man or woman responding to this affidavit will answer in the manner of this affidavit, using your XXXX or family name for signature, and mailing it to the below named notary, address provided, within five ( 5 ) days, or default will be obtained. If more time is needed to respond to this request, it must be requested in writing within five ( 5 ) days of receipt. MAXIMS OF LAW 1. In Commerce- Truth is sovereign. 2. For a matter to be resolved, it must be expressed. 3. Point of Law : Silence equates to an agreement. Further Affiant sayeth not. TERMS DEFINED PURSUANT TO 15 U.S. CODE 1681a 1. The term consumer means an individual. 2. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility 3. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer when such information was obtained directly from a creditor of the consumer or from the consumer. 4. The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 5. The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. You have 4 business days from the receipt of this notice to block and remove all fraudulent items and remarks from my consumer file or I may seek damages Pursuant to 15 U.S. Code 1681m. Additionally, I DO NOT consent to any automated scan response or e- Oscar verification methods. CERTIFICATION I certify under penalty of perjury under the laws of the United States of America pursuant to 28 USC 1746 ( 1 ) that the foregoing is true and correct.
03/07/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL XXXXX	Web
EXCUSE THE CATAGORY CHOICE BUT THERES NO OPTION FOR ''CREDIT REPORTING FELONY FRAUD '' AND DEFAMATION OF CHARACTER '' I DONT UNDERSTAND HOW THESE CRIMINALS KEEP GETTING AWAY WITH THIER FRIVOLOUS REPORTS WITHOUT HAVING ANY PROOF OF ANY DEBT,,,,, ,AND NO PROOF OF ANY WRONG DOING,,,,,,,,, NO SWORN AFFIDAVIT THAT HAS BEEN NOTARIZED,,, ,BUT YET XXXX REMAINS IN BUSINESS OF EXTORTION, WHAT A XXXX PLACE THIS IS,,, CHEXSYSTEMS IS A RICO-EXTORTION RAQUET, THIER PARTNERS IN CRIME HAVE ABSOLUTELY NO EVIDENCE OF A DEBT OWED OR AN INJURED PARTY, I HAVE NEVER RECEIVED A REPORT ON ANYTHING THEYRE REPORTING ON, WHICH IS A MAJOR VIOLATION OF MY RIGHTS AND A VIOLATION OF FRCPA RULES, I AM IN NO WAY OBLIGATED TO GIVE XXXX MY BIRTHDAY OR SS NUMBER EITHER, CHEXSYSTEMS USES DEFORMATORY INFORMATION ON ME WITHOUT HAVING ABSOLUTELY NO PROOF OF A DEBT OR WRONG-DOING COMMITTED BY ME,, CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX BISNESS, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO ROUNDY ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE MISCREANTS.,,,,, Title XLVI CRIMES Chapter 817 FRAUDULENT PRACTICES View Entire Chapter 817.568Criminal use of personal identification information. ( 1 ) As used in this section, the term : ( a ) Access device means any card, plate, code, account number, electronic serial number, mobile identification number, personal identification number, or other telecommunications service, equipment, or instrument identifier, or other means of account access that can be used, alone or in conjunction with another access device, to obtain money, goods, services, or any other thing of value, or that can be used to initiate a transfer of funds, other than a transfer originated solely by paper instrument. ( b ) Authorization means empowerment, permission, or competence to act. ( c ) Harass means to engage in conduct directed at a specific person that is intended to cause substantial emotional distress to such person and serves no legitimate purpose. Harass does not mean to use personal identification information for accepted commercial purposes. The term does not include constitutionally protected conduct such as organized protests or the use of personal identification information for accepted commercial purposes. ( d ) Individual means a single human being and does not mean a firm, association of individuals , corporation, partnership, joint venture, sole proprietorship, or any other entity. ( e ) Person means a person as defined in s. 1.01 ( 3 ). ( f ) Personal identification information means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual, including any : 1.Name, postal or electronic mail address, telephone number, social security number, date of birth, mothers maiden name, official state-issued or United States-issued driver license or identification number, alien registration number, government passport number, employer or taxpayer identification number, Medicaid or food assistance account number, bank account number, credit or debit card number, or personal identification number or code assigned to the holder of a debit card by the issuer to permit authorized electronic use of such card ; 2.Unique biometric data, such as fingerprint, voice print, retina or iris image, or other unique physical representation ; 3.Unique electronic identification number, address, or routing code ; 4.Medical records ; 5.Telecommunication identifying information or access device ; or 6.Other number or information that can be used to access a persons financial resources. ( g ) Counterfeit or fictitious personal identification information means any counterfeit, fictitious, or fabricated information in the similitude of the data outlined in paragraph ( f ) that, although not truthful or accurate, would in context lead a reasonably prudent person to credit its truthfulness and accuracy. ( 2 ) ( a ) Any person who willfully and without authorization fraudulently uses, or possesses with intent to fraudulently use, personal identification information concerning an individual without first obtaining that individuals consent, commits the offense of fraudulent use of personal identification information, which is a felony of the third degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084. ( b ) Any person who willfully and without authorization fraudulently uses personal identification information concerning an individual without first obtaining that individuals consent commits a felony of the second degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084, if the pecuniary benefit, the value of the services received, the payment sought to be avoided, or the amount of the injury or fraud perpetrated is {$5000.00} or more or if the person fraudulently uses the personal identification information of 10 or more individuals, but fewer than 20 individuals, without their consent. Notwithstanding any other provision oflaw, the court shall sentence any person convicted of committing the offense described in this paragraph to a mandatory minimum sentence of 3 years imprisonment. ( c ) Any person who willfully and without authorization fraudulently uses personal identification information concerning an individual without first obtaining that individuals consent commits a felony of the first degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084, if the pecuniary benefit, the value of the services received, the payment sought to be avoided, or the amount of the injury or fraud perpetrated is {$50000.00} or more or if the person fraudulently uses the personal identification information of 20 or more individuals, but fewer than 30 individuals, without their consent. Notwithstanding any other provision of law, the court shall sentence any person convicted of committing the offense described in this paragraph to a mandatory minimum sentence of 5 years imprisonment. If the pecuniary benefit, the value of the services received, the payment sought to be avoided, or the amount of the injury or fraud perpetrated is {$100000.00} or more, or if the person fraudulently uses the personal identification information of 30 or more individuals without their consent, notwithstanding any other provision of law, the court shall sentence any person convicted of committing the offense described in this paragraph to a mandatory minimum sentence of 10 years imprisonment. ( 3 ) Neither paragraph ( 2 ) ( b ) nor paragraph ( 2 ) ( c ) prevents a court from imposing a greater sentence of incarceration as authorized by law. If the minimum mandatory terms of imprisonment imposed under paragraph ( 2 ) ( b ) or paragraph ( 2 ) ( c ) exceed the maximum sentences authorized under s. 775.082, s. 775.084, or the Criminal Punishment Code under chapter 921, the mandatory minimum sentence must be imposed. If the mandatory minimum terms of imprisonment under paragraph ( 2 ) ( b ) or paragraph ( 2 ) ( c ) are less than the sentence that could be imposed under s. 775.082, s. 775.084, or the Criminal Punishment Code under chapter 921, the sentence imposed by the court must include the mandatory minimum term of imprisonment as required by paragraph ( 2 ) ( b ) or paragraph ( 2 ) ( c ). ( 4 ) Any person who willfully and without authorization possesses, uses, or attempts to use personal identification information concerning an individual without first obtaining that individuals consent, and who does so for the purpose of harassing that individual, commits the offense of harassment by use of personal identification information, which is a misdemeanor of the first degree, punishable as provided in s. 775.082 or s. 775.083. ( 5 ) If an offense prohibited under this section was facilitated or furthered by the use of a public record, as defined in s. 119.011, the offense is reclassified to the next higher degree as follows : ( a ) A misdemeanor of the first degree is reclassified as a felony of the third degree. ( b ) A felony of the third degree is reclassified as a felony of the second degree. ( c ) A felony of the second degree is reclassified as a felony of the first degree. For purposes of sentencing under chapter 921 and incentive gain-time eligibility under chapter 944, a felony offense that is reclassified under this subsection is ranked one level above the ranking under s.921.0022 of the felony offense committed, and a misdemeanor offense that is reclassified under this subsection is ranked in level 2 of the offense severity ranking chart in s. 921.0022. ( 6 ) Any person who willfully and without authorization fraudulently uses personal identification information concerning an individual who is younger than 18 years of age or 60 years of age or older without first obtaining the consent of that individual or of his or her legal guardian commits a felony of the second degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084. ( 7 ) Any person who is in the relationship of parent or legal guardian, or who otherwise exercises custodial authority over an individual who is younger than 18 years of age or 60 years of age or older, who willfully and fraudulently uses personal identification information of that individual commits a felony of the second degree, punishable as provided in s. 775.082, s. 775.083, or s.775.084. ( 8 ) ( a ) Any person who willfully and fraudulently uses, or possesses with intent to fraudulently use, personal identification information concerning a deceased individual commits the offense of fraudulent use or possession with intent to use personal identification information of a deceased individual, a felony of the third degree, punishable as provided in s. 775.082, s. 775.083, or s.775.084. ( b ) Any person who willfully and fraudulently uses personal identification information concerning a deceased individual commits a felony of the second degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084, if the pecuniary benefit, the value of the services received, the payment sought to be avoided, or the amount of injury or fraud perpetrated is {$5000.00} or more, or if the person fraudulently uses the personal identification information of 10 or more but fewer than 20 deceased individuals. Notwithstanding any other provision of law, the court shall sentence any person convicted of committing the offense described in this paragraph to a mandatory minimum sentence of 3 years imprisonment. ( c ) Any person who willfully and fraudulently uses personal identification information concerning a deceased individual commits the offense of aggravated fraudulent use of the personal identification information of multiple deceased individuals, a felony of the first degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084, if the pecuniary benefit, the value of the services received, the payment sought to be avoided, or the amount of injury or fraud perpetrated is {$50000.00} or more, or if the person fraudulently uses the personal identification information of 20 or more but fewer than 30 deceased individuals. Notwithstanding any other provision of law, the court shall sentence any person convicted of the offense described in this paragraph to a minimum mandatory sentence of 5 years imprisonment. If the pecuniary benefit, the value of the services received, the payment sought to be avoided, or the amount of the injury or fraud perpetrated is {$100000.00} or more, or if the person fraudulently uses the personal identification information of 30 or more deceased individuals, notwithstanding any other provision of law, the court shall sentence any person convicted of an offense described in this paragraph to a mandatory minimum sentence of 10 years imprisonment. ( 9 ) Any person who willfully and fraudulently creates or uses, or possesses with intent to fraudulently use, counterfeit or fictitious personal identification information concerning a fictitious individual, or concerning a real individual without first obtaining that real individuals consent, with intent to use such counterfeit or fictitious personal identification information for the purpose of committing or facilitating the commission of a fraud on another person, commits the offense of fraudulent creation or use, or possession with intent to fraudulently use, counterfeit or fictitious personal identification information, a felony of the third degree, punishable as provided in s.775.082, s. 775.083, or s. 775.084. ( 10 ) Any person who commits an offense described in this section and for the purpose of obtaining or using personal identification information misrepresents himself or herself to be a law enforcement officer ; an employee or representative of a bank, credit card company, credit counseling company, or credit reporting agency ; or any person who wrongfully represents that he or she is seeking to assist the victim with a problem with the victims credit history shall have the offense reclassified as follows : ( a ) In the case of a misdemeanor, the offense is reclassified as a felony of the third degree. ( b ) In the case of a felony of the third degree, the offense is reclassified as a felony of the second degree. ( c ) In the case of a felony of the second degree, the offense is reclassified as a felony of the first degree. ( d ) In the case of a felony of the first degree or a felony of the first degree punishable by a term of imprisonment not exceeding life, the offense is reclassified as a life felony. For purposes of sentencing under chapter 921, a felony offense that is reclassified under this subsection is ranked one level above the ranking under s. 921.0022 or s. 921.0023 of the felony offense committed, and a misdemeanor offense that is reclassified under this subsection is ranked in level 2 of the offense severity ranking chart. ( 11 ) A person who willfully and without authorization fraudulently uses personal identification information concerning an individual who is 60 years of age or older ; a disabled adult as defined in s.825.101 ; a public servant as defined in s. 838.014 ; a veteran as defined in s. 1.01 ; a first responder as defined in s. 125.01045 ; an individual who is employed by the State of Florida ; or an individual who is employed by the Federal Government without first obtaining the consent of that individual commits a felony of the second degree, punishable as provided in s. 775.082, s. 775.083, or s.775.084. ( 12 ) In addition to any sanction imposed when a person pleads guilty or nolo contendere to, or is found guilty of, regardless of adjudication, a violation of this section, the court shall impose a surcharge of {$1000.00}. ( a ) The sum of {$500.00} of the surcharge shall be deposited into the Department of Law Enforcement Operating Trust Fund for the department to provide grants to local law enforcement agencies to investigate offenses related to the criminal use of personal identification information as provided in s. 943.0412. ( b ) The sum of {$250.00} of the surcharge shall be deposited into the State Attorneys Revenue Trust Fund for the purpose of funding prosecutions of offenses relating to the criminal use of personal identification information. The sum of {$250.00} of the surcharge shall be deposited into the Public Defenders Revenue Trust Fund for the purposes of indigent criminal defense related to the criminal use of personal identification information. ( c ) The clerk of the court shall retain {$1.00} of each {$1000.00} surcharge that he or she collects as a service charge of the clerks office. ( d ) The surcharge may not be waived by the court. In the event that the person has been ordered to pay restitution in accordance with s. 775.089, the surcharge shall be included in a judgment.
08/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30350	Web
This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/XXXX (XXXX), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC § 1692 and as amended by adding the following new Title 8 USC § 802 et seq., and the Fair Credit Billing Act, 15 USC. § 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act (TILA) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the “debt” by complying, in good faith, with this request for validation and return it to me, within thirty (30) days of receipt of this letter. This is NOT a request for “verification” or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached “Declaration and Proof of Claim” that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following: – Violation of the Fair Credit Reporting Act – Violation of the Fair Debt Collection Practices Act – Defamation of Character – Violation of United States Code TITLE 18 PART 1 CHAPTER 63 § 1341 (Mail Fraud) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a “dishonor” and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC § 809. Validation of debts [15 USC 1692g] (b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Debt Validation Proof of Claim the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX XXXX XXXX: VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise: (a) Fails to provide VALIDATION and PROOF OF CLAIM within thirty (30) days; (b) Makes a false representation of the character of the herein above-referenced alleged debt; (c) Makes a false representation of the legal status of the herein above-referenced alleged debt; (d) Makes any threat of action that cannot legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondent’s tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to: (e) Voluntarily report this account to all credit bureaus as “paid as agreed;” and, (f) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice; and, (g) The matter regarding the alleged debt is finally and totally settled; and, (h) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant; and, (i) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, related law, and/or satisfy the above “terms and conditions,” constitutes RESPONDENT’S “Breach of Duty” and voluntary agreement to compensate Claimant, by certified mail, with a cashier’s check within thirty (30) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts: I) XXXX XXXX Dollars ($XXXX) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondent’s unsubstantiated claim; and, II) XXXX XXXX Dollars ($XXXX) for each transaction initiated by Claimant where Claimant’s commercial ability is impeded due to you, your agents’ or assigns adverse credit reporting; and, III) XXXX XXXX Dollars ($XXXX) for each court appearance Claimant, their Agent or Heirs makes in response to Respondent’s unsubstantiated claims; and, IV) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent; and, V) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ($XXXX) which equals ($XXXX); and, VI) XXXX XXXX Dollars ($XXXX) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimant’s credit history; and, VII) Punitive damages in the amount of ($XXXX); and VIII)Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs; fees and expenses incurred in defending against this and any and all continued collection attempts (by anyone) re the above- referenced alleged account RESPONDENT also agrees to: 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees; and, RESPONDENT’S failure to “Cease and Desist” in accordance with the requirements of the FDCPA and other Debt Validation Proof of Claim 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrator’s authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimant’s claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. “Equality under the Law is PARAMOUNT and MANDATORY by Law” NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this XX/XX/XXXX by, XXXX XXXX Agent for XXXX XXXX. You are the second party that has written a letter purporting to represent, or have as your client, Chexsystem and or XXXX XXXX, the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented from my client. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt letter and or document, and is my duties to represent my client and make sure that my client is not violated of their consumer rights. I am sending this letter in regards to disputing part, or all, of the alleged debt until the following is received... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM, any original documents bearing wet signatures of my client. Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. § 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor: 3. Alleged Account #: 4. Amount of alleged debt: 5. Date that this alleged debt became/becomes payable: 6. Date of original charge off or delinquency: 7. Amount paid if debt was purchased: 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judge’s inspection should there be a trial to contest these matters. Debt Validation Proof of Claim 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as; FR 2046 balance sheet (OMB #’s 2046, 2049, 2099), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name(s) of person(s) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 § 1341. Disputing the Debt, Dated this XX/XX/XXXX. By: XXXX XXXX
11/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	CA 92404	Web
Chexsystems continue to negatively affect the way that I do banking due to fraudulent inquiries and accounts that are in my Chexsystems report. theyre reporting fraudulent inquiries. Theyre reporting fraudulent accounts that are charge-offs which do not belong to me. I have repeatedly warned them and reached out to representatives is there about these issues that I continue to have that adverse actions that negatively impact the way XXXX able to obtain banking or credit products have filed this CFPB complaint also a FTC complaint and other documents to the credit reporting agencies as well as data furnishers and also to Chexsystems these items continue to be on my Chexsystems and they an adverse action when it comes to me being able to apply not only for credit products, but also banking products with banking and lending institutions at this moment, I want Chexsystems to ceased and desist, reporting all and accuracies and fraudulent accounts and fraudulent inquiries not only to the banking institutions but on my Chexsystems report I have a right to privacy I recently had them send a copy of the Chexsystems report and I found so many inconsistencies inaccuracies and fraudulent accounts these are the dates and times, and the institutions listed below directly from Chexsystems Reported For : ACCOUNT ABUSE ; ANY AMOUNTS OWED HAVE BEEN PAID ; this is a negative fraudulent account that has been reported bye Chexsystems I repeat cease and desist all reporting of this account this is another account that is being reported by Chexsystems fraudulently this is the name, the institution the time and the date which is Chexsystems Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Reported SSN/ID : XXXX Driver 's License : XXXX State : CA ChexSystems Date of Closure : XX/XX/XXXX XXXX # : XXXX / XXXX Original Charge Off Amount : {$940.00} Closure Status : PAID IN FULL Closure Status Date : XX/XX/XXXX this is another fraudulent account that has been reported by Chexsystems which is totally inaccurate and fraudulent under the FCRA XXXX It Hass to be 100 % accurate. This is fraudulent. This is not my address. This is not me. This is also due to identity theft, which is been reported which you will see in the attachments below to all of the credit reporting agencies, they have removed these accounts only Chexsystems continue to use fraudulent addresses, fraudulent accounts and fraudulent inquiries on my consumer reports, and on their check system reports. These are fraudulent inquiries the dates and times and the addresses and what they say is fraudulent. I have sent multiple documentation and spoke to them about these inquiries that are on my Chexsystems report Inquiries Viewed By Others This section refers to transactions involving you and are the result of someone accessing your ChexSystems information, typically in connection with a business transaction you initiated with them. The company listed on this type of inquiry requested information from your consumer file on the date ( s ) specified. These inquires may impact your consumer report and may be included in reports to others. These inquiries remain on your file for up to 3 years. Inquirer : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, PA XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX Name Provided : XXXX XXXX Address Provided : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SSN/ID Provided : XXXX Driver 's License : XXXX State : CA Email : No Information Found Inquirer : XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Name Provided : XXXX XXXX XXXX Provided : XXXX Email : No Information Found Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Name Provided : XXXX XXXX XXXX Provided : XXXX Email : No Information Found Address Provided : XXXX XXXX XXXX XXXX CA XXXX Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX, XXXX, MD XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX Name Provided : XXXX XXXX XXXX Provided : XXXX Email : No Information Found Address Provided : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone Number XXXX XXXX Inquiry Date : XX/XX/XXXX Name Provided XXXX XXXX XXXX Address Provided : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SSN/ID Provided : XXXX Email XXXX No Information Found Inquiries Viewed Only By You This section refers to transactions you may or may not have initiated. For this reason, you may not always recognize the source. Inquiries made by medical providers may also be included in this section. The information listed in this section is only viewable by you. It is not included in reports to others and does not negatively affect your consumer report. Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, PA XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Name Provided : XXXX XXXX XXXX Provided : XXXX Email : No Information Found Address Provided : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX Phone Number XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Name Provided : XXXX XXXX XXXX Provided : XXXX Email : No Information Found Address Provided : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, NY XXXX Phone Number : XXXX Inquiry Date XXXX XX/XX/XXXX Name Provided XXXX XXXX XXXX XXXX Provided : XXXX Email : No Information Found Address Provided : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. Chex Systems Inc Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Dear Chex System There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that the banks listed in this PACKAGE and all UNAUTHORIZED INOUIRIES Yet again, vou have failed to provide me with a copy of any viable evidence from these banks and the fraudulent use of my identity in connection with these inquiries are a violation of USC 15 1681b and USC 15 1681 of the FCRA Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at ( Name of Bank ) regarding this alleged account. I am formally requesting a copy of any documents provided by ( Name of Bank ), bearing my signature, 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. Be aware that I am making a final 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 are investigated by the Federal Trade Commission ( see 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, CFPB and the state of Minnesota Attorney General 's office, should vou continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure on vour behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act PERMISSIBLE PURPOSE LETTER CHEXSYSTEMS XXXX XXXX XXXX XXXX XXXX RE : XXXX # XXXX To whom it may concern, I, XXXX XXXX XXXX never gave ( CHEXSYSTEMS ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC $ 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account 's 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Dear CHEX SYSTEMS There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : also, there are multiple addresses that are being reported here in my Chexsystems report. All of these addresses are fraudulent. Theres only one address and thats the address that is on my identification and in which where you will see attached copies of any other address other than the one that I have is a fraudulent address this is a misrepresentation and also in accurate if it is not accurate, it must be removed from my consumer report these in accurate inconsistencies here with Chexsystems is really affecting the way that I am able to obtain credit and also build bank and relationships. She just dispute with Chexsystems report. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev \| next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation.
04/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94110	Web
XXXX HAS NOT RESPONDED TO DEFAULT NOTICE SENT XX/XX/XXXX.. XXXX HAS NOT DELETED INACCURATE INFORMATION. XXXX HAS NOT DELETED Inquirer : XXXX XXXX XXXX XXXX on Inquirer Date : XX/XX/XXXX. XXXX XXXX HAS BEEN GIVEN ALL THE REQUIRED SUPPORTING DOCUMENTS TO HAVE THIS INACCURATE INFORMATION REMOVED FROM MY XXXX CREDIT FILE. *****************INACCURATE VERIFICATION OF ACCOUNT**************** *THIS ACCOUNT IS FRAUDULENTLY MISREPRESENTED AND INACCURATE* ********************XXXX DELETED THIS ACCOUNT******************** ******************XXXX DELETED THIS ACCOUNT******************** *********PLEASE DELETE THIS ALLEGED ACCOUNT IMMEDIATELY******** ****SAFE AMERICA FCU HAS FAILED TO RESPOND TO CERTIFIED MAIL*** Notice Date : XX/XX/XXXX RE : Consumer ID : XXXX Consumer Relations Department : FIRST, I was recently informed of negative information reported by XXXX XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, CA XXXX , included in the file XXXX maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank Inquirer : XXXX XXXX XXXX XXXX on Inquirer Date : XX/XX/XXXX. I am unaware of ever having an account from this Credit Union. My repeated attempts to contact this institution has been unsuccessful, resulting in a judgement being publicly filed and litigation pending commercial injuries. State and Federal violations have been breached by XXXX XXXX XXXX XXXX. Please see the attached certified copy verifying XXXX XXXX XXXX XXXX Non-Response and Non-Performance. I ask that this information be immediately deleted from the record XXXX maintain under my Social Security number and provide an updated report as soon as possible. SECOND, the following personal information needs to be deleted immediately : Any NAME that DOES NOT MATCH : XXXX XXXX XXXX Please remove all other NAME variations IMMEDIATELY. They are inaccurate. Any another NAME belongs to another individual with same/similar name. XXXX XXXX IS INACCURATE AND XXXX MUST DELETE. XXXX XXXX XXXX IS INACCURATE AND XXXX MUST DELETE. THIRD, the following addresses need to be deleted immediately : Any ADDRESSE ( S ) that DO NOT MATCH my PERMANENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please remove all other CONTACT INFORMATION Variation ( s ) IMMEDIATELY. They are INACCURATE ADDRESSES AND INACCURATE FORMER ADDRESSES. Any other ADDRESS belongs to another individual with same/similar ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX This ADDRESS belongs to another individual with same/similar ADDRESS. XXXX must remove and delete immediately. XXXX XXXX XXXX XXXX XXXX, CA XXXX This ADDRESS belongs to another individual with same/similar ADDRESS. XXXX must remove and delete immediately. LAST, I want to inform XXXX that failure to comply with federal regulations of credit reporting agencies are investigated by the Federal Trade Commission ( see 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, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Notice Date : XX/XX/XXXX RE : Consumer ID : XXXX NON-RESPONSE / NON-PREFORMANCE VIOLATION OF 15 U.S.C. 1681 Be it known, that, the person signing below, a duly empowered Notary Public and XXXX XXXX Registered Process Server, at the request of : XXXX XXXX XXXX, herein after Claimant, in care of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California [ XXXX ] ; did duly present on XX/XX/XXXX, U.S.P.S. Certified Mail Article No. 7016 2710 0000 1515 4051 received by Respondent ( s ) on or about XX/XX/XXXX at : XXXX Inc. Attn : Consumer Relations Department , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ; the following instrument ( s ), hereinafter referred to as the, PRESENTMENT [ complete sanitized packet containing 27 leaves ] : 1 ) CERTIFIED MAIL # : XXXX XXXX XXXX XXXX XXXX NOTICE OF CONSUMER REPORT ERRORS ( three leaves ) 2 ) ATTACHMENTS : Enclosures 1 5 ( twenty-four leaves ) TOTAL twenty-seven ( 27 ) leaves. All named Respondents have been informed that, there is no contest or issues in controversy, and that the Respondents failure to respond or preform on the accounts in dispute proves FRAUD upon the Alleged Accounts. NOTICE : This is a Notice of Fault upon the instrument ( s ) presented by Claimant XXXX XXXX XXXX on or about XX/XX/XXXX with U.S.P.S. Certified Mail Article No. XXXX XXXX XXXX XXXX XXXX received by Respondent ( s ) on or about XX/XX/XXXX at : XXXX XXXX. Attn : Consumer Relations Department , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX. Pursuant to FCRA Respondent i.e. XXXX DOES NOT have XXXX XXXX XXXX, Claimant ( s ) permission to communicate personal information in regards to the alleged debt/accounts referenced within the U.S.P.S. Certified Mail Article No. XXXX XXXX XXXX XXXX XXXX. XXXX is in violation of 15 U.S.C. 1681 requiring XXXX under the FCRA to have properly verify the accuracy of an alleged account listed within a credit report with physical documents i.e. certified contracts. DISHONOR : By the terms and conditions of the agreement resulting by the offer and acceptance of the Presentment, the Respondent ( s ) are under the duty and obligation to timely and in good faith honor the offer by a presentment within fifteen ( 15 ) days, providing PROOF OF CONTRACT to substantiate alleged debt/accounts claimed. XXXX had 15 days to provide strict proof of contract and has now dishonored presentment by non-performance of physical documents i.e. certified contracts. Respondent ( s ) have ignored Claimants request to provide the documents in XXXX files that were used to verify the alleged and disputed accounts, which means that Respondent ( s ) have NOT verified or CAN NOT verify any alleged accounts. Therefore, pursuant to Section 611 ( 5 ) ( A ) of the FCRA ChexSystems is required to promptly delete all information which can not be verified. CERTIFICATION and VERIFCATION shall be done through the presence of a notary public, who authenticates and duly swears the copy made is in fact a copy of the original paper contract in question ( meaning the original contract from the original creditor would need to be provided to the notary, and the notary would need to make the copy themselves ). These matters have been deemed settled, res judicata, stare decisis and therefore, act upon XXXX to PERFORM by promptly deleting FRAUDLENTY OPENED/ALLEGED ACCOUNT. MERE DECLARATIONS ARE AN INSUFFICIENT RESPONSE. Allowing fifteen ( 15 ) days for the performance, the time allowed having passed for PERFORMANCE, and the Resident Agent showing no record of an accepted offer, Claimant now deems the instrument ( s ) to have been dishonored on 03 January 2019, and therefore a confession of judgment on the merits is warranted. FAULT : In the event XXXX can not provide strict proof of contract, XXXX must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. For the failure in honoring the offer places the Respondent ( s ) at FAULT. This presentment is the Claimant ( s ) good faith offer for an extension of time to the Respondent ( s ) for making the required presentment by an additional fourteen ( 14 ) days. Respondent ( s ) have fourteen ( 14 ) days, for making presentment at the Resident Agent address given above. For the Respondent ( s ) failure, refusal, or neglect of a verified response, as a sufficient verified response is defined below, this Notice of Fault ( Opportunity to Cure ) is consenting with the Claimant ( s ) entry of a Notice of Default upon the Respondent ( s ), and the issuance of a certificate verifying Respondent ( s ) non-performance, acceptance of liability, and Respondent ( s ) acquiescence and tacit agreement with all terms, conditions and stipulations herein. Notice Date : XX/XX/XXXX Respondent ( s ) : XXXX XXXX. Attn : Consumer Relations Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX United States RE : Consumer ID : XXXX Notice of Default NOTICE : This is a Notice of Default upon the instrument ( s ) presented by Claimant XXXX XXXX XXXX on or about XX/XX/XXXX, U.S.P.S. Certified Mail Article No. XXXX XXXX XXXX XXXX XXXX received by Respondent ( s ) on or about XX/XX/XXXX at : XXXX XXXX. Attn : Consumer Relations Department , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ; the following instrument ( s ), hereinafter referred to as the, PRESENTMENT [ complete sanitized packet containing 27 leaves ]. PRESENTMENT : On XX/XX/XXXX Claimant presented the following instrument ( s ), hereinafter referred to as the PRESENTMENT [ complete sanitized packet containing 27 leaves ], to the Respondent ( s ), for the Respondent ( s ) acceptance and PERFORMANCE thereto. NON-PERFORMANCE : Allowing more than thirty ( 30 ) days to PERFORM places XXXX XXXX. in DEFAULT and will be construed as a commercial injury, violation of agreement, fraud, fraud by scienter, violation of commercial law and otherwise. XXXX XXXX. must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies that have NOT been VERIFIED WITH CERIFIED CONTRACTS. DISHONOR : By the terms and conditions of the agreement resulting in the offer and acceptance of the Presentment, the Respondent ( s ) are under the duty and obligation to timely and in good faith honor the offer by PERFORMANCE within thirty ( 30 ) days containing a response on a point by-point basis, via a sworn affidavit, under the Respondent ( s ) full commercial liability, signing under the penalty of perjury that the facts contained therein are true, correct, complete and not misleading. MERE DECLARATIONS ARE AN INSUFFICIENT RESPONSE. DEFAULT : Allowing fifteen ( 15 ) days for XXXX XXXX. to provide certified contracts used within the verification of information regarding XXXX XXXX XXXX file, an additional fourteen ( 14 ) on the opportunity to cure FAULT, and time allowed having passed, Resident Agent showing no record of acceptance, rebuttal or verified response of Presentment, Claimant now deems the Presentment and the Notice of Fault ( Opportunity to Cure ) to be dishonored by DEFAULT on XX/XX/XXXX. XXXX HAS NOT RESPONDED TO DEFAULT NOTICE SENT XX/XX/XXXX.. XXXX HAS NOT DELETED INACCURATE INFORMATION. XXXX HAS NOT DELETED Inquirer : XXXX XXXX XXXX XXXX on Inquirer Date : XX/XX/XXXX. XXXX XXXX HAS BEEN GIVEN ALL THE REQUIRED SUPPORTING DOCUMENTS TO HAVE THIS INACCURATE INFORMATION REMOVED FROM MY XXXX CREDIT FILE. ***************INACCURATE VERIFICATION OF ACCOUNT**************** *THIS ACCOUNT IS FRAUDULENTLY MISREPRESENTED AND INACCURATE* ********************XXXX DELETED THIS ACCOUNT******************** ******************XXXX DELETED THIS ACCOUNT******************** *********PLEASE DELETE THIS ALLEGED ACCOUNT IMMEDIATELY******** ****XXXX XXXX XXXX HAS FAILED TO RESPOND TO CERTIFIED MAIL*****
03/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11234	Web
In accordance with the Fair Credit Reporting act. These XXXX XXXX XXXX XXXX XXXX XXXX and consumer reporting agency ChexSystem below has violated my federally protected consumer rights to privacy and confidentiality under the Privacy Act of 1974. The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act and Privacy Act of 1974. I acquired my recent credit report and I asked the credit bureaus to make sure everything was complete and accurate according to 12 CFR 1022.41 and 16 CFR 313.7 Form of opt out notice to consumers. 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. According to the FCRA 1.4.3 Cancellation of Debt and Taxes and 26 CFR 1.6050P-1 - Information reporting for discharges of indebtedness by certain entities In some cases, consumers may be able to negotiate to reduce or eliminate an outstanding debt. Creditors and debt buyers that cancel or forgive a debt ( or portion of a debt ) worth at least {$600.00} must file an information Form 1099-C with the Internal Revenue Service by XX/XX/XXXX of the following year, and must also send a copy to the consumer. The principal of a cancelled or forgiven debt is generally considered taxable income to the consumer., although there are several important exceptions, including when the consumer disputes the debt Per 15 USC 1666a Regulation of credit reports, 15 USC 1666b- Timing of payments, 31 CFR 29.518 - Reporting delinquent debts to credit bureaus, 26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities. Per the FCRA CHAPTER 8 PRIVACY SAYS and 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report The term consumer report does not include : Any report containing information solely about transactions or experiences between the consumer and the institution making the report. ChexSystem are not reporting the correct and accurate information to my credit file correctly and there are serious discrepancies with which my account is being reported. I waited 30 days or more since then and received my investigation and noticed everything was still the same the consumer reporting agencies. ChexSystem remove anything. I have the right to privacy per the privacy act of 1974. The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals from the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. I Have the right to opt-out of any and all reporting to my report. I was never given a opt-out notice that was clear and conspicuous from ChexSystem under 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 16 CFR 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ChexSystem have this opt-out option in their available. It also states that they will not share my information with nonaffiliates or affiliates in their contracts. This is my information that they are sharing without my being given the opportunity to opt-out which is with in my right as a consumer. ChexSystem as well is taking advantage of me in the same way. Since This charge off is adversely affecting my credit by being reported under the VIOLATION of my rights. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The date open is not correct, the date last active is not correct, date of last payment is not correct on all 3 reports. 15 U.S. Code 1681e - Compliance procedures- to have maximum accuracy when reporting to a consumers report. All the reporting agencies are reporting inaccurate dates and amounts on my consumer reports. Some reports have more transactions reporting than others. That wrong as well as the reporting agencies are reporting CO charge off every month which is inaccurate that is re-aging the debt making it seem newer than it is. All late payments must be updates to paid. You can not charge off a debt every month or report late payments by this law that is very inaccurate and this is re-aging the debt to make it seem as if it happened this month when the certificate of indebtedness, which now means it is income and can no longer report on my credit report without the account status being updated to paid as agreed and all payments and balances be updated to zero under the law. DELETE THIS ACCOUNT IMMDEIATELY AND INDEFINITELY It is not reporting correctly as the law says in maximum accuracy per 15 USC 1681c-2 subsection ( b ) Accuracy of report-Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Which is a violation. This is impacting me from buying a house for my family. I am a single mother being Violated and disregarded and the laws are being disregarded as well. Someone needs to be held accountable for this. This is very frustrating for me ChexSystems are not doing their job according to the law. The law clearly states that it is illegal under 15 U.S. Code 1681 to report transactions every month ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not includeunder subsection A section 1681s-3 of this title says ChexSystem can not report containing information solely as to transactions or experiences between the consumer and the person making the report ; Which mean ChexSystem is not allowed to report my transactions from any financial institution without my permission. It is not to be reported on. Transactional history is not to be reported. The C/O that is being reported every month is illegal because you can only charge off an account within the first 6 months according to the FCRA AND 26 CFR 1.6050P-1 - Information reporting for discharges of indebtedness by certain entities because it is a certificate of indebtedness. Once it is charged off or close out is now A certificate if indebtedness which is income. Once the debt becomes Income can NOT be reported to my credit report which XXXX has failed to make sure that this account is reporting correctly. All the months need to be updated to paid as agreed and all balances updated to Zero. ALL LATE payments AND C/O REPORTINGS FOR HISTORICAL TRENDED DATA, TRANSACTIONAL HISTORY, MINIMUM BALANCES, HIGH BALANCE AND BLANCES UPDATED TO ZERO IMMEDIATELY AND HISTORICAL TRENDED DATA, TRANSACTIONAL DATA TO POSTIVE ON TIME PAYMENTS AND ACCOUNT STATUS UPDATED TO PAID IN FULL THE AMMOUNT UPDATED TO ZERO. DELETE THIS ACCOUNT IMMDEIATELY AND INDEFINITELY I attached my previous credit report to show how ChexSystem violated my rights. And I attached all terms and condition, privacy notices that says my information will not be shared with any non-affiliates or affiliates I am a customer/consumer whose non personal information is being shared. ChexSystem has violated me and abused the law by sharing and receiving my personal information without my consent. Per the law 15 USC 6801-6805. 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. ( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards THIS IS DEFINITLEY IDENTITY THEFT WHEN A FINANCIAL INSTITUTION, ChexSystem TAKES YOUR PEROSNAL INFORMATION AND SHARES IT WITH OUT YOUR KNOWLEDGE AND FOLLOWING THE LAW TO TAKE THE PROPER STEPS TO MAKE SURE THAT CONSUMERS INFORMATION IS NOT BEING RELEASE UNDER DISHONEST AND UNDERHANDED PRACTICES 15 U.S. Code 1681c2 - Block of information resulting from identity theft due to the nature of this company violation my privacy rights they have 4 days to update this information with all reporting agencies involved with my consumer report being reported inaccurately indefinitely ( a ) Block Except as otherwise provided in this section, a agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency ( b ) Accuracy of report-Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. UNDER THIS LAW IM AM DUE COMPENSATION FOR THE DAMAGES, EMBARESSMENT AND NEGLECTFULNESS THAT HAS BEEN DONE TO MY CREDIT FILE. THE CREDIT REPORTING AGENCIES ARE NOT DOING THEIR DUE DILLIGENCE IN EFFFECTIVLEY PREVENTING THESE ACCOUNT FROM REPORTING INNACURATLY AND BREAKING THEIR OWN PRIVACY NOTICES AND TERMS AND CONDITONS POLICIES THEY HAVE PROMISED TO COMSUMERS 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or XXXX XXXXXXXX -DELETE IMMEDIATELY XXXX XXXX XXXXXXXX- DELETE IMMEDIATELY I DEMAND TO DELETE THIS ACCOUNT IMMDEIATELY AND INDEFINITELY HAVE 4 DAYS TO UPDATE MY ACCOUNT STATUS I DEMAND DELETE THIS ACCOUNT IMMDEIATELY AND INDEFINITELY HAVE 4 DAYS TO UPDATE MY ACCOUNT STATUS TO ALL MONTHS POSITIVE PAID, PAID AS AGREED ACCOUNT STATUS AND ZERO BALANCE INDEFINITELY. I AM DUE COMPENSATION FOR EVERY MONTH WAS REPORTING INCORRECTLY ON MY CREDIT FILE BECAUSE OF NEGLECT TO CORRECT MY CREDIT FILE IMMEDIATELY AND INDEFINITELY TO MY XXXX XXXX CHECKING ACCOUNT # XXXX ROUTING # XXXX
01/15/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 47909	Web
Chex system Inc has violated my privacy rights several times by collecting my information from the bank and reporting it to the credit bureau without my consent or authorization. I have written Chex System Inc and asked to opt out and they have continued to use my information and contact financial institutions sharing my information without my consent. I wrote them last year in XXXX asking them to opt out and they are still reporting violating my privacy rights Which is a violation of the Following 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described insection 6805 ( a ) of this title, other than the Bureau ofConsumerFinancial Protection, shall establish appropriate standards for thefinancial institutionssubject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title. ( b ) Opt out ( 1 ) In general Afinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. ( 2 ) Exception This subsection shall not prevent afinancial institutionfrom providingnonpublic personal informationto anonaffiliated third partyto perform services for or functions on behalf of thefinancial institution, including marketing of thefinancial institutions own products or services, or financial products or services offered pursuant tojoint agreementsbetween two or morefinancial institutionsthat comply with the requirements imposed by the regulations prescribed undersection 6804 of this title, if thefinancial institutionfully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, anonaffiliated third partythat receives from afinancial institutionnonpublic personal informationunder this section shall not, directly or through anaffiliateof such receiving third party, disclose such information to any other person that is anonaffiliated third partyof both thefinancial institutionand such receiving third party, unless such disclosure would be lawful if made directly to such other person by thefinancial institution. 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. * 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice.Ifyouare required to provide an opt out notice under 313.10 ( a ), youmust provide a clear and conspicuous notice to each ofyourconsumers that accurately explains the right to opt out under that section. The notice must state : ( i ) Thatyoudisclose or reserve the right to disclosenonpublic personal informationaboutyourconsumer to anonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( f ) Continuing right to opt out.A consumer may exercise the right to opt out at any time. Privacy Act of 1974 31 CFR 29.518 - Reporting delinquent debts to credit bureaus. 29.518 Reportingdelinquentdebts to credit bureaus. ( a ) Notice.If adebtor 's response to the demand letter does not result in payment in full, payment byoffset, or payment in accordance with avoluntary repayment agreementor otherrepayment scheduleacceptable to theBenefits Administrator, and thedebtor 's rights under 29.512through 29.514 have been exhausted, theBenefits Administratormust report thedebtorto a credit bureau . In addition, adebtor 's failure to make subsequent payments in accordance with arepayment schedulemust result in a report to a credit bureau. Before making a report to a credit bureau, theBenefits Administratormust notify thedebtorin writing that ( 1 ) The payment is overdue ; ( 2 ) TheBenefits Administratorintends, after 60 days, to make a report as described inparagraph ( b ) of this section to a credit bureau ; ( 3 ) Thedebtor 's right to dispute the liability has been exhausted under 29.512through 29.514 ; and ( 4 ) Thedebtormay avoid having theBenefits Administratorreport thedebtorto a credit bureau by paying the debt in one lump sum or making payments current under arepayment schedule. ( b ) Report.If, after being sent the notice described inparagraph ( a ) of this section, thedebtordoes not pay the overpayment debt or make payments current under arepayment scheduleor fails to respond to the notice, and 60 days have elapsed since the notice was mailed, theBenefits Administratorwill report to a credit bureau that thedebtoris responsible for an unpaid debt and provide the following information : ( ( 1 ) Thedebtor 's name, address, taxpayer identification number, and any other information necessary to establish the identity of the individual ; ( 2 ) The amount, status, and history of the debt ; and ( 3 ) The fact that the debt arose in connection with the administration ofFederal Benefit Paymentsunder a District Retirement Fund. ( c ) Subsequent reports.TheBenefits Administratormust update its report to the credit bureau whenever it has knowledge of events that substantially change the status or the amount of the liability. ( d ) Other reporting of delinquent debts.Pursuant to31 CFR 901.4, delinquentoverpayment debts should be reported to theDepartment of Housing and Urban Development 's Credit Alert Interactive Voice Response System ( CAIVRS ). ( e ) Privacy Actconsiderations.Adelinquentdebt may not be reported under this section unless a notice issued pursuant to thePrivacy Act,5 U.S.C . 552a ( e ) ( 4 ), authorizes the disclosure of information about thedebtorto a credit bureau or CAIVRS. 15 U.S. Code 6805 - Enforcement a ) In general Subject to subtitle B of theConsumer Financial Protection Act of 2010 [ 12 U.S.C. 5511et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau ofConsumerFinancial Protection, theFederal functional regulators, the State insurance authorities, and theFederal Trade Commissionwith respect tofinancial institutionsand other persons subject to their jurisdiction under applicable law, as follows : 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptiveactsor practices. In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in theFederal Trade Commission Act, it is an unfair or deceptiveactor practice within the meaning of section 5 of thatActfor aseller, directly or indirectly, to : ( a ) Take or receive aconsumer credit contractwhich fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THISCONSUMER CREDIT CONTRACTIS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THESELLEROF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of anypurchase money loan ( aspurchase money loanis defined herein ), unless anyconsumer credit contractmade in connection with suchpurchase money loancontains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THISCONSUMER CREDIT CONTRACTIS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THESELLEROF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 17 CFR 240.15c1-2 - Fraud and misrepresentation. 240.15c1-2 Fraud and misrepresentation. ( a ) The termmanipulative, deceptive, or other fraudulent device or contrivance, as used insection15 ( c ) ( 1 ) of the Act ( section 2,52 Stat. 1075 ; 15 U.S.C. 78o ( c ) ( 1 ), is hereby defined to include any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person. ( b ) The termmanipulative, deceptive, or other fraudulent device or contrivance, as used insection15 ( c ) ( 1 ) of the Act, is hereby defined to include any untrue statement of amaterialfact and any omission to state amaterialfact necessary in order to make the statements made, in the light of the circumstances under which they are made, not misleading, which statement or omission is made with knowledge or reasonable grounds to believe that it is untrue or misleading. ( c ) Thescopeof thissectionshall not be limited by any specific definitions of the term manipulative, deceptive, or other fraudulent device or contrivance contained in other rules adopted pursuant tosection15 ( c ) ( 1 ) of the act.
12/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11234	Web
In accordance with the Fair Credit Reporting act. XXXX XXXX - {$1800.00} XXXX XXXX XXXXXXXX XXXX {$160.00} XXXX XXXX XXXX inquires- they should not be able to get any information or give any information to a non affiliate 3rd party company. 15 usc 1681j ( 9 ) Use of enquiries as a key factor If a key factor that adversely affects the credit score of a consumer consists of the number of enquiries made with respect to a consumer report, that factor shall be included in the disclosure pursuant to paragraph ( 1 ) ( C ) without regard to the numerical limitation in such paragraph. ( 2 ) Timing A consumer reporting agency shall provide a consumer report under paragraph ( 1 ) not later than 15 days after the date on which the re- quest is received under paragraph ( 1 ). f ) Prohibition on sale or transfer of debt caused by identity theft 15 usc 1681m ( 1 ) In general No person shall sell, transfer for consider- ation, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting act has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts. 15 U.S. Code 1681b - Permissible purposes of consumer reports a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau. The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. ( b ) CONDITIONS OF DISCLOSURE.No agency shall disclose any record which is contained in a system of records by any means of communica- tion to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 5 U.S. Code 552a - Records maintained on individuals ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or n ) Mailing Lists. An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. 16 CFR 313.3 ( 1 ) Nonaffiliated third party means any person except : ( ii ) A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third partyincludes the other company that jointly employs the person ). ( 2 ) Nonaffiliated third party includes any company that is an affiliate by virtue of your or your affiliate 's direct or indirect ownership or control of the company in conducting merchant banking or investment banking activities of the type 16 cfr 313.3 states ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 313.14 and 313.15. 1 ) You do not disclose any nonpublic personal information about the consumer to any nonaffiliated third party, 15 U.S. Code 1601- Congressional findings and declaration of purpose It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 15 U.S. Code 1681a - Definitions ; rules of construction ( u ) Reseller.The term reseller means a consumer reporting agency that ( 1 ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; and ( 2 ) does not maintain a database of the assembled or merged information from which new consumer reports are produced. debit card ( 3 ) Debit card. The term debit card means any card issued by a financial institution to a consumer for use in initiating an electronic fund transfer from the account of the consumer at such financial institution, for the purpose of transferring money between accounts or obtaining money, property, labor, or services. Source 15 USC 1681a ( r ) ( 3 ) electronic fund transfer means- ( 4 ) Account and electronic fund transfer. The terms account and electronic fund transfer have the same meanings as in section 1693a of this title. Source 15 USC 1681a ( r ) ( 4 ) account means-fund transfer have the same meanings as in section 1693a of this title. Source 15 USC 1681a ( r ) ( 4 ) ( t ) Financial Institution. The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. card issuer means ( 1 ) Card issuer. The term card issuer means ( A ) a credit card issuer, in the case of a credit card ; and ( B ) a debit card issuer, in the case of a debit card. Source 15 USC 1681a ( r ) ( 1 ) reseller means The term reseller means a consumer reporting agency that Source 15 USC 1681a ( u ) consumer reporting agency means ( A ) The term consumer reporting agency means a consumer reporting agency described in section 1681a ( p ) of this title. Source 15 USC 1681c-1 Open-end credit ( 20 ) Open-end credit means consumer credit extended by a creditor under a plan in which : Source 12 CFR 1026.2 12 CFR 1026.13 - Billing error resolution. 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. ( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required. the Irs states that a charge off is considered a certificate of indebtedness. these accounts on ChexSystems violated The privacy act of 1974 and which are here to protect me. XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXXXXXX XXXX {$160.00} XXXX XXXX XXXX XXXX they should not be able to get any information or give any information to a non affiliate 3rd party company.
07/03/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL XXXXX	Web
I am well aware of the court case as Chexsystems attorney attempted to re-present " XXXX XXXX '' as " XXXX XXXX '' > legal fiction XXXX entity to the court, i am not XXXX, i am alive, there has been a gross fraud and i can prove it, since there is no statute of limitations on fraud I will take further action for damages and it will be a non judicial administrative process known as a commercial lien, in this manner chexsystem 's attorney CAN NOT AND WILL NOT use my name as a XXXX entity known as XXXX and/or XXXX, chexsystems has not answered one question, I DONT GIVE A XXXX ABOUT WHO YOU ARE AND WHAT YOUR RULES ARE, IT DOESNT APPLY TO ME AND YOU HAVE NOT SHOWN A VALID CONTRACT WITH PROOF OF MY OBLIGATION TO PERFORM!!! TAKE YOUR RULES AND SHOVE IT UP YOUR XXXX XXXX!!!! I DIDNT SIGN IT, I WILL CATCH UP WITH YOU XXXX XXXX SOON ENOUGH WITH A COMMERCIAL LIEN AND YOUR LAWYER CAND DO A XXXX XXXX THING ABOUT IT,!!!! Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the living party you are asking to pay this debt, and there is PROOF of contractual obligation proving my obligations to perform or comply, that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request ( demand ) for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent tangible evidence that I have any legal/lawful obligation to pay you > or company. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character, & information breach, using fictitious names, reporting false information, punative, and what ever codes and laws that are applicable!. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, ( which it already has ). I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond with clarity to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. This also includes not contracting with other credit reporting companies or debt collectors using means of extortion in attempt to collect something that was never due. There is also the matter of information breach which CHEXSYSTEMS puts me at risk currently, It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this deb was assigned or sold to collector. Complete accounting of alleged debt. purchase price for information from alleged creditor*, Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for COLLECTION AGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Memorandum in support A misrepresentation is an assertion that is not in accord with the truth. When a person enters a contract because of his justifiable reliance on a misrepresentation about some important fact, the contract is voidable. Misrepresentations can be either : 1. innocent ( not intentionally deceptive ) or 2. fraudulent ( made with the knowledge of falsity and intent to deceive ). Contracts induced by misrepresentation or fraud are generally considered voidable. This means that the person whose consent was not real has the power to rescind ( cancel ) the contract. The elements of misrepresentation and fraud are as follows - notice the similarities. ( authors addition ) Innocent misrepresentation Fraud 1. Untrue assertion of fact ( or equivalent ) 2. Assertion relates to material fact 3. Actual reliance 4. Justifiable reliance 1. Untrue assertion of fact ( or equivalent ) 2. Assertion made with knowledge of falsity and intent to deceive 3. Actual reliance 4. Justifiable reliance 5. Economic loss ( in a tort action for damages PARTS OF A LAWFUL CONTRACT 1. Parties competent to contract The parties to a contract should be competent, being of the age of consent, of sound mind, not disqualified from contracting by any law to which s/he is subject. A flaw in capacity may be due to minority, lunacy, idiocy, drunkenness or kind. The parties should be of like kind, being either artificial Legal Entity and artificial Legal Entity, or living Man/Woman and living Man/Woman, allowing more than two parties but never a mixture of these kinds. 2. Free and genuine consent The consent of the parties to the agreement must be free and genuine. The consent of the parties should not be obtained by misrepresentation, fraud, undue influence, coercion or mistake. If the consent is obtained by any of these means, then the contract is not valid or lawfully enforceable. 3. Full disclosure When negotiating a contract, full disclosure is the act of providing all material information, or telling the whole truth, about any matter which may influence the decision-making of the other party or parties before they decide to enter into a contract. 4. Sufficient consideration The consideration is something of value possessed by the parties that is brought to the contract table. This something of value is bargained for and given in exchange for a promise or a performance. The parties must each receive a benefit and each suffer a detriment. To be enforceable, a contract must have sufficient consideration. A contract is unenforceable if it has insufficient or unequal consideration without agreement. 5. Certainty of terms The Terms and Conditions of the contract must be fully disclosed and agreed upon, and must be certain and fixed, i.e. not variable as with interest rates. 6. Meeting of the minds A meeting of the minds consensus ad idem, occurs between the parties when they recognise each other, understand their mutual obligations, and agree. This meeting of minds can only occur between like kinds, being Legal Entity with Legal Entity, or Man/Woman with Man/Woman. A corporation and another corporation may enter into contract by way of accommodation parties, and a sentient being and another sentient being may enter into a contract directly, but a corporation and a sentient being together can not enter into a contract as they are notof the same and equal kind. 7. Signatures or autographs Written contracts between Legal Entity actors must carry the wet ink signatures of the parties, each wet ink signature being anaccommodation from a Man/Woman. Written contracts between living Men/Women must carry the wet ink autographs of the parties, and/or living identification such as a thumbprint. Living standing is recognised by a thumbprint, or more often by an unambiguous declaration with the autograph, such as authorised agent written below. 8. Privity of contract A contract exists only between the parties. No third-party can obtain rights contained within a contract, or buy or sell a contract, without the express permission of the original parties. Best Regards XXXX XXXX. cc : Federal Trade Commission. THIS IS A LETTER COMMUNICATION FROM LEGAL COUNSEL ON BEHALF OF XXXX XXXX
12/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11234	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting act has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts. 15 U.S. Code 1681b - Permissible purposes of consumer reports a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau. The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. ( b ) CONDITIONS OF DISCLOSURE.No agency shall disclose any record which is contained in a system of records by any means of communica- tion to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 5 U.S. Code 552a - Records maintained on individuals ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or n ) Mailing Lists. An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. 16 CFR 313.3 ( 1 ) Nonaffiliated third party means any person except : ( ii ) A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third partyincludes the other company that jointly employs the person ). ( 2 ) Nonaffiliated third party includes any company that is an affiliate by virtue of your or your affiliate 's direct or indirect ownership or control of the company in conducting merchant banking or investment banking activities of the type 16 cfr 313.3 states ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 313.14 and 313.15. 1 ) You do not disclose any nonpublic personal information about the consumer to any nonaffiliated third party, 15 U.S. Code 1601- Congressional findings and declaration of purpose It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 15 U.S. Code 1681a - Definitions ; rules of construction ( u ) Reseller.The term reseller means a consumer reporting agency that ( 1 ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; and ( 2 ) does not maintain a database of the assembled or merged information from which new consumer reports are produced. debit card ( 3 ) Debit card. The term debit card means any card issued by a financial institution to a consumer for use in initiating an electronic fund transfer from the account of the consumer at such financial institution, for the purpose of transferring money between accounts or obtaining money, property, labor, or services. Source 15 USC 1681a ( r ) ( 3 ) electronic fund transfer means- ( 4 ) Account and electronic fund transfer. The terms account and electronic fund transfer have the same meanings as in section 1693a of this title. Source 15 USC 1681a ( r ) ( 4 ) account means-fund transfer have the same meanings as in section 1693a of this title. Source 15 USC 1681a ( r ) ( 4 ) ( t ) Financial Institution. The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. card issuer means ( 1 ) Card issuer. The term card issuer means ( A ) a credit card issuer, in the case of a credit card ; and ( B ) a debit card issuer, in the case of a debit card. Source 15 USC 1681a ( r ) ( 1 ) reseller means The term reseller means a consumer reporting agency that Source 15 USC 1681a ( u ) consumer reporting agency means ( A ) The term consumer reporting agency means a consumer reporting agency described in section 1681a ( p ) of this title. Source 15 USC 1681c-1 Open-end credit ( 20 ) Open-end credit means consumer credit extended by a creditor under a plan in which : Source 12 CFR 1026.2 12 CFR 1026.13 - Billing error resolution. 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. ( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required. the Irs states that a charge off is considered a certificate of indebtedness. these accounts on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they should not be able to get any information or give any information to a non affiliate 3rd party company.
02/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	ND 58103	Web
Dear Sir or Madam : I, XXXX XXXX XXXX ( the Complainant ) had received, my Chex System Inc. ( ChexSystems ) Consumer Identification Number, XXXX, report file dated on XX/XX/XXXX sent by way of the United States Postal Service ( USPS ) mail Carrier who had placed, my ChexSystems Consumer Report into my residential building located at XXXX XXXX XXXX XXXX, XXXX XXXX, in the City of XXXX, in the State of XXXX XXXX and in the zip code area of XXXX, mail box dated on XX/XX/XXXX. And, I had noticed onto my ChexSystems Consumer Identification Number, XXXX, report file dated on XX/XX/XXXX, two ( 2 ) unknown fictitious full names ( XXXX XXXX XXXX ) and one ( 1 ) very old cellular phone number are as follows : 1. XXXX XXXX XXXX, 2. XXXX XXXX XXXX, and 3. XXXX ( See Exhibit A ) which the [ se ] above XXXX XXXX XXXX are unknown fictitious full names and one ( 1 ) very old cellular phone number are known as, unknown aliases to I. In accordance to the United States Federal statute states : The actual statutes governing the using of XXXX XXXX XXXX is a Corpus Juris Secundum ( CJS ) 67A Parties 171, as unknown and Fictitious Name as case : 816 So. 2d 367, 153 A.2d 594, 788 A.2d 867 and 306 A.2d 186. To be ignorant of the [ se ] name [ s ] of the [ se ] Defendant [ s ], as basis for designating that the [ se ] Defendant [ s ] by a fictitious name [ s ] and amending of this complaint when the [ se ] Defendant [ s ] true name [ s ] which matches their authentic or original identification of goods, identity instruments and identifiers are discovered, so that the Complainant, through her complaint relations can return back to this original or amended complaint [ s ] can avoid the bar of the statute of limitations, and the Complainant must be ignorant of the identities of the [ se ] Defendant [ s ] and, ignorant of the facts giving rise to a cause of actions against the [ se ] Defendant [ s ] or, unaware that the laws provided a cause of actions against the [ se ] Defendant [ s ]. My full legal name, XXXX XXXX XXXX is extremely rare within the United States quantifiable and algorithm data files systems. Therefore, my questions are to the ChexSystems customer services representative [ s ] or manager [ s ] are as follows : 1. How was XXXX XXXX XXXX were able to obtained banking institutional clearances from ChexSystems in order to opened a checking, savings and [ or ] investment accounts and [ or ], cleared handwritten personal checks without XXXX XXXX XXXX using their own actual authentication features or Personal Identifiable Information ( PII ) used, as proof or evidence to who [ m ] XXXX XXXX XXXX really are? 2. When XXXX XXXX XXXX does not match my authentic or original date of birth, social security number, XXXX XXXX State, real identification driver license card number, passport number, email address ( XXXX ) and residential address [ es ] including my other PII such as, my educational attainments academic number [ s ] and birth certificate number? In advance, ChexSystems employees knowingly and willfully knew, he or she is mandated to uphold the Federal, Fair Credit Reporting Act ( FCRA ) under Title 15 U.S.C. 1681 et seq. in order to promote ChexSystems accuracy, fairness and privacy of information in an algorithm data files for consumer reporting representation profiles and inquires requests. However, please keep in mind, I am not implying and [ or ] accusing ChexSystems employees in favor of facilitating or promoting fraudulent activities such as, identity thefts within the ChexSystems files reporting system. Instead, I am implying the [ se ] accomplices are some banking institutions, rental agencies and retailer industries employees who [ m ] are agitator [ s ] or agent provocateur [ s ] in favor of facilitating and promoting identity thefts and false personations criminal acts within the [ se ] banking institutions, rental agencies and retailer industries. After, XXXX XXXX XXXX had intentionally changed his or her legal full name ; in order to match, link, connect, mirror, alter and [ or ] manipulate against my full legal name, XXXX XXXX XXXX onto their false authentication features and to insert false and [ or ] actual authentication features into my ChexSystems consumer identification number, XXXX, reported file data without my legal authorizations, consents, acknowledgements or knowing and willful participations into XXXX XXXX XXXX said, aliases full names changed conspiracies into those banking institutions, rental agencies and [ or ] retailer industries forged applications signatures. Nor was I sent, any official notification [ s ] from those banking institutions, rental agencies and [ or ] retailer industries that my actual authentication features or PII had been unlawfully compromised by their employees, customers or non-employees ( affiliates ). Furthermore, XXXX XXXX XXXX had unlawfully changed his or her legal full name with a malice aforethought in premeditated criminal intents ; in order to match, link, connect, mirror, alter and [ or ] manipulate against my legal full name, XXXX XXXX XXXX in which, XXXX XXXX XXXX obtained unlawfully accesses to my XXXX XXXX State, and XXXX birth State and Federal Agencies files data systems using their supposedly his or her legitimate court document [ s ] name changes that matches against my legal full name, XXXX XXXX XXXX unlawfully without XXXX XXXX XXXX actual authentication features or PII proofs or evidences. While the [ se ] banking institutions, rental agencies and retailer industries employees knowingly and willfully knew XXXX XXXX XXXX actual authentication features or PII ( e.g. date of births, social security numbers, state driver licenses and [ or ] state identification cards numbers, passport numbers, email addresses, birth certificates numbers, residential addresses, academic transcripts numbers and etc. ) does not match my XXXX XXXX State, and XXXX birth State and Federal agencies governmental files data systems. And, somehow, XXXX XXXX XXXX are repeatedly able to slip through either National Security Clearances investigations and face-to-face checkpoints profiles and forensic biometrics cracks into security background checks using false authentication features and to insert false and [ or ] actual authentication features. In order to impede, hinder or obstruct identity thefts and false personations investigations against XXXX XXXX XXXX from any Law Enforcement and [ or ] credit bureau agencies with the purpose of intentionally and deliberately disidentified me onto my ChexSystems consumer identification number, XXXX, reported file data account. In an unfair investigative and [ or ] deceptive business practices are those ones that offends an established public policy [ FCRA ], in a [ n ] immoral, unethical, oppressive, unscrupulous or substantially injurious actions against me by ways of XXXX XXXX XXXX who [ m ] intentionally and deliberately changed his or her legal full names. In order to obtained unlawfully accesses to my XXXX XXXX State, and XXXX birth State and Federal Agencies files data systems background actual authentication features, identification of goods and documentations by ways of false authentication features and to insert false and [ or ] actual authentication features using DOE ET AL legal full names changes that matches against my full legal name, XXXX XXXX XXXX. Intended for the ChexSystems future references regarding my unbelievable continuous violations and retaliations circumstances into XXXX XXXX XXXX legal full names changes that matches against my legal full name, XXXX XXXX XXXX, I had not written any manual banking institutional handwritten personal checks, since XXXX. Also, I have been a customer of XXXX XXXX XXXX, banking institution for more than nine ( 9 ) years with only four ( 4 ) active and official bank accounts held in my full legal name, XXXX XXXX XXXX. And, I will only disburse payees payments through my online XXXX XXXX XXXX accounts, in order to generated checks paid to payees which, XXXX XXXX XXXX has potentially eliminated identity thefts from XXXX XXXX XXXX handwritten personal checks forgeries. This letter is intended to contextualize legal binding acknowledgements that I, XXXX XXXX XXXX ( the Complainant ) had not authorized, consented, acknowledged, waived my legal rights in affidavits and [ or ] Power of Attorneys to any person and [ or ], knowingly and willfully participated in a said, XXXX XXXX XXXX full names changes aliases fraudulent activities in identity thefts and false personations conspiracies.
06/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL XXXXX	Web
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the living party you are asking to pay this debt, and there is PROOF of contractual obligation proving my obligations to perform or comply, that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request ( demand ) for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent tangible evidence that I have any legal/lawful obligation to pay you > or company. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX , XXXX , XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character, & information breach, using fictitious names, reporting false information, punative, and what ever codes and laws that are applicable!. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, ( which it already has ). I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond with clarity to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. This also includes not contracting with other credit reporting companies or debt collectors using means of extortion in attempt to collect something that was never due. There is also the matter of information breach which XXXX puts me at risk currently, It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this deb was assigned or sold to collector. Complete accounting of alleged debt. purchase price for information from alleged creditor*, Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for COLLECTION AGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Memorandum in support A misrepresentation is an assertion that is not in accord with the truth. When a person enters a contract because of his justifiable reliance on a misrepresentation about some important fact, the contract is voidable. Misrepresentations can be either : 1. innocent ( not intentionally deceptive ) or 2. fraudulent ( made with the knowledge of falsity and intent to deceive ). Contracts induced by misrepresentation or fraud are generally considered voidable. This means that the person whose consent was not real has the power to rescind ( cancel ) the contract. The elements of misrepresentation and fraud are as follows - notice the similarities. ( authors addition ) Innocent misrepresentation Fraud 1. Untrue assertion of fact ( or equivalent ) 2. Assertion relates to material fact 3. Actual reliance 4. Justifiable reliance 1. Untrue assertion of fact ( or equivalent ) 2. Assertion made with knowledge of falsity and intent to deceive 3. Actual reliance 4. Justifiable reliance 5. Economic loss ( in a tort action for damages PARTS OF A LAWFUL CONTRACT 1. Parties competent to contract The parties to a contract should be competent, being of the age of consent, of sound mind, not disqualified from contracting by any law to which s/he is subject. A flaw in capacity may be due to minority, lunacy, idiocy, drunkenness or kind. The parties should be of like kind, being either artificial Legal Entity and artificial Legal Entity, or living Man/Woman and living Man/Woman, allowing more than two parties but never a mixture of these kinds. 2. Free and genuine consent The consent of the parties to the agreement must be free and genuine. The consent of the parties should not be obtained by misrepresentation, fraud, undue influence, coercion or mistake. If the consent is obtained by any of these means, then the contract is not valid or lawfully enforceable. 3. Full disclosure When negotiating a contract, full disclosure is the act of providing all material information, or telling the whole truth, about any matter which may influence the decision-making of the other party or parties before they decide to enter into a contract. 4. Sufficient consideration The consideration is something of value possessed by the parties that is brought to the contract table. This something of value is bargained for and given in exchange for a promise or a performance. The parties must each receive a benefit and each suffer a detriment. To be enforceable, a contract must have sufficient consideration. A contract is unenforceable if it has insufficient or unequal consideration without agreement. 5. Certainty of terms The Terms and Conditions of the contract must be fully disclosed and agreed upon, and must be certain and fixed, i.e. not variable as with interest rates. 6. Meeting of the minds A meeting of the minds consensus ad idem, occurs between the parties when they recognise each other, understand their mutual obligations, and agree. This meeting of minds can only occur between like kinds, being Legal Entity with Legal Entity, or Man/Woman with Man/Woman. A corporation and another corporation may enter into contract by way of accommodation parties, and a sentient being and another sentient being may enter into a contract directly, but a corporation and a sentient being together can not enter into a contract as they are notof the same and equal kind. 7. Signatures or autographs Written contracts between Legal Entity actors must carry the wet ink signatures of the parties, each wet ink signature being anaccommodation from a Man/Woman. Written contracts between living Men/Women must carry the wet ink autographs of the parties, and/or living identification such as a thumbprint. Living standing is recognised by a thumbprint, or more often by an unambiguous declaration with the autograph, such as authorised agent written below. 8. Privity of contract A contract exists only between the parties. No third-party can obtain rights contained within a contract, or buy or sell a contract, without the express permission of the original parties. Best Regards XXXX XXXX . cc : Federal Trade Commission. THIS IS A LETTER COMMUNICATION FROM LEGAL COUNSEL ON BEHALF OF XXXX XXXX
05/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	XXXXX	Web
From : XXXX XXXX Report ID number is not available Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ] Dear XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my XXXX consumer report. The accounts started to appear after i left the United states back in XXXX. all of these accounts does not belong to me!!!!!. : Dispute 1 Checking account from XXXX XXXX Source of dispute information : XXXX XXXX Report Name : XXXX XXXX SSN/Tax ID # : XXXX Phone : XXXX Phone : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX USA ID # : XXXX XXXX XXXX ID Type : Driver 's License/USA ID State : NY ID Exp. Date : XX/XX/XXXX Alt ID State : NY Date of Birth : XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX Account Type : Primary signer Incident Date : XX/XX/XXXX Principal Loss : {$310.00} Fee Reversal : {$42.00} Combined Loss & Fee Reversal : {$0.00} Paid/UnPaid/Settled : Unpaid Im the victim of identity theft and I dont recognize this account on my report. Also I have already filed report to identitytheft.gov reference number XXXX Dispute 2 Checking account from XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, Phone : XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Im the victim of identity theft and I dont recognize this account on my report. Also I have already filed report to identitytheft.gov reference number XXXX Dispute 3 Checking account from XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause-Purged Previous Account Status : Closed For Cause Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX USA SSN : XXXX Date of Birth : XX/XX/XXXX Email Addresses : XXXX Im the victim of identity theft and I dont recognize this account on my report. Also I have already filed report to identitytheft.gov reference number XXXX Dispute 4 Checking account from XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX US SSN : XXXX Date of Birth : XX/XX/XXXX Im the victim of identity theft and I dont recognize this account on my report. Also I have already filed report to identitytheft.gov reference number XXXX I was even not in the United States while this account has been opened and functioning, please find attached I-94 Form. Dispute 4 Checking account from XXXX XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed Previous Account Status : Overdrawn Date of Last Status Change : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX XXXX XXXX ID Type : DRIVERS_LICENSE_US ID State : NY ID Expire Date : XX/XX/XXXX Im the victim of identity theft and I dont recognize this account on my report. Also I have already filed report to identitytheft.gov reference number XXXX I was even not in the United States while this account has been opened and functioning, please find attached I-94 Form. Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause Previous Account Status : Ne Date of Last Status Change : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX XXXX XXXX ID Type : DRIVERS_LICENSE_US ID State : NY ID Expire Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause Previous Account Status : New Account Date of Last Status Change : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX XXXX XXXX ID Type : DRIVERS_LICENSE_US ID State : NY ID Expire Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause Previous Account Status : New Accoun Date of Last Status Change : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXXXXXX Date of Birth : XX/XX/XXXX ID # : XXXX XXXX XXXX ID Type : DRIVERS_LICENSE_US ID State : NY ID Expire Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause Previous Account Status : New Account Date of Last Status Change : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX XXXX XXXX ID Type : DRIVERS_LICENSE_US ID State : NY ID Expire Date : XX/XX/XXXX Please also see hard inquires made to my report Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX Phone : XXXX SSN/TIN # : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : State identification ID State : NY ID Country : USA ID Expiration Date : XX/XX/XXXX Inquirer : XXXX XXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Inquirer : XXXX XXXX Phone : XXXX SSN/TIN # : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : State identification ID State : NY ID Country : USA ID Expiration Date : XX/XX/XXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, IL XXXX Phone : XXXX SSN/TIN # : XXXX Date of Birth : XX/XX/XXXX Inquirer : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Account Open Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : XXXX SSN/TIN # : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : Driver 's License ID State : NY ID Expiration Date : XX/XX/XXXX Inquirer : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : XXXX SSN/TIN # : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : Driver 's License/USA ID State : NY ID Country : USA ID Expiration Date : XX/XX/XXXX Inquirer : XXXX XXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Account Open Date : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX Phone : XXXX SSN/TIN # : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : Driver 's License ID State : NY ID Expiration Date : XX/XX/XXXX Inquirer : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Inquirer : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX Phone : XXXX SSN/TIN # : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : Driver 's License/USA ID State : NY ID Country : USA ID Expiration Date : XX/XX/XXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Account Open Date XXXX XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX Phone : XXXX SSN/TIN # : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : Driver 's License ID State : NY ID Expiration Date : XX/XX/XXXX Inquirer : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX Phone : XXXX SSN/TIN # : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : Driver 's License/USA ID State : NY ID Country : USA ID Expiration Date : XX/XX/XXXX Inquirer : XXXX XXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX Phone : XXXX SSN/TIN # : XXXX Date of Birth : XX/XX/XXXX Inquirer : XXXX XXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX Phone : XXXX SSN/TIN # : XXXX Date of Birth : XX/XX/XXXX Inquirer : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, IL XXXX Phone : XXXX SSN/TIN # : XXXX Date of Birth : XX/XX/XXXX Inquirer : XXXX XXXX Thank you for your assistance. Sincerely, XXXX XXXX
11/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 10304	Web
Charged off accounts that are fraudulent transactions The OFFICE OF COMPTROLLER OF THE CURRENCY ( OCC ) And FEDERAL TRADE COMMISSION Were Contacted And Reports Were Generated For the Following Accounts Associated Which The Stated Banks/ Financial institutions. 1 ) XXXX XXXX XXXX In The Amount Of {$180.00} 2 ) XXXX XXXX XXXX XXXX In The Amount Of {$95.00} 3 ) XXXX XXXX XXXX In The Amount OXXXX {$1100.00} 4 ) XXXX XXXX XXXX In The Amount Of {$610.00} In Addition There are a bunch Inquiries that need to be removed I DID NOT AUTHORIZE The doctrine of privity contract ( s ) is a common law principle which provides that a contract can not confer rights or impose obligations upon any person who is not a party to the contract. The premise is that only parties to contracts should be able to sue to enforce their rights or claim damages as such. Res Judicata : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON US ASSET MANAGEMENT INC. CONTRACT, FOR DETERMINATION 'UNCONSCIONABLE CONTRACT ' AND AGREEMENT FOR COMMERCIAL DISCHARGE, I am in receipt of and conditionally accept for value ( honor ) " Demand For Payment Of Debt '' It has come to my attention that as applied to the above matter, that there may not have been a true qualified 'meeting of the minds, ' that there may be fraud or misrepresentation on the contract and/or the contract itself may be an unconscionable contract, or other controversies that may exist within this contract/transaction. As I want to resolve this matter as soon as possible, I am initiating this private-administrative remedy to determine such matters and I do not agree to make payment ( s ) predicated upon your claim. This Equality of Opportunity is to let the lawful record of 15 USC 1992 ( a ) Abusive practices ( b ) Inadequacy of laws ( c ) Available non-abusive collection methods ( d ) Interstate commerce ( e ) Purposes, required by FEDERAL LAW. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. FDIC Law, Regulations, Related Acts. https : //www.fdic.gov/regulations/laws/rules/8000-1250.html USC 1306 . The FTC 's Bureau of Consumer Protection Act ( s ). This Equality of Opportunity is to let the lawful record of The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), reflect that you are required by federal and state law to verify through the physical verification of the original signature of consumers contract any and all accounts you post on any of my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 3-308. PROOF OF SIGNATURES AND STATUS AS HOLDER IN DUE COURSE. I demand to see Verifiable Proof of my original Consumer Contract with my Signature on the instrument you have on file of the accounts listed. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account ( s ) listed below. See Attached Instrument ( s ) Proof Of Claim Proof Of Delivery Rescind Debt, Discharge Debt In Accordance To HJR 192 Act of 1933. IRS codes section 1.1001-1 ( 4657 ) C.C.H. states that Federal Reserve Notes ( Dollars ) are valueless. The only lawful money of the United States Of America are gold and silver coins with 1 oz. XXXX XXXX XXXX, XXXX XXXX, page XXXX, defines Banking. The business of banking, as defined by law and custom, consists in the issue of notes intended to circulate as money..And defines a Bankers Note as : A commercial instrument resembling a bank note in every particular except that it is given by a XXXX XXXXr or XXXX XXXX XXXX. XXXX XXXX XXXX is a Financial Institution ; XXXX XXXX XXXX ; and Financial Agency pursuant to 31 U.S.C. 5312 and a XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX under ( U.C.C. 2-304 ) that states, The price can be made payable in money or otherwise. IRS codes section 1.1001-1 ( 4657 ) C.C.H. states that Federal Reserve Notes ( Dollars ) are valueless. The only lawful money of the United States Of America are gold and silver coins with 1 oz XXXX pure gold or silver as per Articles VIII and X of the Constitution For the United States of America. XXXX XXXX XXXX or lender promissory notes requiring legal money that is not true money such as : bank checks, cash, check, money orders, attorney checks, bank transfers, wire transfers, FEDERAL RESERVE PROMISSORY NOTE DOLLARS, cashier checks, and certified checks from a bank, attorney, or escrow company are illegal pursuant to Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258 ( XX/XX/XXXX ). Contracts requiring legal money such as cash, check, money orders, bank transfers, wire transfers, and Federal Reserve Notes ( DOLLARS ) are illegal and unlawful by Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258 ( XX/XX/XXXX ). All debts today are discharged by promises to pay in the future. All Federal Reserve Notes, DOLLARS, are registered securities and promise to pay in the future. FRNs are secured by the utility of alive men 's energy or labor. When quoting U.C.C. statutes, the courts require them to be quoted with State or Federal statute designation. U.C.C. codes are XXXX XXXX statutes, but are codified in every local jurisdiction. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX. In accordance with 31 U.S.C. 5103 and 18 USC 8, such Note instruments are national bank currency and thereby coin or currency of the United States by statutory definition and can be issued by XXXX XXXX who are banking members of the XXXX XXXX XXXX XXXX XXXX XXXX, and are THE EQUIVALENT OF MONEY as per 12 USC 1813 ( L ) and must be accepted by all banks and financial institutions as payoff, set off, discharge, and full settlement of all debts and loans. Failure to remove this debt will result in legal action HJR 192 ACT OF 1933 PUBLIC LAW 73-10 31 U.S.C. 3123 - U.S. Code - Unannotated Title 31. Money and Finance 3123. Payment of obligations and interest on the public debt. XXXX. Payment of obligations and interest on the public debt ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons. ( c ) ( 1 ) The Secretary may issue a bond, note, or certificate of indebtedness authorized under this chapter whose principal and interest are payable in a foreign currency stated in the bond, note, or certificate. The Secretary may dispose of the bonds, notes, and certificates at a price that is at least par value without complying with section 3102 ( b ) ( d ) of this title. ( 2 ) In determining the dollar amount of bonds, notes, and certificates of indebtedness that may be issued under this chapter, the dollar equivalent of the amount of bonds, notes, and certificates payable in a foreign currency is determined by the par of the exchange value on the date of issue of the bonds, notes, or certificates as published by the Secretary under SECTION 5151 OF THIS TITLE. ( 3 ) The Secretary may designate depositaries in foreign countries in which any part of the proceeds of bonds, notes, or certificates of indebtedness payable in the foreign currency may be deposited. ( PUB. XXXX XXXX, XXXX XXXX, XXXX, XXXX STAT. XXXX. ) CITE AS : 31 USC 3123
06/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CA 912XX	Web
I am writing to report the persistent disregard for federal law and violations of my privacy rights by Chexsystems, XXXX, XXXX, XXXX, and XXXX. I started sending dispute letters to listed companies on XX/XX/XXXX all certified mail so I can have proof. Despite sending multiple dispute letters, along with supporting documents, I have received verified and stall letters instead of proper investigation and deletion of the inaccurate items. This negligence has caused significant stress and health issues in my life. Under the Fair Credit Reporting Act ( FCRA ), these consumer reporting agencies are required to promptly investigate disputes. However, they have consistently ignored the documents I provided, resulting in inaccurate reporting. XXXX is the main source of all of this inaccurate and fraudulent information. They are reporting an inaccurate and fraudulent charge-off to Chexsystems ( in the amount of {$4900.00} ), in addition to an inaccurate late payment to XXXX XXXX and XXXX. ( The date of the transaction is XX/XX/XXXX ) Before i go into detail, it should be stated that XXXX a consumer reporting agency used by the three major bureaus to verify information has already deleted the late payment from their system. They are the only company that actually viewed the information and took the correct action. ( I provided the document to aid you ) The fact that XXXX immediately deleted the inaccurate information while the others did not tells me that my letters are not being taken seriously by XXXX, XXXX XXXX, XXXX and chexsystems. I have attached all the documentation in this complaint proving my claim and it shows in great detail how and where they are violating federal law, committing tax fraud ( XXXX ) and aiding in aggravated identity theft against me. I told XXXX that my debit card was stolen and someone was depositing checks and making transactions but they did nothing, they also will not provide any pictures of the checks. They will not send me any information and sent me a letter saying I have to pay them for any documents. I also included the stall letters they have sent to me claiming they did an investigation but all I got in return was verified letters with no documentation. I was a victim of fraud and identity theft when I had an account with XXXX and I called to let them know immediately that someone stole my debit card and was depositing checks pretending to be me. No action was taken, and I was forced to close the account to prevent further damages from occurring. Instead of doing an investigation they inaccurately placed the information on my consumer report. They also charged off the account which is prohibited ( this is also identified as tax fraud by the IRS ) as stated on the IRS 1099C form which i provided for you and highlighted the section for your convenience. The IRS publication 4681 ( page 3 ) states that canceled debt should be reported as gross income. They are reporting this account to chexsystems as a charge-off which is a canceled debt. The federal government clearly defines what should be on a consumer report and income is not included, thus making their furnished information inaccurate and should be deleted promptly. 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. Income is not included in this definition of a consumer report. The canceled debt/ charge off is a write-off which is considered income which doesnt belong on my consumer report which is a violation of the FCRA. Thus making the information XXXX is furnishing to chexsystems inaccurate by federal law. In addition to the fraudulent and inaccurate charge off being reported, XXXX is furnishing a late payment which should not be included on my consumer report. ( If you look at my entire credit history I have not had a single late payment, so this is clearly an uncharacteristic late payment and is an error on their part. Once again I paid them twice for this payment to cover both payments but they did not process the transaction correctly. ) The legal definition of a transaction states an event associated with business dealings conducted between two or more parties that involve the formation and performance of an obligation or contract. Late payments fall under this category and according to 15 U.S. Code 1681 ( a ) ( 2 ) ( i ) -Exclusions transactions or experiences are to be excluded from the consumer report. This is a violation of the fair credit reporting act and federal law. I have sent this information to not only XXXX but all of the earlier listed consumer reporting agencies but they never review the information they just send me verified letters. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose states that I have a right to privacy as well which is being violated because I never gave any consent to furnish any information. On top of that the information being furnished is inaccurate. 15 U.S. Code 1681s-2 ( a ) states that its the duty of data furnishers to provide accurate information. The definition of accurate is correct in all details ; exact and precise. The information they are furnishing clearly and undoubtedly is not precise or correct in all details. Following your compliance standard of a maximum of 50 pages I only provided 38, but I could easily provide over 100 pages of disputes and stall letters these companies keep sending me. ( I have provided highlighted publications and laws from the FCRA for your convenience and to aid you with your research ) In conclusion, their actions not only violate federal law but also infringe upon my privacy rights. As a result, I have experienced XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX due to the financial uncertainty caused by their mishandling of my disputes. For the past 4 years since I have lived in XXXX XXXX, I have had to sleep in work offices, stay with co-workers or stay in my car because I can not open a bank account or get approved for an apartment. I urge you to thoroughly investigate this matter and take appropriate action against these agencies. Its disheartening to see that financial institutions and consumer reporting agencies dont have to follow federal protocol like the rest of us United States citizens. They must be held accountable for their actions, ensuring compliance with federal law and protecting the rights and well-being of consumers. Thank you for your attention to this urgent issue. This is my final attempt to cure this issue before I take litigious action. My health is important to me and this has been a primary contributor to my health issues and mode of living.
10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95503	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ChexSystems Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Subject : Identity Theft Reporting To Whom It May Concern, I am writing to report a case of identity theft on my ChexSystems account. I recently discovered unauthorized activity on my ChexSystems report, which is a result of identity theft. 1. Account Information : - ChexSystems Report Number : XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXX 2. Details of Unauthorized Activity : Inquiries Viewed By Others This section refers to transactions involving you and are the result of someone accessing your ChexSystems information, typically in connection with a business transaction you initiated with them. The company listed on this type of inquiry requested information from your consumer file on the date ( s ) specified. These inquires may impact your consumer report and may be included in reports to others. These inquiries remain on your file for up to 3 years. XXXX : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX Name Provided : XXXX XXXX Address Provided : XXXX XXXX XXXX XXXX CA XXXX SSN/ID Provided : XXXX Drivers License : XXXX State : CA Email : No Information Found Inquirer : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX , XXXX , MD XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Name Provided : XXXX XXXX XXXX Address Provided : XXXX XXXX XXXX XXXX CA XXXX SSN/ID Provided : XXXX Drivers License : XXXX State : CA Email : No Information Found Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, WA XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Name Provided : XXXX XXXX XXXXXXXX Address Provided : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SSN/ID Provided XXXX XXXX XXXX Numbers : XXXX Drivers License : XXXX State XXXX CA Email : No Information Found Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX XXXX : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX XXXX Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX XXXX XXXX : XXXX Name XXXX XXXX XXXX XXXX XXXX : No Information Found Address Provided : XXXX XXXX XXXX XXXX CA XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX, XXXX, MD XXXX Phone Number : XXXX Inquiry Date XXXX XX/XX/XXXX SSN/ID Provided : XXXX Name Provided : XXXX XXXX Email : No Information Found Address Provided : XXXX XXXX XXXX XXXX CA XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX, XXXX, MI XXXX Phone XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX SSN/ID Provided : XXXX Name Provided XXXX XXXX XXXX Email : No Information Found Address Provided : XXXX XXXX XXXX XXXX CA XXXX Inquiries Viewed Only By You XXXX XXXX XXXX ) This section refers to transactions you may or may not have initiated. For this reason, you may not always recognize the source. Inquiries made by medical providers may also be included in this section. The information listed in this section is only viewable by you. It is not included in reports to others and does not negatively affect your consumer report. Inquirer : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, CA XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX Name Provided : XXXX XXXX Address Provided : XXXX XXXX XXXX XXXX CA XXXX SSN/ID Provided : XXXX Phone Numbers : XXXX, XXXX Email : No Information Found Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, CA XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX SSN/ID Provided : XXXX Name Provided : XXXX XXXX XXXX Email : No Information Found Address Provided : XXXX XXXX XXXX XXXX CA XXXX Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX , IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXXXXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, CA XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX SSN/ID Provided : XXXX Name Provided : XXXX XXXX XXXX Email : No Information Found Address Provided : XXXX XXXX XXXX XXXX CA XXXX Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX SUITE XXXX, XXXX XXXX CA XXXX XXXX Number : XXXX Inquiry Date : XX/XX/XXXX SSN/ID Provided : XXXX Name Provided : XXXX XXXX XXXX Email : No Information Found Address Provided : XXXX XXXX XXXX XXXX CA XXXX Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX Number : XXXX Inquiry XXXX : XX/XX/XXXX XXXX Provided : XXXX Name Provided : XXXX XXXX XXXX Email : No Information Found Address XXXX : XXXX XXXX XXXX XXXX CA XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXXXXX, XXXX, CA XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX SSN/ID Provided : XXXX Name Provided : XXXX XXXX XXXX Email : No Information Found Address Provided : XXXX XXXX XXXX XXXX CA XXXX Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX : XXXX Name Provided : XXXX XXXX XXXX Email : No Information Found Address Provided : XXXX XXXX XXXX XXXX CA XXXX Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, CA XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX SSN/ID Provided : XXXX Name Provided : XXXX XXXX XXXX Email : No Information Found Address Provided : XXXX XXXX XXXX XXXX CA XXXX Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX, XXXX, CA XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX SSN/ID Provided : XXXX Name Provided : XXXX XXXX XXXX Email : No Information Found Address Provided : XXXX XXXX XXXX XXXX CA XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX XXXX XXXX SUITE XXXX, XXXX, CA XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX Name Provided : XXXX XXXX XXXX Address Provided : XXXX XXXX XXXX XXXX CA XXXX XXXX. Supporting Documentation : - Enclosed are copies of supporting documents that verify my identity and confirm the identity theft, including a copy of my government-issued ID, a police report, and any other relevant information. 4. Request for Investigation : - I kindly request that ChexSystems investigate this matter promptly and take appropriate actions to correct the inaccurate information on my report. 5. Contact Information : - You can contact me at ( XXXX ) XXXX or XXXX to discuss this matter further. I understand that the investigation may take some time, and I request that you provide me with regular updates on the status of my case. I appreciate your prompt attention to this matter and the resolution of the identity theft issue on my ChexSystems report. Please notify me in writing once the investigation is complete. Sincerely, XXXX XXXX XXXX
04/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	ND 58103	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, North Dakota XXXX Email Address : XXXX Phone Number : XXXX Chex Systems , Inc XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Minnesota XXXX XXXX Phone : XXXX XXXX : XXXX XXXX XXXX ChexSystems Consumer ID : Disclosure Report Displays an Incorrect Fictitious Name, XXXX XXXX XXXX Dispute Requests Problems Dear Sir or Madam : I, XXXX XXXX XXXX XXXX Complainant ) had ran my online Chex Systems , Inc ( ChexSystems ) consumer identification number,, Disclosure Report dated on XX/XX/XXXX ( Monday ). After, I had answered, my ChexSystems identity protection questions correctly onto the ChexSystems online web application then I had noticed onto my ChexSystems Disclosure Report, the fictitious name, XXXX XXXX XXXX who had been unlawfully reported into my ChexSystems Disclosure file account, without my lawful authorities. See Exhibit A. And, I had filed an official dispute dated on XX/XX/XXXX XXXX Monday XXXX, in regard to an assailant with a fictitious, similar, or an exact name, as my [ full ] legal name XXXX XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX : who had unlawfully written [ bad ] personal checks, or who had unlawfully cashed his/her checks using my personal identifiable information or PII such as, social security number without my lawful authorities, or who had unlawfully and intentionally changed his or her legal name in order to trafficked, in false or authentication features or used in false identification document. In order to matched, linked, mapped, or connected to my [ full ] legal name, XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX, or ascribed to a similar name characteristic such as, XXXX XXXX XXXX. And, the assailant who has a malice aforethought in a premeditated criminal intents to write those forged checks which is matched, linked, mapped, or connected into my ChexSystems disclosure file account, without any legitimate proof or evidence is highly probable because the assailant had unlawfully written those [ bad ] checks or cashed his/her checks with the malicious intents to cause me false personations and identity thefts problems by ways of using my PII and, use my ChexSystems identity disclosure file account, as a harassment tools for no apparent reasons. Therefore, my full legal name is XXXX XXXX XXXX, and not XXXX XXXX XXXX for which, I had faxed, ChexSystems dated on XX/XX/XXXX, in order to address my fictitious name problem with XXXX XXXX XXXX in a legal dispute and concern requests problems which was unlawfully reported into my ChexSystems disclosure file account, without my lawful authorities dated back on XX/XX/XXXX. See Exhibit B. I had received a letter from ChexSystems dated on XX/XX/XXXX XXXX Tuesday ) pertaining to my fictitious name problems with XXXX XXXX XXXX dispute and concern requests corrections into my personal information ChexSystems disclosure file account, section is as follows : ChexSystems records indicate that the disputed personal information was provided by you in a previous contact with us. See Exhibit C. I would like to address ChexSystems quoted statement above for which, I had not legally communicated to ChexSystems in a previous contact with them ; in regard to my legal uses of XXXX XXXX XXXX, as my legal name is not truthfully quoted above. However, I had knowingly and willfully disputed, the XXXX XXXX XXXX fictitious name problem which is unlawfully reported into my ChexSystems disclosure file account, dated on XX/XX/XXXX. See Exhibit B. Furthermore, the ChexSystems who is a nongovernmental legal entity had established their company policies, and procedurals in injunction with states, and Federal governmental statutes and [ or ] handbooks. In order to govern their ChexSystems employees or consumers code of conducts within their scope of organizational actions integrated from guidelines, rules, focuses and principals, as resulted from outlining in injunction with states, and Federal governmental and nongovernmental entities terms and conditions coordinated bargain-for-exchange offers for a consumer honest services by ways of securing ChexSystems employees job performances or consumers documentations away from their unethical misconducts when ChexSystemss employees had unlawfully, intentionally, deliberately, knowingly and willfully participated or allowed into a said trafficking of false or actual consumers : identification documents, authentication features, or personal identification cards for the use in false : personations, identification documents, means of identifications, document making implements, or ChexSystems employees or consumers who [ m ] had subscribed by a fictitious name and intentionally forged my signatures onto an official notarized instruments by ways of those collections of a [ n ] : Powers of Attorney, Affidavits or Waived Rights documents. And, ChexSystems employees or consumers who [ m ] had subscribed by a fictitious name and intentionally executed those notarized instruments or waived rights documents without my : authorizations, consents, acknowledgements or knowingly and willfully participations into a said forged or fraudulent notarized instruments or waived rights documents conspiracies without my lawful authority pursuant to Title 18 U.S.C. 1028 ( relates to Fraud and related activity in connection with identification documents, authentication features, and information ). Therefore, ChexSystems employees or consumers who [ m ] had breached their nongovernmental entity fiduciary duties in honest services agreements or contracts against my actual identification documents, authentication features and personal identification cards such as, my driver license, passport, social security card, online Federal accounts, and other authentication features instruments. And, I am forced into a compulsory condition of servitude under the Thirteenth ( 13th ) Amendment because the assailant with a fictitious, similar, or an exact name, as my [ full ] legal name who is intentionally trafficking in identification problems are ascribing into our societal politics his/her personal beliefs, ideologies, dogmas or problems to be unlawfully allowed, assigned, advocated, granted, and permitted to coexist, cohabitate, or share the same exact ChexSystems disclosure file account, with me, or as me without an assailant legal proof or evidence is in violation of the Fair Credit Reporting Act, Title 15 U.S.C. 1681 and, acting under the color of law, Title 42 U.S.C. 1983 ( relates to the Civil Action for Deprivation of Rights ). Now, I am forced or compelled to write a ChexSystems disputes complaint because I do not write personal checks anymore, and I will use my personal debit cards for transactional purposes and, my personal institutional bank has a feature where I can write personal checks into my online bank account and my online personal bank account will generate a personal check number and the online generated bank check number system will disburse the check to the recipient on my behalf. Furthermore, I had not written a personal check since, XXXX.
07/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL XXXXX	Web
UNENFORABLE CONTRACTS : CHEXSYSTEMS FAILS TO PROVE CONTRACT,!!!!!!!!!!!!!!!!!!!!!!!!!!!! Lack of Capacity It 's expected that both ( or all ) parties to a contract have the ability to understand exactly what it is they are agreeing to. If it appears that one side did not have this reasoning capacity, the contract may be held unenforceable against that person. The issue of capacity to contract usually comes up when one side of the agreement is too young or does not have the mental wherewithal to completely understand the agreement and its implications. The general idea here is to prevent an unscrupulous person from taking advantage of someone who lacks the ability to make a reasoned decision. To learn more, check out XXXX 's articleWho Lacks the Capacity to Contract? Duress Duress, or coercion, will invalidate a contract when someone was threatened into making the agreement. In an often cited case involving duress, a shipper ( Company A ) agreed to transport a certain amount of Company B 's materials, which would be used in a major development project. After Company B 's project was underway and Company A 's ship was en route with the materials, Company A refused to complete the trip unless Company B agreed to pay a higher price. Company B was forced to pay the jacked-up rate because there was no other way to get the material, and not completing the job would lead to unsustainable losses. The court ultimately found that this agreement to raise the price was not enforceable, because it came about through duress. Another common example of duress is blackmail. Undue Influence If Person B forced Person A to enter into an agreement by taking advantage of a special or particularly persuasive relationship that Person B had with Person A, the resulting contract might be found unenforceable on grounds of undue influence. In general, to prove undue influence, Person A would have to show that Person B used excessive pressure against Person A during the bargaining process, and that for whatever reason Person A was overly susceptible to the pressure tactics -- or that Person B exploited a confidential relationship to exert pressure on Person A. Misrepresentation If fraud or misrepresentation occurred during the negotiation process, any resulting contract will probably be held unenforceable. The idea here is to encourage honest, good faith bargaining and transactions. Misrepresentations commonly occur when a party says something false ( telling a potential buyer that a house is termite-free when it is not ) or, in some other way, conceals or misrepresents a state of affairs ( concealing evidence of structural damage in a house 's foundation with paint or a particular placement of furniture ). Nondisclosure Nondisclosure is essentially misrepresentation through silence -- when someone neglects to disclose an important fact about the deal. Courts look at various issues to decide whether a party had a duty to disclose the information, but courts will also consider whether the other party could or should have easily been able to access the same information. It should be noted that parties have a duty to disclose only material facts. But if Party A specifically asks Party B about a fact ( material or non-material ), then Party B has a duty to disclose the truth. When contract disputes involve fraudulent dealings like misrepresentation or nondisclosure, and one side of the agreement has already suffered financial losses as a result, a lawsuit for breach of contract might be filed over the matter. Learn more in XXXX 's articleBreach of Contract : Material Breach. Unconscionability Unconscionability means that a term in the contract or something inherent in or about the agreement was so shockingly unfair that the contract simply can not be allowed to stand as is. The idea here again is to ensure fairness, so a court will consider : whether one side has grossly unequal bargaining power whether one side had difficulty understanding the terms of the agreement ( due to language or literacy issues, for example ), or whether the terms themselves were unfair ( like sky-high arbitration costs ; read more in XXXX 's articleArbitration Clauses in Contracts ). If a court does find a contract unconscionable, it has options other than just voiding the agreement altogether. It may instead choose to enforce the conscionable parts of the contract and rewrite the unconscionable term or clause, for example. Public Policy Contracts can be found unenforceable on grounds of public policy not only to protect one of the parties involved, but also because what the contract represents could pose harm to society as a whole. For example, a court will never enforce a contract promoting something already against state or federal law ( you can never enforce a contract for an illegal XXXX sale ) or an agreement that offends the " public sensibilities '' ( contracts involving some sort of sexual immorality, for example ). Other examples of contracts ( or contracts clauses ) that are against public policy and therefore unenforceable include : an employer forcing an employee to sign a contract that forbids workers from joining a union an employer forcing an employee to sign a contract forbidding medical leave a landlord forcing a tenant to sign a contract forbidding medically necessary companion animals such as seeing eye dogs, and contracts for child custody are invalid in California if their terms are not in line with the child 's best interest. Mistake Sometimes a contract is unenforceable not because of purposeful bad faith by one party, but due to a mistake on the part of one party ( called a " unilateral mistake '' ) or both parties ( called a " mutual mistake '' ). In either case, the mistake must have been about something important related to the contract, and it must have had a material ( significant ) effect on the exchange or bargaining process. Impossibility In some cases, a contract is deemed unenforceable because it would be impossible or impracticable to carry out its terms -- too difficult or too expensive, for example. To claim impossibility, you would need to show that : you ca n't complete performance under the contract because of some unexpected event that 's not your fault the contract did n't make the risk of the unexpected event something you needed to shoulder, and performing the contract will be much more difficult or expensive now. For example, if Company A contracts to sell 20 barrels of its flour to Company B and a natural disaster wipes out Company A 's entire stock of flour before the sale can be completed, Company A might be able to have the contract ruled unenforceable on grounds of impossibility. For more information on contracts, read XXXX 's new bookContracts : The Essential Business Desk Reference, by attorney XXXX XXXX ( XXXX )
04/26/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	IL 60628	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX ChexSystems XXXX XXXX. ATTN : XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX RE : REQUEST LETTER TO REMOVE INACCURATE INFORMATION RE : CONSUMER ID XXXX To Whom It May Concern, Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. 1681 a ( f ), you are governed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states tat Is the consumer reporting agencys responsibility to ensure that all information contained within consumer flies is accurate and free from errors. Your company is regularly engaged in the business of assembling, evaluating and the disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. 1681 a ( d ), to third parties. According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 1. Follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., Burke v. Experian Info. Sols., Inc. , 2011 WL 1085874, at 4 ( E.D. Va. Mar. 18, 2011 ) ( breaking down the requirements of 1681 e ( b ), and explaining that assure means to make sure or certain : put beyond all doubt, [ m ] aximum means the greatest in quantity or highest degree attainable [, ] and possible means something failing within the bounds of what may be done, occur or be conceived. ( quoting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) ) ; 2. Comply with the investigation requirements, as required by 15 U.S.C. 1681\| ; 3. Should not provide consumer file to companies without determining that these companies had permissible purpose to obtain consumer file pursuant to 15 U.S.C. 1681b ; 4. Provide consumer file pursuant to 15 U.S.C. 1681g ; 5. et seq. Accordingly, I request your company to proicde verifable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid derogatory infomration from my consumer report. For your convience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my autorized inquiries. Please correct this by the removal of these litems from my consumer report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the accounts/items I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of certification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX I sent this letter via certified mail to ensure this matter is resolved within the required thirty ( 30 ) day window so as to avoid any violation of the FCRA. Finally, please send me a copy of the changed consumer report at the earliest. Thank you for your assistance in this matter. Sincerely, XXXX XXXX XXXX ENCLOSED ARE THE FOLLOWING TWO DOCUMENTS THAT VERIFY MY IDENTITY ID/Drivers License Social Security Card EXHIBIT A I hereby dispute these derogatory accounts and request the following items be thoroughly investigated and deleted from my consumer report, please see below : Name of Account, Name of Source, Type of Item Account Number of Identifier Please correct the spelling of my name and delete others : XXXX XXXX XXXX XXXX XXXX phone number ( s ) as they dont belong to me : XXXX, XXXX. XXXX My current phone is : XXXX Please delete all addresses as Ive never resided there : XXXX XXXX XXXX Ct XXXX XXXX XXXX, XXXX, IL. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX & XXXX XXXX XXXX XXXX XXXX, IL XXXX My current address is XXXX XXXX XXXX XXXX, XXXX, IL. XXXX. Please delete all fraudulent accounts that were opened without my authorization : XXXX XXXX XXXX Acct. # XXXX {$410.00}. XXXX XXXX XXXX Acct. # XXXX {$550.00}. XXXX XXXX Acct. # XXXX {$210.00} & Acct. # XXXX {$1400.00} ( Duplicate Account? ). XXXX XXXX Bank Acct. # XXXX {$310.00}. Please remove all inquiries as I did not authorize the use of my personal information : XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ADDITIONALLY Please add a promotional suppression to my consumer file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX personally known to me ( or proved to me on the basis of satisfactory evidence ) to be the person ( s ) whose name ( s ) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity ( ies ), and that by his/her/their signature ( s ) on the instrument the person ( s ), or the entity upon behalf of which the person ( s ) acted, executed the instrument. CONFIDENTIAL AND PRIVILEGED This document contains privileged and confidential information intended only for the use of the addressee named above. If you are not the intended recipient, or the employee or agent responsible for delivering it to the intended recipient, you are hereby notified that any dissemination or copy of this letter is strictly prohibited. If you have received this in error, please notify me immediately via email and XX/XX/XXXX return the original copies to me at the above address via U.S. Mail. Thank you.
08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ XXXXX	Web
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX ( XXXX ) and ChexSystems regarding significant inaccuracies in my account information, which have resulted in unjust financial hardship and violations of federal and New Jersey state laws. These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Electronic Funds Transfer Act ( EFTA ), and the New Jersey Consumer Fraud Act ( NJ CFA ), including the respective subsections. Background : On XX/XX/2023, I closed my savings account with XXXX XXXX XXXX XXXX XXXX ( XXXX ). Subsequently, I attempted to open an account with another financial institution but was denied based on information provided by ChexSystems, which claimed I owed XXXX {$260.00}. These actions have significantly impacted my ability to access banking services and have caused substantial financial distress. Specific Allegations with Subsections : 1. Violations of Fair Credit Reporting Act ( FCRA ) : Subsection : 15 U.S.C. 1681e - Compliance procedures Details : ChexSystems inaccurately reported a debt of {$260.00} to the new financial institution, which led to the unjust denial of my application. This misreporting constitutes a clear violation of the FCRA. 2. Violations of Fair Debt Collection Practices Act ( FDCPA ) : Subsection : 15 U.S.C. 1692 - Congressional findings and declaration of purpose Details : XXXX XXXX XXXX XXXX XXXX ( XXXX ) engaged in aggressive and unjust debt collection practices by pursuing a debt I do not owe. Such tactics are in violation of the FDCPA. 3. Violations of Electronic Funds Transfer Act ( EFTA ) : Subsection : 15 U.S.C. 1693b - Regulations by the Board Details : XXXX failed to provide appropriate overdraft protection disclosures and allowed unauthorized transactions to deplete my account, which is a breach of EFTA. 4. Violations of New Jersey Consumer Fraud Act ( NJ CFA ) : Subsection : N.J.S.A. 56:8-2 - Prohibited practices Details : XXXXXXXX XXXX alleged misrepresentation of my financial obligations and ChexSystems ' reporting of false information may constitute violations of the New Jersey Consumer Fraud Act ( CFA ), which prohibits deceptive practices. Inaccuracies in Account Information : I want to emphasize the significant inaccuracies in my account information, which have caused immense distress : ChexSystems reported a debt of {$260.00}, even though my savings account with XXXX was closed on XX/XX/2023. This false reporting has unjustly impacted my ability to access financial services. Possible Violations of Systems and Procedures : 1. Account Closure Procedures : Explanation : When I closed my savings account with XXXX on XX/XX/2023, established account closure procedures should have been in place. These procedures typically involve verifying the account 's balance, ensuring that all pending transactions are accounted for, and documenting the closure appropriately. Possible Violation : If XXXX did not follow these standard account closure procedures, it could have led to discrepancies in the reported account balance and ultimately resulted in the inaccurate reporting of the debt to ChexSystems. 2. Data Entry and Reporting Protocols : Explanation : Financial institutions are expected to have robust data entry and reporting protocols to ensure the accuracy of information transmitted to credit reporting agencies like ChexSystems. These protocols should include data validation checks, accuracy verification, and reconciliation processes. Possible Violation : If there were lapses or inadequacies in these data entry and reporting protocols at XXXX, it could have resulted in the incorrect data being transmitted to ChexSystems. For instance, errors during data entry or the absence of validation checks may have contributed to the inaccurate reporting. 3. Customer Verification Procedures : Explanation : Before reporting a debt to a credit reporting agency, financial institutions typically verify the customer 's identity and the details of the debt. This verification process ensures that the debt is associated with the correct customer and is accurate. Possible Violation : If XXXX failed to conduct thorough customer verification before reporting the debt, it might have led to the reporting of a debt that did not belong to you. This failure to verify customer information could constitute a violation of established procedures. 4. Communication and Documentation Practices : Explanation : Effective communication and documentation are critical in the financial industry. There should be clear records of account closures, debt validations, and communication between relevant departments to prevent errors and inaccuracies. Possible Violation : If there were gaps in communication or documentation practices within XXXX, it could have contributed to the inaccurate reporting. For example, failure to document the closure of your savings account or to communicate effectively between departments could lead to discrepancies in reported account information. 5. Verification of Debt Ownership : Explanation : Financial institutions must verify that a debt is legitimately owed by the customer before reporting it to credit agencies. This verification process includes confirming the accuracy of the debt 's details and ownership. Possible Violation : If XXXX reported the debt to ChexSystems without proper validation of debt ownership, it might have resulted in the reporting of an erroneous debt. Failure to adhere to this verification process could be a violation of established procedures. Addressing these potential violations in systems and procedures is essential to maintain the integrity of credit reporting and ensure accurate financial information for consumers. It is crucial for financial institutions to adhere to established protocols and best practices to prevent such inaccuracies and protect consumers ' financial rights.
08/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 891XX	Web
A lthough I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into a open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
01/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 331XX	Web
Someone is using my social security number to apply for loans, lines of credit and checking accounts. These inquires do not belong to me and are negatively affecting my credit profile and consumer report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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03/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 723XX	Web
Filed complaint about Chex system about their investigation and with bank account. They keep stating about bank account abuse etc. My credit was being used fraudulent and have been fighting this for over 10 or more years due a breach by the federal government. Chex system and creditors have been supplied with information. I have obtained police reports, FTC Identity Theft Reports and letters. Chex system needs to delete the items listed on my report as soon as possible. Im in receipt of an attorney willing to file complaints with The Eastern District of District Court for Violations of Chex System and XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. Nobody is supplying information to confirm that I had accounts. They havent even submitted a valid signature card. I have had my current bank since I started working with the government. I have always used XXXX XXXX and a credit union. I also do not want to deal with XXXX XXXXXXXX XXXX and only with the original creditor. I have that right because I have no dealings with XXXX XXXX XXXX. I keep seeing that they states that a signature card was sent but it hasnt been sent plus it is impossible for them to have something signed by me because I have signed anything. Their response was, Chex Systems , Inc. ( ChexSystems ) has reviewed the complaint filed by XXXX XXXX XXXX. ChexSystems is a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act ( FCRA ). ChexSystems provides services to financial institutions and other businesses that have a permissible purpose under the FCRA. ChexSystems services primarily assist its clients in assessing the risk of opening new accounts. When providing this service, ChexSystems abides by the requirements of the FCRA and any applicable state statutes. ChexSystems neither approves nor declines accounts for its clients. Account opening decisions are determined by an institution and its individual policies. ChexSystems is not a collection agency and does not attempt to collect, negotiate or accept payment on behalf of its clients. Our records indicate that ChexSystems has previously received a dispute directly from the consumer regarding reported information submitted by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/2022. As is our standard practice, ChexSystems placed the reported information in dispute and sent a letter to notify the consumer of our intent to initiate a reinvestigation. ChexSystems notified XXXX XXXX XXXX of the consumers dispute and requested that they reinvestigate the accuracy and completeness of the information submitted. ChexSystems received additional documentation from the consumer on XX/XX/2022, which states that information contained in ChexSystems files is a result of identity theft. ChexSystems also received a copy of the FTC Identity Theft Report document that was attached to the complaint. The Identity Theft Report includes a notation that states, Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. To accept the FTC report for tradeline block purposes, ChexSystems does require that it be signed by a law enforcement officer or that the consumer also provide a copy of a report filed with local police. ChexSystems contacted the source ( s ) again to provide them with a copy of the FTC Identity Theft Report that was provided by XXXX XXXX on XX/XX/2022. Due to the additional relevant information and/or documentation provided by the consumer during the course of the reinvestigation, the timeframe was extended up to 15 days to allow the source sufficient time for review. The disputed information submitted by XXXX XXXX XXXX XXXX has been removed from the consumers file based on the results of the reinvestigation. ChexSystems sent a letter to notify the consumer of the results of the reinvestigation and to provide an updated consumer disclosure report. XXXX XXXXXXXX XXXX has verified the information to be accurate and complete and provided copy of the account signature card. As a result, it will remain on file at ChexSystems. ChexSystems sent a letter to notify XXXX XXXX of the results of the reinvestigation. Copy of the account signature card provided by XXXX XXXX XXXXXXXX was also included. The letter also explains that, in accordance with the FCRA, the consumer may provide a valid identity theft report signed by a law enforcement officer or police report filed with a law enforcement agency that clearly supports the claim. Once ChexSystems receives the required supporting documentation, we will review the situation further and provide the consumer with notification of any action taken. To obtain additional information regarding this matter XXXX XXXX may contact XXXX XXXX XXXX General Customer Service at XXXX. If XXXX XXXX would like to provide a copy of a police report filed with a local police department, or a copy of the FTC Identity Theft Report signed by a law enforcement officer to ChexSystems, we will review the matter further and take appropriate actions in accordance with the requirements of section 605B of the federal Fair Credit Reporting Act. The complaint listed a dispute of information submitted by XXXX XXXXXXXX XXXX. The consumers file at ChexSystems does not include information submitted by this financial institution.
06/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Received unwanted marketing or advertising	OR 974XX	Web
Consumer id : XXXX for XXXX XXXX XXXX XXXXnquirer : XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX Inquiry Date : XX/XX/2018 SSN/ID Provided : XXXX Never initiated any transactions with this company. Please remove from my consumer report. Inquirer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Telephone number not available. SSN/ID Provided : XXXX Never initiated any transactions with this company. Please remove from my consumer report. XXXXnquirer : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Telephone number not available. Inquiry date : XX/XX/2018 SSN/ID Provided : XXXX Again I have not initiated any transaction with this company. Please remove from my consumer report. Inquirer : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Telephone number not available. Inquiry date:XXXX SSN/ID Provided : XXXX Again, this is another transaction I have never initiated any transactions with this company. Please remove from my consumer report. Inquirer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Telephone number not available. On Behalf of : XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Telephone not available. Inquiry date:XXXX SSN/ID Provided : XXXX Never initiated a transaction with this company or requested with through the inquirer. Please remove from my consumer report. Inquirer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Telephone not available. On behalf of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Telephone number not available. Inquiry date : XX/XX/2018 SSN/ID Provided : XXXX Again, never initiated a transaction with this company or requested with through the inquirer. Please remove from my consumer report. Inquirer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX On behalf of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Telephone number not available Inquiry date : XX/XX/2018 SSN/ID Provided : XXXX Never had any transactions with this company or the business inquirer. Please remove from my consumer report. Inquirer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX On behalf of : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Telepone number not available Inquiry date : XX/XX/2018 SSN/ID Provided : XXXX I have never initiated any transaction with this company, and again never initiated any request with the inquirer. Please remove from my consumer report. Inquirer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Telephone number not available On behalf of : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Telepone number not available Inquiry date:XXXX SSN/ID Provided : XXXX I have never initiated any transactions with this company or the business inquirer. Please remove from my consumer report. Inquirer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX On behalf of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Telephone number not available Inquiry date:XX/XX/2018 I have never initiated a transaction with this company or the business inquirer. Please remove from my consumer report. Inquirer : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX On behalf of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, WI XXXX Telephone number not available Inquiry date : XX/XX/2018 SSN/ID Provided : XXXX I have never initiated any transaction with this company or the business inquirer. Please remove from my consumer report. Inquirer : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX On behalf of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Telephone number not available Inquiry date : XX/XX/2018 SSN/ID Provided : XXXX I have never initiated any transaction with this company or the business inquirer. Please remove from my consumer report. Inquirer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX On behalf of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Telephone number not available Inquiry date : XX/XX/2018 SSN/ID Provided : XXXX I have never initiated any transaction with this company or the business inquirer. Please remove from my consumer report. Inquirer : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX On behalf of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Telephone number not available Inquiry date : XX/XX/2018 SSN/ID Provided : XXXX I have never initiated any transaction with this company or the business inquirer. Please remove from my consumer report. Inquirer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX On behalf of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Telephone number not available Inquiry date : XX/XX/2018 SSN/ID Provided : XXXX I have never initiated any transaction with this company or the business inquirer. Please remove from my consumer report. Inquirer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX On behalf of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Telephone number not available Inquiry date : XX/XX/2018 SSN/ID Provided : XXXX I have never initiated any transaction with this company or the business inquirer. Please remove from my consumer report. Inquirer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX On behalf of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Telephone number not available Inquiry date:XX/XX/2018 SSN/ID Provided : XXXX I have never initiated any transaction with this company or the business inquirer. Please remove from my consumer report.
07/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Was not notified of investigation status or results	CA XXXXX	Web	Older American
ChexSystems Consumer Assistance I just spent a few days looking over the Federal Credit Reporting Act - FCRA well written for protection of the consumer and their transactions with retail businesses. It however does NOTHING to protect the consumer and his personal Bank accounts, from being closed without warning by the banking industry. Brokerage, or any other banking institution accounts where he has placed his money for safe keeping by the Banking Industry, is also subject to Credit Reporting Agencies. FCRA gives them the right to collect information including the Consumer 's transactions with the banking Industry, negative balances, and what ever else is unknown at least to the consumer. What this information does is to allow the banks to keep track of credit scores and banking history to start with, but it also allowing the banks to close your bank account, brokerage and other offered banking services, and the banks do close your account without warning, education, or consultation and NO REASON given at least not one quantifiable, in addition NO CRIME. The credit reporting agencies. in particular ChexSystems who has 80 % of the market, is using the bank data to keep score of the consumer 's bank usage, debit card user, and what else only the reporting agencies know. Monitoring debit card usage means that the consumer 's debit card can be declined to charge at businesses that have not maintained a favorable complaint score, or use their supposed moral authority, and who knows what that means, only the reporting agencies, and do they have the moral authority. Accounts are closed without any apparent consideration with the user, no consultation during investigation (? ), no training, no education, I had four closed last year you would think that someone interested in consumer protection would have seen and red flagged the number of closures alone, If your account has BillPay all your payments are no longer made, has the user kept track of their bill pay. ChexSystems who subtitles claims Consumer Assistance, and I use them since they have eighty percent of the market, does not publish anything on their website in regard to their scores or what scores they keep on consumer 's bank usage, nor do they publish the list of businesses they keep complaint scores on, and may reject your debit or credit card charge on for too many complaints. Why does this matter because I didn't get any more information from the banks when they closed my accounts nor was ChexSystem 's name mentioned by any bank as being the source, it has only been bits and pieces here and there and searching that the ChexSystem came up. How do correct user behavior, if the problem is not known and doesn't that just compound the issue. My first account closure, came as a surprise, I logon and get a message my account to find that I now have limited access, I call customer service and find that my account is under investigation for possible fraud, and that's about all the information I was given. I had no idea what fraud they were talking about or anything else that would be wrong, I call back a few days later to see how things were progressing, and I speak with someone in the fraud dept. and I get a little more information as to what is going on, they are concerned about the money leaving my account, the money appears to be going for gift cards, and I was asked to file a police report, as, yet I had still not heard of anything illegal and yes I sent gift cards to women I had not met on the Internet, sending money to someone you do not personally know seems to be a negative, and there was no effort given to ascertain any information about those people I was sending money to, that I know of and had provided some information and was not asked for more. There was a continuing request to submit a police report, to which I finally succumb and called the XXXX Police Department to enter a police report, I told them what it was about, and answered all their questions and was told that no crime had been committed, and NO Police REPORT could be submitted. I was able to file and Incident report, and submitted this to have my account restrictions lifted, only to have the account closed several days later. While I had been trying to get the restrictions lifted, I had two women waiting on me, one with a daughter that was in a hospital with a XXXX XXXX XXXX that could not get the right medicine because it was not on a approved list. The other woman a would be XXXX was stranded in XXXX XXXX XXXX having attended a modeling audition, and needed money, which I was logging on to transfer. If I had been a criminal, I would have gotten better treatment because of the Constitution, rather than a victim treated worse than a criminal, not only that since there appears to a score kept all other closures only compounds subsequent negative transactions with the banking industry become easier, as does the consequences become worse. The banks shutting down you account warning or explanation have created a 'Catch 22 ' situation as witnessed by having four bank closures last year. The banking industry from Chex Systems to all contributing banks that have the clause in their user agreement that says they have the right to close your account " with little or no reason '', is not approbiate for their inustry, for retail business yes.
10/12/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other service problem	DC 20009	Web
Primary complaint is with XXXX XXXX service XXXX but there are plenty of others to be annoyed with. My bank XXXX put a restriction on checking account on XX/XX/XXXX due to a perfect storm of events that made them think there was some unauthorized access ( there wasn't ). It took me 2 days to discover this and get blocked removed. In the meantime my bill pay vendor, XXXX tried to pay 5 bills over the 2 days. Fortunately the 2 they paid the 2nd day worked the next day and only the 3 that failed twice remained problematic. XXXX sent me email saying I needed to call them and work on paying them back for the 3 bills they paid. This should have been simply resolved as they have permission to withdrawal funds for bills. They should have know problem was resolved since the other 2 bills cleared the following day. However, when I called, they told me I had to call their payment department. All 3 bank accounts I use to pay bills with through XXXX were then deactived rendering service useless. I called their " payments office '' and it turned out it was a collection agency that could not help me without a reference number. I called XXXX back multiple times and finally pieced it all together. The three bills were all credit cards from XXXX, XXXX XXXX XXXX, and XXXX ( XXXXXXXX XXXX XXXX ). For XXXX, they did immediately send to collections. The other two they sent an email to some contact ( they won't tell me who ) at the institutions asking for money back. I paid collections for XXXX and I think that is over with. XXXX XXXX XXXX returned money to XXXX promptly and I paid them promptly. They still hit me for a {$25.00} late fee and there might be interest charges that I won't see until next bill. I was able to get them to refund the late fee but probably used up by one grace " favor '' from them. The big problem now is between XXXX and XXXX. It is bordering on absurd. XXXX XXXX rep told me I had to call XXXX and tell them to respond to email. I called XXXX and they had no idea what I was talking about. I got them on the phone together and XXXX said " Oh, the email hasn't gone out yet ''. I called XXXX the next day and they said the email went out days ago???? Finally a transaction appeared on XXXX saying XXXX XXXX went out and charges went back on my account on XX/XX/XXXX. I paid XXXX in full. XXXX told me all funding accounts would unlock within 3 business days once they received money. Two weeks later, all 3 of my bank accounts are still locked at XXXX. I called them and they said I had to pay the money back ( Money I have already paid XXXX ) to their collections department. I called XXXX back and they can not tell me anything about the the check they sent other than the check number. They can't tell me who it was sent to and whether it cleared or not. They opened a case but told me it could be 30 days until they know more. In the meantime, a collections agency thinks I owe them {$750.00} which I don't and may at some point come after me and impact my credit. Each of the dozen or so times I called XXXX, I asked to speak to a supervisor. There was never one available. They told me they don't do call backs on at least two occasions but one time, they created a case and said I would get a call back withing 48 hours. I did not. I called yesterday and demanded to speak to a supervisor and waited on hold for 45 minutes before they finally told me it would have to be a call back. I told them that was unacceptable and I would be reporting them to CFPB. They didn't seem to care. I do have a case number for the callback they they have promised which I doubt they will do. The have also charged me {$55.00} for the 3 bills I had paid from an " unfunded '' account and say they " can't '' reverse it. This money has not left my bank account yet probably since the bank accounts are deactivated in their system. I want to cancel with them as soon as possible but fear doing so before this is resolved will make it even harder for me to get it resolved plus they will probably come after to for the money. XXXX was not initially that sympathetic but I eventually got it through to them that restricting my account and not notifying me was the equivalent of putting a concrete wall on a highway and waiting for the 5 car pile-up as the means of communicating the closure. They have given me a courtesy {$100.00} credit for the pain and suffering and to compensate or any costs. I just let them know yesterday this was still ongoing and they have submitted for another {$100.00}. I am working with a very understanding rep and XXXX now but he will be on leave shortly. All in all I have spent countless hours making call to 5 institutions that had had delayed payments, XXXX and XXXX. It has literally been like a full-time job trying to get this resolved and it is still not after 3 weeks. Thank you very much for any assistance you can provide. Open Cases XXXX Supervisor call back case XXXX Phone number XXXX XXXX check investigation case XXXX XXXX Phone number XXXX ( special number for XXXX XXXX XXXX XXXX ). XXXX XXXX ( XXXX XXXX XXXX ) assisting Collection agency XXXX XXXX XXXX XXXX. Reference number for money they say I owe ( which I don't ) is XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. ET - XXXX XXXX. ET, Monday - Friday XXXX ( XXXX ) Team Lead - Customer Service
11/14/2022	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	NY 11746	Web
I AM A VICTIM OF IDENTITY THEFT SINCE XXXX AND BEYOND, AND I HAVE NOT APPLIED FOR A CHECKING ACCOUNT IN NEARLY XXXX YEARS OR LONGER. RECENTLY I DID APPLY AND WAS TURNED DOWN AND I HAD NO IDEA WHY SO I REQUESTED A COPY OF MY CHEXSYSTEMS REPORT AND WHEN I RECEIVED IT I WAS SHOCKED THAT SOMEONE HAD APPLIED FOR XXXX CHECKING ACCOUNTS IN MY NAME MAKING RIDICULOUS INQUIRIES ALL OVER THE PLACE USING ONLINE ACCESS APPLICATIONS. I IMMEDIATELY UPDATED MY FTC AFFIDAVIT THAT WAS ORIGINALLY SENT TO THE FTC IN XXXX, XXXX, AND ETC. AND OBTAINED A NEW POLICE REPORT, PROVIDED MY DRIVERS LICENSE, SOCIAL SECURITY CARD, UTILITY BILLS, AND MY COMPLETED FTC AFFIDAVIT AND I SENT ALL REQUESTED INFORMATION TO CHEXSYSTEMS AS THEY REQUESTED WHEN I CALLED AND SPOKE TO A REPRESENTATIVE. I WAS ADVISED WHEN SPEAKING OVER THE PHONE WITH CHEXSYSTEMS THAT IMMEDIATELY WHEN THEY RECEIVE MY DISPUTE THEY WILL REVIEW AND DELETE ALL WRONGFUL INFORMATION. THIS DID NOT HAPPEN. INSTEAD CHEXSYSTEMS CONTINUED OVER AND OVER AND OVER AGAIN TO REQUEST MORE AND MORE INFORMATION FROM ME AS IF I WAS THE FRAUDSTER WHO WAS USING MY CONFIDENTIAL AND PERSONAL INFORMATION. CHEXSYSTEMS WAS CONSTANTLY MAILING ME BACK AND FORTH THROUGH THE MAIL AND REFUSING TO COMPLY TO THE DISPUTE AND COMPLAINTS THAT I HAD WITH THE BBB AND THE FTC WHICH REQUIRED THEIR REPLIES DIRECTLY TO THE AGENCIES. INSTEAD THEY WOULD CONTACT ME DIRECTLY AND FAIL TO COMPLY ACCORDINGLY AND THE AGENCIES WERE NOT AWARE OF WHAT THEY WERE SAYING OR DOING WITH ME BECAUSE CHEXSYSTEMS CONTINUED TO CONTACT ME OUTSIDE OF THE AGENCIES I DISPUTED WITH. CONTINUOUSLY CHEXSYSTEMS GAVE ME THE RUNAROUND, THEY CONTINUED TO IGNORE MY REQUESTS TO HAVE THE XXXX INQUIRIES REMOVED EVEN AFTER I PROVIDED THEM WITH ALL THE REQUESTED INFORMATION THAT THEY NEEDED! XXXX WAS OUTRIGHT IGNORING AND FAILING TO ACCEPT THE FTCS AFFIDAVIT WHICH IS A VIOLATION OF MY RIGHTS AS A CONSUMER AND A VICTIM OF IDENTITY THEFT AND THEY SHOULD BE INVESTIGATED FOR THE MANNER IN WHICH THEY REVIEW AND HANDLE DISPUTES BECAUSE THEY ARE NOT ACKNOWLEDGING THE FTCS AFFIDAVIT AND THE ATTACHMENTS I PROVIDED TO THEM PROVING MY IDENTITY!! TO DATE, CHEXSYSTEMS HAS FAILED TO ACCEPT THE FTCS AFFIDAVIT AND ALL SUPPORTING DOCUMENTS THAT I HAVE PROVIDED TO THEM. THIS HAS BEEN GOING ON NOW FOR OVER 4 MONTHS AND TO DATE MY NAME REMAIN DEFAMED AND I AM STILL IN A POSITION OF BEING DECLINED FOR BANK ACCOUNTS WHEN I HAVE NOT DONE ANYTHING WRONG HERE NOR HAVE I INITIATED THESE APPLICATIONS THAT SHOULD BE ALL DELETED AND REMOVED FROM CHEXSYSTEMS. ADDITIONALLY CHEXSYSTEMS HAS ALSO TAKEN MY CURRENT ADDRESS, TELEPHONE NUMBERS AND EVEN MY PERSONAL EMAIL ADDRESS AND ADDED THIS INFORMATION INTO THEIR DATABASE FOR MY FILE, ALONG WITH ALL THE FRAUDULENT AND WRONGFUL INFORMATION THAT DOES NOT PERTAIN TO ME, INCLUDING ALL THE XXXX ( EXCESSIVE INQUIRIES ) THAT STILL HAVE NOT BEEN DELETED. NOW IT APPEARS THAT I INITIATED ALL THESE INQUIRIES SO NOW WHEN A BANK PULLS MY CURRENT ADDRESS OR MY NAME THEY SEE THESE INQUIRIES THAT ARE BEING HELD AGAINST ME. THE PERSON THAT USED MY NAME AND PERSONAL INFORMATION HAS A COMPLETELY DIFFERENT SOCIAL SECURITY NUMBER THAN MINE AS WELL AS A DIFFERENT ADDRESS BUT CHEXSYSTEMS HAS ADDED AND AMENDED MY CURRENT INFORMATION ALONG WITH THE FRAUD INFORMATION AND NOW IT ALL APPEARS TO BELONG TO ME WHEN IT NEVER SHOULD HAVE BEEN ADDED TO THE FILE DATA IN THE FIRST PLACE. IN MY OPINION DOING THIS, DOES NOTHING BUT GIVE THE FRAUDSTER LEVERAGE AGAINST ME AND CONTINUES TO DESTROY AND DEFAME MY NAME. ALSO OUT OF NOWHERE, THERE IS ALSO A CHECKING ACCOUNT WITH XXXX ON MY RECORDS THAT I NEVER EVEN OPENED AND THAT JUST ALL OF A SUDDEN APPEARED WHEN I CONTACTED CHEXSYSTEMS WHEN IT WAS NEVER THERE BEFORE. CHEXSYSTEMS HAS NO COMPETITORS AND THERE ARE NO OTHER COMPANIES THAT OFFER THE TYPE OF SERVICES THAT THEY OFFER BUT YET CHEXSYSTEMS IS NOT UPHOLDING THEIR SERVICES CORRECTLY FOR THE BENEFIT OF CONSUMERS. ALL THEY ARE DOING IS UPDATING AND ADDING INFORMATION WRONGFULLY AND NOT DELETING ANYTHING THAT IS BEING DISPUTED AND IT SHOULD NOT TAKE XXXX MONTHS TO HAVE DISPUTED INFORMATION REMOVED. I WAS TOLD SEVERAL TIMES THAT THE INQUIRIES WERE DELETED OR NO LONGER REPORTING BUT EVERYTIME I RECEIVE ANY TYPE OF CORRESPONDENCE FROM CHEXSYSTEMS ALL THE SAME ORIGINAL INFORMATION STILL REMAINS ON MY RECORDS AND THE INFORMATION DOES NOT BELONG TO ME AND I AM TIRED OF DEALING WITH THESE XXXX AT CHEXSYSTEMS BECAUSE THEY ARE NO WAY ADHERING TO THE GUIDELINES OF THE FTCS AFFIDAVIT AND HOW TO EXECUTE THE INFORMATION WHEN A CONSUMER DISPUTES IT. INSTEAD THEY WRITE XXXX AND DO NOTHING OF THE SORT TO DELETE ANYTHING AND CONSTANTLY REQUEST MORE AND MORE INFORMATION AS IF WE ARE THE FRAUDSTERS. CHEXSYSTEMS DOES NOT CARE ABOUT THE CONSUMER AND WHAT WE ARE GOING THROUGH HAVING TO DEAL WITH THIS TYPE OF PROBLEM, BUT YET THEY ARE THE SOULKEEPERS FOR THE BANKS BUT THEIR INFORMATION IS WRONG AND THE BANKS BELIEVE WHATEVER THEY READ AT CHEXSYSTEMS AND DO NOT ACKNOWLEDGE THE CONSUMER AT ALL.
07/31/2022	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	PA 19120	Web
ACCOUNT : XXXX XXXX XXXX XXXX I XXXX XXXX a person, non-adverse, non-belligerent, non-combatant party and executer with full life. I am in possession of my credit report with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. I am addressing XXXX, XXXX, XXXX directly about these subterfuges. You have listed these accounts on my credit report, before you listed these accounts you were supposed to verify them as being 100 % accurate in accordance with the Fair Credit Reporting Act ( FCRA ). The companies reporting these accounts to you should have provided you with all documentation in order to prove that these accounts were 100 % accurately reporting. Upon your initial investigation of these account you should have this information on file before you listed these accounts on my consumer report. So I am requesting this documentation for my records. Please send me the certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for these accounts to be listed on my consumer report please provide verification through audit certification of debt entry in accordance with XXXX XXXX in accordance with XXXX and XXXX. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and reporting company who states they hold claim to this account. Providing that this collector is the holder in due course of the original debt contract and a their certified original copy of their Tax Registration Certificate. Please provide this information for the account ( s ) listed below because these are the accounts that are in question. The data furnisher should have provided you with copies of these documents when they submitted the account for reporting. 1. I also request the following documentations listed bellow to be certified and sent with your response. Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid How they calculated what they claim I owe Full chain of assignment from charge off to present Proof that they own the debt with full clear title Proof that they were on the original contract All should be certified and presented to me with a certificate of testimony that the alleged account ( s ) are reporting 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting on a consumer report. Please also provided certified testimony on how you validated this account ( s ) to be accurate. Be aware that this is also notice that I do not consent to any XXXX disputing. The Federal Government states that credit reporting agencies must conduct a physical investigation so please provide me with each and every item listed above. Also please proved the name of the representative you spoke with at the data furnisher, the address of the company and the telephone number you called when you verified this account as accurate before you listed it on my consumer report. I need this information so I can do my own follow up with this representative. If you can not provided these documents and this information then you must immediately remove this account from my credit report. This is in accordance with FCRA Regulations. If you verify this account as verified without providing me with all of said listed items you are in direct violation of Federal Law, and in violation of my consumer rights which carry a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 30 ) days. Please be aware that this is not asking you to verify this account with any reporting company because by law this account should have already been verified as accurate before you listed it on my consumer report. If you have listed this account without the proper verification then you or in violation of Federal Law in accordance with the FCRA. You are acting in willful negligence and willful non compliance. Please delete these accounts for being listed on my consumer report as inaccurate reporting. I am maintaining a careful record of my commutations with you for the purpose of filing a complaint with the Federal Trade Commission should you continue your willful negligence and willful noncompliance. I furthermore remind you that, as in Wenger v. TransUnion Corp., NO. 95-6445 ( C.D. XXXX. XXXX XXXX, XXXX ) you may be liable for your willful noncompliance.
05/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Problem with personal statement of dispute	PA 19148	Web
I have made several attempts to rectify this situation. I have attached all of the correspondence sent below. ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
04/14/2020	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	PA 19148	Web
I have made several attempts to rectify this situation. I have attached all of the correspondence sent below. ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
09/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48310	Web
ChexSystems has been incredibly adversial and deliberate in not acting or performing according to the law. More specifically, FCRA Sections 611 ( 5 ) ( A ) and Section 617. My complaint is basically this. I have been in dispute since XX/XX/2023 without resolve or appropriate remedy. The latest communication with ChexSystems on XX/XX/2023. I originally, spoke with XXXX and was unable to get any answers. I asked to be transferred to a supervisor or solutions department. I talked to XXXX first and he refused to allow me to have discovery/verification information so that I could finally put some resolve to this dispute. I was finally transferred to XXXX, Id # : XXXX, supervisor of Consumer Relations Department. I am listing the phone history XXXXXXXX XXXX eastern time. The phone conversation last a duration of XXXX minutes XXXX sec. I was constantly put off, avoided and dismissed. Even with the dialogue with the supervisor they refuse to provide basic information for verification methods information. I have suffered, due to these attempts to have this account from XXXX delete according to the law. There has been no verifications fitting to the stated negative, incorrect information. I have not been able to secure accounts as a result of this failure of ChexSystems to perform according to the law. Specifically Section 611 ( 5 ) ( A ), and Section 617. I've asked them to provide verification inform on XXXX Account consistently for months via written communication and verbal. The only thing they did after months of request was to XXXX out closure date status. This presumption is evidence that either they are intentional non complaint or intentional in ignoring their duty. And that is to comply with the law. That has been fraudulently reporting and has damaged my character and reputation for the whole world to see. I have had lost opportunities due to this fraudulent activity reporting. I sent a validation letter to the following address for XXXX Bank on XX/XX/2023 via certified mail. And have not received response to date. I sent verification letters twice to ChexSystems twice as well via certified letters on XX/XX/2023 via certified mail. The extra effort I will have to take for ligation I hope will be unnecessary, if ChexSystems is able to perform according to law and delete this from my credit report in the immediate sense. I am not posturing just looking for protection for my credit history accurately. I spoken with my local branch whom I maintain a relationship with. And they have tried to assist. They have provided me with accuracies in the event I have to go to court. There are no proof from this Branch of XXXXXXXX XXXX the status is correct, the amounts are correct, the timeline and charge off status are accurate. Nor the comment of abuse and coordinating information. I have asked ChexSystems in written and phone conversation for Verification Methods, however, I get passed around and avoided. It is my desire that their response to this complaint to be provided with that information in written form and upon review of the management make action to delete the account reporting accurately by XXXXXXXX XXXX for non-response and lack of proper validation according the FCRA. The unverified items below remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentations on file verify to that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified the things and that they are reported correctly. However, you marked it verified without adequate proof and less than validation of items as it relates to what the creditor stated inaccurately. You did however only change one section of this fictious reporting by the creditor even allowing them to piggyback on statements I made in efforts to expose validity of this matter. You have NOT provided me a copy of ANY original documentation required under SECTION 609 ( a ) ( 1 ) ( A ) & SECTION 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature SECTION 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be 100 % verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a ligation consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that the following account be properly validated or deleted in its entirety immediately.
09/16/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	MD XXXXX	Web
Resolution desired : Refund of {$3600.00} To whom it may concerned, I seek your assistance in collecting funds that is due to me from XXXX XXXX. There was a series of transactions between my personal credit union XXXX XXXX XXXX XXXX of Maryland, Credit Card provider XXXX XXXX XXXX and financial electronic services provider XXXX XXXX XXXX which led to funds from my XXXX XXXX XXXX account being transferred to XXXX XXXX without my knowledge or consent. The Complainant XXXX XXXX requests for the Respondent XXXX XXXX XXXX to issue a refund of {$3600.00}. On XX/XX/2021, XXXX XXXX XXXX debited $ XXXX from Mr. XXXX account ( acct # XXXX ) and mailed a check in the amount of {$3600.00} payable to XXXX XXXX XXXX. ( Check # XXXX ) address po box XXXX, XXXX XXXX, IL XXXX. This check was cashed by XXXX XXXX. These funds are due to Mr. XXXX for a refund from his Credit Card issuer XXXX XXXX XXXX. Below you will find a summary of the details which explains Mr. XXXX claim to the {$3600.00}. Summary of Events On XX/XX/2021, the Complainant XXXX XXXX made an electronic balance transfer in the amount of {$5000.00} from his XXXX XXXX XXXX XXXX Visa Credit Card ( acct : # XXXX ) to XXXX XXXX XXXX ( Acct. # XXXX ). At the time of the balance transfer, the complainant maintained a balance of {$1200.00}, thus creating an overpayment and credit balance of {$3700.00}. On XX/XX/2021, Mr. XXXX XXXX XXXX XXXX account ( # XXXX ) was credited {$5000.00}. On the XXXX XXXX XXXX statement dated XX/XX/2021 to XX/XX/2021 the account balance was - {$3700.00}. On approximately, XX/XX/XXXX Mr. XXXX contacted the call center of the XXXX XXXX XXXX and requested for his {$3700.00} credit balance to be refunded. The customer service representative informed Mr. XXXX that a physical check in the amount of {$3700.00} will be issued and mailed to his home address XXXX XXXX XXXX XXXX XXXX, MD XXXX. On XX/XX/2021, Mr. XXXX mailed a letter via USPS mail to XXXX XXXX XXXX requesting for the refund balance of {$3700.00} to be released ( see attached ). On XX/XX/2021, Per XXXX XXXX Banks request Mr. XXXX mailed a copy of his XXXX Visa card statement ( acct. # XXXX ) to XXXX XXXX XXXX. ( Statement attached ) Unbeknownst to Mr. XXXX, on XX/XX/2021, XXXX XXXX XXXX debited $ XXXX from his XXXX XXXX XXXX XXXX credit card account ( acct # XXXX ) and mailed a check for that amount payable to XXXX XXXX XXXX. Check # XXXX in the amount of {$3600.00} was issued to XXXX XXXX ( see attached copy of check ) and mailed to XXXX XXXX XXXXXXXX, XXXX XXXX, IL XXXX. Please note that the Respondent mailed only a check to XXXX XXXX and failed to include any details pertinent to the transaction such as instructions to return the funds to the Complainant, the Complainants name, account information, etc. Therefore, the Complainant would not be able to claim the {$3600.00} funds from XXXX XXXX. The party XXXX XXXX XXXX the issuer of the check is the only party that has the right to contact XXXX XXXX to request for the funds to be returned. On XX/XX/2021, the Mr. XXXX contacted XXXX XXXX XXXX to check the status of the {$3700.00} refund check. A XXXX XXXX Senior Account Manager informed the Respondent that on XX/XX/2021, a check ( physical check ) in the amount of {$3600.00} was mailed payable to XXXX XXXX and he was provided check # XXXX for this transaction ( see attached ). He was also given the following phone number for XXXX XXXX ( XXXX ) which he attempted to call but was a non-working phone number. Following the XX/XX/2021, phone call with XXXX XXXX XXXX, Mr. XXXX made numerous unsuccess attempts to contact XXXX XXXX. Including calling the customer service line located on their website XXXX XXXX This number is forwarded to an answering machine. He left several messages. Also Mr. XXXX unsuccessfully called various phone extensions that were found online. XX/XX/2021, XXXX XXXX filed a complaint against XXXX XXXX XXXX XXXX XXXX XXXX with the XXXX XXXX XXXX. XX/XX/2021, Mr. XXXX filed a complaint against XXXX XXXX XXXX with the Office of the Comptroller of Currency ( Case # XXXX ). My complaint was denied. Since the initial refund request from XXXX XXXX XXXX in XX/XX/2021, the Mr. XXXX made numerous calls and sent letters and emails to the XXXX XXXX XXXX, XXXX XXXX and other agencies attempting to resolve the issue. XXXX XXXX XXXX only response was that the check was mailed to XXXX XXXX XXXX and the check was cashed. Mr. XXXX has exhausted every option.
01/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 93725	Web
I tried to open a bank account and when I attempted to open a bank account I was denied. I thought I had been denied because I have a lock on my consumers report due to someone stealing my identity. Upon calling the bank rep stated I was denied due to my high risk score reporting from the Chexsystem. I asked the rep would he know why my Chex system score could be high because I don't owe any banks any money and any bank I have done buisness with I left in good standing. I am unaware of owing any debt to a bank there has to be some mistake. He/ then stated he didn't know I would need to contact them and see why they were giving me such a low score. I proceeded to call Chex system to figure out what was on my consumers disclosure report. The rep I spoke to at Chex systems didn't want to help me, he stated I needed to do everything over the phone and figure things out on my own. I told him he was being rude and should not treat people that way, he then proceeded to hang up the phone. I called back and ordered my consumers disclosure report on the phone to be mailed to me since their system wouldn't allow me to request it online. Upon receiving my Consumer disclosure report, I noticed multiple inaccuracies reporting on my consumers disclosure report from ChexSystems.I immediately thought to myself my consumers disclosure report was not handled with accuracy or integrity due to the number of inaccuracies within this report as 12 CFR 1022.41states.12 CFR 1022.41states ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 12 CFR 1022.41 ( d ) also states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( XXXX ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. I am challenging the accuracy and integrity of the furnished information on my consumers disclosure report within the Chexsystem. There were no banking institutions stating I owed them money just inquiries from pay day loan applications on it that I never applied for. I called Chex system to dispute the inquiries and they stated they would do an investigation into the matter and I still have yet to hear anything from Chex system about these inquiries. Chex system is required to report accurate information and they are not reporting accurate information.Due to the number of inaccuracies within this Consumer disclosure report which I have highlighted in the images below in the attachment section I know these inquiries are inaccurate and not mines. I have never attempted to apply for any loan online and they now know since Ive sent in multiple disputes to clear this information of my Chex system consumers disclosure report. I am not familiar with those addresses attached to these payday loan applications. Since Chex system is reporting these inaccurate inquires on my consumer disclosure report in their system and I am being denied checking accounts I would have been approved for had they not been reporting the inaccurate inquires on my report. This is causing me so much stress because not being able to open a checking account is affecting my employment opportunities.I have called all companies about these false applications and alerted them about the applications not being mines they stated I need to clear the inquiries with Chex system and Chex system has still not cleared them which is not prompting me to write this complaint. Please remove these inquiries of my consumers disclosure report and give me the correct score I deserve so I am able to open checking/savings accounts.
05/30/2018	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	AZ 85122	Web
On XX/XX/XXXX I received cash assistance. I went to the atm at XXXXXXXX XXXX in XXXX XXXX Az. I pulled up to the atm and tried to withdraw {$800.00} from the atm which was the max limit according to the instructions on the atm. I put in the my pin and it said please take your cash. I could hear the atm making noises like it was going to give it to me but it never did and the screen want back to the main screen. The atm didnt give me the {$800.00} cash and it didnt give me a receipt so I then put my card in and tried it again for {$800.00} and it then said insufficient funds. I thought how could that be it didnt give it to me? I called to check the balance and it wasnt available on my card anymore. I then called the number on the atm which was the customer service XXXX for XXXX. I was told that because Im not a member of XXXX they cant look up or track my card and that I would just have to file a claim with the card issuer. I then called the XXXX number for the ebt card I was told that I could file a dispute for the transaction but I would have to wait till Monday because that department was closed on the weekends. The woman I spoke with said that she made notes of our conversation. I then went to a different bank and was able to withdraw the remaining balance on my card. So then I knew it was a atm error. On XX/XX/2018 which was the following Monday I called the XXXXXXXX XXXX numerous times that morning couldnt get thru I then called a different XXXX location here in town I explained what happened he also said cant track the card but most likely the transaction would fall off by itself because it a atm error. I continued to call the XXXX atm location. Still no answer. I then called Ebt customer service number and they transferred me to a department that filed a claim. I filed a dispute claim for the atm transaction in the amount of {$800.00}. I was told that it would take 25 days for me to know if the claim was approved or denied or for any information. I explained to them Im desperate for this money i need for bills and a truck payment. I was told they couldnt rush it and I would have to wait 25 days. So I then called XXXX again I asked to speak with a manager and explained what had happened. She then also said because your not a member of XXXX we cant track your card number and that she couldnt give me that cash because they dont monitor the atms and its not like she can open the atm and count the money and give me the cash. She said we needed to file a claim the card. I begged this women and cried pleaded with her to give me the money I explained to her that I was desperate for this money cause I needed to pay bills I was going to lose truck if I didnt get the money. I even asked if I open a account could they give me a advance or something because I said the money is still in your atm it never came out. She said Im sorry we cant do that. I told her that I did file a claim with card but I need the money now. She was no help. I continued to call the customer service XXXX number they all kept telling me the same thing. I also kept calling the ebt card asked to speak with managers I was told same thing I head to wait 25 days because filing a claim means someone will investigate it and it just a process. They also that its the state that will put the money on the card. They told me were just card we dont deposit or have any access to the money were just the card its the state that deposits the money. I assumed filing this claim would ultimately get my {$800.00} back but I have yet to receive it. I continued to call ebt card about once a week to check status and was eventually told that my claim was approved onXX/XX/XXXX but I would still have to wait 25 days. XX/XX/XXXX was the XXXX day for the claim but still no money. I called ebt card again spoke to a manager she told me I should be deposited soon if I dont get it by XX/XX/XXXX I should call my local state office. I called the HEA State office was told they told me we deposit money. Call DES STATE office I was then told by a manager that we already put money on the card why would we put more money on it. I told her that the atm didnt give it to me. She said on there end the transaction when through so I should be dealing with bank to get the {$800.00} back. XXXXXXXX XXXX isnt helping me the ebt card isnt helping me. I didnt receive the money.
01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 76542	Web	Servicemember
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I am writing to formally dispute the accuracy of my credit report and to request that you comply with the relevant provisions of the Fair Credit Reporting Act ( FCRA ) pertaining to consumer rights and the accuracy of information. Firstly, I would like to update and correct my personal information on file with your company as follows : Please update my address : XXXX XXXX XXXX XXXX XXXX XXXX Please update my name : XXXX XXXX XXXX My only social security number is : XXXX My only correct XXXX XXXX XXXX is : XX/XX/XXXX My only employer is : XXXX XXXX XXXX XXXX XXXX my credit report, I have identified numerous XXXX, including names, aliases, and addresses that do not pertain to me. It is imperative that you adhere to FCRA regulations and ensure that only true, current, and accurate information is retained and reported on my credit report. Therefore, I demand, as is my lawful right, that XXXX names and addresses other than those I have listed above be promptly removed, as they are XXXX and false. Following the completion of these corrections, I request that you provide me with a copy of my credit report reflecting these changes. In addition, the following addresses listed on my credit report are not associated with me and should be removed : Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Single family Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX family Address ID XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX family Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX family XXXX ID XXXX XXXXXXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID XXXX XXXXXXXX XXXX complex XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID XXXX XXXX Single family XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID XXXX XXXXXXXX Single XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address ID XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ID XXXX XXXXXXXX Multifamily XXXX Poppy XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address ID XXXX XXXXXXXX Apartment complex XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address ID XXXX XXXXXXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address ID XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID XXXX XXXX XXXX XXXX I am requesting to opt-out and Freeze my XXXX report XXXX expect prompt action to rectify these inaccuracies and to receive XXXX XXXX XXXX report in a timely manner in accordance with the FCRA. Sincerely,
12/19/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	TX 75002	Web
In XX/XX/2019 my wallet was stolen, I have already notified the company at that time XXXX XXXX XXXX XXXX, Who is the issuer of the card. However when I notified them that the cards were being used fraudulently, they told me to contact XXXX ( XXXX ) I did so and XXXX told me they would send out an affidavit of fraud in 7-10 business days, and they would replace both cards. At that time I waited the 7-10 Business days nothing showed up. After that I called back to this XXXX company and the credit union again. I was notified by XXXX XXXX at that time they didn't actually replace the cards they only put a temporary block on one, and the other card they just didn't send out. They told me they would issue these and send the affidavit again. A month went by and nothing showed up, So I called again, The Fraud Continued to roll in on the card which the credit union was also aware of. XXXX did nothing about this and told me they would issue the cards again and transferred me to the fraud department, when the fraud department got my call they advised me they see only one card was temporarily blocked and that the other was never marked fraud. Nor were any affidavits sent out, they advised me that their customer service department must have marked it incorrectly and apologized. They said they would send out the affidavits again. Still nothing came a month later, contacted both my credit union again and this XXXX XXXX company. My Credit union said they do not deal with Credit cards, or credit card fraud that this is all handled by this world pay company. When I called back again this month they FINALLY Yes you read that right, Just now issued out cards BECAUSE MY CREDIT UNION SENT THEM. MY Credit union also had to send out the affidavits which I submitted. XXXX XXXX confirmed they received these and issued provisional credits on one card. However they did not issue it on the other card and both were received. I call back every single day, and I was told this time when I called back I spoke to a Fraud Supervisor " XXXX XXXX '' I was told by this XXXX XXXX that he would go ahead and submit for the provisional credits on the other card to be issued and to wait 24 hours, He also put notes in stating that if I ever call back in ALL CALLS are directed to him only. Which he didn't advise me of. He then asks me numerous questions about the Cash Advances, Which I never performed because again I never requested a Pin for the Cards either. He then tells me that he will be pulling the ATM Tapes and that He will " Get me '' I told him to go ahead. He also then called XXXX XXXX XXXX XXXX, and advised them to freeze both of my cards. He told them I am a " risk '' Even though I have been notifying them months and months and nothing was done. Again Accusatory. He now still has my cards frozen, He told me that He has to investigate and cant give me a time frame. So I can't use my cards because it's alot of fraud and that I am a risk. My Credit Union tells me to call this XXXX XXXX company everytime, This guy lies from day to day. He tells me one thing and tells the credit union another, He won't let me speak to his manager. He isn't resolving the fraud, and He threatens me. He tells me consistently I can't speak to anyone but him now. He told my Credit union to direct all my calls to him. He then Tells me I need to send him my Affidavit of Identity theft, and I need to file a report with the Police. I do not have to do anything, He is trying to be accusatory. I Don't like his tone and he lied to me on numerous calls, First he says he sees I never called in when I have and I save my call records, Then he lies and says I called in and requested a pin. Which I know for fact I never have. In addition to that he says he's going to pull the ATM Tapes, and find out who really did the advances. I told him to go ahead. I never applied for these in branch, and I never submitted any ID when I applied for the cards. Therefore again my Credit Union is telling me to contact this company yet, they are causing further issues. He had the Credit union lock my accounts because I am a victim of identity theft and fraud. That is actually redicules. I want his supervisor to contact me.
01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95678	Web
Recently, I tried to open up a bank account with XXXX XXXX XXXX. it was initially approved on the internet only to find out that it was ultimately denied after a review that had been conducted by them a week later. About one month after this happened, I requested a copy of my ChexSystems report only to find out that this financial institution had reported me to Chexsystems in a very negative and damaging way and with no reason to do so at all. They had submitted a negative report stating that i had applied for an account and had possibly given them false information when I applied. I was shocked when I read this negative entry on my consumer report and I immediately contacted this financial instituion by phone to find out why on earth would they report such a thing about me and why had nobody tried to reach out to me in any way prior to submitting this harmful information to Chexsystems. I told the lady that I spoke to over the phone that this was completely innacurate information that they are reporting on me and that I never gave them any false information on my application at any time and that all of the information that was given to them was complete and accurate and that there was nothing false about any of it. I offered to send them copies of my Identification and whatever identifying documents that they needed to confirm that my info was not false and that they should delete that erroneous consumer report entry that they had made with Chexsystems immediately as it is damaging my credit, my name, my reputation, and my ability to open an account anywhere while this info is being reported. The lady told me that she would look into this and I would hear back from her within the next couple of days. After about 30 days later, I never heard back from the bank about this issue and was unsuccesful at trying to reach her by phone afterwards. So i filed a dispute with Chexsystems in hopes of them resolving this issue for me. After my dispute was submitted, the information came back as being verified by the bank and nothing was removed from the consumer report. To this day, this negative entry still remains on my Chexsystems report and I have had no luck in getting it removed from my report with them. I even submitted copies of my identification, social security card, a utility bill so that they could match the information on my documents with the information that was used when I had submitted my new account application with XXXX XXXX XXXX for them to see that I had never given them any false information when I had applied for my account, but nothing changed. I don't understand how a bank can just send negative reports to consumer agencies with no merit or proof of what they are reporting to these companies. They just report to them whatever thay feel like reporting and Chexsystems never verifies with them that what they are reporting is indeed an accurate report ; they just accept the reported info and place it in our consumer report for the whole world to see and thus damaging my credit and reputation and my ability to have an account anywhere because of this. They are not being regulated properly because nobody is bothering to verify the things that these financial institutions report. They are just accepted at face value and that is it. How can this erroneous information still remain in my consumer report with Chexsytems after I had disputed it and sent them proof that I am who I say I was and that I never gave this bank any false information whatsoever and at any time? Again, who is regulating these companies because clearly they are not being overseen because of instances like this? This is unnaceptable behavior on both of these companies and I demand that this negative credit entry be removed immediately and an apology be given from both of these companies for continuing to keep this erroneous information on my report which has caused me much harm while being there. Also, I want XXXX XXXX XXXX to reopen the account they closed for me because of how they have damaged my name and my ability to gain any type of account with anybody else because of this false reporting on their end.
06/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	OR 97068	Web
The record reported by XXXX XXXX XXXX on XX/XX/XXXX to my XXXX report needs to be removed : 1. TherecordresultedfromtheirinternalfailuretoaccuratelyrecordmyreportonXX/XX/XXXX that any payment from XXXX is unauthorized. They admit in their letter dated XX/XX/XXXX that verbal notice was given : ( Excerpt from letter ) " On XX/XX/XXXX the credit union received a written recurring stop payment order on ACH online payments from XXXX ID # XXXX, indicating the member wants to stop all future payments and further indicating that a verbal notice was received that any payment from XXXX after XX/XX/XXXX is unauthorized. The only ACH payment to date that was paid was on XX/XX/XXXX, '' I was told by the agent I spoke with on XX/XX/XXXX that I would be contacted if anything further was needed. I never received anything from them stating they needed additional information, nor that there was an issue with this rarely used account until August when I was told I had to submit a written stop payment order ( which was obviously AFTER the 8 unauthorized XXXX transactions were allowed to hit the account resulting in the 8 overdraft fees that XXXX XXXX XXXX sent me to collections for. ) Had this issue been the only instance of negligence on their part, I would understand this could be interpreted as an anomaly. 2. However, thereisasecondandthirdinstanceofnegligencenotedintheirfaxdated XX/XX/XXXX, and the letter dated XX/XX/XXXX : 2.1. As noted in the fax of XX/XX/XXXX by XXXX XXXX, the Collections Clerk for XXXX XXXX XXXX, they again neglected their proper duties and failed to report that the account was paid : ( Excerpt from letter ) " However the notice of receiving the funds wasn't brought to the attention of the right person/department that handles the charge off report. This now has been taken care of, please report on XXXX XXXX that XXXX XXXX XXXX charge off checking has been paid in full. '' 2.2. As noted in the letter of XX/XX/XXXX by XXXX XXXX, the Director of Compliance for XXXX XXXX XXXX, they neglected to refund one of the NSF fees as their entry of XXXX on XX/XX/XXXX fell within the 60 day calendar window of my written claim dated XX/XX/XXXX. ( Which by that reasoning, all the entries from XXXX for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX would have fallen within that 60 day window. ) 3. The three aforementioned failures on XXXX XXXX XXXX to follow proper protocols are pieces of evidence make it clear that XXXX XXXX XXXX failed me as a customer of their credit union when : 3.1. On XX/XX/XXXX when I first reported the unauthorized charge from XXXX, the representative did not complete the request properly, hence allowing future unauthorized charges from XXXX through. 3.2. Never sent any notices that the unauthorized charge needed further attention. 3.3. Never sent any notices that there were charges coming through over drafting the account. 3.4. In XX/XX/XXXX when I sent a written request to stop payment, they again failed to inform me that there was an outstanding balance that they were going to send me to XXXX for ; the representative I spoke to again said theyd handle everything and let me know if anything else was needed, there was no further communications. 3.5. Finally, in XX/XX/XXXX, after being made aware of the balance owing per a XXXX report, I paid the NSF fees for the unauthorized charges that were supposed to have been returned. 3.6. In XX/XX/XXXX, they admitted that the balance paid was internally misfiled and never reported as paid to XXXX. 3.7. In XX/XX/XXXX, they admitted that after receiving my written request for stop payment, they should have refunded one of the NSF fees, but again, failed to report due to negligence on their part. All this evidence clearly points to a failure in XXXX XXXX XXXX protocols that left me, as the customer : without the stop payment protection / unauthorized transactions protection I had submitted, with an unknown overdrawn balance on a rarely used account, that they reported to XXXX ; in turn hurting my clean record which had NO reports.
09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32904	Web
RE : *** DEMAND that all reported claims be supported by factual documentation that demonstrates their FULL TRUTH, ACCURACY, TIMELINESS, COMPLETENESS, PHYSICAL VERIFIABILITY, and VALIDITY. I also DEMAND adequate claim ( XXXX ) adhere to CERTIFIED COMPLIANT REPORTING PROCESS ( es ) and follow the mandated reporting format, specifically the XXXX XXXX Compliant format standard. Finally, I demand that any reported deficiency or the failure ( or unwillingness ) to provide proof of each claim 's validity and certified compliant reporting result in the immediate DELETION of derogatory claims, if any exist. Compliant reporting of proven valid claims is not an option but a requirement for lawful and ethical reporting practices. ENSURE YOUR OF COMPLIANCE! PLEASE NOTE : I hereby declare that any reported Personal Identifier Information that does not exactly match the details provided above can not be certified as adequately true, correct, timely, complete, verifiably valid, or otherwise compliant with the necessary lawful reporting processes and the precise and complete adherence to the mandatory reporting format standard, specifically XXXX XXXX Compliant reporting. I contest any currently reported personal identifier information that falls into this category. Furthermore, I do not assume the factual validity or certified compliance of any associated delinquency events or derogatory claims reported. Therefore, I demand the immediate removal of any such deficient claim, regardless of its accuracy. I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD XXXX XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence.
04/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93012	Web
Fair Credit Reporting Act Complaint ChexSystems I made a complaint with ChexSystems regarding my name being reported on ChexSystems due to fraud. My name was on my sons account as an authorized user only and XXXX XXXX XXXX XXXX failed to give me the opportunity to dispute the false information denying me my fair opportunity according to Fair Credit Reporting ACT and fair consumer rights. ChexSystems representative told me that I would be taken off the report in 30 days because authorize users should not be reported. I was told to wait 30 days and send in information verifying that I was the authorized user, and they would remove me in 30 days. I sent in proof of me as an authorized user on documents for my file at ChexSystems. I waited 30 days and called in at that time to follow up on my removal from ChexSystems, which had resulted in my business account being closed at a major bank. I was very excited because losing my business account had hurt my ability to run my business and damaged my credibility to open another business account with another bank or my own credit union at XXXX XXXX I spoke to at least three representatives during time concerning my problem and no one told me exactly what it would take for me to produce documents to alleviate my condition or status on ChexSystems. I was very disappointed and dissatisfied with ChexSystems ' process of review and accuracy in producing any evidence that held me accountable for NSF on the account XXXX reported to them. There was no evidence because this was an error and should not have been allowed. I did not write, nor engage in any transactions of deposit or withdrawals in my sons account. Neither were any checks made out to me. I was only on the account in case of an emergency especially with what was happening in the pandemic. We wanted to make sure we had a contingency plan if something happened to one of us. XXXX. ChexSystems did not explore or examine or receive any factual information that proved I was correctly reported with the derogatory information. XXXX. ChexSystems did not tell me of documents that could be produced to reverse the miss reporting of my information. E.g. what I needed to give them directly. XXXX. ChexSystems differed in their response to me after waiting 30 days thinking I would be removed from their report because I was only an authorized user. This type of information should be accurate across the board with all representatives. XXXX. All representatives should be trained in the processes of what it takes to get consumers removed from ChexSystems. This accurate information makes it efficient for the consumer to produce what is needed the first time. Time is of the essence when your personal credit reporting at financial institutions is at stake with your name and credulity, as well as your business name and banking, which is your livelihood. Victims should be listened to and helped not just thrown under the bus because a piece of paper came in reporting something else. My business account was closed because of this identity theft and fraud.. XXXX. It is not fair to consumers to be held in virtual captivity with false information being reported on their personal reports that damages their lives. ChexSystems must do better in making sure that their processes are accurate and fair towards its consumers. If the party reporting does not have proper or accurate evidence that it is indeed the consumer debt, problems etc. Then it must produce it or ChexSystems should not place it on report. This should be done before putting negative information on a consumers report. No letter or notice was sent to me regarding this information being placed on my record before it was done. That was the time for the dispute to be given. This could avoid this problem now. I found out trying to place an alert on my name. In addition, this is my first bullet for the second portion. Please fill in what you suggest so I can merge both for all points we want to see resolved and I will edit and put in the report. Please respond right away as I don't want the report to time out.
01/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92117	Web
XXXX Reference Number : XXXX MY NAME IS XXXX XXXX. I AM A VICTIM OF FRAUD AS MY XXXX CHECKING ACCOUNT WAS COMPROMISED IN XX/XX/XXXX BY SOMEONE PRETENDING TO BE " XXXX XXXX XXXX XXXX '' .THEY CONTACTED ME VIA EMAIL OFFERING TO PROVIDE ME WITH A SMALL LOAN WHILE I WAS WAITING ON A PPP LOAN TO COME THROUGH.THEY ASKED FOR MY BANK ACCOUNT INFO AND SAID THEY WOULD DIRECT DEPOSIT {$3000.00} INTO MY BANK. WHEN MY PPP LOAN CAME IN I COULD PAY IT BACK, RELUCTANT AT FIRST BUT I RESEARCHED CASH CENTRAL, SAW THEY WERE REPUTABE ONLINE, PLUS, THESE PEOPLE KNEW I WAS WAITING ON THE PPP. SO IT SEEMED LIGITIMATE TO ME. I WAS TOLD THE DEPOSIT WOULD BE THE SAME DAY, XX/XX/XXXX. I WAS LEAVING TOWN SO I STOPPED AT THE ATM ON MY WAY OUT WAS ABLE TO WITHDRAW FUNDS SO I ASSUMED THE LOAN HAD BEEN FUNDED .WITHIN THE NEXT 24 HOURS THEY DEPOSITED 3 FRAUDUANT CHECKS INTO MY BANK ACCOUNT AND XXXX THEMSELVES THE CASH .I DID NOT KNOW THIS WAS GOING ON. WHILE I WAS IN ARIZONA, I ATTEMPTED TO CHECK MY ACCOUNT AND WAS NOT ABLE TO GAIN ACCESS. I CONTACTED XXXX. THEY NOTICED STRANGE ACTIVITY SO THEY PUT A FREEZE ON MY ACCOUNT THE CSR ASKED ME ABOUT THE DEPOSITS AND XXXX TRANSFERS AND I TOLD HIM THEY WERE NOT DONE BY ME. I EXPLAINED THE SITUATION AND WE CLOSED THE ACCOUNT IMMEDIATELY!! HE TOOK A RECOREDED STATEMENT FROM ME. AT THIS TIME HE INFORMED ME THE INVESTIGATION WOULD TAKE 45 DAYS AND NOT TO OPEN AN ACCOUNT ANYWHERE UNTIL THE INVESTIGTION IS COMPLETE.DUE TO THE FACT THIS HAS BEEN GOING ON SINCE XX/XX/XXXX AND IS NOW XX/XX/XXXX THERE ARE LOTS OF DETAILS AND HAPPENINGS SO I WILL GET TO THE REASON FOR THIS COMPLAINT.I WAS TOLD THE INVESTIGATION HAD BEEN COMPLETE. I WAS TOLD I CAN OPEN AN ACCO0UNT. I WAS EVEN TOLD THEY FOUND THE PERSON RESPONSIBLE NAMED XXXX XXXX FROM OHIO. I WAS TOLD I OWED THEM MONEY FOR MY ACCOUNT BEING OVERDRAWN WHEN THESE PEOPLE COMMITTED FRAUD TO MY ACCOUNT. I ATTEMPTED ON NUMEROUS OCCASIONS TO PAY THEM BACK AND NO ONE AT XXXX WAS ABLE TO TAKE THE PAYMENT? ON THE PHONE OR IN PERSON AT THE BRANCHES I WAS TOLD I WAS IN GOOD STANDING WITH XXXX AND CAN OPEN ANOTHER ACCOUNT. I EXPLAINED TO EVERY PERSON I TALKED TO THAT I HAVE A FEDERAL GRANT WAITING TO BE DEPOSITED INTO A BANK ACCOUNT THEREFOR, THIS NEEDS TO BE DEALT WITH ASAP .IN XX/XX/XXXX I WENT TO THE XXXX BRANCH, AS INSTRUCTED, TO OPEN A NEW ACCOUNT. I WAS NOT ABLE TO BECAUSE SOMEONE HAD REPORTED ME TO CHEXSYTEMS. COME TO FIND OUT IT WAS XXXX! AND THEY ALSO REPORTED ME AS " THE THIEF ''!! THEY SAY I AM THE ONE WHO COMMITTED THE CRIME OF CHECKING ACCOUNT FRAUD!! I ATTEMPTED MANY TIMES TO COMMUNICATE WITH XXXX AND XXXX OF THEIR ASSET REOVERY DEPARTMENT AS WAS NOT ABLE TO GET ANY KIND ASSSTANCE, I SENT LETTERS AND EMAILS EXPLAINING THEY ARE DEFAMATIG MY CHARACTER AND IT SHOULD NOT BE ON RECORED THAT I COMMITED CHECKING ACCOUNT FRAUD!!! XX/XX/XXXX XXXX SENT ME A LETTER STATING " with this final letter, we consider the issue resolved. We will no longer respond to inquiries regarding this matter. " FULL LETTER IS INCLUDED. In California, a claim for defamation involves a false statement made by one person about another person, which causes harm to a person 's property, business, profession or occupation. ... ITS BEEN 5 MONTHS I HAVE NOT BEEN ABLE TO GET MY BUSINESS BACK UP AND RUNNING DUE TO THE FACT I HAVE NOT BEEN ABLE TO OPEN A BANK BECAUSE OF XXXX False STATEMENTS BOUT ME TO CHEXSYSTMS AND UNABLE TO OPEN ACCOUNT TO ALLOW THE FEDERAL FUNDS I WAS GRANTED TO BE FUNDFED! THEREFOR I HAVE NOT BEEN ABLE TO WORK SINCE THE PANDEMIC! I LOST MY CAR, I LOST MY BUSINESS AND ONLY SOURCE OF INCOME, I AM ON THE VERGE OF LOSING MY HOME AND MY PHONE WILL BE SHUT OFF AGAIN NEXT WEEK! IF I LOSE THIS GRANT THAT I WORKED SO HARD FOR, I WILL HOLD XXXX COMPLETLY AND ENTIRELY 100 % RESPONSIBLE FOR NOT ONLY THE {$15000.00} GRANT, BUT THE INCOME/BUSINESS LOST FOR THE LAST 3 MONTHS, THE PAYDAY LOANS AS WELL AS ANY INTREST THEY GAVE INCURRED SINCE I WAS UNABLE TO PAY THEM BACK AS AGREED, WHATEVER IT COSTS TO RECOVER MY VEHICLE AND ANY AND ALL OTHER DAMAGES THE LAW WILL PROVIDE!!
08/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 606XX	Web
Complaint against XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, owned by major Investment Banks and operated by Fidelity National Financial, XXXX XXXX XXXX XXXX On XX/XX/2022 Fidelity National Financial dba via its sham conduit XXXX XXXX XXXX ( registered by Fidelity 's lawyer XXXX XXXX XXXX ) sent me electronically generated, unsigned letter on XXXX XXXX XXXX, XXXX XXXX where I was directed to submit my highly sensitive personal information to some post offices po box es where it will be collected by unknown to me parties. The contact phone number provided by " XXXX '' is regularlty reported to FCC and FTC as a scam robo-call ; and even listed as XXXX XXXX XXXX XXXX XXXX where this " XXXX '' gang belongs, long time overdue ) I demand explanations why letters from allegedly " XXXX '' XXXX always unsigned and never coming from responsible employeess of XXXX - are generated and sent to me by document forger Fidelity XXXX via sham conduits such as XXXX, XXXX renamed as XXXX XXXX, XXXX and XXXX XXXX XXXXXXXX XXXX companies like XXXX XXXX Who has an access to my personal information and my credit report " with XXXX '' - if ALL data about my " credit report '' is handled by undisclosed to me third parties, like XXXX XXXX XXXX, XXXX ( whose top lawyer XXXX XXXX holds more 2500 jobs, from XXXX to XXXX, in various nest doll corporations like ServiceLink ; XXXX ( in variations ), and others ), and XXXX XXXX XXXX XXXX who operates a bundle of XXXX companies like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Which methods use XXXX to contact alleged furnishers of my information? According to public sources, " XXXX '' uses so-called XXXX program, which is a trademark of XXXX XXXX XXXX XXXX XXXX The XXXX process begins with an Automated Consumer Dispute Verification ( ACDV ). In other words, XXXX never contact any alleged " furnishers '' to verify tradelines on customers ' accounts and merely receive electronically transmitted information provided by unknown to them parties- which based on all evidence is Fidelity National Financial acting as XXXX XXXX XXXX XXXX who operates a massive central repository and command center. Why XXXX XXXX, XXXX and their corporations such as Fidelity, XXXX XXXX XXXX XXXX ( better known as LPS ), ect have access to my alleged " credit report files? Anyone who knows about foreclosure litigation and securitization of " debt '' knows that the only way the banks could succeed is if they had a central repository and central command center from which all documents were fabricated and all instructions were issued. For nearly all loans the central command was XXXX XXXX XXXX, aided by XXXX. While XXXX is technically defunct and XXXX XXXX went to jail taking one for the team, the functions of XXXX remained the same. XXXX is active as of today in GA under Fidelity 's XXXXXXXX XXXX changed its name to XXXXXXXX XXXX and in a PR coup transformed itself into the publisher of what is largely viewed as comprehensive data on consumer lending, specially mortgage lending and foreclosures. Hence it went from the purveyor of false, fraudulent, forged documentation to the purveyor of data perceived as reliable and thence became a trusted source whose data is considered worthy of legal presumptions. Systems at XXXX XXXX include data processing on virtually all consumer loans subject to claims of securitization. The systems on XXXX XXXX are designed for the the express purpose of presenting consistent data in foreclosure and collection claims. It also enables the retention of mill lawyers who receive secured emails from unknown to them sources directing lawyers to login into XXXX XXXX 's secured website ( usually XXXX, XXXX or XXXX ) and print documents prepared by other parties- to present these documents in Courts as their own documents. This process is called " referrals '' and described in details in XXXX XXXX XXXX XXXX. I think this process apply to all collection mill law Firms. XXXX XXXX XXXX pleadings are definitely not prepared by lawyers whose names appear on them.
12/04/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 970XX	Web	Servicemember
I rec 'd a collection letter on XX/XX/XXXX from Complete Payment Recovery Services, Inc date XX/XX/XXXX for {$220.00} on an old account at XXXX XXXX XXXX that I had removed myself from back in the summer of XXXX but this signature card is not available through XXXX XXXX, they are saying the removal didn't happen. There were 3 people at the meeting to remove me, so the other witness is not sure why I'm listed in any documents on this account. And the " Tax Responsible Owner '' for this account has been deceased for 4 years and his spouse is the other " add-on '' to this account ; and she is over XXXX and in bk protection, so when her debt card was charged for a service she doesn't use, she was sent a notice by the bank and she asked them to return the funds to her account and it was not handled at the bank in accordance with her request to remove the charge, she was told to jump through so many hoops she could not keep up. She didn't ever understand why someone could charge her debt card when she wasn't using the web services being charged, so she made a personal visit to the bank to have them remove the charges and XXXX XXXX denied her request again, then they closed this account and sent ME to collections. All the while, I'm having NO idea that I'm even on this account because the 3 of us met with the bank 6 years ago to remove me but I'm still listed as an " add-on '', but I was never sent a letter to my address or called to my phone about anything happening at XXXX XXXX but I'm now being sent letters to my home from the collection company and I was called today on my personal cell regarding the collection attempt. My understanding is the bank had a fiduciary duty to remove me when I met with them years ago with the two others on the account ( married couple, including TRO ). They also needed to protect my personal information from leaving the bank when this account has a " TRO '' who is deceased. I'm being told by XXXX XXXX XXXX client services line and the XXXX branch office Manager that I'm not the " TRO '' therefore, I should not be financially responsible and I was never married to the TRO. They said, " for some reason your info was sent to " Check Systems '' ( 3rd party reporting ) like I was a spouse of the deceased and that is how Complete Payment Recovery got my info. They are saying that Complete Payment Recovery Services will never be able to validate the debt but they are still hounding me for {$220.00}. Per XXXX at the Division of Financial Regulation for Oregon, she said to send a letter asking them to validate the debt, so I did last night to stay within the 30 days their letter states. I have spent 2 full days speaking with XXXX XXXX and {$7.00} on certified letter to the collection agency. I also took the call from the Collection company but they wanted me to verify myself by giving out personal information. I told them they have sent me a letter and I have responded asking them to validate the debt and that I'm not answering any personal questions. They told me they would be calling in 10 days again. I don't want their phone calls and I said, I will be communicating by mail. I'm also at risk of my credit being damaged if XXXX XXXX will not cooperate in giving me supporting documentation. I have requested that XXXX XXXX supply me with the two signature cards on file that contain my name to help me dispute the collection efforts because that's the document that shows the TRO status and it will help to prove that I'm not listed as the TRO and XXXX XXXX has denied my requests, as they say they can't give out copies of the cards and they have denied helping to clear this up with any paperwork or a call or a fax to Complete Payment Recovery. They said, we can no longer do anything because the debt has been sold but they are the ones that originated sending my info off and I have no documents that would allow me to support my efforts to clear my name. I have also asked to speak to " higher up '' Managers and I have been consistently denied any escalation.
08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10469	Web
My Social Security Number ( SSN ) was involved in a data breach that occurred on or before XXXX of XXXX, extending until XXXX. This breach affected individuals who underwent background checks and applied for jobs, leading to the appearance of numbers on my record. I did not provide consent for these accounts to be opened, and I lacked an understanding of credit and its mechanisms during that time. Consequently, I did not establish any credit relationships with the companies involved. I urgently request the removal of these erroneous entries from my credit report once and for all. The repercussions of these inaccuracies have been far-reaching and abnormal. Unfamiliar inquiries have appeared, accounts that I neither authorized nor opened have been added, and I've faced denials and disrespect due to these discrepancies. The errors in my credit report are extensive and profoundly incorrect. They encompass several aspects, including but not limited to : * Name Discrepancies : I want to clarify that my correct name is " XXXX XXXX XXXX XXXX '' I have never used nor consented to be referred to as " XXXXXXXX XXXX XXXX '' or any other variations. This is the only accurate name associated with me. * Address Accuracy : My precise address is " XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX. '' It must be consistently displayed as such, including the apartment number. I do not authorize any other variations of this address to be linked to me. * Invalid Addresses : The following addresses on my credit report are invalid and inaccurate, not associated with me : * " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' Moving forward, I wish to address specific discrepancies related to certain accounts : * XXXX XXXX : Contact : ( XXXX ) XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ; Account # XXXX ; Balance : {$6800.00} ; Opened : XX/XX/XXXX. Despite numerous disputes, no corrective action has been taken, and this is my final attempt before pursuing legal action. I had to dispute an account where I was added as an authorized user without my consent, and it's inaccurately reported as accurate. * XXXX XXXX ( XXXX ) : Contact : ( XXXX ) XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ; Account # XXXX ; Opened : XX/XX/XXXX ; Owed : {$4500.00} or {$4500.00} ( discrepancy ). Repeated disputes have yielded no resolution, and I'm now considering legal action. * XXXX XXXX : Contact : ( XXXX ) XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ; Account # XXXX ; Opened : XX/XX/XXXX ; Owed : {$1400.00}. I did not provide consent or a written signature for this account, nor did I authorize its reporting. All these accounts were opened online. * XXXX Card : Contact : XXXX XXXX XXXX, XXXX, XXXX XXXX ; Account # XXXX ; Opened : XX/XX/XXXX ; Owed : {$4700.00}. Similar to the previous cases, I neither gave consent nor provided a written signature for this account 's reporting. All these accounts were opened online. * XXXX XXXX : Opened : XX/XX/XXXX ; Account # XXXX ; Owed : {$5500.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. The account by XXXX was deemed fraudulent and removed, yet XXXX XXXX persists in reporting the collection stemming from it. * XXXX XXXX XXXX : Contact : ( XXXX ) XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ; Account # XXXX ; Owed : {$13000.00} ; Opened : XX/XX/XXXX ; and Account # XXXX ; Owed : {$12000.00} ; Opened : XX/XX/XXXX. I only had a checking account with them, not credit cards or loans. Negative checking account information should be reported to XXXX XXXX, not my credit report. It's worth noting that a breach detailed in an article XXXX XXXX XXXX XXXX ) is responsible for over 21.5 million stolen identities, as discussed. I implore you to rectify these inaccuracies promptly, as they have severely affected my financial standing and personal integrity. I appreciate your immediate attention to this matter.
01/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30344	Web
The description as to why the accounts are to be removed/deleted follows below. Your organization is in violation of my privacy rights and consumer reporting laws. Supporting documentation is/will be attached to this letter. Please read the information below XXXX and XXXX as to not get anything confused! Thank You! To Whom It May Concern : Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- 1. Such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 2. The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and XXXX. The consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. Please take notice, that you, ChexSystems, are operating as a for-profit organization, that is in business to collect, report, distribute, and sell personal data for the benefit of your subscribers. As mentioned in the first paragraph of this letter, you are acting as a non affiliated third party, your affiliation only pertaining to the agreement you have with your subscribers. I DO NOT ACCEPT ANY THIRD PARTY INTERVENORS IN MY CONTRACTS, pertaining to credit or otherwise. Account Information To Be Permanently Deleted : Please see attached documentation Pursuant to XXXX USC 1681b-Permissible purposes of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. Pursuant 15 USC 1681 ( a ) ( XXXX ) & ( XXXX ) Accuracy and Fairness of Credit Reporting This doctrine applies to XXXX since you fall under the law of the FCRA. IN GENERAL ( 1 ) The banking [ consumer reporting ] system is dependent upon fair and accurate credit and consumer reporting. Inaccurate credit & consumer reports directly impair the efficiency of the banking system, and unfair credit and consumer reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. You reporting of unverified negative informaition is underming my public confidence of the banking systems and consumer reporting system. ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Your organization ChexSystems has disrespected my privacy of my ChexSystems consumer report. I, XXXX XXXX XXXX never gave ChexSystems any written consent to report anything on my consumer report. No consent is means that your company/organization has committed IDENTITY THEFT. A copy of FEDERAL LAW is attached with this dispute letter. Concerning the account listed below as a Federally Protected consumer undeXXXX XXXX XXXX XXXX XXXX Im demanding a deletion of this account ( XXXX ) below : Account Information To Be Permanently Deleted : Please see attached documentation You have 30 days to remove this above information and send me my updated ChexSystems report or I will be forced under my legal right to file suit for punitive damages up to {$1000.00} per occurrence.
12/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85719	Web
I am writing this letter to inform you that I have notified the credit bureaus and XXXX XXXX of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. You have violated my rights under 15 USC 6802, by sharing my personal information in direct violation of XXXX, disclose it to third party without contacting me. You are in direct violation of 15 USC 1681b, without permissible purpose, before you can disclose my personal information. Transactions and experiences are to be excluded from consumer reports according to 15 USC 1681a2, you disclosed my personal information to third party debt collector. The tradeline is inaccurate because I am not legally obligated to XXXX XXXX in the amount of {$120.00} for the alleged chargeoff deficiency claim. The address is wrong, this address does not belong to me. The balance is wrong, XXXX is reporting {$120.00}, CHEXSYSTEMS is reporting a different amount. How can an account be CHARGED OFF AND PAID IN FULL? This is an oxymoron. The tradeline is showing two different closing dates, this is inaccurate and wrong. Furthermore, the tradeline is incomplete because you have not verified the date of last activity with the creditor XXXX XXXX, since I had begun dispute regarding this creditor, it appears no actual creditor investigation was actually done, because the date verified did not change. Although XXXX XXXX was closed/Chargedoff. The tradeline appears to show delinquencies after the closed date. How can a tradeline be paid off and still chargedoff? Your verification procedures have allowed this which has been harmful to me and my family. The balance is not correct, and the date of late activity has re aged. Please delete it. The following account XXXX XXXX is reporting a balance of {$120.00}, it is my understanding and reason to believe that because this debt was charged off by you that it was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is canceled and at least should not reflect the balance that is currently showing of {$120.00} on my consumer file. This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge notice and confirmation of the errors. Please provide me with the return of the same time and form as prescribed by regulations, my name, my address, my TIN, the date, and amount of the discharged/charged off debt information as prescribed by the Secretary of Treasury. If not, then I would demand that the accused be removed from my credit report completely to avoid appropriate legal recourse or action on behalf of myself by retained counsel. Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports is concerning me. Therefore, I request that my future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. Your prompt attention to this important matter is required in order to comply with federal law. Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. The law is very clear as to the Civil liability and the remedy available to me for your willful non compliance ( Section 617 and 813 ) if you fail to comply. I am a litigious consumer pursuing litigation in this matter to enforce my rights under the FCRA.
06/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	OH 43212	Web
On XX/XX/XXXX I applied to open a new business checking account at the XXXX, XXXX location of XXXXXXXX XXXX. On the following day, XX/XX/XXXX I was notified the bank declined to open the account due to information provided to them by Chex Systems. I was told I would need to contact Chex Systems to get more information. While this is not the primary reason for my complaint, I have an issue with any organization that has information about me that is impacting a financial or credit transaction and that organization chooses not to provide me with that information. My complaint however is directed at Chex Systems. I requested my Chex Systems report via Chex Systems online request form on Thursday XX/XX/XXXX. I provided them with my personal information as well as an email address. Other than the web form indication that I had completed the form, I received no email confirming the report request was received or would be processed. Friday XX/XX/XXXX I checked my email and still did not see any confirmation. Saturday XX/XX/XXXX I requested the report a 2nd time to be sure I would receive it. Monday XX/XX/XXXX after more than an hour of research online I found instruction and a phone number to reach human support for Chex Systems. The female individual indicated that my online report request was received Thursday XX/XX/XXXX and was mailed Friday XX/XX/XXXX. I understand Chex Systems is required by the Fair Credit Reporting Act to provide the report within 5 days and assume that to mean 5 business days. As of Thursday XX/XX/XXXX I have not received any report from Chex Systems and XXXXXXXX XXXX still refuses to open a checking account on the basis of Chex Systems report. I understand that Chex Systems is in violation of the Fair Credit Reporting Act for failing to provide me with the report. This is the primary reason for my complaint. Additionally, this chain of events is preventing me from opening a bank account and engaging in general business activity for a newly formed LLC. For more detail about the gravity of this situation and how it is affecting me and probably other consumers I will continue to elaborate. XXXX, a banker at XXXXXXXX XXXX, actually mentioned XXXX XXXX initially when she called on XX/XX/XXXX to notify me that they would not open the account. When I pressed for more detail she would not provide any more information and said I would need to contact Chex Systems. I called The XXXX XXXX XXXX on Saturday XX/XX/XXXX to see why or what they would have reported me. XXXX in the fraud department said she could not find any record of my name or social security number in their system and could not do anything beyond that, but she was as helpful and sympathetic to my request. On Monday XX/XX/XXXX I went to the XXXXXXXX XXXX branch in XXXX, XXXX and spoke with the branch manager XXXX XXXX to try and get all information about me that was provided by Chex Systems. He refused to provide the name of XXXX XXXX XXXXXXXX XXXX or anything else that pertained to Chex Systems or the reason I was declined for a bank account. I stated my position and he agreed to ask the bank 's compliance department for permission to release the name ( XXXX XXXX XXXXXXXX XXXX ). On Thursday XX/XX/XXXX I called XXXX and he did state the company listed on my Chex System report was indeed XXXX XXXX XXXXXXXX XXXX of XXXX, XXXX. I contacted XXXX at XXXX XXXX XXXX XXXX again on Thursday XX/XX/XXXX and she contacted Chex Systems which stated there was no inquiry or activity reported by XXXX XXXX XXXX XXXX related to my name or SSN. I am EXTREMELY upset by XXXXXXXX XXXX 's decision to decline my bank account on the basis of Chex Systems and the simultaneous refusal to help identify what info they have from Chex Systems that is causing them to decline my account. XXXX has also stated that is is likely no other bank will open a new account for me based on this same Chex Systems report.
02/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21207	Web
Dear XXXX XXXX BANK : I am responding to your contact about a debt you are trying to collect. You contacted me by postal mail, on XX/XX/2022 and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. Thank you for your cooperation.
02/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32817	Web
Recently around XX/XX/XXXX I went to on of my local credit unions to obtain a membership and they told me that my " CHEX SYSTEMS '' report was frozen and that I would need to unfreeze it in order to obtain membership. I had previously had this issue and called this company to make sure there was no freeze on my file so that I could obtain the membership. This consumer reporting agency ( whom I have never heard of publicly ) stated that I did not have a freeze on file with them currently. After I attempted again to try and get a membership with the credit union but was told the same thing, I communicated that I had already contacting the company and was told there was no freeze attached to my file/information ( which I did not give consent to have ) and that I wouldn't need to contact them again. I have been going back and forth with both institutions who both claim its the others company 's system. All this back and forth has really frustrated me and it is not equitable me, so it is for this reason that I writing you via this CFPB portal so that I will receive a timely response and come to a solution quickly. The FTC has notified me that the the CFPB has jurisdiction over the consumer reporting agencies to enforce the rights of the consumer, so that is why you are receiving this from the CFPB. FOR THE RECORD, I have NEVER given my consent, neither written NOR oral, for CHEX SYSTEMS to have, maintain, store, furnish or share any of my person, private and confidential information. This is a violation of my individual right to privacy and also known as IDENTITY THEFT for unauthorized use of my private information without my consent. I am writing this to request that Chex systems cease All furnishing of any information and remove my information from their files immediately. Pursuant to 15 USC 1681b ( a ) ( 2 ) this is my written request that you CEASE, REMOVE and BLOCK ALL information you are currently furnishing using ANY of my information. There is no security freeze needed because you should NOT have my information in the first place, once again you have obtained my information and are furnishing information onto my consumer report BOTH WITHOUT MY PERMISSION OR CONSENT. This is a violation of FEDERAL LAW. Your unlawful furnishing of information against me on a consumer report that you maintain on my general reputation, character, credit standing, credit capacity and mode of living is currently damaging my reputation, impairing my credit standing and credit capacity, causing me great financial harm, preventing me from entering vital consumer credit transactions necessary to increase my mode of living and achieve financial prosperity for myself and my loved ones. This has caused me a severe amount of stress, emotional disorder, mental unrest, sleepless nights and a severe decline in productivity within my work environment. You, CHEX SYSTEMS ( a private corporation and non-interested third party ) are NOT respecting my RIGHT to privacy and will be held accountable to the full extent of the law. If CHEX SYSTEMS disagrees with any of these facts as they have occurred I demand that a senior executive officer respond promptly attesting to any alleged facts under penalty of perjury and notary seal, also to be accompanied with DOCUMENTARY EVIDENCE that you were given my consent directly from myself to furnish and consumer reports or maintain any records on me. By law this evidence MUST be attested to under penalty of perjury and authenticated before it is admissible, less it be considered as hearsay. You have received everything necessary to remove and block all information pursuant to 15 USC 1681c-2 ( a ), it would be wise for your to comply with these demands. Once again ANY and ALL information you are reporting against me on a consumer report is theft of my identity and unauthorized use, you have done so without my consent, permission or knowledge!
06/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 322XX	Web
ChexSystems , Inc. Attn : Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Florida XXXX RE : FRAUD RE : EXTORTION RE : BLACKMAIL RE : RACKETEERING RE : FCRA VIOLATIONS RE : LIBEL DEFAMATION RE : PRIVACY ACT VIOLATIONS RE : AGGRAVATED IDENTITY THEFT RE : GRAMM LEACH BLILEY VIOLATIONS RE : XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX Protected Consumer to CHEXSYSTEMS AND THEIR CODEFENDANTS/CLIENTS/CUSTOMERS/VENDORS/ SOURCE. I am a natural person who is at all times relevant. Your agency has sent me 3 copies of bank statements from both XXXX and XXXX XXXX which is not what I requested. I am aware My nonpublic personal information should never be disclosed without my lawful consent to ANY NON-AFFILIATE THIRD PARTY. My personal transactions and experiences shall never be communicated with any NON-AFFILIATED THIRD PARTY. I never received ANY CLEAR and CONSPICOUSLY disclosures that I would be violated in this manner. I was never given the proper information to OPT OUT OF HAVING MY INFORMATION SHARED GRAMM LEACH BLILEY ACT of 1999 ( 15 U.S. Code 6821 - Privacy protection for customer information of financial institutions ) CHEXSYSTEMS AND THEIR CODEFENDANTS/CUSTOMERS/CLIENTS/VENDORS/SOURCE does not have my Lawful Consent, Authority NOR Power of Attorney to sell, report, share, transfer, compile NOR store my personal information, my financial information, and DOES NOT HAVE the right to speak for me on my behalf. HOW CAN SOMEONE WHO CAN NOT SPEAK, SPEAK FOR ME? CHEXSYSTEMS AND CODEFENDANTS/CLIENTS HAVE NO VOICE AS MINORS/CORPORATIONS. CHEXSYSTEMS nor their CODEFENDANTS/ CUSTOMERS/ CLIENTS/ VENDORS/ SOURCE have my LAWFUL AUTHORITY NOR CONSENT to transfer, possesses, or use any of my personal identifiers, my financial information, my professional, my health information for any reason at all 18 U.S. Code 1028A - Aggravated identity theft ( C ) ( 4 ) ( 5 ) ( 8 ) section 523 of GRAMM LEACH BLILEY ACT ( 15 USC 6823 ) ( relating to obtaining customer information by false pretenses ) I have reason to believe the above mentioned CORPORATIONS willingly and knowingly are on a mission to conspire to injure, oppress, threaten and, intimidate me 18 U.S. Code 241 - Conspiracy against rights and They shall be fined under this title or imprisoned not more than ten years, or both. I have reason to believe the above mentioned CORPORATIONS are trying to force me to pay an alleged debt by furnishing unlawful information as a threat to force me to do as they please 18 U.S. Code 873 - Blackmail and they shall be fined under this title or imprisoned not more than one year, or both. I have reason to believe CHEXSYSTEMS has ill intentions to purposely harm my reputation as a means to coerce me into paying monies to their SOURCE 18 U.S. Code 875 - Interstate communications ( D ) they shall be fined under this title or imprisoned not more than two years, or both. I have reason to believe the above mentioned CORPORATIONS are operating in systematic extortion on a regular basis this has also been called EXTORTION RACKETEERING ( XXXX ). I have reason to believe the above mentioned CORPORATIONS are involved in ORGANIZED SOPHISTICATED ILLEGAL CRIMINAL ACTIVITY in an effort to cause harm to me, intimidate me, cause duress, and force me to do something out of my own free will. I have reason to believe the above mention CORPORATIONS feel I am a vulnerable target with insufficient social control. EXTORTION RACKETEERING ( XXXX ) forces victims to act under duress in exchange for PEACE and SAFETY. I am requesting CHEXSYSTEMS AND THEIR CODEFENDANTS/ CLIENTS/ CUSTOMERS/ VENDORS/ SOURCE stop willfully and knowingly purposely trying to ruin my financial well-being. DELETE all account information, all personal information, and all financial information from their system as soon as possible. This is my final attempt to handle this matter privately.
12/05/2017	Yes	Checking or savings account Other banking product or service	Managing an account Cashing a check	MA 014XX	Web
I am contacting you to file an official complaint against Certegy Check Services XXXX XXXX XXXX XXXX XXXX, FL XXXX. But also to urge you to file criminal charges agaist them for their failure to adhere to the rules and guidlines of the Fair Credit Reporting Act ( FCRA ). " You must be told if information in your file has been used against you. '' " You have the right to know what is in your file. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - More specifically they are in non compliance with the terms and conditions of a XXXX XXXX dollar settlement with the FTC " The FTCs complaint alleges, among other things, that Certegy did not follow proper dispute procedures. The complaint further alleges that Certegy failed to follow reasonable procedures to assure maximum possible accuracy of the information it provided to its merchant clients, as required by the FCRA. '' " Among other things, the settlement requires Certegy to make improvements in these areas. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On XXXX XXXX, XXXX I attempted to pay for services using a check. The vendor ran their customary verification with Certegy. Certegy " Declined '' my check. I was told to call XXXX which I did from the vendor 's location. Certegy 's " robot '' provided no information as to why my check was declined other than my check " did not meet there acceptance guidelines ''. It should be noted that I have never bounced in check in my life! And, I 've been writing checks for over 40 years. I went to Certegy 's website per their recommendation. Using their so called " Declined Check Look Up '' tool provided the same response. Once again, per Certegy 's recommendation I downloaded their " Free Annual File Disclosure Request Form ''. After completeing the form I sent it via registered mail along with a letter demanding a full explanation that includes specific, detailed, and verifiable reason ( s ) in declining my check. Certegy 's written response was an insult. They provided no information as to why this check was declined other than to regurgitate that my check " did not meet there acceptance guidelines ''. I contacted the Massachusetts Attorney General 's office via their website and was referred to their Consumer Advocacy and Response Divison. In working with the people at the Consumer Advocacy and Response Divison we made several conference calls to Certegy. Neither I nor the agents at the Consumer Advocacy and Response Divison could convince Certegy to reveal exactly why my check was declined. In fact, they flatly refused to let us speak with a manager to discuss this. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Please find and review the attached documents that further outline my problems with Certegy. ++ Certegy Check Customer Service Transaction search.XXXX -- This is a screen shot of the results I got using Certegy 's website when attempting to learn why they declined my check. ++ Demand Letter To Certegy.XXXX -- This is the certified letter I sent to Certegy demanding an explanation for declining my check. ++ Certegy ResponseXXXX -- This is Certegy 's response to my demand letter. ++ XXXX XXXX -- This is a diary of my encounter at XXXX where my check was declined. ++ Attorney General Claim Log.XXXX -- This is a diary of my efforts with the Massachusetts Attorney General 's Consumer Advocacy and Response Division. ++ Certegy Check Services to Pay $ XXXX -- Copy of a FTC acticle where Certegy had to pay XXXX XXXX dollar fine for doing what they did to me. ++ XXXX to Pay $ XXXX -- Copy of a FTC article where XXXX also had to pay a XXXX XXXX dollar fine for similar behavior.
04/13/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	SC 29708	Web
Chexsystem once again does not deal with my issue. My complete knowing of ChexSystems, their policy of stating that a police report filed six years before the current identity theft situation, arising in a victim 's life, they demand a new police report or an amendment be filed, that does not need to be filed. Chexsystems has claimed that my police report is outdated because it does n't take place when the new identity theft has occurred. This is my claim, that ChexSystems is avoiding they break the law by saying they can interpret the law to demand a new police report or not talk to you for over two and a half years. From XX/XX/XXXX until XX/XX/XXXX when I first filed a complaint against them with the Consumer Financial Protection Bureau chexsystems refused to talk to me they hung up on me several times over the course of those two and a half years. Only since the Consumer Financial Protection Bureau has gotten involved has ChexSystems started communicating again. they are continuing to lie and avoid the issue. Section 605b of the Fair Credit Reporting Act does not require any dates or times for a police report to be filed whether it be 10 years ago or 20 years ago that the initial police report was filed that police report is still valid in XX/XX/XXXX as the law demands it to be. ChexSystems is trying to reinterpret the law and to demand new documents when the law does not require these. So until Congress rewrites the law chexsystems has to follow the law. They did not do anything to try to accommodate me for two and a half years. that is a total lie because they treated me rudely and disrespectfully and hung up on me when I try to tell them what the law actually said. since the Consumer Financial Protection Bureau got involved I got to speak to the asst. general counsel XXXX XXXX. he understood that the Law did not give ChexSystems the right to do what they were doing by demanding new reports or amendments to old reports, and he is the one that cleared up the identity theft that I have been the victim of for over 20 years. Please Force ChexSystems to respond to the claims that their policies need to be changed to find that they are guilty of breaking the law and demanded they follow the law instead. They do n't simply ask for a police report that is a total lie. They demand new police reports or amendments to police reports because they feel that the police report is outdated. The law does not require any of that but ChexSystems feels they can do that because nobody holds them accountable and that 's what I 'm attempting to do and they are not responding to my claims. They are lying they are breaking the law and because they finally followed the law with me individually they are still probably harming thousands if not millions of other people because they feel above the law. They act as if their interpretations of the law become new law. they are not Congress and they are not the courts so they need to follow the law which says they only need to get a police report regardless of any dates about identity theft and then the consumer States what information is identity theft in their report and ChexSystems is supposed to block this information within 4 business days of getting the police report. Check systems can not say this police report does n't meet our requirements and we do n't have to block these items which is exactly what chexsystems does. for two and a half years they did not talk to me about items that were on my credit report that were 100 % identity theft as proven by the recent removals of that information and only because the Consumer Financial Protection Bureau submitted my complaint to them several times. Chexsystems needs to be held accountable and answer to these claims because they are 100 % true and factual and I state that under the penalty of perjury of the United States.
07/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75082	Web
Chexsystems continues to violate all of the FCRA laws in place to protect consumers and victims of identity theft. Not only did Chexsystems advise they wouldnt assist me with the inquiries they let go through WITH A SECURITY FREEZE ON MY REPORTS. Additionally these inquiries are duplicated and triple sometimes even quadruple. I did not authorize these nor did I apply for any bank accounts.The FTC is a Government Agency setup to assist consumers and protect their rights. As a victim of identity theft and by the FCRA laws, and also according to your website. If I provide you notice of Identity theft, also provide you a document declaring Identity theft, I have a legal right to ask the consumer agency to block this information. Additionally you stated XXXX XXXX inquiry in XX/XX/2017 was authorized, however I havent applied for any account or service with them in XX/XX/2017 at all. Therefore that is false and you continually put fraudulent information on my reports abusing me as a consumer. Additionally ChexSystems continually violates all of the FCRA laws in place to protect consumers. Each Violation is subject to a {$1000.00} fee in court, considering ChexSystems has allowed over 40+ Inquiries on my ChexSystems reports, and refuses to block the information, even after providing a Law Enforcement FTC Document. This is violation of my consumer rights. CHEXSystems additionally sends a letter to me telling me they " verified these as accurate '' However they do not provide what they verified was accurate did not send me any information as to how their investigation took place, and did not provide any proof of accuracy. Additionally ChexSystems continues to report fraudulent addresses and names on my ChexSystems Report, once again a violation of law, they continue to give out my ChexSystems report as well, and continue to allow companys to post inquiries to my chexsystems report, even with a Fraud alert, and security freeze. This is costing me alot of damage to myself and credit. As not only did the fraudster use my chexsystems reports to make inquiries, additionally chexsystems took my chexsystem score down to almost below minimum due to these inquiries. Again in which i did not initiate. I have sent them a law enforcement document. The Law for the FCRA does not require a consumer to have the FTC report signed by a law enforcement officer. I am in the State of Texas and no where does it state i MUST Have this document signed by a LAW Enforcement officer to have fraudulent information blocked from my consumer file. AGAIN ChexSystems refuses to follow all law 's and protocols put in place to protect consumers. Again i DO not have to by law get a law enforcement officer to sign the FTC document for you as it is ALREADY sent to law enforcement. No where in the State of Texas nor FCRA laws does it state that a consumer has to by law obtain a signature of a sworn officer on a FTC report to have fraudulent information blocked as a result of identity theft. Please do find the SPECIFIC Law stating that i must have a law enforcement officer sign the report before its valid. The FTC Already reports this to law enforcement and the site was built to support victims of ID theft and all companies have complied BESIDES ChexSystems they continue to violate and abuse the FCRA laws. Also they are providing false information on their website which shows you have a right to have information blocked from your file if you are victim of ID theft. Straight from their website. In their latest response they again only state that i have to by law have a enforcement officer sign the document before they will block anything, yet they don't show the ACTUAL Fact of law that shows this information. In the State of Texas that is not a law. You have a right to choose to have a Law Enforcement officer involved or not.
03/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information that should be on the report is missing	WA 98032	Web
On XX/XX/XXXX, I applied to open a checking account with XXXX. I currently have a checking account ( and associated debit card ) with XXXX XXXX XXXX, and have had since XXXX. I planned to use this second checking account ( an interest-bearing account ) primarily as a savings account, with some occasional debit card activity. To my shock and surprise, my XXXX account application was declined - the result of a low Consumer Score ( XXXX ), as XXXX 's minimum acceptable score is XXXX. This low score ( according to XXXX ) was being assigned as a result of information provided by an agency known as ChexSystems. I had never heard of this agency before, but following the instructions provided in the XXXX declination letter, that same day I made an online request to ChexSystems for a free copy of the exact report/information they had provided XXXX. Several days later I received a report from ChexSystems in the mails, with absolutely no negative, derogatory, or adverse information on it! Confused, I decided to make an appointment with a XXXX banking representative ( at the local XXXX XXXX office ) - I showed him the ChexSystems report I had received, and he said he could see nothing that would cause concern, and he even " looked '' at my ChexSystems record from the Credit Unions ' access side - then he said something that caused me a lot of concern - he said he had never seen a record like that - that usually there were notations of NSFs or other adverse activities - but on my record, there was nothing. He then suggested that I contact Chexsystems, and try to get an explanation from them. That idea proved to be absolutely worthless, as the ChexSystems rep just told me I could dispute anything on the report - but wait! - what can I do if there's no negative information to dispute?? They also told me I could dispute the previously-assigned score. So I did both those things, but the reports came back with no new information, and the score came back only 3 points higher ( XXXX ). I decided to speak to someone at XXXX one more time, to see if perhaps I was overlooking something on the report. I also wanted to try and get some guidance on what my next steps should be. I met with a district branch manager at XXXX 's corporate headquarters in XXXX. This proved, once again, to be an exercise in frustration, as she looked over the ChexSystems report very carefully, but could find nothing of concern. She asked me who I currently banked with, and I told her that I had banked with XXXX XXXX XXXX for the last 10 years. After spending an hour with her, as she looked up terms used on the ChexSystems report trying to determine what might be causing the low scoring, the only thing she ended up suggesting is that I go to XXXX XXXX XXXX, and ask them to file a formal dispute with ChexSystems, as there must be something that they're reporting in error. Of course, she was working under the assumption that XXXX was indeed reporting some misinformation - so my next meeting was with a XXXX branch manager at the XXXX branch in XXXX XXXX ( where I first opened my account back in XXXX ). This meeting also became a frustrating experience, as this manager was insistent that the bank was reporting no derogatory information to ChexSystems, so she was not able to dispute anything - once again saying that this ChexSystems report I had was very unusual. Then she actually told me that I should now seek legal counsel and protection under the consumer protection laws, and file a formal complaint under the FCRA. So, here we areI 've been unfairly denied the opportunity to establish a checking account with XXXX because of information provided by ChexSystems, and this financial activity reporting agency has been unable to provide me with verifiable reasons for the low consumer score that I've been assigned.
07/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11701	Web
My wallet was stolen in XXXX of XXXX. On or about XX/XX/XXXX, and XX/XX/XXXX, at the XXXX XXXX XXXX located in XXXX, New York, an unknown individual ( unknown to myself ; however, XXXX XXXX XXXXXXXX is in sole possession of any and all video footage that would assist to identify the individual ) deposited fraudulent checks into the account of XXXX XXXXXXXX through the ATM located there, in the amounts of {$1200.00} and {$1800.00}, respectively, using my stolen Debit Card and PIN ; Before these checks were identified as fraudulent, this same individual, or others acting in concert, withdrew {$200.00} from my account on XX/XX/XXXX and {$600.00} on XX/XX/XXXX, using the aforementioned Debit Card and PIN. Again, XXXX XXXX XXXXXXXX is in sole possession of any and all video or other footage that would have captured the identity of this individual ( s ) ; Thereafter, this same individual, or others acting in concert, proceeded to withdraw {$200.00} in two separate transactions on XX/XX/XXXX at a XXXX XXXX XXXX XXXX store located in XXXX XXXX, New York ; Not surprisingly, these amounts total just under the amount ( {$1200.00} of {$1200.00} ) of the fraudulent check deposited on XX/XX/XXXX ; On or about XX/XX/XXXXXXXX XXXX XXXX XXXX identified the fraudulent check deposited on XX/XX/XXXX as such, and removed the funds from my account ( On XX/XX/XXXX, the same action was taken as to the XX/XX/XXXX check ), including a {$24.00} total fee applied against my account, leaving my account with a negative balance ; I filed a police report on XX/XX/XXXX and provided the Police Report to XXXX XXXX XXXX on XX/XX/XXXX ; At the relevant times and dates of the fraudulent transactions on XX/XX/XXXX and XXXX, XXXX, I did not have a valid drivers license, access to a vehicle, and was in the presence of my family and other individuals who have agreed to provide sworn statements to that effect ; Thereafter, despite consistently advertising their {$0.00} liability guarantee and possession of the sole security footage that would be almost conclusive of my innocence herein, XXXX XXXX XXXXXXXX refused to acknowledge my claim that I was clearly the innocent victim of a fraud ; Furthermore, after XXXX XXXX XXXX refusal to abide by their own advertised policies, I provided a written statement to ChexSystems requesting that they investigate the subject fraud, whereupon ChexSystems refused to remove the negative report of XXXX XXXX XXXXXXXX on my credit history. I then engaged an attorney, XXXX XXXX, who provided a detailed complaint to Chexsystems and XXXX XXXX XXXXXXXX with regard to the fraud on XX/XX/XXXX. The attorney was contacted by Chexsystems thereafter, and advised, both via telephone and in writing, that Chexsystems " investigated '' the complaint ( asking XXXX XXXX XXXXXXXX their position on it without any actual investigation ). They advised that without a Police Report being filed and provided to XXXX XXXX XXXXXXXX, they could do nothing to reverse the result. This means that not only did XXXX XXXX XXXXXXXX fail to provide the ATM camera footage in their sole possession, but they fraudulently withheld the existence of the Police Report from Chexsystems that had been provided to them in XXXX of XXXX. This " investigation '' was a sham at best, and a violation of my rights under the FCRA. XXXX ID # XXXX at ChexSystems was the individual who stated and confirmed on a recorded line that no police report was on file or provided to them. I have since tried, through my counsel, to obtain further clarification from XXXX XXXX XXXXXXXX and ChexSystems. XXXX XXXX XXXXXXXX has not replied in any way shape or form to my counsel 's correspondence dated XX/XX/XXXX, in further violation of the FCRA, as more than 30 days has passed. I have full documentation with regard to all of the above.
03/25/2015	Yes	Credit reporting	Incorrect information on credit report Account status	TX 762XX	Web	Servicemember
I made a purchase at an XXXX XXXX XXXX on XXXX/XXXX/15 and paid by check for {$210.00}. XXXX XXXX made an error when processing the check. They transposed a XXXX and a XXXX on the routing number for the bank account. XXXX XXXX then had Certegy Check Services ( XXXX ) claim that the check was no good. ( Certegy claim XXXX ). Rather than XXXX check their processing work, Certegy then handed the case over to another company called XXXX XXXX XXXX XXXX. ( XXXX - again claim XXXX ). I started getting notices a month later saying that I was writing bad checks. I contacted XXXX XXXX ( case XXXX ) and they advised that there was nothing that they could do as they do n't handle the accounting. I then spent 2 months trying to correct the issue. My financial institution ( XXXX Bank ) identified that XXXX and Certegy made an error in the processing and that I was in no fault. XXXX could not do anything to clear the fault, as it was determined that they did not have the original check. They forwarded me to Certegy who then forwarded me to Complete Payment XXXX XXXX. During this entire time, I was treated like I was dishonest even after having my bank send them a letter identifying where the error occurred. During this entire 2 months of working in good faith to resolve the issue, 1 ). I could not work with XXXX XXXX to ensure that they had their money. 2 ). Complete Payment XXXX XXXX did not notify me at the address on the check or the phone number on the check, rather they sent letters to an address that I occupied 10 years prior. Fortunately, the letters eventually made it to my new address as I knew the new owner. 3 ). I started getting harassing phone calls wanting me to verify my personal information with Complete Payment XXXX XXXX of which I had no idea who they where or why they kept calling me. I had never bounced a check in my entire XXXX years and knew of no outstanding debt. After numerous calls to XXXX, Certegy, my bank and Complete Payment recovery systems, I was able to have the penalty removed from the charge and got them to accept a new check on the same account that they made the error on. I would of thought that this was the end of my issue as I worked in good faith with all parties on resolving XXXX XXXX mistake but that was not the case. When I went to write a check for merchandise after spending 2 months to resolve this issue in their best interest, My checks are being declined. Being XXXX years old, having great credit rating, never bouncing a check I would not expect XXXX clerical error by a merchant to cause my checks to be declined. However, now when I go to a store to buy merchandise, my checks were declined with an " Certegy error code XXXX ''. When I contacted Certegy, they advised that my Certegy account had a negative posting ( related to the check processing error ) and that my account would be limited for the next 14 days. How can XXXX company, working on behalf of another company with no review of their error even after the problem was identified, have the ability to flag my banking account to the point where I ca n't even buy groceries? During this entire ordeal, I escalated with all XXXX companies and was told that they saw the issue, would work on it, and yet nothing happened other than my account being restricted. Now I had to open a debit account with my same bank in order to make purchases and wait 7 days for that to arrive. During which time, I have to pay cash for my purchases and limit any shopping that I do. I have yet to run my credit report, but since merchants are already declining my check, I suspect that it 's on it. This will directly influence any purchases that I make at any merchant out of fear that this happens again.
09/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 945XX	Web
Hello, Please reference Case No. XXXX # XXXX. On Friday, XX/XX/XXXX, I received a scheduled phone call from an XXXX XXXX XXXX operations technician, XXXX XXXX ( XXXX ) XXXX. This scheduled phone call was generated by multiple customer service calls concerning account restrictions, claims of fraud and account closure starting on XX/XX/XXXX. The customer service calls resulted in then escalated to investigative operations management concerning an unauthorized transaction at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Before account review escalation procedure was implemented, the customer service rep. reviewed check endorsements deposits and determined a full investigation of my claim of Unauthorized transaction dispute was not done properly, and claim of fraud should be rescinded from the credit reporting accounts. XXXX XXXX who filed a fraud report to XXXX XXXX and XXXX, restricted all existing accounts at this bank, whereby they would not allow any deposits or withdrawals because of an " Unauthorized Transaction Dispute '' at XXXX XXXX XXXX XXXX XXXX in the amount of {$550.00}. THE INVESTIGATION AND SCHEDULED PHONE CALL Before my account restrictions were implemented by XXXX XXXX XXXX, a written request for the documentation used to qualify XXXX XXXX XXXX refusal to provide refund and further investigate the claim of unauthorized transaction. The materials sent in response to my request were as follows, ( 1 ) Copy of Merchant Receipt with Signature, ( 2 ) Letter containing the merchant response affirming signature of acceptance of charges and ( 3 ) XXXX XXXX XXXX XXXX transaction details. After account restrictions and closure notices were received XXXXXXXX XXXX XXXX XXXX XXXX Management were sent a letter disputing the charges and copy of their own merchant receipt they provided, also I provided a copy of my signed Passport Photo. XXXX XXXX XXXX XXXX responded by refunding the charges and apologizing. XXXX XXXX XXXX representative, XXXX XXXX respond by investigation at to my whereabouts on the day in question of the charges, and why my dispute story changed from a partial dispute to a full dispute of the charges, it was unauthorized period ... ..per " XXXX Core Rules and XXXX Product and Service Rules '', and under " Card Acceptance Guildlines for XXXX Merchants ''. This is what the requirements of card providers and merchants whom accept the XXXX debit or credit cards. Furthermore her line of questioning was not about the the unauthorized transaction, nor the failure of her Banks ' dispute department to compare the signatures of the merchant receipt and check endorsements on file at XXXX XXXX, but more of an investigatory process to cover their legal liability in the case of their Failure of Duty of care. The dispute resolution process, per the Account Holders Agreement should not have exceeded 90 days, and it did - ( XX/XX/XXXX, first fax dispute form sent, XX/XX/XXXX, dispute canceled because of none receipt of fax dispute, XX/XX/XXXX refiled fax dispute til XX/XX/XXXX account closure and fraud report submitted and accusation of fraudulent activity by account holder submitted to credit reporting agencies ). The scheduled call resulted in wasting three weeks of my time, they never rescinded the reporting of fraud, never mentioned the unauthorized transaction was a valid dispute, never follower Account Holders agreements, never followed the XXXX Guidelines for Card holder authorization or followed through with investigation on the dispute. I have made a formal complaint with XXXX, and will follow with a civil action regarding the compulsive fraudulent nature of this bank and its culture of deceitful practice. Yours, XXXX XXXX XXXX XXXX c
05/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32725	Web
This complaint is being filed under the XXXX XXXX XXXX 's Office case number XXXX, as an attachment to a Class Action lawsuit, case number XXXX that was filed on XX/XX/XXXX, and that this complaint is a secondary Class Action lawsuit within the same information as described under the case number XXXX. This complaint is solely being filed under 18 U.S.C 1030, as to " The Computer Fraud and Abuse Act '' that outlaws conduct that victimizes computer systems, that pertains to a Cyber Security Law. The HB 969 has failed consumers within this Class Action due to ongoing impropriety, a failure to observe standards ( that still have not been corrected ) after the HB 969 was signed into law. This complaint comes after I applied for a XXXX Bank Debit Card with cashback features, known as a debit checking account from the IRS website of potential debit cards to receive a tax refund, a stimulus deposit, from a list of banks on the IRS website. I was " unable to be approved for my request to open a cashback debit account with XXXX XXXX from the IRS website list due to a Chex Systems , Inc issue. The information I received online was the following, 1 ) the Chex Systems Score was " not available '', 2 ) the Chex Systems Score Date was " not available ''. I, then requested a copy of my Chex Systems Consumer Report and found the same information under the Class Action Case XXXX that also applies upon myself. That on XX/XX/XXXX, XXXXI applied for the XXXX XXXX Debit Cashback Card on the IRS website, that the following is deemed punitive, defamation of my character to provide incorrect, deceptive business practices upon my name, my social security number from the inquirer " XXXX XXXX '', on behalf of " XXXX XXXX XXXX '' at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX. Then on inquiry date of XX/XX/XXXX where the last four of my driver 's license is shown, from address of XXXX XXXX XXXX, XXXX, Florida XXXX, from " XXXX XXXX '' at XXXX XXXX XXXX, XXXX, Florida XXXX, on behalf of " XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXXthat I have never heard of this business, or any of its affiliates. On the same day XX/XX/XXXX from my previous mailbox of XXXX XXXX XXXX, XXXX, Florida XXXX, along with the last four of my driver 's license and social security number for illegal verification from " XXXX XXXX '', a third party company that denies consumers with limited credit history from one of the credit bureaus named XXXX. This was on behalf of XXXX XXXX XXXX, a company I have never heard of, nor any of their affiliates from XXXX. The address to XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX, Il XXXX. Furthermore, a date of XX/XX/XXXX from address of XXXX XXXX XXXX, XXXX, Florida XXXX, along with the last four of my social security number, last four of my driver 's license, but does not provide " on behalf of ''. This is a set example of " deceptive business practices '' upon the third party agency from XXXX .I am seeking punitive damages and am adding this complaint to Case Number XXXX for the similar reasons mentioned in the Class Action Lawsuit, as to A ) Invasion of Personal Private " pull '' of my credit report " without my authorization '', B ) that XXXX 's third party agency/company defines " deceptive business practices '' even after the HB 969 was signed into law, a ongoing federal violation under 18 U.S.C 1030, " the conduct that victimizes consumers over the computer, as a violation of the " Cyber Security Law ''. Lastly, Chex Systems has a Consumer Id number for myself as XXXX, and that my Social Security number will be hidden due to " privacy concerns '' upon my laptop. This complaint will also be filed upon with a DOJ case number of XXXX. Sincerely, XXXX XXXX XXXX XXXX
11/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33312	Web
My identity was stolen a few years ago. The person who stole my identity assumed my identity, filing taxes, renting apartments, bought and registered vehicles ( even receiving parking tickets in one of them ) ; as well as opened checking and credit cards in my name. They got away with it for some time before I noticed as I was frequently ( more often than not ) out of the country for work at this time ) as the accounts they opened were being paid/utilized and my mail was being intercepted and or forwarded. In fact ; I think it still may be being intercepted. I really am not sure, that is kind of the way fraud is designed though. At some point I did being getting collection letters and I was disputing them directly with the creditor. Then, when I finally received my credit report and realized what had happened. This was about the spring of 2017. I still tried to work directly with the creditors, to no avail. I was not directed by anyone to report the fraud to police for months. I did attempt to file a police report in XXXX of 2017 but the police told me I needed to come back with documentation and then we were hit with Hurricane Irma and I left the area prior to the storm and was not able to return as there was no power for over 2 weeks. When I finally did return, I went to file the police report as soon as possible ( when brought me into the first part of XXXX as the police station does not take reports Sunday or Monday and these are usually the days it is easiest for me to go ). I have explained as well as documented all of this until I have become blue in the face to every creditor, credit reporting bureau, lender and anyone else privy to the information and or history ; however Chexsys absolutely refuses to follow Federal Law and is denying my rights to me under the FCRA and the FDCPA ; specifically 15 U.S.C. 1681c-2 by refusing to block a fraudulent account and scores of unauthorized inquiries from my report. They have been playing games with me, causing me to jump through hoops and causing me additional and considerable compensatory and monetary damages. They have changed their story several times and have been giving me the run around for nearly 6 months taking up dozens and dozens of hours of my time causing me to lose time at work and money. I reported the accounts that were fraudulent to them and were needing to be blocked back in XXXX of this year ; instead of processing it is fraud, they opened an investigation as if it were a dispute and insisted I wait 30 days for them to complete the review ( by law they are supposed to block the accounts within 4 days ). I called and pleaded with them several times during this 30 day period, explaining to them the damage to my credit history and the problems it was causing me- but to no avail. I documented the theft to a T. I sent the police report, a cover letter explaining the ID theft and demanding they block the account pursuant to FCRA U.S.C. 605B ( 15 U.S>C> 1681 c-2 ) ; both my drivers license and social security card and even furnished them with a copy of someone utilizing a fake id with my information. All of this was in vain I suppose. They claim that the police report was insufficient due to the dates ; however I didnt learn of the account being reported to them until XXXX of this year when I tried to get added as a signor to my business partners existing checking account. After that it took me months and months of trying to even get my report from them as they were attempting to get me to verify the fraudulent information and I have no idea what the people or persons who took my identity did or attempted to do with my information. Please help me. This is causing me numerous problems.
01/30/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	TX 75002	Web
Fidelity did not provide resolution to my claim. There has been fraudulent charges on my two credit card accounts with XXXX. XXXX AKA XXXX, has advised they " Claim '' they have confirmed the validity of the charges from the merchants during their investigation and claim they were able to confirm this from merchant documentation of cash advances. There was no merchant documentation, I never claimed a pin for these cards was never sent a pin. XXXX was notified on XX/XX/2019 That the cards were lost or stolen, There was a Fraud Affidavit sent in, and one of the Merchants " XXXX XXXX '' Sent credits / reversals accepting liability for the fraud. Which XXXX/ XXXX confirmed as well. In their latest response, XXXX states that " I refused to answer further questions or file a police report '' Which again is a lie, XXXX never returns my calls. They refuse to assist and I was demanded to speak to " XXXX XXXX '' ( Fraud Supervisor ), Yet he lied to me telling me he was going to " Get me '' These are not valid charges, I have substantial proof that these charges were performed fraudulently, Again I do not have an XXXX Account, I do not have a XXXX Account, and I do not have a Favor Account, I do not have a XXXX account. There is not a way to make Cash Advances if you never request a pin. Never Received a Pin. XXXX was notified in XX/XX/2019, and XXXX says they sent out an affidavit In XXXX, and says they closed the account, They didn't close the card down and didn't take the fraud seriously, and continued to let the cards be used fraudulently, After being reported, XXXX never once called me to further assist with the issue, and never sent an affidavit I had to call several times in a row different months to finally get the affidavit sent and they still didn't send one. The response from XXXX is " During our investigation on behalf XXXX, we confirmed validity of the charges through the merchants that includes supportive evidence the transactions were authorized by Mr. XXXX. He declined to answer further questions about the charges and declined our request for a police report, a standard request for allegations of fraud. The case is considered pending further investigation by our client, XXXX XXXX XXXX, to determine next steps. '' Which again is accusations, because I never refused to answer further questions, I answered all the questions their supervisor asked me. His name is XXXX XXXX, and the calls are recorded please do go back and listen. Furthermore I have not received any documentation on this case. The merchants already agreed to refund the fraudulent charges, as I have been reaching out to the merchants myself. The FTC Affidavit that I have attached to the previous complaint and this complaint, Clearly are signed under penalty of perjury. This is a Legal Binding Identity Theft Affidavit, as Stated. No documentation has been provided from XXXX XXXX, They refuse to talk to me when I call, and won't provide any Details. The charges are not valid, that's why I got XXXX to give me Credit Reference ID 's for the Fraudulent charges they refunded. Again, XXXX has not researched this issue, and I do not find this resolved. The FTC Document doesn't have to be notarized it is a Legal Document Signed. This goes to the local police department as well. Again alot of accusations. Secondly the email address XXXX, Was found on the darkweb from XXXX stating the email is being sold by identity thieves, This is what the accounts were used to register with that was hacked, after my wallet was stolen. XXXX needs to actually conduct an investigation instead of providing false information. Nothing has been investigated and this is not resolved. I do not owe fraudulent charges.
12/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11234	Web
XX/XX/2022 To Whom It May Concern : Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX may have given to XXXX XXXXXXXX and XXXX XXXX XXXX to provide my personal information to XXXX, XXXX XXXX, XXXXXXXX ChexSystems, XXXX XXXX, XXXX. Per 15 USC 6802-6805. EFFECTIVE IMMEDIATELY AND INDEFINITELY. To Whom It May Concern : Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX XXXX have given to XXXX XXXX XXXX to provide my personal information to XXXX, XXXX XXXX, XXXX, ChexSystems, XXXX XXXX, XXXX. Per 15 USC 6802-6805. EFFECTIVE IMMEDIATELY AND INDEFINITELY. XX/XX/2022 To Whom It May Concern : Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX XXXX have given to XXXX XXXX to provide my personal information to XXXX, XXXX XXXX, XXXX, ChexSystems, XXXX XXXX, XXXX. Per 15 USC 6802-6805. EFFECTIVE IMMEDIATELY AND INDEFINITELY. XX/XX/2022 To Whom It May Concern : Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX XXXX have given to XXXX XXXX to provide my personal information to XXXX, XXXX XXXX, XXXX, ChexSystems, XXXX XXXX, XXXX. Per 15 USC 6802-6805. EFFECTIVE IMMEDIATELY AND INDEFINITELY. XX/XX/2022 To Whom It May Concern : Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX XXXX have given to XXXXXXXX XXXX XXXXXXXX to provide my personal information to XXXX, XXXX XXXX, XXXX, ChexSystems, XXXX XXXX, XXXX. Per 15 USC 6802-6805. EFFECTIVE IMMEDIATELY AND INDEFINITELY. XX/XX/2022 To Whom It May Concern : Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX XXXX have given to XXXX XXXX to provide my personal information to XXXX, XXXX XXXX, XXXX, ChexSystems, XXXX XXXX, XXXX. Per 15 USC 6802-6805. EFFECTIVE IMMEDIATELY AND INDEFINITELY. XX/XX/2022 To Whom It May Concern : Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX XXXX have given to XXXXXXXX XXXX XXXX to provide my personal information to XXXX, XXXX XXXX, XXXX, ChexSystems, XXXX XXXX, XXXX. Per 15 USC 6802-6805. EFFECTIVE IMMEDIATELY AND INDEFINITELY. XX/XX/2022 To Whom It May Concern : Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX XXXX have given to XXXX XXXX XXXXXXXX Credit to provide my personal information to XXXX, XXXX XXXX XXXX XXXX, ChexSystems, XXXX XXXX, XXXX. Per 15 USC 6802-6805. EFFECTIVE IMMEDIATELY AND INDEFINITELY. XX/XX/2022 To Whom It May Concern : Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX XXXX have given to XXXX XXXX XXXX to provide my personal information to XXXX, XXXX XXXX, XXXX, ChexSystems, XXXX XXXX, XXXX. Per 15 USC 6802-6805. EFFECTIVE IMMEDIATELY AND INDEFINITELY.
07/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	CA 93727	Web
I show a " Reported Information '' issue from " XXXX XXXX XXXX Missouri '' on my " CHEXSYSTEMS CONSUMER REPORT ''. However, I have some MAJOR issues with this reported information from XXXX XXXX XXXX and also ChexSystems as # 1 It states I have a license number ( which I have NEVER been issued ) and # 2 shows a license state of " CO '', which is a state I have NEVER stepped foot within, throughout my entire life. So unsure if this is fraudulent possibly or someone attempting to use my info to do some ill mannered action, as there are also some fraud issues with " Inquiries Initiated By Consumer Actions '' ( which I will address in a separate dispute ) Lastly I did have an account at one time with XXXX XXXX XXXX several years ago, BUT CLOSED ACCOUNTS A WHILE BEFORE THEIR " Charge status date ''. Also, when I closed my account ( s ) it was 100 % done so with a {$0.00} amount in any and ALL accounts, and furthermore it had no pending transactions of any sort as well, so nothing could have brought up this issue and the unbeknownst to me oddly reported " {$430.00} '' charge off amount. There was an incident ( unrelated to the best of my knowledge ) which occurred a few months before I closed my account, in which the following factually took place : Myself and my Father XXXX XXXX ( XXXX ) XXXX ( phone ) XXXX XXXX XXXX XXXX XXXX, CA XXXX ( address ) went into the XXXX location located at : XXXXXXXX XXXX XXXX XXXX, CA XXXX to bring in a check which was mailed to me, and showed this as their home bank on the check itself. The check we wanted to make sure was legitimate, as it was from a potential buyer here locally interested in purchasing an item we had advertised online. Therefore we went into this branch location and made known that we wanted to absolutely ensure this check and the person writing it out to me, did so with their own valid account ; which was open, had the funds available, and also was all legitimate. The check itself was for approximately just over {$900.00} dollars. WE DID NOT DEPOSIT IT, NOR ATTEMPT TO CASH IT, ETC ... The bank teller went and got her bank manager per our request and they looked into it. Unfortunately the check mailed and given to me was in fact from an inaccurate and flagged account, and so they thanked us for bringing it in and allowing them to look into this probably fraudulent matter from the online individual which tried to give me the check as payment for my advertised item. The bank manager then asked for my contact info if needed and I gave it to her, she then wrote void on back of that check and then myself and father walked out of their bank. My father whom is retired and has decades of long time outstanding credit, with a credit score of over XXXX for over 20 years can and will attest under oath even to this entire account, which is the ONLY POSSIBLE even slightly remote and unusual banking transaction I have EVER interacted or engaged within, while at or including a XXXX XXXX XXXX. Even then nothing like this would have ended up producing this purported " charge off amount of {$430.00} ''. I would like and please demand that this unknown, and oblivious to me the consumer ( as it was NOT from my doing ) amount immediately be rectified, as again this transaction cites fraudulent and WRONG/INCORRECT DL # and STATE INFO, ( attached is my REAL license which has always been the same for the last at least 10 years ) CITES INACCURATE INFORMATION EVEN FURTHER WITH ALLEGATIONS OF A CHARGE OFF AMOUNT WHEN ACCOUNT WAS CLOSED IN GOOD STANDINGS WITH A XXXX BALANCE IN ALL ACCOUNTS, AND THIS HAS BEEN CAUSING ME MANY ISSUES OPENING OR INQUIRING ABOUT ANY NEW ACCOUNTS ANYWHERE!! Thanks
10/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	KS 66049	Web
Well I keep disputing fraudulent or incorrect activities via XXXX, XXXX, XXXX, XXXX XXXX and XXXX or XXXX, telling them they keep verifying inaccurate information which I can provide evidence to a judge but I'm not obligated to provide evidence of nonexistent actions to credit agencies I don't want contact with. So I applied for something and was denied by XXXX XXXX, who sent me a letter naming early warning systems as the reporting agency they believe. Over me. So I investigate XXXX and attempt to pull my consumer report from their website but they don't allow any online or alternative way of communication with them. So I look into other companies similar to that and come across chexsystems. I pulled chexsystems consumer report and chexsystems sends me a report with no credit accounts or student loans like the credit bureaus insist upon showing to anyone who asks, despite repeated disputes. However, they do have addresses in a state I've never been to, hard inquiries that were all made while I was incarcerated and a birthday that's not mine along with the last 4 digits of a ssn to protect my privacy along with the statement that that SSN became available to use in Kansas in the year AFTER the year of the birthday on file. They inform me they are REinvestigating because it appears that my identifying information is together with that of another individual, and they need ME to provide identification to them, in the form of a state photo id and the SSA. Then they say I can dispute any incorrect information THEY may have, or I can engage them to initiate a dispute to the carefully unnamed source that provides them their information. So I get on their website to dispute inaccurate information and it's impossible to do with acceptance of their forced recognition of MY CONSENT to their activities. Well, I never consented in the first place and I'm not going to start now. Nor will I provide my private identifying information, since they're obviously not able to verify their file as correct and mine in the first place. What I see is a fraudulent credit reporting agency defaming my character and making sure I'm financially blacklisted from the entire financial industry who has conspired to cause me harm but is technically in breach of THEIR fiduciary responsibility to THEIR clients, who is NOT ME but other CRAs who have been verifying false information and disclosing it maliciously despite my repeated disputes. Then, a few weeks ago, I tried to open a credit sesame account but they DENIED my registration and showed that there's an account already associated with my information. So I've now emailed THEM three times informing them they need to handle that and they don't care. But that's the only evidence I provided to FTC or whichever federal agency that is in charge of oversight of fraud. There's a fraud alert on my account but I thought it was due to an individual identity thief and I'm officially claiming the CRAs and data brokerage firms are the cause of the fraudulent misrepresentation of my alleged information. I've suffered greatly because of this I'm not calling student loan agencies I've never heard of, I'm not providing accurate information after learning how unethical they are, and I just found out today that my " information '' was included in the security breach of XXXX from XX/XX/2017 and I feel like if they knew that, why did I have to stumble upon that information several years after? If XX/XX/XXXX accepts my claim against that breach, why are they ignoring my disputes for fraud? And why are they more credible than i? I'm not known as dishonest or malicious OR incompetent!
10/20/2015	Yes	Credit reporting	Incorrect information on credit report Account status	IL XXXXX	Web
On XXXX/XXXX/15, a XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX branch maliciously manually adjusted a cleared check out of my bank account and disabled overdraft protection and further deposits to the account when doing so. Her purpose in doing so continues to be conducting enormous damage infliction and stalking with " the dispute '' that never has the same false claim twice so far. It has also never had the mandatory single letter with one story on the part of the bank, notice of the right to dispute, copies of what evidence the bank claims it has, and a specific statement of what the bank claims it is owed as well as how and to what address payment could be remitted. I will have to sue XXXX XXXX to force them to provide an end to this " dispute '' used to terrorize my weekends, holidays, evenings, and upto 3x a day with more persons sent in swinging at me as all they do. By phone, email, US mail, etc etc. and third persons. They do not accept information. Originally the real piece of work in XXXX who contacted me about this when I phoned customer service with all I could have known on XXXX/XXXX/15 which is their ATM not only refused my check deposit again as it had for months that their customer service claimed was an upgrade requiring a XXXX after my name because of the XXXX, but it took my card, claimed the XXXX after my name inked in on a check as demanded by their customer service was " why '' as " suspected bank irregularities '' and did not know what a XXXX was. Eventually they decided to change the story to falsely claim to be " testifying '' for my customer and their bank, and again refusing to produce even 1 copy of any actual anything they claimed took place that all requires documentation from the originating bank for the check deposited that the Clearinghouse returns in 3-5 days, not 3 weeks as XXXX XXXX claims, and that the check was " bounced twice '' and " really deposited at another bank '' they can not seem to name or provide even a date for given its fraud. I have today been sent a " refund '' check off that account which if I deposit it in my bank account will give them the bank account number, at a time they are still waging war externally and so then just fishing for the account number with the attached check. That also requires they withdraw every false claim about me or that account or that check. Instead, they play both sides at the same time depending on what damage they want done. ChexSystems was reported to before I had any information from the bank. They have returned an " investigation '' which ignores all the attached documentation against XXXX XXXX at a time I was also sent a refund from the account, and consists of claiming anything XXXX XXXX says without any lawful right to dispute fraud for the public. Who is being aped and taunted by XXXX XXXX about being able to be this blatant with the fraud because there is nothing bank customers can do if the bank defrauds customers. Which any XXXX entity like Chex Systems will sign off on and refuse to even take the dispute to the bank. As what this has been like since XXXX/XXXX/15. All they have to do is return this fake claim and that is the end of any dispute with XXXX XXXX that ignores all the attached documentation that clearly illustrates this entire charade is fraud and the harassment this excessive also indicates its fraud conducted as illegally as possible to make the same point to the public about XXXX Bank. Which keeps falsely claiming to be testifying for my customer and its bank for manipulative NLP purposes. At no time have they actually ever attempted to collect funds they rage about either.
06/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	IL 60505	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : Chex Systems Account # XXXX I Disputed the " WAY '' that Chex Systems Reported my " DESCRIPTION OF ACTIVITY '' Chex Systems Have Reported : XXXX XXXX : NSF ACTIVITY [ when I Never Ordered Checks ] This Should have Been Reported as " Overdraft/Bank Fees '' from XXXX XXXX Auto Debit Membership Dues, What is upsetting, when funds are NOT yet Avail, the Bank should ONLY Allow them to Attempt TWICE and NOT Multiple of times, [ stacking up their Bank Fees Against you ] when you have 'Other ' monthly responsibilities, it completely takes you OUT OF BUDGET. XXXX LET XXXX XXXX RETURN 4 TIMES, THAT 'S UNFAIR. Then they Stated " NSF '' When They where the ones that witness that funds was Not yet Avail. NSF was Inaccurate, Because this was Over draft Protection fees that was Late, and Gotten Other Bank Fees Stacked on TOP. They Are Making it LOOK Like I written Fraudulent Checks and I NEVER Ordered Checks from them I ONLY Use my Debit Card. [ this was the ONLY Negative Activity Ever Reported. XXXX XXXX XXXX : ABUSE [ when I Never Ordered Checks ] This Should have Been Reported as " Overdraft/Bank Fees '' Stating NSF was Inaccurate, Because this was through a Credit Card Payment that was Late with Over draft Protection that was Late, and Gotten Other Bank Fees Stacked on TOP. They Are Making it LOOK Like I written Fraudulent Checks and I NEVER Ordered Checks from them I ONLY Use my Debit Card. This was the ONLY Negative Activity Ever Reported by them. XXXX XXXX XXXX NSF ACTIVITY [ when I Never Ordered Checks ] This Should have Been Reported as " Overdraft/Bank Fees '' Stating NSF was Inaccurate, Because the was a Over draft Protection that was Late, and Gotten Other Bank Fees Stacked on TOP. They Are Making it LOOK Like I written Fraudulent Checks and I NEVER Ordered Checks from them I ONLY Use my Debit Card. XXXX XXXX NSF ACTIVITY [ when I Never Ordered Checks ] This Should have Been Reported as " Overdraft/Bank Fees '' From Unauthorized XXXX XXXX XXXX Auto Debits coming in Multiple of Times, When I DO NOT Have the Funds Avail, the Bank Should NOT Allow them to Return Over TWO Times trying to Collect the Funds, I Gotten Up Set and Pulled OUT the Bank, For Allowing them to Return Multiple of times when they can SEE there was NOT funds Avail Yet, but they CONTINUE to Raise their Bill Against You, and Call it NSF when YOU did NOT Authorize it. Chex System 's Reporting of " NSF '' was InAccurate, Because the was a Over draft Protection that was Late, and Gotten Other Bank Fees Stacked on TOP. They Are Making it LOOK Like I written Fraudulent Checks and I NEVER Ordered Checks from them I ONLY Use my Debit Card. This was the ONLY Negative Activity Ever Reported by them. XXXX XXXX THEY REPORTED OVERDRAFT FEES AND I PAID IT.- THAT IS TRUE. The Problem that I am Seeing Here with these Banks, is they are Making MONEY on you NOT as a Customer, But as a Future DEBTOR, Meaning, Even Though you are NOT Physically Writing Checks, they are Crediting a Negative interest to " DRAW FUNDS FROM THEIR 'FUTURE DEBTORS ' and Use the Extra Interest for their Accounts Receivables ... .or you will NEVER Open Another Account. '' So I Am Asking you to Please Make Changes here, if they Do NOT have a Physical Check that was Written with Copies FRONT and BACK than they Should Report it as Over Draft/Bank Fees, and NOT Destroy your Image as a Check Writing Schemer. I Simply would LEAVE these banks if I See this Type of Behavior, but I NEVER Thought that they would BE Deceptive, and Present it as NSF CHECK WRITING FRAUD. Please Assist.
07/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30223	Web
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
02/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77494	Web
To whom this may concern, I would like report the unwarranted closure of my personal checking and savings accounts at XXXX XXXX XXXXXXXX and the false and negative report that has been written on my name that is impacting me more than a year since the account had been closed. On XX/XX/XXXX, a mail was dispatched to me from XXXX XXXX XXXXXXXX stating that my Personal Checking/Savings account ending in XXXX will be restricted from use in 21 days, and permanently closed 30 days from the date of this notice I was initially shocked and in denial, as I had owned the account since XXXX, since I was a teenager. A few days later, I and my mother who had received the exact same mail, went to the bank to confirm if the mail was not an attempt from a fraudster to gather information for us. The Bank confirmed the mail was indeed sent by them and that we needed to arrange for methods to extract our funds from the accounts. We asked for an explanation of why the accounts where being closed, why we were receiving such a mail after being customers for XXXX years. The bank offered no explanation, stating instead that they could not explain why the accounts were being closed. With the response, my mother and I decided to move on from the situation and begin extracting our funds from our several accounts with the bank. On XX/XX/XXXX, I attempted to open a new bank account with XXXX XXXX at a XXXX XXXX location nearby my address. This was a favored option for me because, I already had an auto loan with the Bank. In the process of opening the bank account with the client manager, I was told that my request was denied and they couldnt provide to me what the reasons were, however, a mail would be sent to me on what the details were. Later that day, I decided to get a consumer report on myself to better understand why I would be refused an account as I have great credit score, I own a home and have a high income job. I retrieved a report from XXXX which in the report stated my account from XXXX XXXX XXXXXXXX had been closed for Suspected Fraud Activity. I was shocked because I have never committed ANY fraudulent activity, ever! In addition to that, my account which I had owned for XXXX years was closed on a claim that was not even communicated to me or I was not involved in the validation if the claim had any basis. I quickly called the same day, the XXXX XXXX XXXXXXXX number listed on the report, to make a complaint on why this was on my report. I was later informed that my account had been flagged for suspected fraud after a transaction, which I am not very privy too was made invalid. I explained that the account had a history of making many large transactions as I have consistently done so for a number of years with no issue. In addition, I asked why I was not communicated to or an investigation conducted to determine if any fraud actually occurred. I reiterated that I should have been communicated to on what the issue was, to have an opportunity to rectify it, especially considering this was an account that had been operating for XXXX years, not just a new account without any history. The operator on the phone did not have any response to my questions. I demanded for action to have the report erased from my record, but I was only forwarded to several other departments requiring me to constantly repeat my case. At the very end, I was referred to one last department who stated to me that there was nothing in their capacity they could do to rectify the issue. They only solution they provided was to write a complaint to a XXXX XXXX XXXX po box .
09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29501	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Check Systems Address Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Sir/Madam, I am writing to formally request assistance regarding a critical matter that has significantly affected my financial well-being. I have recently become a victim of multiple identity theft incidents, which have had severe consequences on my financial stability and creditworthiness. I believe it is essential to address this matter promptly to rectify any erroneous or fraudulent information associated with my identity. I am providing this letter to both the Consumer Financial Protection Bureau, the concerned credit reporting agencies, Check Systems, and XXXX XXXX XXXX to ensure a comprehensive resolution of this issue. The fraudulent activities and identity theft incidents that I have been subjected to have caused damage to my credit reports and financial standing. These incidents have resulted in negative accounts, inaccuracies, and potential threats to my creditworthiness. The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in credit reports. I am committed to taking a stand in good faith and working towards a fresh start to ensure that my credit reports accurately reflect my true financial history, in accordance with the FCRA. In light of these circumstances, I would like to request the following actions : Remove all negative accounts and erroneous information from my credit reports, including but not limited to late payments, missed payments, and any accounts that do not match my accurate identity information. Correct any inaccuracies in my credit reports, such as checking overdraft activity and banking negative information, which do not belong to me. Ensure that my credit score reflects a fair and accurate representation of my credit history. I anticipate that my credit score should be at least XXXX, considering my responsible financial behavior and the fraudulent activities that have occurred. Respect my right to privacy and non-disclosure of my information to unauthorized entities, especially considering the identity theft incidents I have experienced. I kindly request that you investigate these matters thoroughly and take the necessary steps to rectify the inaccuracies and fraudulent entries on my credit reports, including Check Systems and XXXX XXXX XXXX. I am also enclosing a payment of {$1.00}, which I believe represents the full value of any debts I may owe but take no responsibility for due to identity theft. Please consider this as a token of my good faith in resolving these issues. I must emphasize that I did not cause these issues, as my personal information was compromised during the XXXX breach, and I have evidence of unauthorized access from individuals in XXXX. It is my right to decide to whom my information is disclosed, and I have not authorized any reporting of negative information on my behalf. I trust that you will act promptly and efficiently in addressing this matter in accordance with the FCRA. I will be requesting a new credit report in 30 days and expect it to reflect the changes outlined in this letter. Failure to do so may lead me to take legal action to protect my rights and financial interests. Thank you for your attention to this urgent matter. I look forward to a swift resolution. Sincerely, XXXX XXXX
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90221	Web
Subject : Dispute Regarding XXXX XXXX XXXX Account in Chex Systems Account error in Chex Systems Consumer Relations, I am writing to dispute the inaccurate and misleading information listed on my Chex Systems report regarding my XXXX XXXX XXXXXXXX account. Upon reviewing my consumer report, I discovered discrepancies that require immediate attention and correction. Account Information : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/2021 Current Status : XX/XX/2021 Disputed Information : Address Inaccurate Explanation of Dispute : XXXX. Inaccurate Reporting : My Chex Systems report incorrectly states that my XXXX XXXX XXXX account is closed. However, I have confirmed with XXXX XXXX XXXX that the account is still active and in good standing. I regularly use this account for my personal banking needs without any issues. There has been an error in reporting, leading to false and detrimental information associated with my account. XXXX. Timely Payment History : Contrary to my Chex Systems report, I have diligently maintained a positive payment history with XXXX XXXX XXXXXXXX. I have never had any overdrafts, returned checks, or any negative incidents that would warrant such derogatory information on my consumer report. This inaccurate reporting undermines my creditworthiness and financial reputation, potentially affecting my ability to secure future banking services. XXXX. Lack of Communication : I have not received any correspondence from Chex Systems regarding the inclusion of this misleading information on my consumer report. As a consumer, I am entitled to receive timely and accurate notifications regarding any negative reporting or changes made to my financial records. The lack of communication has further exacerbated the negative consequences I have experienced as a result of the inaccuracies on my Chex Systems report. Resolution Requested : I kindly request that you take immediate action to rectify the errors on my Chex Systems report. I request the following actions be taken : 1. Verification and Correction : Please verify the accuracy of the information related to my XXXX XXXX XXXX account and promptly correct any inaccuracies on my Chex Systems report. It is crucial that my report accurately reflects my account status, payment history, and overall financial responsibility. XXXX. Communication : Ensure that I am promptly notified of any changes made to my Chex Systems report. I should receive regular updates regarding the status of my dispute, including the steps taken to investigate and resolve the issue. XXXX. Removal of Negative Remarks : I request the immediate removal of any derogatory information or negative remarks associated with my XXXX XXXX XXXXXXXX account from my Chex Systems report. These inaccuracies have caused unwarranted harm to my reputation and financial standing, and their removal is necessary for fair and accurate reporting. Enclosed with this letter, please find copies of relevant documents supporting my dispute, including bank statements and correspondence with XXXX XXXX XXXX confirming the active status of my account. I trust that you will conduct a thorough investigation into this matter and provide a swift resolution. I appreciate your prompt attention to this dispute and look forward to receiving written confirmation of the actions taken to address this issue within the legally mandated time frame of 30 days. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX XXXX
10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY XXXXX	Web
On XX/XX/2023 I had to file a police report for cyber hack and identity theft with the following XXXX XXXX and XXXX XXXX of XXXX and XXXX XXXX XXXX and XXXX XXXX the police officer at the time only written in the report what I had access to which at the time was a credit report from XXXX so she took my report her name is XXXX XXXX who works with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, NY XXXX so on the report it shows XXXX XXXX with part of the account number and Balance owed and date it was reported. The second account that was written in the report was XXXX XXXX of XXXX XXXX with the balance owed and date the account was reported to the credit bureau. When it comes to family first of XXXX XXXX located at XXXX XXXX XXXX XXXX NY XXXX I had called on the phone and spoke to a fraud investigator her name is XXXX I had called her on the phone on XX/XX/2023 and had a diolog with everything that me and my family have been through with the cyber hack and identity theft and this account was also hacked and told her I am not responsible for the entire balance now I did explain to her I did open this account and yes I did make a transaction but not responsible for the rest due to the fact it's fraud she was also very rude and kept on asking the same question over and over again telling me she used to work for the fbi and that I am past the statue of limitations I told her this isn't my first time this has happen because it happen to me when i banked with XXXX XXXX XXXX and XXXX and explained that statue of limitations is wrong because why would that bank help me with a claim and not then I asked her I need copies of every bank statement and she told me why what for she then said that I did all the transactions with out hearing me out fully she was rude and not being fair with me and said I would have to drive to the XXXX XXXX branch to get my statements after I have a interview with her she was speaking to me like a XXXX XXXX and was wanting to interrogate me I didn't appreciate her attitude on the first call so after her telling me I would need to be seen in her office in person before any statements can be handed over and have a talk with her on Monday well I called her back and she went over some transactions with me and starts putting words in my mouth that I did every single transaction all because she looked and checked and said that all the transactions were done in the area where I live I told her that doesn't mean I did the transactions and asked her if there was any possibility of me going to the XXXX XXXX where I originally opened my account to get copies of statements she asked why do u want them when I just went through every transaction with you and no u can't you have to come to me I am the only person with your account I told her it was an inconvenience to me to drive XXXX XXXX from my house when I have a XXXX XXXX and am in palliative care she did not care and I asked her can u mail the copies of every statement to my house she then says my address is listed as a bad address that's a lie cause I get all my mail packages medications with no problems so on XX/XX/2023 XXXX calls again and is wanting me to call her but I don't feel comfortable calling her because of the way I was treated during my call with XXXX on the XXXX of XXXX I forgot to mention that she had told me that my account was in the hands of an attorney but when I asked her for the attorney name and address and phone number she never would tell me
01/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92376	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 RE : XXXX To whom it may concern, I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. Secondly according to the 15 USC 1681.The law clearly states. 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. XXXX. Account XXXX : XXXX XXXX XXXX loan XXXX. Account XXXX : XXXX The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. I DID NOT GIVE ANY WRITTEN INSTRUCTIONS TO HAVE ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 15USC 1681 ( a ) ( 4 ) A consumer has the right to Privacy- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. You Are in Federal Violation on my rights, as a federally protected consumer who have the right to privacy. In addition, I demand to have a copy of my updated consumer report once the following changes have been made. Sincerely, XXXX XXXX XXXX Email : XXXX XXXX
03/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30005	Web	Servicemember
I was notified that I was part of the XXXX data breach via a letter on XX/XX/XXXX. I was also notified my information was appearing on the dark web. I signed up for credit monitoring tools. On XX/XX/XXXX I was notified by my credit reporting tools that my credit report was released to XXXX XXXX by XXXX XXXX XXXX XXXX without my consent or application. I immediately called same day and reported that as fraud. Both organizations blamed the other for approximately one month from XX/XX/XXXX as I continued to call back and attempt to get the inquiry removed from my credit report. The following month I received a letter from XXXX per a request to open a checking account which I did not request or apply. I notified XXXX who immediately took action and helped me file a 7 year fraud alert on my credit report with XXXX who also did same with the other to credit reporting agencies. HOWEVER, XXXX sent me a link to do same with Chexsystems since this was a request for checking account in my name. I followed exactly the steps Chexsystems recommends which included filing an FTC report, coming to this website for CFPB, and requesting a copy of my consumer disclosure report from Chexsystems on XX/XX/XXXX. The letter I received yesterday, XX/XX/XXXX, from Chexystems in response to my XX/XX/XXXX request for extended fraud alert stated that the report I filed does not clearly support identity theft or fraud relative to information in the consumer file at chexsystems for the reason that the documentation I provided is not signed by a law enforcement officer. I sent them documentation of two supposed applications in my name, the FTC report and documentation from XXXX and proof of the data breach which was also documented in my FTC report. I followed every guildeline chexsystem listed on their website and verbal automated instructions!!! and proof that I was part of a data breach. But they don't want to give my file protection because I didn't get a signed police report even though that is not part of their own required guidelines? So I just lost another month without protection and received another letter of an application being made for a checking account with XXXX XXXX XXXX in my name in the meantime! I am going to go to the police department today. But their automated system does not tell me how to provide the addtional information or a live person. I would like to file a complaint against chexsystems for not locking down my reports when notified and also a complaint for not providing me a copy of the report as they were required to do within five business days per request submitted successfully with reference ID for this request of XXXX which stated the report would be mailed within 5 business days. Additionally, I would like to file a complaint that I am unable to get this resolved with Chexsystems directly as none of the numbers on their letter actually go to any live agent or persons and the recorded messages all say to take all the steps I already took. So there is no way for me to get my consumer report that I am entitled to receive or to submit additional information that their letter said was required ( even though it isn't listed as required in the automated recordings ). Lastly, I would like to file a complaint against XXXX XXXX XXXX XXXX XXXX for never having resolved my dispute directly. Finally, I would like to commend XXXX for a job well done on their part and for assisting consumers on how to get their credit secured to the best of their ability!
01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30324	Web
There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B. The identified transactions are not information related to any transaction by me as the consumer ( see attached )
08/13/2019	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	OR 97504	Web	Servicemember
I wanted to switch banks at the beginning of XX/XX/XXXX, I requested an account at XXXX XXXX XXXX of XXXX, Oregon, they took my application but declined to open an account because they said XXXX declined me. They cited credit score as a reason. I showed them my credit score using my telephone ( I have credit monitoring with my XXXX XXXX credit card ) the XXXX XXXX score was XXXX. I had been with XXXX XXXX XXXX XXXX from XXXX till XXXX when I switched to XXXX XXXX where I have banked since then, I left a clean closed account, and I have had a spotless record with XXXX XXXX as well. There is absolutely no reason to turn me down for a checking account. My bills are all paid, I have never even had a late payment, I can count on less than one hand the NSF fees I have had in the last 10 years. I then went to check with my former banking institution ( XXXX ) to see if they had been reporting some kind of problem I did not know about, they were not, and they also attempted to open an account for me, again XXXX declined, but the agent helping me said they saw no reason I should be turned down, there was nothing that would constitute a reason in my record for a decline. She overrode XXXX XXXX decline and opened an account for me. I still wanted to get to the bottom of why I was being denied banking services so I demanded a copy of my XXXX record and while they have my address listed essentially correctly they say I have been there only 2 months and they have the address listed 6 times with only very minor variations, such as the ZIP+4 then again the ZIP without the +4, once it says XXXX XXXX and the next line it says XXXX XXXX, all of them would not result in mail being returned. They also have my prior address right once and wrong once, on one line they leave off the apartment number. The street address otherwise is good. Other than that there is nothing notable about the report. They also have my name as XXXX XXXX ; XXXX XXXX XXXX ; and XXXX XXXX XXXX, all technically correct and no reason to decline to open an account. I can not help the way people report my information, but anyone can see the name matches the rest of the information. Information from XXXX XXXX XXXX XXXXs section is wrong though ; Time in current address = 2 months, that is wrong, I have been here 6 months, number of address changes reported in the last 12 months = 2, that also is wrong, I moved once from XXXX XXXX to Oregon. those are the only things that could possibly factor into this, wealth index 3 completely average, total number of NON DEROGATORY records 5. Part of the problem here is that they simply hide behind you and the law not to tell us why we are being turned down. I take home XXXX dollars of tax exempt pay per month from the US Treasury ( VA XXXX and social security XXXX ). I have no debt other than my auto loan, and one small credit card. I do not have and can not be billed for medical care as a XXXX XXXX XXXX vet, those expenses are covered in full. If ever there was the opposite of a bad risk for mishandling a checking account it is I. I want to know why they denied me banking, and to be far more diligent on monitoring the records of those declined for accounts, clearly this is some sort of automated computer risk assessment gone bad, the computers there saw one comma missing from a reported address and listed it as a new address. Apparently. Applications rejected should be required to be reviews by a human being.
10/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CT 066XX	Web	Servicemember
In a letter I received dates XX/XX/2021 was notified by ChexSystems, Inc that XXXX report with addresses of residence for name of CREDITOR, XXXX XXXX With INFORMATION THAT IS INACCURATE for alleged consumer CREDITOR XXXX XXXX, and as it not a confirmed address this is an extension of credit or goods by obligor, XXXX XXXX to rejection by Alleged obligor of the Loan due lack of validation of address of record AND IDENTITY OF CREDITOR forwarded to the current address of alleged customer, independent of previous security freeze and CHEXSYSTEMS alert of consumer and CREDITOR, XXXX XXXX address on residence XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; This prompted to my request for a security freeze and dispute as to the validity for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The phone call made by CREDITOR XXXX XXXX to address the apparent oversight in Billing or error, was ignored verbally and also by writing previously submitted an Affidavit to denial claim amended to cite that no bank shall make any loan or discount on the security of the shares of its own capital stock, citing 12 US code subchapter 83 ( a ) Also 12 USC 83 ; 12 USC 1431 in addition to ignoring my simultaneous filing of chapter XXXX Bankruptcy. Despite a discrepancy by ChexSystems in regards to inaccurate Residence for XXXX XXXX listed as XXXX XXXX XXXX, XXXX, CT XXXX there has not been any response to my claims, to prevent this willful violation and further harassment of this unverified debt that had been subsequently Added as a Charge-off on XXXX XXXX. Absence to recourse from my presentation of dispute and arguments that I presented against the negative remarks on my credit report or disclosure substantially confirms my presentment of facts that the company has not had engaged in any effort to provide correspondence as to the validity of these debts of money for goods or services that were not determined by the bank to actually delivered to the obligor, it should be removed from the account due to billing error and the noncompliance of XXXX XXXX to pursue collection of invalidated designee creating a forfeiture of rights as in 15 USC 1666 ( 1 ) ( e ) ; as determined If a CREDITOR, within sixty days after having transmitted to an obligor a statement of the obligor 's account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title from the obligor in which the obligor - ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicated the obligor 's belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligor 's belief ( to the extent applicable ) that the statement contains a billing error, the CREDITOR shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct- ( ii ) ... After complying with the provisions of this subsection with respect to an alleged billing error, a CREDITOR has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.
07/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11234	Web
Subject : Formal Complaint Against ChexSystems for Erroneously Reporting Debts Dear Sir/Madam, I am writing to file a formal complaint against ChexSystems for its inaccurate reporting of debts associated with banks on my credit profile. Specifically, ChexSystems has listed XXXX XXXX XXXX XXXX XXXX ) and claims that I owe an exorbitant amount of over {$86000.00} to this institution. Such a claim is not only improbable but also entirely baseless, as it is highly unlikely for an individual to accumulate such a substantial debt with a banking institution where I only hold a checking account and savings account. I am deeply concerned about the integrity and accuracy of ChexSystems ' reporting, especially considering the magnitude of the amount in question. I must emphasize that I do not possess any credit cards or engage in any activities that would warrant or facilitate incurring such a substantial debt. Furthermore, it is alarming that this information has been reported on my credit profile without any notification or prior knowledge on my part. It is a blatant lie and an egregious violation of my rights as a consumer. The repercussions of this erroneous information have been severe, as it has led to the closure of my bank accounts, most notably with XXXX XXXX. I have been informed by XXXX XXXX that my account was closed due to the debt allegedly owed to XXXX, as reported by ChexSystems. This situation has caused significant distress and hardship in both my personal and financial life. It has become exceedingly challenging to obtain a new bank account, given the presence of such damaging items on my credit profile. I strongly urge the Consumer Financial Protection Bureau to intervene in this matter and address the following concerns : 1. The erroneous reporting of an inflated debt amount with XXXX on my credit profile, which is both unfounded and without any basis in reality. 2. The lack of notification or communication to me regarding this alleged debt, raising serious questions about the transparency and compliance of ChexSystems ' reporting practices. 3. The adverse consequences I have endured, including the closure of my bank accounts, which have severely impacted my financial stability and daily life. I request the immediate removal of this erroneous information from my credit profile, restoring my account to a more accurate and favorable standing. Moreover, I firmly believe that I am entitled to compensation for the distress, hardships, and inconveniences caused by ChexSystems ' inaccurate reporting. The closure of my bank accounts and the subsequent difficulties in obtaining new accounts have resulted in significant turmoil and financial strain. I trust that the Consumer Financial Protection Bureau will diligently investigate this matter, ensuring that ChexSystems is held accountable for its erroneous reporting and the resulting damages inflicted upon consumers. By taking appropriate action, the Bureau can restore trust in the credit reporting system and protect consumers from the adverse consequences of such inaccuracies. Thank you for your prompt attention to this matter. I have enclosed supporting documentation, including communication with XXXX XXXX and any relevant correspondence with ChexSystems, to assist in your investigation. I look forward to a resolution that upholds consumer rights and rectifies the damages caused by ChexSystems ' inaccuracies. Sincerely, XXXX XXXX
07/20/2015	Yes	Credit reporting	Incorrect information on credit report Public record	MI 480XX	Web
XX/XX/XXXXChexSystemsXXXX XXXX XXXX. # XXXX, XXXX XXXX XXXX XXXX, XXXXRE : Consumer ID XXXX and XXXX XXXX report # unknownTo whom it may concern : I request assistance in this matter regarding the following items I dispute with Chexystems and any/all other credit reporting repositories utilizing misinformation to identify me. I have been harmed based on your misinformation to the banking institutions. Unfortunately, what has happened to me has been a 'domino effect ' resulting in not approving due to other banks not approving. However, in light of this please take note that I am disputing the following as inaccurate and request the same to be removed immediately in accordance to the FCRA : Kindly note that I had to file XXXX police reports due to Identity Fraud in the following police stations : a ) XXXX XXXX, XXXX, b ) XXXX XXXX, XXXX, c ) XXXX, XXXX, and d ) XXXX County Sheriff. The man who stole my identity, XXXX XXXX XXXX, is currently XXXX sentenced in Judge XXXX 's court room with case # XXXX. This is for mail fraud and check creation of identities not belonging to XXXX XXXX. Incorrect name association : XXXX XXXX XXXXIncorrect addresses :1. XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX ( Commercial office building ) 2. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Commercial office building ) 3. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Strip Mall ) XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX XXXX XXXX ' XXXX XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX ( Goin ' Postal ) Incorrect Lien InformationAs documented, there was an improper lien filed, it was subsequently discharged and then withdrawn. Please find the paperwork associated with this. Kindly delete the section that has to do with liens because the state of XXXX made a mistake. Finally, regarding evictions, I am in litigation against my former landlord aka XXXX XXXX XXXX. They failed to repair water damage stemming from XXXX water leaks/damages resulting in mold, illness to me, and credit which was at XXXX to having to file for bankruptcy due having to pay rent to them and the hotel/other costs in order to live. These 'property managers ' refused to even reimburse for rotting food caused by their inoperable refrigerators, for example. I have a complaint with the state of Michigan and XXXX XXXX is the investigator on the file. The main number is XXXX. However, there were never XXXX evictions at all. XXXX was filed on XX/XX/XXXX and currently being challenged in court. I request that the XXXX evictions become removed and the XXXX to be stated as 'in dispute ' due to the fact that it is being investigated by the state and current litigation. I also disagree with the # XXXX category of the Wealth Index. I believe that because I have no debt at all that I am much better off than your regular American who is saddled with debt and living paycheck to paycheck. Kindly remove these discrepancies immediately as these supposed 'findings ' have defamed my name. Again, as stated, I am unable to open and maintain a bank account, so the reason why I had to attempt to open up so many accounts is because of the closings. They were closed based on the other banks closing and the findings from ChexSystems and / or XXXX XXXX - information that is inaccurate. I appreciate your speedy resolve in this matter. I am contacting the Consumer Financial Protection Bureau because your companies have continued to disparage my name. XXXX XXXX
08/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33169	Web
To Whom It May Concern, I am writing to address a concerning issue regarding the closure of my XXXX XXXX XXXX checking account on XX/XX/XXXX due to suspected fraud activity. As a college student, I held multiple checking accounts and initially dismissed this closure, unaware of the potential implications. Having recently relocated to Florida, I had yet to realize the prevalence of fraudulent activities in the area. The situation escalated when my credit application was denied despite having a credit score of XXXX. The grounds for denial were linked to the recent closure of my checking and/or savings account by a bank. In response, I promptly reached out to XXXX XXXX XXXX to rectify the situation. I conveyed my lack of knowledge about the account closure and sought guidance on how to resolve the matter. The bank representative assured me that no closure was recorded on their end at the time and advised me to dispute the claim through ChexSystems. Following the representative 's guidance, I initiated a dispute with ChexSystems. After a month, ChexSystems informed me that they had contacted XXXX XXXX XXXX and were only able to remove the derogatory mark from my report with the bank 's approval. My attempts to communicate with XXXX XXXX XXXX yielded little progress, as no one could provide me with information about owed amounts or a pathway forward. In pursuit of a resolution, I visited my local XXXX XXXX XXXX branch on XX/XX/XXXX, hoping for more effective in-person assistance. However, it became evident that even within the branch, communication with the corporate offices remained necessary. Despite conversations with customer service representatives, I was informed that the issue would persist on my ChexSystems record for 5-7 years, an outcome I find unjust as I had not committed the action leading to the account closure. I persisted in my plea for fairness, yet left the branch that day without a satisfactory resolution. Undeterred, I returned to the branch on XX/XX/XXXX in an effort to secure written documentation from XXXX XXXX XXXX outlining the outstanding amount. On this occasion, I encountered the same branch staff member who, upon contacting the Recovery department, was informed that my account had not been closed by them. No derogatory reporting was visible on my file, prompting a suggestion to contact the RISK department. Upon review of my ChexSystems report, it was noted that the contact number led to XXXX XXXX XXXX 's RISK department. Contacting the RISK department, the representative could not locate any information pertaining to my case, advising me to consult the Recovery department. However, this recommendation was met with resistance, as the worker sought to escalate the matter to a supervisor in the RISK department. The supervisor deemed it premature to take action and conveyed that a resolution could not be achieved for the next 5-7 years. I find this outcome profoundly inequitable, as the circumstances leading to the account closure were beyond my control. I reported the fraudulent activity to XXXX XXXX XXXX and continue to face unwarranted consequences. As a young individual committed to responsible credit management and personal growth, I implore you to reconsider this decision, allowing me the opportunity to move forward positively, just as I had been doing before this incident. Sincerely, XXXX XXXX
02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43613	Web
I have requested my credit report to obtain additional information of items reporting on my credit that was unauthorized. I have requested a security freeze to keep from unidentified information from being furnished on my report. 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ). 15 U.S. Code 6802- Obligations with respect to disclosures of personal information, ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ). I was not notified of any of this information being reported on my consumer report. I did not give any written consent to have any information being illegally obtained from any third party vendor. A Financial Institution MAY NOT, directly or indirectly, disclose to a NON-AFFILIATED THIRD PARTY any NONPUBLIC PERSONAL INFORMATION unless such Financial Institution gives the following disclosures. I was not given the opportunity to decline the option of any information to not be obtained or reported on my consumer report ; those rights were violated. 15 U.S. CODE 6803- Disclosure of institution privacy policy ( a ) ( 1 ) ( 2 ) ( 3 ). 15 U.S. Code 1681b - Permissible purposes of consumer reports ; ( A ) ( 2 ). 15 U.S. Code 1681- Civil Liability for willful non compliance ( A ) ( 1 ) ( a ) ( b ) 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.. 18 USC 1028A- AGGRAVATED IDENTITY THEFT 18 USC 1028A- Aggravated Identity Theft a ) OFFENSES. ( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 2 ) TERRORISM OFFENSE. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
05/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33319	Web
Dear Collections and Consumer Relations Dept. : I was recently informed of negative information reported by the following list of banks listed below included in the file ChexSystems maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a Checking Account Fraud in XX/XX/XXXX. I am unaware of ever having all the following checking accounts listed below. Please validate this information with all the banks listed below and provide me with copies of any documentation associated with this Account bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 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, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Your Address Sincerely, XXXX XXXX XXXX XXXX XXXX ID : XXXX XXXX XXXX Bank Name : XXXX XXXX XXXX # : XXXX XXXX Number XXXX XXXX Account Number : XXXX Incident Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX {$490.00} XXXX XXXX XXXX {$490.00} XXXX XXXXXXXX XXXX Texas XXXX XXXX XXXX Account Fraud Bank Name : BRANCH BANKING XXXX XXXX XXXX XXXX XXXX : XXXX Account # : XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX {$520.00} XXXX XXXX {$460.00} XXXX XXXX {$5.00} XXXX XXXX {$25.00} XXXX XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX XXXX XXXX XXXX # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX XXXX XXXX XXXX # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXXXXXX XXXX Bank Routing XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXXXXXX XXXX XXXX Routing XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud
08/22/2016	Yes	Credit reporting	Credit reporting company's investigation Investigation took too long	CA 92262	Web
Certegy check services is a third party check cashing company whose client is a local casino. I cashed a check for {$52.00} ( including a sizable fee ) on XXXX/XXXX/2016 at XXXX XXXX. My bank notified me by text immediately that a charge was attempting to clear my account that appeared fraudulent. I called XXXX XXXX XXXX immediately and assured them that the charge was valid and to pay it. Within hours, the bank had paid the check by forced ACH and I was advised that the recipient may experience a delay of up to 72 hours before the funds were visible as " cleared '' in their account. Having had previous run ins with Certegy, I called them immediately and explained the situation which was already affecting my ability to cash checks at over XXXX retailers ( all still XXXX ). They would not allow me to file a report until 7 days had passed, but I insisted and ultimately was told my account would be noted. On the 7th day, I filed a complaint. I proceeded to call and file a complaint weekly to no avail. At the end of the first thirty day period, ( XXXX ) I called and filed a complaint that their response was not timely. At this point I had a bank officer call Certegy with me on XXXX way to verify any needed information. I also, faxed, emailed, and mailed copies of my bank statement showing the check was paid. Further, I confirmed its paid status with the actual merchant, XXXX who also called Certegy on my behalf. Certegy insists on placing the burden of evidence on the consumer, and has not once provided me evidence that the check did not clear, any evidence that the electronic check was even initiated by me ( no signatures or anything ), and refuses to connect me with their disputes department directly. Each time I contact them I have to call a call center and sit in a phone bank and restate the entire history. To date I have called and complained 17 times and it has now been nearly 90 days since the transaction, which Certegy 's own client agrees the item was paid. Meanwhile, I have been denied services by various retailers a total of 22 times as a direct result of this one incorrectly reported transaction. Certegy is ambivalent to my frustration and has provided zero avenue of relief. They incorrectly place the burden of proof on me the consumer, when clearly I have exhausted every reasonable method of proving the transaction was paid, including providing the serial number of the forced ACH, a federally generated number that proves the item paid. Certegy has not only violated the FCRA repeatedly by not conducting a timely investigation, failing to remove harmful information that has been proven without a doubt false, committed slander, and generally failed to provide any scintilla of evidence that the debt was not paid other than a report that has not been updated since XXXX/XXXX/2016. I pray for relief by correction of the record at hand, as well as any punitive damages that I may be entitled to for Certegy 's willful and wanton failure to acknowledge my complaints, failure to prove the negative information reported, and failure to act reasonably by any standard under the circumstances. Certegy 's actions have not only cost me significant hardships financially, but also embarrassment and undeserved frustration over and over again. Please assist me.
09/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	OH 44067	Web
I am writing to bring a matter of significant concern to your attention regarding an unjust derogatory remark on my consumer credit report, which has caused severe financial and personal distress. This matter stems from a traumatic incident involving XXXX. In XX/XX/2021, I became the unfortunate victim of a bank fraud while banking with XXXX. XXXX exploited vulnerabilities in my account, resulting in a substantial financial loss exceeding {$160000.00}. In an earnest attempt to recover my losses, I promptly reported the incident to various law enforcement agencies, including the local police, the FBI, the Ohio Attorney General 's office, and the Federal Trade Commission ( FTC ). Regrettably, despite my efforts and cooperation, none of the stolen funds were ever recovered, and XXXX decided to terminate our banking relationship. Following the incident, I encountered a new set of challenges. Many financial institutions have declined to open checking or savings accounts for me, thereby severely limiting my financial options and access to essential banking services. Upon conducting a thorough investigation into the root cause of this impediment, I discovered that XXXX had reported the incident to XXXX XXXX XXXX ( EWS ) and Chex Systems. EWS and Chex Systems subsequently placed a " fraudulent account '' remark on my consumer report. This unjust derogatory remark incorrectly portrays me as the perpetrator of fraud, rather than the victim I am. When I diligently reached out to XXXX XXXX XXXX to request the removal of this unjust mark, I was redirected to XXXX, as they were the source of this erroneous report. Last week, I made earnest efforts to resolve this matter with XXXX directly. However, my attempts were met with refusal, and they were unable to locate any records of my bank accounts in their system. It is important to emphasize that I have maintained an impeccable financial record throughout my life, reflected in my credit score of over XXXX. I have never been involved in any fraudulent activity. As a victim of financial fraud, I have not only endured significant financial loss but also face the unjust consequences of being unable to open new bank accounts, which adversely affects my daily life and financial stability. Given the gravity of this situation, I am seeking your assistance in facilitating the resolution of this matter with XXXX and the removal of the derogatory remark from my consumer reports at both XXXX XXXX XXXX and Chex Systems. I kindly implore the Consumer Financial Protection Bureau to investigate this case thoroughly, as it has far-reaching implications on my financial future and personal well-being. Your intervention is crucial in ensuring that justice is served, and my reputation as a responsible and honest consumer is restored. Please find enclosed relevant documents and records to support my complaint and substantiate the accuracy of my claims. Should you require any further information or clarification, please do not hesitate to contact me. I earnestly look forward to your prompt attention to this matter and the resolution that will help me regain my financial footing and personal integrity. Thank you for your dedication to safeguarding consumers ' rights and promoting fairness within the financial system.
03/02/2020	Yes	Checking or savings account Checking account	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IN 46902	Web
I submitted an online dispute to ChexSystems regarding the accuracy of information being reported on my consumer report. I have received several letters from this company verifying the information as accurate. This complaint serves as notice that comparing notes with the bank in question is NOT verification. Therefore, I am requesting the following information regarding the XXXX XXXX XXXX XXXX account, # XXXX : 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported. 2. What certified documents were reviewed to conclude your investigation? 3. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 4. What did it cost your company to obtain the documents needed to complete your investigation? 5. Please provide proof of your timely procurement of certified documents. 6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 7. If you reply yes to the above then : Who did you speak with? What was the date? How long was the conversation? What was their position? What number did you call? What is the name of your employee that spoke directly to the above party? What is the position of your employee that spoke to the above party? How long has that individual been employed by your company? What type of training was provided to this employee in order to investigate items of this kind? Were there any e-mails or written communications between employees of your company and the above party? 8. If so, please provide copies of all correspondence and copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account ( s ) in question. 9. Please provide the date of the commencement of delinquency. 10. Please provide the SPECIFIC date reporting of this item will cease. -- -- -- -- -- -- - Enclosed with your response to the above questions, I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. My initial dispute was detailed and directly related to the account ( s ) in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. Failure to comply with federal regulations established for credit reporting agencies is investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining careful record of my communications with you on this matter, including my CFPB complaint.
03/24/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	SC 29708	Web
Check systems responded again with lies. Unless the president of the United States proposes an amendment to the Constitution of the United States ChexSystems has to obey the law. The law does not give ChexSystems a right to apply any new language or interpret the law the way they want to because they want to be right. Unless ChexSystems is Congress check systems can not rewrite any laws. The language in the law does not give ChexSystems the right to demand a date or a new police report that fits the dates they feel exist. Congress simply said I have to claim identity theft and make a written report and that is good for any identity theft that happens to me regardless of any time frames. The reason Congress did not limit the time frame of a police report or identity theft report is because it 's good once for all identity theft that would happen to me period because I filed the police report in XX/XX/XXXX Congress allows for it to be good in XX/XX/XXXX and in XX/XX/XXXX. ChexSystems can not change that fact. They claim that their interpretation gives them the right to break the law. I 'm saying the Consumer Financial Protection Bureau needs to slap ChexSystems down and tell them to back off of that position because they are wrong. The law does not give ChexSystems the right to pick and choose what items I claim as identity theft they can or can not block it does not give ChexSystems the right to interpret the law and say well they really meant that the police report has to be within the time frame of the identity theft even though the law does not say that and ChexSystems does not have the power to do that because the law does n't give it to them. The law is very clear and there are no time frames that the identity theft has to fit into the police report time frames. I asked ChexSystems to show the section of the law that gives them the right to demand that. I asked check systems to provide the part of the law section 605b of the Fair Credit Reporting Act that gives them the right to interpret the law to mean that period check systems has refused to show where they feel they are allowed to say what they just did. They are breaking the law by saying that they are flouting it in the Consumer Financial Protection bureau 's face that they feel they can rewrite congress 's law and say even they do n't have a time frame in the law we can add one on our own. ChexSystems is not Congress and they are not the courts period check systems has to follow the law and that 's what I 'm asking them to do change their policy from breaking the law and not blocking items because they feel it fits and simply follow the law as it is written. Until ChexSystems provides this information they are breaking the law and I 'm going to keep filing these complaints until it gets backed up and it 's their fault for not replying to my claims that they are breaking the law and they do n't have the right or power to do that. They can not add language they can not demand anything of me except my filed identity theft report. They can not demand that it be refiled or that it 's old. Check systems does not have that right or power and they need to be told that directly because they are harming people me and particular at this point because they are arrogantly wrong.
09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 325XX	Web
My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the a ccepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. ALSO, My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of Information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48309	Web
How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Collection {$880.00} XXXX XXXX Collection {$100000.00} XXXX XXXX Charge-off {$4800.00} XXXX XXXX Charge-off {$240.00} XXXX XXXX XXXX Charge-off {$1.00} XXXX XXXX XXXX \| XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX \| XX/XX/XXXX XXXX Inquiry {$0.00} XXXX \| XX/XX/XXXX XXXX Inquiry {$0.00} Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	NJ 07105	Web
This statement is being made by me there is no third-party involved.I am a victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credit, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my Social Security number has been used unauthorized, and without consent and written or verbal permission. My Social Security number information was breached and alleged creditors have used my Social Security number and are in violation of the privacy act of 1974 etc. unless they can prove a written contract exist. Furthermore they are also in violation of the Graham Leach Blily Act 15 U.S. Codes section 6801and 6802. As I have given no written or verbal consent to disclose my private information to any third partiesCHEXSYSTEMS has received my FTC Identity theft report, FTC complaint and affidavit, and proof of identification via USPS certified mail # XXXX on XX/XX/XXXX signed for by CHEXSYSTEMS agent XXXX, there is no proof to the contrary. CHEXSYSTEMS is in direct violation of the FCRA section 605B 15 USC 1681c-2 Block of information resulting from identity theft as pursuant they must remove all fraudulent and inaccurate information from my consumer report no later than four ( 4 ) business days after the date of receipt.Since receiving my report via certified mail check system has failed to comply with the fair credit reporting act section 605B which clearly states FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. On XXXX XXXX I spoke with a supervisor at Check systems name XXXX employee ID numberXXXX who confirmed to me that they had received my documentation stating that I was a victim of identity theft and that check systems will not honor the FCRA and the guidelines set forth for identity theft, stating that I had to have a police report which is NOT required under the guidelines of the FCRA section 605b additionally I have contacted the federal trade commission on XX/XX/XXXX to make a follow up consumer report regarding this matter under FTC report number XXXX. This is my second complaint being filed with the CFPB regarding this matter. I have also filed a complaint with the New Jersey attorney general 's office and the XXXX XXXX XXXX regarding this matter.
05/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90035	Web
XXXX XXXX XXXX refused to properly investigate 3 unauthorized charges. They say I owe but my bank statement show I dont owe. They reported me to ChexSystems without my knowledge and indicated it as account abuse. I contacted ChexSystems and they supposedly investigated my dispute. ChexSystems never investigated my dispute with ChexSystems and didnt even want to tell me they were ruling in favor of the bank. ChexSystems representative change their story 3 times after I showed them the proof I dont owe. I walked them through the documents that they received from the bank especially my last bank statement. XXXX filed with ChexSystems on XX/XX/2020 stating I owe {$440.00}. My bank Statement from XX/XX/2020 - XX/XX/2020 shows a XXXX balance and that I dont owe anything. At first ChexSystems stated that i filed a dispute with ChexSystems not for the balance that was reported by the bank but for the 3 authorized charges with the bank. THE DISPUTE I FILED WITH CHEXSYSTEMS WAS FOR THE BALANCE THAT WAS REPORTED BY THE BANK. then they ChexSystems changed their story and stated I filed a identity theft complaint with ChexSystems when they were made aware of my bank statement and they told me that they were going to leave XXXX XXXX XXXX complaint on my credit file and that they dont need to remove it and that the bank is the only person that can remove it from my ChexSystems account and stated I needed to turn in a police report for the identity theft. I never filed a identity theft claim with the bank or ChexSystems. It was obvious that ChexSystems are working for the banks and do not investigate disputes honestly and fairly. They dont even investigate their own complaints. ChexSystems went by a written statement with no verifying proof for the statement when they have the proof on documentation right in front of them. ChexSystems are conducting unfair business practices. The disputes with XXXX XXXX XXXX I filed are for 3 unauthorized charges that occurred on XX/XX/2020. The merchant never provided any documentation that confirmed the transactions on the XXXX. None of the merchants documentation showed the transactions on the XXXX and part of the documentation showed an entirely different debit card and not mine. The bank ruled in favor of the merchant that provided paperwork for a different debit card account and not for what I disputed but the bank found in their favor stating I received services on the XXXX, I was not there to receive services on the XXXX and the merchant never provided documentation showing I was there on the XXXX. XXXX XXXX XXXX even extended the process time without providing any credit and investigated it as a charge but didnt follow the charge dispute process. The bank even closed the 3 disputes because it started to begin its XXXX month and without providing me any documentation from the merchant or allowing me to submit my proof. Also they never sent me any documentation notifying me that they completed the investigation before they closed the disputes. i Advised ChexSystems that the banks claim must be taken off my file because it is proven inaccurate and thats why they are now trying to say that I filed an identity theft claim with ChexSystems.
11/28/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	FL 33169	Web	Servicemember
Attn : ChexSystems and Consumer relations department Name : XXXX XXXX XXXX Social : XXXX Consumer ID : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, including chexsystems in XXXX which is falsely and wrongfully reporting account s that are not mine and accounts that have the kast frour of a social security number attached to it which is not mine either ( XXXX is bot mine ), which I will provide below. In accordance with the Fair Credit Reporting act. Chexsyatems inc reporting certain wrong personal information including phone numbers, addresses and the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ARE ALL INCORRECT AND DO NOT BELONG TO ME AND NEVER HAVE ) PHONE NUMBERS : XXXX, XXXX, XXXX ( ARE ALL INCORRECT AND DO NOT AND HAVE NEVER BELONGED TO ME ) SSNs : ENDING IN XXXX ( IS NOT MY LAST FOUR AND DOES NOT BELONG TO ME OR ON MY FILE OR IN CONNECTION OR LINKED TO ME IN ANY WAY ) ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE NOT ONKYBNOT MYBLAST FOR OF SSN BUT ALSONNON OF THESE ACCOUNTS BELONG TO ME THEYRE INCORRECT AND FRAUDULENTLY OBTAINED AND LINKED TO MY PERSONAL FILE. My only CORRECT address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also a linked last four of social ending in XXXX does not belong to me and is not mine and should not be on my file along with these above mentioned accounts and wrong personal information being reported on CHEXSYSTEMS have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These banks along with Chexsystems have caused for all banks to not allow me to be able t open up a normal bank account and feel like a bormal person because Chexsystems is wrongfully reporting inaccuracies and fraudulent information on my personal consumer ID. I need these accounts removed from y Chexsystems file/reports asap. The only correct information that should be reporting is ; Name : XXXX XXXX XXXX Social : XXXX Address:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; phone : ( XXXX ) XXXX
12/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	WA 98499	Web	Older American
On XX/XX/XXXX, I wanted to open a new bank account at XXXX XXXX, XXXX Branch in XXXX, XXXX. The bank denied it and said that their decision based on Chex Systems , Inc. credit report for banking system in the United States. I was devastated because I always had good credit, as my credit report of XXXX from XXXX showed me in their full disclosure. My financial responsibilities always came first to me. It was a terrible shock what I needed to go through because of Chex System. I can not know why I was unable to open a bank account. As XXXX XXXX told me, Chex System posted my XXXX drivers license on their website, without my knowledge and permission, but the associated text on their website is withheld from me, nobody is telling me what is posted about me, despite the law that I have the right to know what is my credit report on XXXX XXXX website about me, and what caused that I was unable to open a bank account? Someone wants to ruin my life with committing a fraud against my credit, with secret lies. I contacted Chex Systems at their phone number : XXXX through my phone on XX/XX/XXXX, to get my credit report. I was unable to because XXXX XXXX system does not accept accent, and hoarse voice, due to my XXXX on my voice after XXXX XXXX XXXX. Same day, I tried to get my Chex credit report using Chex website : www.chexsystems.com. I could not request my Chex report online either because Chex webpage did not let me to enter my name and address, as you can see on the uploaded photo. The blue is lighter at the disabled name box than it is on the top of the page. So, someone ( s ) do not want me to see what lies had been uploaded to Chex Systems with my drivers license, when I am a victim of identity theft. Someone posed, as me at XXXX credit card, as XXXX credit card customer service told me in XX/XX/XXXX, when I wanted to update my mailing address at the card, along with my phone number, because I moved from XXXX to XXXX, XXXX during the first week of XXXX, XXXX. Previously, XXXX credit card denied to update my contact information, and XXXX months later, I was unable to contact Chex Systems. I tried to get my credit report from other credit agencies at the same time, from XXXX XXXX and XXXX, online, from my phone. I could not either. Someones do not want me to know what they put on my credit report. My phone is hacked and it is impossible for me to get any credit report of my credit file even after multiple attempts to get it, after XXXX XXXX denied me to open a new account. Maybe, hackers stole my identity, posing, as me at XXXX credit card, and they do not let me know their fradulent activity on Chex website and on websites of credit reporting agencies in the United States. Please help me to get my Chex Systems credit report to know who ruined my credit and what fraudulent activity led to harm me, which resulted in posting my drivers license online and I can not open a bank account. This credit report is very important to me, because my employer is checking employees credit reports regularly, and I do not want to lose my job because of secret fraud on my Chex Systems credit file. Please help! Thank you.
08/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75087	Web
First and Foremost, XXXX purposely attempts to deny to respond to my CFPB Complaints. In the latest Complaint XXXX advised that there was an unauthorized third party. Nope. I am XXXX XXXX and I am the person who is submitting the complaint. XXXX refuses to assist because XXXX is recording an INVALID Address. Only XXXX is reporting this address, So one of the XXXX employees must be living there? I am unsure but that is not my address. I have lived on XXXX since XXXX. XXXX opened a fraudulent Checking and Savings account. XXXX states they verified the said fraudulent account 's that an identity thief opened. How you ask? Well XXXX says they verified the Fraudulent Line of Credit that was attached to the fraudulent checking account activity verifies back to this account. How again? Well XXXX also states they VERIFIED that statement 's went to an address XXXX XXXX XXXX XXXX, Tx XXXX. ( Not my address ) Not on my credit reports either. XXXX states they verified statements were sent to this address and they can not delete the chexsystems reporting because they verified the account isn't fraudulent. The only thing XXXX verified was a Fraudulent address they sent statement 's to, and a Fraudulent Application I never signed or authorized. a Fraudulent Line of Credit which I did not use and did not gain any monetary benefits from. XXXX clearly is not conducting an investigation here. I unfortunately DO NOT AGREE with Citibanks investigation. I am not going to be responsible for an account I never received any Debit cards from, I never received any Money from, I did not receive any statement 's from, and I did not receive any documentation or applications from. I have not lived at this address they have recorded that they supposedly verified? Yeah not sure how you can verify an address that does not match my drivers license either. My Address listed on my ID is panhandle. My address has been panhandle and it's the same address on my complaint. Lastly XXXX says they sent an identity theft affidavit that I must " Fill out '' and return to continue investigating. Where did XXXX send this you ask? I am not sure because it didn't come to me. I am thinking they must be of course sending it to this XXXX ln address I HAVE NEVER LIVED AT. Again, XXXX has not taken the time to investigate my complaint. XXXX has not provided a resolution. XXXX did not verify my information. XXXX illegally opened a checking savings and line of credit and personal loan ALL OF WHICH I DID NOT RECEIVE ANY MONEY FROM. I DID NOT RECEIVE DOCUMENTATION FROM. I did not receive anything. I do not approve these applications, and XXXX did not clear my identity extended fraud alerts on my credit files either. These have been on there since XXXX and XXXX did not CALL TO VERIFY ME before processing the applications. These are extended fraud alerts / victim statements. I do not approve this address, This is not an address listed on my credit files and this is not an address listed on any of my personal documentation either. So clearly XXXX refuses to investigate because they know they are conducting harmful shameless false business.
11/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 371XX	Web
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XX/XX/XXXX Dear ChexSystems & XXXX, I am writing to request an investigation of the following information that appears on my ChexSystems and XXXX XXXX XXXX consumer report : Account # : XXXX - XXXX XXXX CHECKING & SAVINGS ACCOUNT Reason : This account was opened in a result of a attempt to defraud me. Account # : XXXX - XXXX Checking & Savings from XXXX XXXX. Incident Date : XX/XX/XXXX Principal Loss : {$0.00} Fee Reversal : {$0.00} Paid/Unpaid/Settled : N/A ( ACCOUNT HAS {$38.00} INSIDE OF IT ) Contributing Reason : ANYTHING UPLOADED FOR MOBILE DEPOSIT WAS NOT BY ME, ANY ACCOUNT OPENING FOR THIS WAS NOT DONE BY ME I ONLY HAVE ONE BANK ACCOUNT THIS IS FRAUDULENTLY AND THEREFORE NEEDS TO BE REMOVED ASAP. Bank Name : XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX US SSN : XXXX Date of Birth : XX/XX/XXXX Reason : This account was compromised, and used to upload fake checks so therefore needs to be deleted from my report as it contains errors. Bank Name : XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Savings Closed-Purged Previous Account Status : Savings Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX US SSN : XXXX Date of Birth : XX/XX/XXXX Reason : This account was compromised, and used to upload fake checks so therefore needs to be deleted from my report as it contains errors. Bank Name : XXXX XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Current Account Status : New Account Previous Account Status : New Account Date of Last Status Change : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : DRIVERS_LICENSE_US ID State : TN ID Expire Date : XX/XX/XXXX Email Addresses : XXXX Reason : I do not live at this address, and have no knowledge of anyone who does. This account needs to be deleted as soon as possible. Inquires : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ATM/XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX In the absence of any such documentation bearing my signature, ssn, address or likeness thereof, I ask that this information be immediately deleted from the file you maintain under my Social Security number. Please forward the information to the banks for this to be removed from their systems. I have searched far and wide through my documentation with no findings or evidence of this transaction that occurred. I did not open these accounts at all, and they need to be removed. Thank you for your assistance. Sincerely, XXXX XXXX XXXX
01/21/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33064	Web
Subject : Formal Complaint Regarding Violation of Consumer Rights, Privacy Act, FCRA, and Consumer Protection Act I am writing to officially register a complaint against [ Credit Reporting Agencies Attached to this complaint / Financial Institution attached to this complaint ] for significant violations of my consumer rights, privacy act rights, the Fair Credit Reporting Act ( FCRA ), and the Consumer Protection Act. This complaint is submitted in accordance with the relevant legal provisions and is based on the following grounds : 1. FCRA Violations : - As a federally protected consumer, I hereby exercise my right to opt out of any and all authorization for the disclosure of my nonpublic personal information, in accordance with 15 USC 6802. - Per 15 USC 6803, [ Financial Institution attaches to this complaint ] failed to provide the required notice or disclosure regarding the sharing or selling of my private information to non-affiliated agencies, such as consumer reporting agencies. 2. Consumer Reporting Agencies ( CRA ) Violations : - [ Credit Reporting Agencies , e.g., XXXX XXXX XXXX XXXX, ChexSystems ], are non-affiliated third-party entities that have violated my privacy by accessing and sharing my personal information without explicit consent. 3. Privacy Act Violations : - Violation of my rights under the Privacy Act ( 5 USC 552a ) by [ Financial Institutions and CRAs ] through the willful sale and sharing of my nonpublic information without proper permission and notice. 4. FCRA Compliance Failures : - [ Credit Reporting Agencies and Financial Institutions ] failed to maintain reasonable procedures to ensure users had permissible purposes for accessing reports, assure maximum possible accuracy, and provide FCRA-mandated User Notices. 5. CFPB Enforcement Action : - Reference to the recent enforcement action against XXXX by the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2022, highlighting concerns about the industry 's compliance with the law. 6. Damages and Legal Remedies : - Due to the failure to honor my opt-out requests per 15 USC 6802, I have suffered traumatic emotional, financial, and physical damages, necessitating legal redress. 7. 15 USC 1681n- Civil Liability : - Pursuant to 15 USC 1681n , I seek civil liability for willful noncompliance, including actual damages, punitive damages, and legal costs. 8. Dodd-Frank Act Violations : - Asserting that [ Credit Reporting Agencies and Financial Institutions ] are engaging in deceptive acts or practices, violating consumer financial laws under the Dodd-Frank Wall Street Reform and Consumer Protection Act. In consideration of the aforementioned violations, I request a thorough investigation into this matter and a detailed response outlining the corrective actions taken. Attached herewith are supporting documents demonstrating the unauthorized sharing of my personal information. I am prepared to pursue legal avenues for resolution if necessary. Your immediate attention to this matter is appreciated, and I anticipate a timely resolution.
05/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ XXXXX	Web
On or around XX/XX/XXXX I learned that negative report information had been submitted by XXXX XXXX XXXX. Upon receipt of my Chexsystems report in XX/XX/XXXX, I immediately disputed same on the basis that I did not engage in suspected fraudulent activity. I advised that the information was false and that I had no knowledge of any suspected fraud activity, on my part. I requested the negative information be verified, and upon the assumption it could not be, subsequently removed from Chexsystems. I have never owed money to XXXX XXXX XXXX that would have resulted from mishandling of my account. On or around the day the account was closed, I still had funds in the XXXX XXXX XXXX checking account, which I believe have been returned to me although I can not remember for certain. Despite all of my attempts to contact XXXX XXXX XXXX and have this information removed, I have been unsuccessful. To date, I still have not received any information from the bank verifying the accuracy of this activity and I continue to maintain that any suspected fraudulent activity was not done on my part and I have never knowingly and/or intentionally mishandled an account with this or any other institution. On XX/XX/XXXX, after being denied for another bank account, I received a ChexSystems report indicating that this institution continued to report negative information. I again disputed the information on the basis of its inaccuracy. I again requested any documentation that the bank believed would verify the accuracy of their negative reporting. As of this date I have not received one document. On XX/XX/XXXX I received a third Chexsystems report after continuing to be denied for a bank account, except this time denied at a local credit union. This institution continues to report suspected fraudulent activity despite the fact that it is false and is a clear violation of the FRCA which requires them to accurately report information, and correct and remove any immaculate information. The report itself implies that it has not been verified by indicating that any such fraudulent activity, albeit denied, is merely suspected The FRCA requires this institution to verify, with proper documentation, this informations accuracy within 30 days. Thereafter should this institution be fail to do same, the inaccurate and negative information must be removed. It is now almost 2 years since the date that this was first reported and this institution has not provided one single document to prove or verify the accuracy of this account. The negative reporting information has inhibited me from getting a bank account and I am facing severe financial hardship that is affecting my ability to afford my rent. I did not perform any fraudulent activityrather this institution allowed another individual to open an account with my information and now is holding me accountable for others wrongdoing. I dont know what else to do to get this false and inaccurate information removed from my report. I have been disputing this for almost two years. I am desperately seeking your help as I have exhausted all of my options.
09/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 45014	Web
this is the final complaint that I am going to issue before going to FBI/ oh attorney general 's office about this company CHEK SYSTEM who keeps committing a crime against me by refusing to update XXXX XXXX XXXX 's who was the Creditors info the credit union has sent to check system a total of 3 TIMES! XXXX stress that chek systems continues to ignore XXXX 's request in WRITTING to mark item PAID in full that is reflecting bad negative item on my credit report! I WILL NOT STAND FOR THIS. IT IS COMING TO CIVIL litigation SO BE IT! I NEED THIS TO STOP! THIS IS TOTAL DISCRIMINATION AGAINST me! CHEK SYSTEM once again for the third 3rd time!!!! is refusing to HONOR XXXX XXXX XXXX request in writing. XXXX has informed me mass times by phone and via email ( evidence attached ) that they have contact check system stupid XXXX to let them know thousands of time to make a issue that was solved between the credit union and I PAID request to update my file mass times which is hurting me from opening bank accounts!. I have no idea what check system issue with me is ... but it needs to stop asap! -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- there is another stupid company called XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Florida XXXX? that is committing FRAUD in my name when in fact they keep insisting that I wrote a check to them to pay XXXX XXXX which I never wrote a check to this company XXXX initially? I always pay XXXX by debit card? I never wrote a check whatsoever to XXXX. these people keep saying that I wrote a check that did not clear with XXXX which is not on my bank statement at all yet keeps asking yet harassing my bank to give them info they do not deserve from my bank called XXXX. for the 3rd time again for these XXXX ... I have sent the necessary info as proof to this company called XXXX showing them I did not write a check to XXXX there is nothing on my bank statement to verify a check even being wrote evidence attached these XXXX XXXX contact the upper XXXX in my complaint, I am constant complaining about CHEK Systems ... oh yes ... to post on my report that I did not pay the check of course stupid check system post his unlawful mess from XXXX stating I did not pay the check to XXXX as well I sends current info of my back statement to both dummy 's and of course once again they completely ignore the evidence and wants to ruin my credit saying different. I XXXX XXXX XXXX has included evidence of the checks and check sequences that I have and the bank statement for the month of XX/XX/2019 that XXXX claims I wrote the check in the month of XX/XX/2019 to XXXX which shows no activity! if I wrote any check you XXXX well better believe that a bank would have record of the check and the check number and date check was written! OOOK! PLEASE GET BOTH MONSTERS OFF OF MY BACK NOW BY MAKING THEM ACCEPT LEGAL DOCUMENTS THAT I AS WELL AS OTHER ORGANIZATIONS/COMPANIES PRESENT TO THEM AND LEAVE ME ALONE! I DEMAND ALL UPDATES TO BE LISTED AND SENT TO ME AS UPDATED info ASAP!
01/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	IN 462XX	Web
On XX/XX/2020 This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : XXXX XXXX Account : XXXX - Allegation ( s ) : Non-Sufficient Funds ( NSF ) Activity. These allegations have not been proven. Please remove XXXX XXXX XXXX Account : XXXX - Allegation ( s ) : Overdraft. These allegations have not been proven. Please remove it from my credit report. I respectfully request to be provided proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. In addition, my information was impacted by the XXXX data breach and may have ended up in the wrong hands. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DE 199XX	Web
Dear ChexSystems, and CFPB THIS IS NOT A DUPLICATE REQUEST I am writing to dispute the accuracy of information that XXXX XXXX Bank has reported to your company and which is included in my consumer disclosure report. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a ( e ), I have the right to dispute inaccurate information with consumer reporting agencies like ChexSystems. As you may already know, 15 USC 1681a ( e ) defines a " consumer reporting agency '' as any person or entity that regularly engages in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties. The FCRA requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in their reports. I understand that ChexSystems is a nationwide specialty consumer reporting agency that provides services to financial institutions and other businesses with a permissible purpose under the FCRA. ChexSystems ' services primarily assist its clients in assessing the risk of opening new accounts. When providing this service, ChexSystems is required to abide by the requirements of the FCRA and any applicable state statutes. In my case, I believe that XXXX XXXX Bank has reported inaccurate information to ChexSystems, and I request that you initiate a reinvestigation of this information. I understand that when a consumer disputes information with a consumer reporting agency under the FCRA, the agency must place the information in dispute and notify the furnisher of the information. The furnisher must then investigate the disputed information and report back to the consumer reporting agency with its findings. I am also aware that under the FCRA, consumer reporting agencies must provide consumers with a copy of their consumer report and a summary of their rights under the FCRA. This includes the right to dispute inaccurate information, the right to a reinvestigation of disputed information, and the right to add a statement to their consumer report explaining their side of the story. I am requesting that ChexSystems reinvestigate the accuracy of the information reported by XXXX XXXX Bank and that you provide me with a written report of your findings. If you determine that the information is inaccurate, I request that you remove it from my consumer report. If you determine that the information is accurate, I request that you provide me with the contact information for XXXX XXXX Bank so that I can address the issue with them directly. AS I'VE TRIED TO CALL, EMAIL AND SEND LETTERS BUT NO ONE FROM XXXX XXXX HAVE RESPONDED TO MY REQUEST TO VALIDATE THIS ALLEDGE DEBT. Thank you for your attention to this matter. Sincerely, 1. Date of Closure : XX/XX/20XXXX XXXX # : XXXX / XXXX Original Charge Off Amount : {$590.00} Closure Status : UNPAID Closure Status Date : XX/XX/2019 XXXX. Date of Closure : XX/XX/2XXXX XXXX # : XXXX / XXXX Original Charge Off Amount : {$630.00} Closure Status : UNPAID
01/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	WA 98033	Web
Chex Systems , Inc. Security Freeze web page ( https : //www.chexsystems.com/web/chexsystems/consumerdebit/page/securityfreeze/placefreeze/ ) will not process submissions with valid Washington State Enhanced Driver 's License Numbers. I even tried truncating my license number to see if it would submit with some of the leading characters removed... no luck. I verified this multiple times on the page and then called Chex Systems. Note that the WA enhanced DL number is not new : it was issued more than a year ago. So, this is not some data synchronization delay. The Chex Systems agent confirmed there was a problem with the web page in terms of taking driver 's license numbers and offered to take my information over the phone. It took two minutes for the agent 's " system '' to become available. Even if the agent was working overseas, which I suspect, where latencies to US-based web sites/servers would be higher, that length of delay is absurdly long and may be intentionally in place to discourage callers from completing freezes. I asked the agent why it took so long and noted that the slowness was surprising given that freeze tasks are presumably a core element of the agent 's job ( i.e., wouldn't their system already be up? ). The agent did not have a cogent response to that. I finally decided to just mail the sensitive information required for the freeze placement and the agent provided what I needed to include : full name, SSN, DOB, current mailing address and a remark that I wanted to place a freeze. The agent also gave me the mailing address. I thanked the agent and ended the call. I decided to call back into Chex Systems automated system and navigate through the menus and voice response to see if the details the automated system gave on how to mail in a freeze request would match those from the agent. They did not. The automated system included all the items the agent had mentioned but additionally requested Driver 's License number ( incl. state of issuance ). Was this a purposeful exclusion by the agent so that a freeze request could be denied or stymied? Possibly. It could have also been an honest error. Or maybe they really don't need DL number ( curiously the web freeze page doesn't have a red star indicating DL is required but in fact you can't submit the form without it ). Another curious fact : Chex Systems does not just post the info needed to place a freeze by mail directly on their web site. They make you call to get that. Why? The only logical conclusion is that they want to make it harder to submit a freeze request. The sum of these experience suggests, at best, multiple acts of incompetence by Chex Systems. However, there is also the strong possibility of willful action by Chex Systems to complicate submissions of freeze requests, thus discouraging them, or even to facilitate erroneous or incomplete freeze submissions that can then be denied or pushed back to the customer, who may no longer have the patience to continue. In short, Chex Systems handling of this matter reeks of obstructionism.
07/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX XXXXX	Web
ChexSystems has not provided any new details into their " Investigations '' they allegedly conduct. They have not resolved anything and honestly i have tried to resolve things with them. As a company that violates numerous FCRA laws put in place to protect consumers of identity fraud. They should be investigated. Chexsystems has not provided any documents supporting their " investigations '' they always demand i go to a law enforcement officer and get them to sign my FTC Report. When i went to my local police station, and they stated that the FTC report does not have to be signed. They normally do not sign FTC reports and stated that the FTC reports these to the police and attorneys, and justice system via the Sentenial network system. I told the police officer that ChexSystems violates my rights as a consumer and all laws put in place for consumers. I stated that they do so by adding fraudulent addresses to my chexsystem report, and by continuing to place these inquiries on my report, even AFTER being notified now over 6 times of fraud that has occurred. Chexsystems has not once sent me any mail, any documentation into their fake investigations. I have provided them with my LEGAL FTC DOCUMENT PROVIDING proof of Identity Fraud, i have signed this document. I am now demanding chexsystems block these inquiries i have already notified you that were fraudulent. I have not ever lived at XXXX XXXX XXXX in XXXX, TX i have not ever lived at XXXX XXXX XXXX, XXXX XXXX XXXX At all, These addresses are again fraudulent and linked to these inquiries that's why chexsystems refuses to block them. FCRA places laws in place if you are a victim of identity theft and you have notified the company that you are requesting to block the fraudulent information and have provided them a copy of your FTC Identity theft affidavit they then must block the information. It does not say they can dispute the information, as i notified them of fraud. It does not say they can lie and continue to commit fraud themselves as they are placing the information on there. I wouldn't have a doubt that someone inside chexsystems is actually behind the fraud since they refuse to ever provide any resolution. I will continue to file complaints with every single government organization i can until this fraud is removed from my report. You are dragging my consumer score down because of your fraud. Additionally they stated they verified XXXX XXXX which looks like some kind of company that does inquiries for all of these " Payday loan places '' My Credit scores are over 700, it makes no logical sense that i would have ever i mean EVER applied for any PAYDAY place when i can obtain prime rates. So again your evidence is actually false. I did not authorize any XXXX services to obtain my consumer report. I did not grant XXXX, or " XXXX XXXX '' or XXXX XXXX access to my ChexSystems report. Additionally i did not authorize XXXX XXXX XXXX. In fact they contacted me advising me there was a fraud alert and i told them i never applied for any accounts with them.
01/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30224	Web
XXXX XXXX XXXX closed my checking account XX/XX/XXXX which I thought was only for a negative balance. I later find out they closed my account for fraud which Ive never committed. The account balance was {$38.00} which I paid on XX/XX/XXXX. I talked to multiple representatives at XXXX XXXX XXXX on XX/XX/XXXX and not one could pull up information about fraud being committed. I completely understand that my account may have been closed due to a negative balance, but Im being reported for something thats completely inaccurate. Fraud and insufficient funds are 2 total completely different things. After trying to resolve the issue I spoke with Chexsystems and XXXX XXXX trying to get the issue taken care of. I spoke with a representative at XXXX on XX/XX/XXXX and told him my issue how Im being misreported as fraud. He basically told me he knows and XXXX XXXX XXXX risk department reports EVERYBODY as fraud even if they havent committed any type of fraud and if I dispute its a waste of time because chexsytems works for the banks not the people. He later told me also if I wanted it removed I would have to wait 5 years or pay {$400.00}. I then called XXXX XXXX about the situation and they told me to file a dispute which I received the documents in my email XX/XX/XXXX. This entire time Ive been misreported and its completely unfair to me because I cant get no type of Bank accts. All of them see me as fraud when Ive never done such a thing. I paid the {$38.00} that I indeed owe and I just want things to be done fairly. Yes I owed on a negative balance, no I didnt commit fraud. I called XXXX XXXX XXXX risk department today ( XX/XX/XXXX ) to see if they updated Chexsystems and XXXX XXXX so I could pursue getting me a new account with a better bank who doesnt just reports every account closure as fraud. The lady told me even though I paid, this account will stay reported as fraud until XX/XX/XXXX. I then told her that Ive never committed fraud and its reporting inaccurately. She told me that I shouldve filed a claim after the account was closed. I wouldve indeed filed a claimed if the account was closed to fraud, but I was under the impression that my acct was only closed because I had a negative balance of {$38.00}. Nobody at XXXX XXXX XXXX can tell me how I committed fraud but theyve reported me. This is completely unfair and its causing unnecessary stress in my life because Im being reported for something that I didnt do. Chexsystems and XXXX XXXX are working with the banks so its basically 3 against 1. Ive never committed fraud and XXXX XXXX XXXX is violating my rights. I demand some type of physical or legal proof showing I committed fraud, if not I need this misreported information removed immediately. Its at the point now where its affecting my daily life because I cant get another bank acct anywhere. If theres no proof where I committed fraud, I need to be removed from Chexsystems and XXXX XXXX immediately. Like I stated earlier, having an negative account and committing fraud are 2 completely different things.
11/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33312	Web
My identity was stolen a few years ago. The person who stole my identity assumed my identity, filing taxes, renting apartments, bought and registered vehicles ( even receiving parking tickets in one of them ) ; as well as opened checking and credit cards in my name. They got away with it for some time before I noticed as I was frequently ( more often than not ) out of the country for work at this time ) as the accounts they opened were being paid/utilized and my mail was being intercepted and or forwarded. In fact ; I think it still may be being intercepted. I really am not sure, that is kind of the way fraud is designed though. At some point I did being getting collection letters and I was disputing them directly with the creditors. Then, when I finally received my credit report and realized what had happened. This was about the spring of 2017. I still tried to work directly with the creditors, to no avail. I was not directed by anyone to report the fraud to police for months. I did attempt to file a police report in XXXX of 2017 but the police told me I needed to come back with documentation and then we were hit with Hurricane Irma and I left the area prior to the storm and was not able to return as there was no power for over 2 weeks. When I finally did return, I went to file the police report as soon as possible ( when brought me into the first part of XXXX as the police station does not take reports Sunday or Monday and these are usually the days it is easiest for me to go ). I have explained as well as documented all of this until I have become blue in the face to every creditor, credit reporting bureau, lender and anyone else privy to the information and or history ; however your company still refuses to follow Federal Law and is denying my rights to me under the FCRA and the FDCPA ; specifically 15 U.S.C. 1681c-2 by refusing to block a fraudulent account from my credit report. XXXX XXXX XXXX has been playing games with me, causing me to jump through hoops and causing me additional and considerable compensatory and monetary damages. They have changed their story several times and have been giving me the run around for nearly 18 months taking up dozens and dozens of hours of my time causing me to lose time at work and money. I reported the account that was fraudulent and needing to be blocked back in the fall of last year ; instead of processing it is fraud, they opened an investigation as if it were a dispute and insisted I wait 30 days for them to complete the review ( by law they are supposed to block the accounts within 4 days. I have documented the theft to a T. I sent the police report, a cover letter explaining the ID theft and demanding they block the account pursuant to FCRA U.S.C. 605B ( 15 U.S>C> 1681 c-2 ) ; both my drivers license and social security card and even furnished them with a copy of someone utilizing a fake id with my information. All of this was in vain I suppose. I didn't even get a copy of my Chexsys report for months so I wasn't aware this account existed.
03/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	ME XXXXX	Web	Servicemember
Addendum to Case # XXXX ... .This is in regards to an account with a credit union. The direct deposit from the VA was not properly routed ( See attached ). Deposits had to be made in cash, at a local credit union branch. On XX/XX/XXXX, payments were processed via bill pay, before the deposits posted. Some payments cleared, while others were returned, some payments were returned multiple times. This in turn caused over XXXX dollars in bank fees. Unbeknownst to me at that time, some utility payments, as well as credit cards payments were returned by the bill payment provider. These payments were coded to appear as if it was myself who refused these payments, therefore causing 30 day late to appear on my credit files. Also, I have had a utility terminated due to this, as well as another utility suspended. I contacted my former credit union, to receive a contact number for this bill payment service. Upon contacting this company, the call suddenly terminates without my speaking to anyone in regards to this matter. I had a bill payment service approve payments while there are insufficient funds in one 's account. I have also attached proof some payments were attempted more than twice. According to credit card companies, when a payment is returned, that payment is applied to the balance, unless otherwise instructed. I did not interfere with the processing of the credit card payment. I was informed by the credit card company, a notation was placed on the payment, therefore causing the card to become late on my credit files. Furthermore, this company has not mailed me at my mailing address, in regards to this matter. I have provided notes from a conversation with XXXX XXXX, in regards to what was to happen if a payment is returned. Also, I have included verification of the Direct Deposit that was intended for my credit union for XX/XX/XXXX. Also, the address the credit union, as well as the USPS, and the Department of Veteran Affairs, as of XX/XX/XXXX. Also, I only received notification of this alleged debt after receiving a phone call from this company, on XX/XX/XXXX. I requested a letter be mailed to me in regards to this matter. I never received such letter. As I was contacted less than 21 days after the payment was allegedly made, there was no attempt to resolve this matter within the credit union. I was not allocated the full thirty calendar days to dispute this alleged debt. as it has been now over sixty calendar days, and I still have not received formal notice by postal mail, this alleged debt is hereby invalid. As you mentioned in your previous answer to the CFPB, my address was considered as " invalid '', according to your company. As an alleged collector of debts, my address could have been obtained by contacting the credit union itself or by conducting " skip tracing '' with the credit bureaus. Also, I find it rather perplexing how you had an invalid address when you contacted me via telephone. I also informed you of the correct mailing address per our telephone conversation on XX/XX/XXXX.
09/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	MD 207XX	Web
REF : XXXX XXXX XXXX, Violated Regulation E and Wrongfully Reported Me to ChexSystems, Consumer ID : XXXX To Whom It May Concern : I, XXXX XXXX submitted two complaints to the Consumer Financial Protection Bureau on XX/XX/2020. Both complaints were in reference to, XXXX XXXX XXXX wrongfully, falsely and illegally submitting my personal information to ChexSystems. Furthermore, submitting inaccurate statements and claims to ChexSystems referring to suspected fraudulent account activity. The Consumer Financial Protection Bureau complaint number, against XXXX XXXX XXXX is XXXX. The Consumer Financial Protection Bureau complaint number, against ChexSystems is XXXX. Both Organizations have submitted their response to my complaints ; which is included within this letter for review. However, my consumer complaint has not been resolved and Im taking additional action to reach a resolution. XXXX XXXX XXXX did not provide any material or real evidence to support their claims and wrongful submission to ChexSystems. Nor, did XXXX XXXX XXXX provide any material or substantial evidence to support, they conducted an investigation, in accordance with Federal Regulation E. When a consumer disputes an electronic transactions. The Financial Institution has a legal obligation to conduct an investigation. Furthermore, the Financial Institution has a legal obligation to provide a dispute number, provide provisional credit if applicable, send a written letter within 10 days of the complaint, has up to 90 days to complete an investigation and must provide a final letter of resolution, to the consumer. XXXX XXXX XXXX, violated Regulation E by not conducting an investigation. Even though, I verbally requested one, within their branch located at XXXX XXXX XXXX, XXXX MD XXXX. They did not provide a dispute number or claim number. They did not send a written letter of confirmation referencing my dispute. They did not send me a final letter of resolution referencing the outcome of the investigation. XXXX XXXX XXXX illegally took matters into their own hands, violated Federal Regulation E and violated my Constitutional Rights. According to United States Federal Law, any and all Institutions found in violation of Federal Regulation E. May result in liability for the actual damages sustained by the consumer, statutory damages of {$100.00} {$1000.00}, class action damages in the lesser of {$500000.00} or 1 % of net worth, as well as reasonable attorneys fees and costs as determined by the court. See 15 U.S.C. 1693m ( a ). In addition, there is also a criminal liability component of Regulation E for knowingly providing false or inaccurate information or otherwise failing to comply with Regulation E. I, XXXX XXXX is requesting my personal information, illegal submitted by XXXX XXXX XXXX to ChexSystems be nullified. In addition, Im requesting XXXX XXXX XXXX provide evidence to all State and Federal Agencies listed within this letter. Showing an investigation was conducted in accordance with Federal Regulation E.
05/07/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	DC XXXXX	Web	Older American
Complaint Source : ChexSystems -- a reporting source to the financial institutions in reporting consumer data activity adverse and derogatory. ChexSystems provides similar services as an official credit / credit reporting agency. ChexSystems - Consumer Relations in XXXX, MN provides consumer reports with an ID # XXXX -- dated report received XXXX XXXX, XXXX for consumer XXXX XXXX -Social Security # XXXX. ChexSystems listed inquiries pertaining said consumer ; and listed Personal information as a profile and adverse reported information from its merchants, members, subscribers, creditors etc. ChexSystems has listed data provided to them by XXXX Bank on this consumer report. Consumer has disputed said data several times with ChexSystems. ChexSystems claims they investigate the data with the source / creditor / institution and provide a similar dispute investigation as credit bureaus to consumers. ChexSystems received a dispute letter XXXX XXXX, from consumer in relation to items listed by XXXX Bank ; which are in error and possibly the statue of limitations have expired. ChexSystems, does not remove the data nor do they intervene in any dispute ; unless the source provider makes modifications and rermove data. Therefore, leaving the consumer with no alternative nor option to repair, recover and/or remove said data. Consumer has requested ChexSystems to provide documentation, data details and vigorously investigate the dispute. All ChexSystems, have provided ; is the verification of name, address, SS # and the information as accurate within the ( FI ) financial institution ( s ). Consumer contends ChexSystems, damages consumer 's ability to regain financial or banking services due to data on their reports. If the data is inaccurate other than making notation of the dispute ; investigate the matter and remove it ; within the statue of limitations, and/or remove the data if it is n't factual. ChexSystems, is n't taking responsibility for errors in data provided to them ; however, is n't taking measures to correct, repair and validate the data either. ChexSystems ; provides adverse / derogatory data about consumers from their database sometimes ; without evidence ; other than data received from subscribers, merchants, creditors, or members of ChexSystems. -- The consumer is left with no other option ; than to suffer the consequences from this information as reported. Mostly, if its outdated, in error and without merit. Consumer contends ChexSystems should remove adverse data from consumer 's file until disputes are validated, investigated and cleared by said institution, creditor, vendor, merchant, subscriber etc. Moreover, ChexSystems should be held accountable for damages incurred to consumer for reporting invalid, erroneous, inaccurate, unsubstantial data against a consumer. Consumer has requested ChexSystems to remove data which is outdated and/or expired statute of limitations. To date, XXXX XXXX ; neither ChexSystems nor the reporting source have accomplished this request.
01/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30228	Web
After a recently submitted complaint to CFPB about an identify theft and fraudulent act committed toward me by XXXX XXXX XXXX, Chexsystems, and early warning, I received a call from a XXXX XXXXXXXX XXXX representative after I was emailed that they were to respond to CFPB. I wasn't asked anything but if I would like to discuss anything with her, the representative, about the matter. This came off to me as " guilt '' or confession to the alleged act toward me. This person then said to me they would " let me know something or make a decision '' in a few days ; as if I was under an " approval application '' standard! ; after replying " no '' to the question but then explaining just a few details about the matter as a courtesy. This Bank was asked to respond to CFPB, not me. I'm complaining about this BANK and the credit reporting agencies attempting to make this a matter of approval of a simple bank account, which it is not! Because of this, my name should definitely be removed from these 3 agencies ' files completely and never placed back into the system unless and/or until a civil court Judge rules favor for so. The documents show proof of intent to lie to the government or harm the recipient, myself, either physically or criminally through cybercrimes. This call was posed as threatening ; by attempting to place me under an illegitimate " application approval standard '' concerning this fraudulent credit reporting matter ; which reads XXXX $ monetary loss ; without including CFPB. Therefore insulting the work and objectives of both Chex Systems and Early Warning ; which is to record actual " fraud '' involving " CHECKS '' and transactions that abundantly exceed the amount of {$0.00} in loss Page 3 of the attached file : After receiving the consumer report from XXXX XXXX, I am able to see that, I, the consumer requesting the report, should have my file deleted immediately. The incident date in the file does not match the date the account was closed or ANY DATE IN BETWEEN the opening and closing of the account. This proves that no such incident occurred and that the bank should be held accountable. And that so, by clearing my name and deleting this information on file immediately. Account opened : XX/XX/2017 Account closed : XX/XX/2017 That any manner of transaction or attempted transactions, if any, were authorized and proves " wrongful suspicion '' Incident Date : XX/XX/2017 Principal Loss : {$0.00} Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. The bank account was closed at this time. Any card from the institution also deactivated on date of account closure Open Date : XX/XX/2017 Close Date : XX/XX/2017 Current Account Status : Closed For Cause-Purged Previous Account Status : Closed For Cause Date of Last Status Change : XX/XX/2017 Name : XXXX, XXXX, XXXX Email Addresses : XXXX Balance Information : Month/Year Balance XX/XX/2017 {$0.00} XX/XX/2017 {$0.00} XX/XX/2017 {$0.00} XX/XX/2017 {$10.00}
05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 18018	Web
A recent consumer disclosure of XXXX showed XXXX accounts opened in my name fraudulently. The disclosure was prepared for my Consumer ID : XXXX. On XXXX I had prepared a dispute for those items including a cover letter with a statement that the accounts were not mine, a copy of the disclosure with incorrect items circled, my personal identification, a copy of the FTC Identity Theft complaint I filed, and a copy of FCRA 605B ( 15 U.S.C. 1681c-2 ) for their reference. I had tried to submit this via the website but was experiencing technical difficulties so I sent the complaint via fax as well. On XXXX I reached out via telephone to ChexSystems to inquire if the dispute had been received and was being processed. The first representative I spoke with told me to wait 30 days for a resolution to which I responded that under section 605B it should be removed in four business days. He repeatedly told me that I was wrong so I requested his supervisor. The first supervisor I spoke with - XXXX - told me that the information wasn't removed because the ID Theft Report wasn't signed by a XXXX XXXX XXXX. I clearly explained to XXXX that section 605B doesn't require that, and that asking a XXXX XXXX to sign MY affidavit was absurd. XXXX said that it had to be a XXXX XXXX XXXX - NOT a XXXX XXXX. I asked to speak with someone in his compliance department, and was told there was no compliance department. I then requested a manager or someone in authority that was capable of following federal law. The second supervisor I then spoke with - XXXX - apologized for the misinformation I had received but told me that the internal compliance department had left a note that the ID Theft Report had to be signed by a XXXX XXXX XXXXXXXX. I asked him how they had a compliance department when XXXX told me there was no compliance department. I then reiterated that section 605B doesn't require a law enforcement signature and that I had completed the four requirements by the letter of the law. XXXX explained that he didn't have " law books '' there to see what 605B was, so I kindly explained to him that he can look at the submitted dispute to see a copy of the statute. XXXX continued to tell me that the signature was ChexSystems requirement, and I continued to tell XXXX that they can't just rewrite federal law as they see fit. I then requested to speak to someone in the United States that understood the laws that govern ChexSystems operation. I was then transferred to XXXX who again apologized for the experience and said that she wanted to file a complaint about the handling of this matter, but reiterated that FTC ID Theft Reports need to be signed by a XXXX XXXX XXXXXXXX. I asked where that was stated in section 605B and also where - precisely - on the ID Theft I was to get a signature. XXXX was unable to answer these questions and said she'd ask for a supervisor to follow up. ChexSystems has an ongoing issue with properly following FCRA Guidelines and enforcement action should be taken.
01/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NJ 070XX	Web
CFPB and FTC must use their rulemaking responsibilities and enforcement authority to ensure that Chex Systems , Inc, aka ChexSystems, as subsidiary of Fidelity National Information Services , Inc conducts its business in full compliance with FCRA and does not interfere with XXXX Consumers businesses. Although XXXX Consumers are not the XXXX XXXX Chex Systems , Inc, the Company advertises and provides direct services to XXXX Consumers such as copies of Consumer Disclosure, Reports dispute along with " Identity theft '' Protection and " Security Freeze '' Services. There is no Disclosure made available to Consumers about how " Identity theft '' Protection and " Security Freeze '' Services are provided and what consequential harm use of such services XXXX bring onto the Consumer! The harm, XXXX little private business XXXX impose on the XXXX is tremendous and unjustifiable. The reality is that when XXXX Person accepts the Services such as " Identity theft '' or " Security Freeze '' that Person gives up the right to act as XXXX Consumer for the period of next XXXX days or longer! The way the Services are provided directly to Consumer is either Online via Consumer Portal, Phone, Fax or XXXX Mail. When Consumer initiates the Service, ChexSystems generates the PIN that is provided to registered Consumer via Online Portal or mailed via USPS. The PIN is required to manage the Service when and If the XXXX Person decides to act as the Client of various XXXX businesses reliant on the access to that Person Consumer Report. ChexSystems ' XXXX XXXX has not been available for weeks, with no plans or timeframe of when its operation XXXX resume. In a meantime the PIN, that is required for making Consumer Report Accessible is only available via XXXX Postal Service. While it normally takes XXXX days for the letter containing the PIN to arrive to XXXX XXXX address It takes indefinite period of time if XXXX mishandles XXXX delivery! ChexSystems refuses to explain why XXXX Customers must depend on XXXX while dealing ChexSystems XXXX. ChexSystems refuses to disclose when normal operations XXXX resume. Normal Operations mean that XXXX Consumer and XXXX Business XXXX enter into XXXX Century transactions without ChexSystems Hindrance or XXXX Involvement. As of today and last several weeks, once XXXX Person becomes the Consumer of certain ChexSystems XXXX, such Person for the period of days, weeks or even months surrenders the access to credit, loan, financial services, ability to make specific purchases, obtain the tenancy or to any other goods and services where the access to Consumer Report is a permissible purpose. And this is only happening because XXXX little XXXX company generates the PIN but doesn't make it immediately available to the XXXX. Furthermore, where it is called " Personal Identification Number '' The Consumer is not the PIN Owner. ChexSystems, without prior disclosure or consent will delete the PIN based on its discretion and operational specification
05/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77054	Web
XXXX 2017, I submitted an online VALIDATION dispute with Chexsystem b eca use 3 b ank accounts were reporting that do not belong to me. Two of the accounts fell off because they did n't have proof of the accuracy of the reports, however one remained and is showing as " vertified ''. I sent a letter to Chexsystem XXXX 2017 asking them to furnish me with the undisputable proof bearing my signature that this debt is VALIDATED and to furnish me with how they verified the account. When I called XXXX 2017 I was told they would mail me the proof however all I received was an updated report with the XXXX account still reporting. I have asked for proof twice now and they are unable to furnish it because of that and the fact the investigation is now 60 days late, the account need to be removed from my report. My second is I have been disputing inquiries XXXX 2017 . My initial dispute for VALIDATION was online and the results came back as " verified ''. When I called in XXXX XXXX 2017 to clear up that I asked for VALIDATION not verification and to inquire on what proof they had in accordance to FCRA reporting rules that the inquires were " verified '', I was told that I had to dispute them with each company. I reminded them that according to FCRA rules, it is the burden of the reporting agency to report accurate information and be able to prove such accuracy if asked and if they can not furnish such proof they are obligated by law to delete it and in return to my statement I was told again I needed to call the creditor. I then disputed the inquiries with the creditors and received the same " verified '' dispute status. I then initiated ANOTHER dispute XXXX XXXX , 2017 in writing asking AGAIN for VALIDATION and Chexsystem returned with the same " verified '' notification but no one has proof as to me actually applying for these accounts.. It has now been 60plus days and 3 d isputes later and no one including the original creditor can show me proof I applied for these accounts nor credit issued for any of the questioned inquiries. Chexsystem is now in violation of FCRA rules and need to remove the inquiries or show me indisputable proof that approved these inquires or delete them. I HAVE ALSO RECEIVED CONFLICTING REPORTS FROM ALL XXXX BUREAUS, ONE MINUTE THE INQUIRIES WERE GONE AND THEN RETURNED. I have a paper report of them being gone but when I call they are there, then I received another report where they are there AGAIN. When I called, I was in contact with a agents who barely speak English and I was told it was a glitche in the system and they do n't know what is reporting correctly because of the glitche but the REFUSED to remove them nor can prove they were initiated by me. Please just remove all har d INQUIRES, it is preventing me from obtaining a bank account when I have n't had any of these account nor initiated these inquiries and have sent a fraud alert along with a identity theft report.
09/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33063	Web
To XXXX I am writing this message in regards to a letter i received a few weeks back. I wish to have a description of the procedure used to codetermine that the information your sent to me was valid. Looking at a computer screen does not make it valid that is a violation of my rights as a consumer. You have violated several things within the FCRA, FACTA and you have violated the procedure to factually through the dispute process by allowing a computer to dictate if an account is verified that is fraudulent. You've made a serious mistake by placing an account that doesn't belong to me on my consumer report. I received an alert as to the account being fraudulent due to several breaches. I have mention this time and time again that i am unaware of the debt with XXXX XXXX XXXX and i asked for original documents of the contract, and the procedure used to verify the accounts listed. I never received any actual original documents there for you must remove this accounts immediately. I will not fall victim by being a fool to the credit bureaus. An account can't be verified by a computer. It is impossible. I want to see actual documents with my signature with the contract that i owe a debt. I have been harassed by your company and creditors for something i have no clue about. I will be filing a lawsuit upon your reply and actions you take this get this matter resolved. I am a consumer that is aware of my rights and i have the right to dispute any accounts that are not mine. I didn't give anyone and rights to to add any account or view my credit report without my consent. That is breaking the law and i want compensation of {$1000.00} for each error that is listed on my credit report. I've sent in several certified letters dating back to a year ago. I am now dealing with a lawyer that realized the errors and mistakes that you've caused to my consumer report. I am requesting a listing of the names, addresses and telephone numbers of the people they contacted at your bank. I am also aware of Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/1995 ). request that you respond to my letter in 14 days max within the time period i will following up on my credit file to ensure this matter is resolved within that time frame. If i'm not contacted in 14 days i will contact the FTC and my state attorney generals office located at Office of Attorney General State of Florida XXXX XXXX XXXX XXXX, FL XXXX. I will also file a petition in small claims court for items such as Defamation, Violation of the Fair Credit Reporting Act, and Negligent Enablement of Identity Fraud. I have copies of all the papers work I've sent in to be of certified mail, recordings over the phone for the past year on disputes. Emails and more. I am well equipped and ready for litigations beware that i am now turning this over to my lawyer. A letter will be sent from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. She will definitely be in touch with you.
05/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 070XX	Web
On or around XX/XX/XXXX I learned that a bank account was opened at XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) using my personal information. I did not authorize this account to be opened and came to learn ofsame after being denied a savings account. Upon receipt of myChexsystems report in XX/XX/XXXX, I immediately disputed same on the basis of fraudulent and requested the negative reporting information be removed from Chexsystems. I continued to make attempts to contact the XXXX XXXX XXXX in an effort to have the information removed but was unsuccessful. I continued to advise the bank that i did not open this account.After filing a fraud identity report with the FTC, I forwarded acopy of same to the bank evidencing fraudulent activity, again requesting the false information be removed. I have had toplace security freezes and fraud alerts on my credit report. In the alternative, I also requested, should the bank maintain thatthis account was valid, albeit false, that they provide theappropriate documents to verify this. To date, I still have notreceived any information from the bank verifying the accuracy of this account and I continue to maintain that this was a fraudulently acquired account opened by someone who usedmy personal information without my consent. On XX/XX/XXXX, after being denied for another bank account, I received aChexSystems report indicating that this institution continuedto report negative information. I again disputed the informationon the basis of fraud I requested any documentation that the bank believed would verify the accuracy of the of the account.As of this date I have not received one document. On XX/XX/XXXX I received a third Chexsystems report after continuing tobe denied for a bank account, except this time denied at a local credit union. This institution continues to report account abuse despite the fact that it is false and is a clear violation ofthe FRCA which requires them to accurately reportinformation, and correct and remove any inaccurate information. The FRCA also requires this institution to verify, with proper documentation, within 30 days. Thereafter should this institution be fail to do same, the inaccurate and negative information must be removed. It is now almost 2 years sincethe date that this was first reported and this institution has notprovided one single document to prove or verify the accuracy of this account. The negative reporting information hasinhibited me from getting a bank account and I am facingsevere financial hardship that is affecting my ability to afford my rent. I did not perform any fraudulent activityrather this institution allowed another individual to open an account withmy information and now is holding me accountable for others wrongdoing. I dont know what else to do to get this false and inaccurate information removed from my report. I have beendisputing this for almost two years. I am desperately seekingyour help as I have exhausted all of my options.
11/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75662	Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
11/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75662	Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
11/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91977	Web
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dispute Department [ XXXX Address ] [ City, State, ZIP Code ] Subject : Dispute of Erroneous Information on Credit Report Dear Sir/Madam , I am writing to formally dispute and request the immediate removal of multiple hard inquiries listed on my credit report. Upon reviewing my credit file, I discovered that these inquiries were made under false pretenses and have significantly impacted my financial well-being. Furthermore, I would like to bring to your attention the inaccurate reporting by XXXX XXXX on my credit report. The company has falsely reported late payments, despite having made payments as per the agreed-upon schedule. I possess documented evidence in the form of email receipts that clearly display the payment dates. In addition to the aforementioned discrepancies, I am deeply concerned about the reinsertion of the XXXX XXXX account on my credit report. Despite providing substantial evidence, including a police report, Social Security details, drivers license, and a fraud report, the credit bureaus have failed to rectify this error. Moreover, the impact of these inaccuracies has been far-reaching. Not only have I experienced repeated denials for credit, but I have also faced denials for insurance coverage, rendering me unable to insure a newly acquired vehicle. This has directly affected my ability to work and maintain a stable living situation, leading to homelessness. I have diligently cooperated by providing extensive information and documentation upon request. However, despite my efforts and compliance, I continue to face this ordeal daily, with ChexSystems unjustly blacklisting me due to the association with the XXXX XXXX account. This unwarranted blacklisting has further hindered my access to financial stability and residence. The toll on my mental health has been severe, considering the distress caused by this situation. Its unacceptable that despite promises to rectify the errors, the credit bureaus continue to neglect my case, leaving me in a precarious and unjust situation. I demand an immediate and conclusive resolution to these matters. Your failure to rectify these errors has perpetuated undue hardships on my life. I require a detailed explanation of the investigative process that fails to identify the discrepancies in account names, which clearly do not correspond to my identity. Enclosed are copies of the evidence and documentation supporting my claims. I implore you to thoroughly review this information and promptly rectify the errors on my credit report. Please acknowledge receipt of this dispute letter and initiate a comprehensive investigation to address these issues with urgency. Your swift action in correcting these errors is imperative to restoring my financial integrity and mental well-being. I earnestly anticipate a swift and definitive resolution to these pressing matters. Sincerely, XXXX XXXX
07/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NM 87124	Web
ChexSystems is currently reporting erroneous information on my ChexSystem report. I have contacted ChexSystems on several occasions via certified mail on XX/XX/2021 & XX/XX/2021 with no resolution. ChexSystems is reporting an account from XXXX XXXX XXXX XXXX showing a balance of {$1500.00}, that I have no knowledge or relation to this supposed debt. ChexSystems has failed to provide me with sufficient verification of this erroneous information that is currently reporting on my ChexSystems file. In my letters to ChexSystem I asked for a procedural request, asking for any proof of this debt and what info they obtained from the source. ChexSystems responded to my first letter stating that the account was verified from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX used a XXXX Drivers License to verify the account opening. This is absolutely % 100 inaccurate as I have never lived in XXXX and I do not have a XXXX Drivers License. I contacted ChexSystems a second time, again requesting verifiable proof of this account that is negatively reporting on my ChexSystem file. ChexSystems responded to my 2nd letter stating that they re-investigated my concern and again stated that XXXX XXXX XXXX XXXX verified the account with a XXXX Drivers License. ChexSystems is obviously just parroting what XXXX XXXX XXXX XXXX is telling them, without conducting a proper investigation. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that ChexSystems disclose to me all of the documents that they have recorded and retained their file at the time of my request concerning the accounts that is reporting in my ChexSystems report. I have also contacted the source ; XXXX XXXX XXXX XXXX via certified mail on XX/XX/2021, with no response to date. I am demanding that ChexSystems removes this erroneous info from my report. This reporting error is causing me extreme financial difficulties while in the process of purchasing a home. Under the Fair Credit Reporting Act, ChexSystems has failed to provide me with my basic rights as a consumer by not conducting a proper investigation of my concern. I find this entire investigation demeaning and disrespectful. As a member of the XXXX community and born of XXXX descent, I was stereotyped and profiled based on my last name XXXX. I am an XXXX born and raised citizen, who is very proud of my country. I was directly insulted by Affinity XXXX XXXX XXXX, stating on 2 separate occasions that this erroneous account was opened with a XXXX Drivers License. It is obvious that this is a reporting error from XXXX XXXX XXXX XXXX, and ChexSystems refuses to remove this inaccurate information from my file. Between this and XXXX XXXX XXXX XXXX ignoring any attempted contact I try to make with them, I have no choice but to reach out to your office for further assistance with this matter. I thank you in advance for you help, and look forward to hearing from you.
07/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94501	Web
I own a small business and had an account with XXXX XXXX for about a year. in XX/XX/XXXX I received a certified letter from " XXXX XXXX XXXX '' from XXXX that on XX/XX/XXXX that my account will be closed and if I dont go in the bank and close it, he will. He did not provide any information as to why, and when I called them they said its their decision and they have decided to terminate our relationship. I own an XXXX company, and on a monthly basis we write about 250 checks to pay our vendors. They issued this letter to us right after we had mailed out our vendor checks. We did our best calling our vendors to tell them to cash their checks as soon as they can to avoid checks being returned. On XX/XX/XXXX, I went into my local branch " XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX and spoke with the manager XXXX XXXX and closed my account. I made sure the account was at a XXXX balance. Couple of months later I get a letter from ChexSystems about being reported to them for unpaid fees. I called ChexSystems and I was told that XXXX reported my business to them for some fees that had posted to my account after when it was closed. The total of the fees was {$520.00}. I researched this and found out that XXXX had tacked on overdraft fees from the time after when I closed my account per their request. I called XXXX to dispute this but they did not want to cooperate with me. By being reported to ChexSystems I no can not open any new accounts with any other banks. I have tried and they say my business needs to be removed before a new account can be opened. On XX/XX/XXXX I then called ChexSystems and just paid the {$520.00}. Although I do not beleive I should pay for it, I still did just to be done with this. So they issue now is that ChexSystems is telling me they can not remove my business from the ChexSystems file, and the removal request has to come from XXXX. So I then called XXXX and told them I need to be removed from XXXX as I paid them their {$520.00}. After being transferred to many different people and departments, I got a hold of someone in " Corporate Quality Process Department '' XXXX and I was told that yes our account shows paid in full, however they will not remove me from ChexSystems. I am writing because I need help from being a victim of bad practice by XXXX XXXX and ChexSystems. Not only I paid the {$520.00} for which I dont believe I should have, Now my business is reported to ChexSystems which is a negative mark and not allowing us to work with any other banks. My company has been in business since XX/XX/XXXX and we have never had any issues. I need help in getting my business removed from ChexSystems, and also I would like a refund for my {$520.00}. My business name is " XXXX XXXX XXXX '' and my DBA is " XXXX XXXX '' Address is XXXX XXXX XXXX XXXX Ca XXXX. I am the owner of the business and my name is XXXX XXXX and my phone number is XXXX
03/22/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	SC 29708	Web
ChexSystems is NOT replying to my claims. The FCRA Section 605B does NOT allow ChexSystems the right to NOT block items on my credit report with them, because ChexSystems " thinks '' that my police report, is LIMITED to the time frames I THOUGHT the ID theft occurred. ChexSystems is NOT blocking ID theft items because they are interpreting the law in their own way. I have provided them copies of the law to show that they are totally incorrect in their interpretation. They feel they have answered my claims when in fact they are lying and avoiding my claims. Section 605b of the fcra does not allow any time frames to be interpreted into the law it only allows for them to block the items I claim as identity theft if I submit an identity theft report. Check systems must block the items within four days of receiving everything that the law requires of me which I have provided them several times. Their refusal to act according to the law is my claim here. They interpret the law differently than the law is written. That is illegal and they are breaking the law by doing this because only Congress can rewrite their laws and only the courts can interpret the laws to have them be valid period check systems does not belong to either one of those entities and so they have to follow the law and not rewrite the law period my claim is because I was a victim of identity theft since the XXXX 's, and when I filed the police report in XXXX I was not aware of the full extent of the identity theft or how long it would last. Section 605b of the fcra does not give time frames or allowances for the credit reporting agencies to interpret the law and say your identity theft claimed items do not fit into your police report. That is what they are wrong and breaking the law. This is what I want them to respond to. The fact they are not reporting XXXX or XXXX or XXXX on their systems anymore is nothing to do with them period I did all the work to get those things removed from my personal information all they had to do was follow up and see that the company did not want to report anymore. They act like they did something when all they did was harm me for over two years with XXXX and XXXX and three months with XXXX period because they reported those items against the law. Please have check systems reply to these claims and not how they 're trying to divert attention from the fact that they are breaking the law and rewriting the law and think their policies are the new law. All I have to provide them is a copy of an identity theft report and then ten years after that report I can say I 'm still a victim of identity theft and that 's identity theft and they have to block that item without question within 4 business days. The fact they 're saying it does n't fit into the police report his where they are lying and breaking the law and they can not reinterpret the law the way they are.
05/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	ID 83705	Web
I tried 3 times online and once by phone to submit a dispute. That alone proves what this company is doing. Chexsystems has put millions in poverty in some form. These agencies are criminal organizations and if you the government support them, we are no longer on the same team as well..please help i am simply trying to remove a closed checking account from XX/XX/XXXX . Their reports they send to the peasant aka consumer give no dates on the account. I want the same report the overlords see and that should be a law. Anyways my dispute response is below but they never even accepted the complaint. People of this country need someone on their team before the inevitable happens..This is why the brave Americans got wild eyed and Did somthing taught in US History class.. XXXX XXXX XXXX XXXX ... Americans are American because they do n't stand for suppression and this does not represent how we treat citizens and these agencies need to change immediately. Dispute response below : This account is ov er 5 yrs o ld..there is no date mentioned on the actual listed item ( I got the peasant copy of this report ) in regards to XXXX XXXX XXXX . I will also cross report this dispute with the FTC because I personally do not trust anything that involves the company CHEXSYSTEMS. I have also have reason to believe that other data regarding myself is not shown to me on my report but is being shown to the overlords who use this fraudulent anti-middle class company ... The rich are better than ever since year XX/XX/XXXX . The year these banks buying this companies evil info happened to do the same thing i did, but on a tad higher scale..doubt those guys show up in chexsystems because my portion of Taxes helped bail these banks from the brink of collapse. I was told to pound sand. Wonder why other people never recovered like the banks? I do not know the date when i lost my job and everything I own including this checking account listed but to my best knowledge this account is old enough to remove ... have a great day guys keep up the awesome work.look around outside your country club.people are hurting, there is no middle class, and for-profit companies like yourself are one of the biggest direct causes for this. I also hope you guys over at chexsystems believe in Karma, because your next life will most definitely be a reflection of this ... XXXX . -- - XXXX XXXX XXXX The following statemen t may or may n ot represent me personally but represents the opinion of millions of people that have had their life/dreams/happiness stolen because of this company. The y may als o believe this company is one major factors in the decline of the middle class. These millions of people told me to tell you the following : " XXXX XXXX XXXX '' This statement is my American duty as a citizen for the people & by the people. NOT THE CORPORATION
12/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 32177	Web
Dear Sir or Madam : I have sent numerous Certified letters to you ( copies of return receipts enclosed ), requesting that you remove inaccurate information on my Credit Report and you have failed to do so. Accordingly, I can show a judge the above aforementioned account 's are inaccurate and that you have willfully violated 15 U.S. Code 1681i : ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. Be advised that unless this matter is settled to my satisfaction within XXXX days of your receipt of this letter, I will file suite in XXXX Country Small Claims Court , asking for damages in the amount of {$1000.00}, plus court costs. Attached is the Complaint I will file unless I hear from you shortly. Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining careful records of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. In addishon u must send me a form that bares my sigenutre on this situation of all debt you calme or you are reporting that bares my sigenture if you fail to do so i will take you guys to court
08/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30350	Web
I am a victim of identity theft. I have sent several certified letters over to your company to only get no response and ignored. As a consumer i feel that my rights were violated which i will state several violations.I will file a petition in small claims court for Defamation, Violation of the Fair Credit Reporting Act, and Negligent Enablement of Identity Theft. The Chex System has ruin my life and put me in great pain, In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater : ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ( c ) Attorneys fees. Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Attorneys fees. On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
07/10/2015	Yes	Bank account or service Other bank product/service	Using a debit or ATM card	MN 56560	Web
I have a debit card from XXXX expiring in XXXX 2016. XXXX transfers funds to the account in exchange for XXXX. My account has been closed even though a positive balance remains, so I can not access the funds. In the meantime, I am being penalized $ XXXX for inactivity. I have called the customer service number on the back of the card ( XXXX-apparently a foreign call center, possibly XXXX ) in XX/XX/XXXX and XX/XX/XXXX, each time being told to call back in " 3-5 business days '' when there has been a resolution. I have also called the Cardholder Services number on my last saved statement ( XXXX ) which is a number no longer in use. ( see attached document ). I have also emailed a customer service agent ( XXXXXXXXXXXX ) and been told to call the customer service number again. I inquired with the agent about receiving a check to close the account to which the reply was " This card program does not offer check refunds. You will need to use the remaining balance off the card. The XXXX XXXX XXXX can be used anywhere that XXXX is accepted worldwide. '' But the problem is that I can not access the funds because the account has been closed ( I can not access funds from an ATM ). Yesterday, I tried to log in to my account online and my access has been cut off. Today I tried to login again and the website now says " Temporarily Unavailable. We are temporarily unable to process your request. Please try again later, or call Customer Service if you require immediate assistance. " Since there is a XXXX XXXX logo on the card, I called XXXX member services and they claim that they are not affiliated with the card and can not help. They suggested I call XXXX XXXX XXXX, which I did, but they are not effectively able to reach anyone who can help either. I researched the email address from the agent ( XXXXXXXXXXXX ) and located a XXXX Corporate Headquarters*, XXXX XXXX XXXX XXXX XXXX , Florida XXXX, Phone : XXXX, Fax : XXXX ( XXXX ). Conveniently, the XXXX website " Contact Us '' link is not functioning ( XXXX ). I called that number today and through an automated cue asked for XXXX XXXX XXXX, who I found online as the XXXX legal counsel. A secretary answered and after a brief polite explanation of my issue was forwarded to XXXX XXXX. There was no answer so I left a message. I am extremely distraught at my treatment and inability to access the funds in my account as well as being continually penalized for not taking the funds out. I have now wasted 5-8 hours of time trying to chase down someone who can help me. I assume that there are others out there having similar difficulties but who do n't have the resources, time, or persistence to search for a resolution. If the company brushes all of us off long enough, they will eventually assess fees to make the accounts go to XXXX. Would this constitute a class action lawsuit situation?
08/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	KS 67114	Web	Older American
On XX/XX/XXXX I wrote a check to XXXX XXXX in XXXX, Kansas. The clerk informed me that my check had been declined. I subsequently paid with my debit card. I immediately went to my local bank to verify sufficient funds were in my account. The bank manager called XXXX XXXX and got the number for XXXX XXXX XXXX, the company responsible for declining my check. The manager placed a phone call to Certegy to explain that I had more than sufficient funds to cover the check I had written to XXXX XXXX. Certegys employee ultimately hung up on the bank manager during their conversation. I did not know anything about Certegy at that time so I did not take further action. Fast forward to XX/XX/XXXX. I wrote a check to XXXX department store in XXXX, Kansas and was informed that my check had been declined by XXXX XXXX XXXX. I immediately phoned Certegys automated system but it offered absolutely no reason for declining my check. Since XX/XX/XXXX I have written several letters to Certegy trying to resolve this issue. By certified mail I have sent Certegy a copy of each declined check as well as a photocopy of my drivers license, my social security number and copies of my bank statements showing an account balance much more than sufficient on the day each of the declined checks were written. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX advising me that there were no returned checks on their file but my checks fell outside their approval guidelines. My complaint is this : XXXX XXXX XXXX is literally holding me hostage. I understand that their company represents many, many retail establishments throughout the US. Certegys computer algorithms are set to decline checks according to their predetermined criteria but Certegy will not reveal to me what I am doing that is causing them to decline my checks. So, now I can not write a check to any company they represent for fear that it will be declined by their company and I will face additional extreme embarrassment each time that happens. I only write about 3 or 4 checks each month. One to my credit card account, one to XXXX XXXX, one to my hairdresser and lately to my dentist. I realize that check writing is not used much these days but there are occasions when it is more convenient for me to write a check as opposed to using my debit or credit card. With Certegy declining any check I write I am helplessly under their control. Their letter gave a phone number to talk to one of their representatives but it was fully automated and could not handle a complaint over 2 weeks old. Again, I am their hostage. How can they do this to people? I understand that Certegy has a program called VIP where you can enroll, pay a fee and perhaps avoid declined checks. For many years the Mafia had a similar protection program in XXXX and XXXX XXXX : Pay a fee and you are protected. Such a deal.
09/29/2015	Yes	Credit reporting	Credit reporting company's investigation No notice of investigation status/result	WV 257XX	Web	Older American, Servicemember
I would like to file a REPORT OR CLAIM, with : CHEX SYSTEMS. I ask them to tell me WHAT, THE ''LEIN '' was, & for what? They ask me to file ANOTHER FRAUD request. Despite me ASKING them to give me FROM WHOM & WHAT WAS THIS ABOUT ... ( NOT ONCE BUT XXXX NOW ) ; CHEX SYSTEMS DID ''NOT '' TELL ME WHAT THIS IS ABOUT? I do n't know what this is. They gave me a score of XXXX ... & I was DENIED to be added onto my wife 's Savings Account, for ''XXXX '', last month. IF THIS WAS ABOUT .... ( THE PARKING FEE FROM : XXXX XXXX, ... .THAT WAS MOVED TO : SMALL CLAIMS COURT ... ( CASE # : XXXX ), THAT WAS FILED BY : XXXX XXXX. XXXX XXXX ... ( XXXX XXXX POLICEMAN ) ... .CFPB ... Case number : XXXX ... ... ( BELOW ), RESPONSE FROM : XXXX. StatusCompany responded .... ( BLEOW ) : XXXX, XXXX .... ( XXXX, XXXX, XXXX XXXX ) said : Explanation of closureThank you for submitting your complaint on XXXX XXXX, 2015, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicate you moved out of country and stayed there for almost 5 years and never used your credit during that time. You further indicate that when you arrived back to the states you tried to get bank loans and were surprised to find out you were being turned down for credit. You are disputing XXXX collection account that is for a cell phone. You state that is inaccurate as you were out of the country at the time the cell phone was purchased. You further state you paid it off anyway because they told you the email address they had was for your daughter. You also indicate there is a judgment on your report for a car that your daughter was using. You state you instructed her to pick the car up and she told you she did. Then you received a call to find out the car was abandoned at the airport. You told them to auction the car and pay off the balance and parking fees. You are requesting that the XXXX disputed items be removed from your report. You also state you have many addresses, names and SSN 's on your report but you did not specify which ones it is that you are disputing. The first collection item you mentioned did not appear on your current credit report. At your request to conduct an investigation, we contacted the public record vendor to verify the accuracy of the information with which you disagree. They responded and verified the disputed information was accurate as reported, however the judgment was changed from a civil claim to a " small claim ''. The result summary was sent to you for review on XXXX XXXX, 2015. If you have any additional supporting new documentation regarding the disputed information, you may forward that to XXXX for further review.
04/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	GA 30312	Web
I am becoming more and more frustrated with your company. Upon finding these errors being reported on my credit report I have taken the necessary steps in order to inform you all of the errors. Nevertheless you all are not doing your part to resolve my issues. My family and I are becoming very impatient. My attorney told me to send this letter in order to alert you all of these errors before taking legal action. I am a person that goes to work everyday in order to make sure my family have equal opportunities just like everyone else. I am a consumer that refuses to be a victim of harassment or abuse. According to 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. Reporting false information on someone's credit report is detrimental to a consumer 's reputation. Sending letters an a attempt to collect debt from a consumer who debts do not belong to is also a form of harassment which is another violation of 15 USC 162d 1. ( 1 ) Constantly sending mail that has symbols of a debt collector on the outside of letter is a violation of the use or THREAT OF VIOLENCE or other criminal means to harm the physical person, reputation, or property of any person ; is an violation of the Fair Debt Collection Practice Act. Also according to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the XXXX Data Breach. According to 15 USC 1692g a consumer has the right to request validation of a debt. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If these accounts are not validated within 30 days, I will take legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and DEFAMATION OF CHARACTER! Also, during the validation period i any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
04/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 18966	Web
Reason CodeDescription1.XXXX XXXX XXXX INQUIRY ACTIVITY2.XXXX XXXX XXXX INQUIRY ACTIVITY SAME FI Event ID Type Source XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXXXXXX XXXX XXXX Inquiries Viewed by Others XXXXXXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX Event ID Type Source XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX Event ID Type Source XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX Event ID Type Source XXXX Inquiries Viewed by Others XXXXXXXX XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX Event ID Type Source XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX Event ID Type Source XXXX Inquiries Viewed Only by You XXXX XXXX XXXX Inquiries Viewed Only by You XXXX XXXX Event ID Type Source XXXX Inquiries Viewed by Others XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXXXXXX XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX XXXX Event ID Type Source XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed Only by You XXXX XXXX XXXX Inquiries Viewed Only by You XXXX XXXX XXXXXXXX Inquiries Viewed Only by You XXXX XXXX XXXXXXXX Inquiries Viewed Only by You XXXX XXXX Event ID Type Source XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX Inquiries Viewed by Others XXXXXXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX Event ID Type Source XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXXXXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXXXXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX Event ID Type Source XXXX Inquiries Viewed by Others XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXXXXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXXXXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX XXXX
05/12/2018	Yes	Money transfer, virtual currency, or money service Check cashing service	Confusing or missing disclosures	NE 681XX	Web
XX/XX/XXXX- For years I have cashed my Social Security XXXX check at XXXX at XXXX & XXXX , XXXX , XXXX. The clerk advised their system has declined my check but could not give reason why? XX/XX/XXXX- Contacted Social Security Office XXXX , advised rep my check has been declined and is my check valid to cash? Rep advised my check is fine but they have no idea why it would be declined! XX/XX/XXXX- Tried new venue, just in case XXXX XXXX check system was broken. XXXX 's XXXX on XXXX & XXXX, XXXX NE. Clerk advised my check was declined but this time given receipt to call company Certegy Check Services Inc.. XXXX. XXXX XXXX, XXXX, XXXX, XXXX and clerk advised company will fix my problem. XX/XX/XXXX- Telephoned Certegy Check Services but was only automated and required my SSN #, Driver 's license #, address, and confirm my phone number. No option to ask what this company is and became scared and hung-up! XX/XX/XXXX- Went back to XXXX in XXXX again to request reason why my check declined, so clerk processed check and system declined check. Clerk could not give any information but this time given receipt to Certegy Check Services at XXXX. Looked up company on internet and got a telephone # of XXXX, Got thru to rep and had to give my driver 's license #, social security #, address and transaction # and banking routing number and check number. Rep found my transaction and began tell me the company uses several factors to advise merchants on transactions on what checks to honor or cash. My transaction is considered a High RISK FACTOR! I advised rep my check is a Social Security XXXX check and why is it a risk factor it is a government check. Rep could give reason for that is not job and that all the information she could give me, Requested from Certegy Card Services to send formal letter to my home explaining everything she just told me. Rep took my address and said she will send letter. Also requested any information given by me will not be given to any other company or used for any other company. Rep said that Certegy Card Services do not give information to any other company. Also requested reference number for this call gave caller ID # of XXXX. Also asked several times that this call is being recorded to make sure my information will not be given or sold. Rep verified call being recorded and will send my formal letter. XX/XX/XXXX Called Social Security XXXX Office and asked again is my check good! Told my check is fine. XX/XX/XXXX Call U.S. Treasury XXXX, To verify my check is good and to verify my waiver to receive check still valid. Everything is fine. XX/XX/XXXX- Have no money for my XXXX and I. I am becoming overwhelmed with stress and can not pay my rent, bills or get food. My health is becoming XX/XX/XXXX XXXX and causing undue hardship in my household. I need help as soon as Possible.
08/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75082	Web
ChexSystems continues to list fraudulent inquiries on my Consumer ChexSystems report that I have already notified ChexSystems were fraud. These inquiries did not start appearing until my wallet was stolen. Inside my wallet was my social security card, drivers license and even my email address. I did notify the police of this theft, and also created an FTC Identity Theft Affidavit which all consumer credit bureaus have as well as ChexSystems on file. Per the FCRA if you are victim of identity theft, and you present a identity theft affidavit to the consumer reporting company explaining the theft and they refuse to do clear any of the information you notified them of fraud. Then the company is knowingly allowing fraudulent information to be placed on my Consumer report. Let me list out some of the things ChexSystems has refused to block. 1. Illegal Address reported by ChexSystems - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I have never lived at this address ever, and this has been listed on my FTC Affidavit. 2. Illegal Address reported by ChexSystems - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. 3. Illegal Inquiries that ChexSystems continues to allow and actually place on my consumer report themselves. The company continues to violate the protection laws put in place to protect victims of identity theft. Per the CFPB if you are victim of Fraud and you notify the company of this illegal activity and the company refuses to block such fraudulent information you can then proceed to arbitration. I will be pursuing an attorney to then contact ChexSystems. 4. Illegal Inquiries - XXXX, XXXX XXXX - I have reached out to XXXX XXXX, and actually had XXXX block XXXX XXXX Inquiries on My XXXX Credit report. Therefore XXXX XXXX has been notified that I did not allow or authorize XXXX XXXX to access my ChexSystems Report ever. This is again fraudulent. 5. I do not have to legally have any law enforcement officer sign anything as I have already reported the crime to the law enforcement agency. FTC is a government agency which reports the theft and crime network for law enforcement officers. Additionally ChexSystem has allowed XXXX XXXX to inquiry and XXXX XXXX XXXX, They allowed XXXX XXXX XXXX to inquiry three times, They allowed XXXX XXXX Inquiry to go through even after stating they blocked this inquiry. They allowed XXXX XXXX XXXX, which they stated they removed, they allowed XXXX at least 15 times, They have allowed XXXX XXXX, XXXX XXXX XXXX. I did not authorize any of these inquiries these are fraudulent as a result of my wallet being stolen. I already reported this as identity theft, I have already placed a security freeze on my report. Please place a fraud alert and block this information immediately. I am forwarding this to XXXX XXXX as well for follow up.
01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33068	Web
I am writing to express my grave concern and dissatisfaction regarding the unresolved dispute surrounding the accounts associated with XXXX XXXX XXXX XXXX reporting on my report twice. Despite having disputed these accounts twice and having sent debt validation letters, it has been over 30 days, and I have not received any confirmation letters regarding completed and signed documentation bearing my signature for these listed accounts. This failure to comply with the Fair Credit Reporting Act ( FCRA ) is a clear violation of my rights. I want to draw your attention to the specific sections of the FCRA that are pertinent to this dispute : 1. 15 U.S.C 1681 : This section outlines the general provisions of the FCRA XXXX emphasizing the accuracy and fairness of consumer reporting. 2. 15 U.S.C 1681a ( f ) : This section defines the responsibilities of consumer reporting agencies in maintaining the accuracy of information. 3. 15 U.S.C 1681a ( d ) : This section establishes the obligations of consumer reporting agencies to provide consumers with information in their files upon request. 4. 15 U.S.C 1681b : This section outlines the permissible purposes for which consumer reports may be furnished. 5. 15 U.S.C 1681g : This section stipulates the procedures for consumers to dispute and obtain verification of information in their credit reports. In accordance with the FCRA, I requested the following information related to the disputed accounts : 1. Full bank account statement/statements from the original creditor. 2. Proof that I own this debt/Proof of debt assignment. 3. The name and address of the original furnisher/debt collector. 4. The original contract from the original creditor with my SIGNATURE on it. These requests were not arbitrary but are in line with my rights under the FCRA, specifically sections 15 U.S.C 1681a ( f ), 15 U.S.C 1681a ( d ), 15 U.S.C 1681b, and 15 U.S.C 1681g. Additionally, I want to highlight that collection efforts on these accounts have not ceased, further compounding the violations. I wish to emphasize that I did not request a generic statement merely stating that these items are verified. I explicitly sought undeniable, irrefutable PROOF that the alleged accounts are verified, validated, and accurate. The failure to provide this documentation is a violation of the FCRA. I demand immediate action to remove the XXXX XXXX XXXX XXXX accounts from my credit report within three days of receiving this letter. Failure to comply with this demand will leave me no choice but to pursue legal action to enforce my rights under the FCRA. All correspondence related to this matter should be directed to the address provided above. I expect written confirmation of the removal of the mentioned accounts within the specified timeframe.
06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78240	Web
I am writing to express my grave concern regarding the erroneous information that your organization has reported on my consumer report. I categorically state that I have never applied for any credit with your institution, and therefore, any information reported by you is not only incorrect but also misleading. According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ), I am entitled to dispute the accuracy or completeness of any information in my file. Moreover, Section 609 ( a ) ( 1 ) of the FCRA mandates that upon request, a consumer reporting agency must disclose all information in the consumer 's file at the time of the request, including the sources of the information. I have not received any such original application or source of information from you, which is a clear violation of my rights under the FCRA. Furthermore, your practices appear to be deceptive and in direct violation of the FCRA. Section 623 ( a ) ( 1 ) ( B ) of the FCRA explicitly states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. In addition to the FCRA, the XXXX XXXX Compliance guidelines, established by the XXXX XXXX XXXX XXXX ( XXXX ), require that all data furnishers report complete and accurate consumer information. Any failure to comply with these guidelines is a violation of the consumer 's rights. I would also like to highlight the unprofessional conduct of your representatives who dismissed my concerns and hung up on me during my attempt to resolve this issue. This is a clear violation of Section 623 ( a ) ( 5 ) of the FCRA, which mandates that a person who furnishes information to a consumer reporting agency shall promptly notify the agency if the information is found to be incomplete or inaccurate. Finally, it is important to note that even if XXXX XXXX has my signature stating its okay, they have still violated the law by paying Chex Systems for the information. This is in violation of Section 615 ( f ) of the FCRA, which states that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. I demand that you conduct a thorough investigation into these matters and remove any inaccurate information from my consumer report immediately. I also expect you to provide me with documentation that you have complied with my request or a detailed explanation for your non-compliance. I trust that you will treat this matter with the urgency and seriousness it deserves. Failure to do so will leave me with no option but to seek legal remedies. Sincerely, XXXX XXXX
06/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 322XX	Web
CHEXSYSTEMS ATTN : CONSUMER RELATIONS XXXX XXXX XXXX. XXXX XXXX XXXX, MN. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Fl. XXXX CONSUMER ID : XXXX RE : XXXX XXXXXXXX XXXX RE : XXXX XXXX RE : PREVIOUS DISPUTE LETTER RE:3RD CORRESPONDENCE FAILURE TO COMPLY Dear Sir/Ma'am, DELETE ACCOUNTS FOR FAILURE TO PROVIDE ALL REQUESTED DOCUMENTATION AFTER SUPPOSED VERIFIED RESULTS I XXXX XXXX/Consumer to ChexSystems in response to your continued VIOLATIONS to my request for PROOF of your agency verifying the above accounts. This is my 3rd and FINAL attempt to have this issue resolved with your agency. I am demanding your agency permanently remove/delete the above items for failure to provide proof of your re-investigation. As you continue to violate my Consumer Rights by ignoring all requests listed here as well as requests in previous correspondence. CHEXSYSTEMS IS MISREPRESENTING MY CHARACTER FOR MONETARY GAIN BY COMPILING INFORMATION AND SELLING IT TO YOUR CLIENTS, VENDORS, STAKEHOLDERS, AND/OR, ANY FINANCIAL INSTITUTIONS. CHEXSYSTEMS PAID PROCESS IS AFFECTING MY LIFESTYLE, MY FAMILY, MY PRIVACY, MY HOUSEHOLD, AND MY BUSINESS. WHAT IS CHEXSYSTEM MONETARY GAIN FROM COMPILING, SELLING, STORING, AND RETRIEVING ANY/ALL OF MY INFORMATION IN THEIR SYSTEM? HOW MUCH IS MY CONSUMER PROFILE WORTH ON YOUR SYSTEMS? I PREVIOUSLY requested CHEXSYSTEMS FULL BACKGROUND INCLUDING ALL KEY COMPONENTS, MAESTRO FORMS, QUALIFIED, and COMPONENT, OFAC, IDV PASS/FAIL DETERMINATIONS AND PROCEDURES USED, DATA TRANSFERRING SYSTEMS, CLEAR DEFINITIONS OF YOUR CATEGORIES AND HOW YOUR CLIENTS CHOOSE BETWEEN THOSE CATEGORIES. I REQUESTED ORIGINAL BANKING CONTRACTS, CANCELED CHECKS, AND SIGNATURE CARDS FOR BOTH ACCOUNTS YOU ONLY SENT 1 SIGNATURE CARD, YET REPORT TWO ACCOUNTS, NAME, ADDRESS, PHONE NUMBER, AND TITLE OF PERSON CONTACTED AT EACH FINANCIAL INSTITUTION. I AM NOT REQUESTING YOU RE-INVESTIGATE ALL YOU CONTINUE TO SEND ME ARE BANK STATEMENTS. THIS IS NO LONGER A DISPUTE ABOUT IF THE ACCOUNTS ARE MINE OR NOT AT THIS POINT. CHEXSYSTEMS HAS LOST THE PRIVILEGE TO DELETE THE ABOVE ACCOUNTS. CHEXSYSTEM IS IN VIOLATION OF MY RIGHTS AS A CONSUMER Your continued silence is unacceptable. 15 USC 1681n - Civil Liability for Willful Noncompliance - Commerce and Trade 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 USC 1681i - Procedure in Case of Disputed Accuracy FCRA 611 ( ( a ) THIS IS NOT A REQUEST FOR A 3RD RE-INVESTIGATION AS YOUR AGENCY HAS LOST THAT PRIVILEGE. CHEXSYSTEMS REFUSES TO SEND ME THEIR METHOD OF VERIFICATION AFTER A SECOND RE-INVESTIGATION I DID NOT ASK FOR A SECOND RE-INVESTIGATION. I ASKED FOR A PERMANENT REMOVAL/DELETION OF BOTH ACCOUNTS DUE TO THEIR FAILURE TO PROVIDE THE REQUESTED INFORMATION MOV AND FILES/DATA FORMS SHARING THROUGHOUT THEIR SYSTEM.
07/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	MO 63122	Web
As a XXXX XXXX, I am eager to establish a savings account for my XXXX child with a credit union. However, I have been denied this opportunity by an institution due to negative information present on my ChexSystems report. Upon reviewing the report, I have discovered an account and inquiries that were opened without my knowledge or authorization. This fraudulent information is reflecting on my report as a result of identity theft and needs to be removed immediately. The fraudulent account on my consumer report is with XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, MO XXXX. I am certain that this account is not of my doing as it contains erroneous information, such as an incorrect spelling of my middle name and an inaccurate version of my current address associated with it. Furthermore, I did not open an account with XXXX XXXX XXXX, making this activity not only fraudulent but also completely unauthorized. The discrepancy between my accurate identification documents and the reported information is evident, and it is IMPERATIVE that you conduct a thorough review to rectify this matter. I have also identified XXXX unauthorized inquiries being reflected on my ChexSystems consumer report as a result of identity theft. The details of these inquiries are as follows : Inquiry : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Inquiry Date : XX/XX/XXXX Address Provided : XXXX XXXX XXXX XXXX , XXXX XXXX , MO XXXX XXXX : XXXX, Texas Address : XXXX XXXX XXXX, XXXX XXXX , TX XXXX XXXX Date : XX/XX/XXXX Address Provided : XXXX XXXX XXXX XXXX , XXXX XXXX, MO XXXX Inquiry : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Inquiry Date : XX/XX/XXXX XXXX Provided : XXXX XXXX XXXX XXXX , XXXX, MO XXXX I can assure you that I have never resided at any of the addresses provided in these inquiries. It is evident that this information is fraudulent, frivolous, and inaccurate, and I urgently request its removal from my ChexSystems report. In light of the above discrepancies and identity theft involved, I hereby request that you provide me with all relevant documentation related to the opening of the XXXX XXXX XXXX account, including any signed contracts or agreements, and any information associated with the abuse of the account and my personal information. Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), I have attached a copy of my FTC identity theft report, my identification documents ( driver 's license, social security card ), and my most recent utility bill, which reflects my address. I kindly request that you investigate this matter promptly and thoroughly. Thank you for your prompt attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism.
03/04/2018	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	FL 335XX	Web	Servicemember
XXXX is an on-line bill payment service operated by Quicken Loans and provided by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX. ( XXXX ) a unit of Fidelity National Information Services. XXXX is in violation of 15 U.S. Code 45 and other federal and state consumer protection laws. ( a ) Declaration of unlawfulness ; power to prohibit unfair practices ; inapplicability to foreign trade ( 1 ) Unfair methods of competition in or affecting commerce, and unfair or deceptive acts or practices in or affecting commerce, are hereby declared unlawful. XXXX is engaging in a deceptive, ongoing, widespread, and systematic attempt to defraud consumers, via automatic checking account withdrawal, for monthly fees for unused services which have been previously cancelled. XXXX creates a costly and unreasonable administrative burden on the consumer to cancel a bill-pay subscription and unconscionably and unfairly relies on the extraordinarily high cost of compliance with their cancellation policy in relation to the correspondingly small amount of their monthly fee to effectively bar subscribers from cancelling their subscription. Between XX/XX/XXXXand XX/XX/XXXX ( 12 years ) I was charged {$10.00} per month ( as much as {$1500.00} ) for an on-line bill pay subscription I did not use, and for which I still seem to be unable to cancel. I had a XXXX account since the year XX/XX/XXXX. XXXX, through XXXX, charges XXXX per month which is deducted from my checking account for bill paying service. I have not used the service, other than to pay an ACH deduction to XXXX for fees, since approximately XXXX ( and probably before then ). I have attempted to cancel my account multiple times since. I am still getting charges deducted from my bank account for this service. The last attempt to cancel the service occurred on XX/XX/XXXX I have an email from XXXX support stating that they would deactivate the account. Subsequently, on XX/XX/XXXX I received an email stating that they are going to debit my checking account for a service fee on XX/XX/XXXX. Multiple calls to the offshore customer service center ( XXXX ) did not resolve the problem. This has been an ongoing issue for years due to the relatively small amount of the monthly service fee vs the time and money it cost to fully resolve. XXXX XXXX XXXX XXXX, through its subsidiary, XXXX XXXX, provided financial technology services, software and financial services regulatory advice and consulting to its customers, consisting primarily of small to large sized financial institutions. The {$1.00} XXXX organization was headquartered in XXXX, Wisconsin, and employed over XXXX employees in 35 U.S. cities. On XX/XX/XXXX, XXXX was acquired by Fidelity National Information Services.
10/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92009	Web
Hello I have filed this complaint before but no response .I have been calling XXXX XXXX XXXX for over two weeks now and not one person has been able to help they just connect me to different people. A few times they even acknowledge there an issue on the report but say we dont have access and cant do anything. Nobody has access to correct a report which is inaccurate Who Can help? I am in a bad situation here because of this report.XXXX claims account was closed due to fraud which is inaccurate it was closed because of a negative balance and i paid it off in full why are reporting it as fraud? As a consumer you are diminishing my rights and causing me many issues Resolve this right away This is not right I have filed a complain before. Been contacting XXXX XXXX XXXX for over two weeks. As explained to them I was overseas for a one month trip but unfortunately due to XXXX returned after 3 months. Called XXXX XXXX XXXX and they notified me my balance was negative ( {$280.00} ) .I paid off the amount in full and confirmed with the banker on a recorded line that all is good, nothing on file and nothing will be reported, which the banker confirmed and even told me he can connect me to another person and open a bank account. At the time I did not need one and moved on.3 weeks ago I tried to open an account and was told there is a report on Chex systems XXXXI requested the report and in it XXXX XXXX XXXX has put a remark that this account was XXXX XXXX and due to fraudulent activity it was closed. Called XXXX XXXX XXXX over 10 times, they just connect me to different departments and in some cases i have dealt with very rude and unprofessional people specifically there fraud prevention team. The fraud team tell me I have balance due which I absolutely do not and on the file attached I even got verification from XXXX XXXX XXXX. The collections team says your balance is XXXX but the fraud team has to remove the report from Chex system. Again the fraud team simply says no and you have to wait for XXXX years for it to be automatically removed. ( What are they thinking ) I am professional who works in the XXXX XXXX XXXX and my salary is in the mid XXXX digits why would I commit fraud for {$280.00} WHY? Then they tell me I must sent proof, Proof of what? That I didn't commit fraud? You are accusing me of that you send me proof? This is my last follow up I have consulted my lawyer and will follow up with a lawsuit by next month if not resolved. Currently I can not open a business account due to this issue and loosing money and its nota small amount Please follow up right away and remove all reports from Chex system or anywhere else you are reporting this inaccurate information LETTER ATTACHED
05/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX XXXXX	Web
Chexsystem 's refuses to accept my FTC Report from the Federal Trade Commission, which is proof of identity theft as a source of documentation to remove the inaccurately reported checking account information which XXXX also advised me they purposely are reporting it inaccurately. The Checking account lists that there were " Account Abuse ''. Per the credit union, they reported this information after closing the checking account even though the account was current at the time of closure. The accounts were never abused per the credit union, one dispute was filed for transactions that occurred online as a result of identity theft. These transactions were for a online streaming service called XXXX. Per the credit union, they closed this checking account due to this dispute. At that time they negatively withdrew the charges twice, and then charged a fee. They never notified me " The Consumer '' about any of these charges, nor disputes nor ever provided any information on any of this. It was months later when i had to actually walk into a branch and ask them if they knew anything about the ChexSystems report. They said they weren't sure as they show the checking account current and closed and are not sure what happened. They called their management which again told them they did not report any information to chexsystems. Upon speaking to XXXX further, they are advising me they are reporting this information as inaccurate even though i have reported identity theft. They are reporting this because they say since the credit card accounts were " Charged off '' that automatically shows account abuse and they will report it for every account they have in their institution. Even though it isn't true. XXXX continually unblocked and blocked my online access for many months this occurred. Not only do they report this information inaccurately they show addresses i have never lived at including XXXX XXXX XXXX XXXX TX XXXX. Furthermore i reviewed the Fair and Accurate Credit Transactions Act chexsystems previously mentioned in that report this is mentioned " Notify law enforcement ; or Determine that no response is warranted under the circumstance. '' Under these circumstances since XXXX verified that they reported the inaccurate information on purpose to me and the NCUA. This information should be blocked from my file immediately. I as a consumer have a right to determine if law enforcement is warranted. They openly admitted to reporting inaccurate information. Therefore under the FCRA, I am submitting to you a statement of identity theft from the Federal Trade Commission which is put in place to protect consumers against identity theft and to have this inaccurate information blocked immediately.
11/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38118	Web	Servicemember
I have 12 inquiries on my ChexSystems report, 10 of which I did not initiate. I have sent letters out at least 3 times, disputing these unauthorized inquiries. Some inquiries were deleted, while others remain. I do not have any accounts related to these 10 inquiries, and I have not been sent any proof that I initiated these inquiries, only that the companies associated with the inquiries " say '' that it's true. I will list the supposed date of these inquires, along with dispute letters, and certified letter receipts, along with the tracking numbers. I demand that these unauthorized inquiries be deleted or I will have to escalate the matter. Thank you. Inquirer # 1 : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, MD 20895Phone Number : XXXX Inquiry Date : XXXX Inquirer # 2 : XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXXPhone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Inquirer # 3 : XXXX XXXX XXXX XXXX. ; XXXX XXXX XXXX XXXX, XXXX, PA XXXXPhone Number : XXXX Inquiry Date : XX/XX/XXXX Inquirer # 4 : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Inquirer # 5 : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, PA XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX Inquirer # 6 : XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, VA XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Inquirer # 7 : XXXX XXXX XXXX XXXX. ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Inquirer # 8 : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone Number : XXXX - On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, OK XXXXPhone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Inquirer # 9 : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXPhone Number : XXXX On Behalf Of : XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, IL XXXXPhone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Inquirer # 10 : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX, XXXX XXXX, TX XXXXPhone Number : XXXX On Behalf Of : XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, IL XXXXPhone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX. These 10 inquiries do not belong to me at all. The only 2 that are mine are the 2 that are both from XXXX XXXX XXXX, and I have the account ( s ) to prove the link. Please delete the other 10 because they are hurting my ChexSystems credit profile and score. I will take legal action if they are not deleted. Thank you. XXXX XXXX These are tracking numbers for 2 of 3 letters sent to ChexSystems.
06/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 34472	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Regarding Chex Systems ' Failure to Provide Contract and Documentation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chex Systems , Inc. regarding their failure to provide me with the necessary contract and documentation pertaining to a XXXX XXXXXXXX account that is being reported on my Chex Systems report. This issue involves an alleged incident of non-sufficient funds associated with the mentioned account. Despite my repeated requests to Chex Systems to provide me with a copy of the contract I signed with the bank and documentation supporting the reported insufficient funds, they have failed to comply with my request within a reasonable timeframe. This lack of cooperation is concerning and raises questions about the accuracy and validity of the reported incident. I believe that Chex Systems ' refusal to provide me with the requested information is a violation of my rights as a consumer. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to access complete and accurate information regarding their reported accounts. It is also within their rights to dispute any inaccuracies or incomplete information. Chex Systems ' failure to fulfill these obligations is unacceptable. According to Fair Credit Reporting Act, I may be entitled to seek damages of {$1000.00} for each violation committed. I am seeking assistance from the Consumer Financial Protection Bureau to address this issue and ensure that my consumer rights are protected. I kindly request your intervention in compelling Chex Systems to provide me with the requested contract and documentation in a timely manner. Their continued non-compliance should be met with appropriate actions to ensure accountability. I have attached a copy of my correspondence with Chex Systems, including the letter requesting the contract and documentation. I kindly request that you review these materials as part of your investigation into this matter. If necessary, I am willing to provide any additional information or documentation to support my case. I appreciate the Consumer Financial Protection Bureau 's dedication to safeguarding consumer rights and enforcing compliance within the financial industry. I trust that your intervention will lead to a satisfactory resolution of this matter. Thank you for your attention to this complaint. I look forward to a prompt and fair resolution. Sincerely, XXXX XXXX Attachments : Letter to Chex Systems requesting contract and documentation. ID Docs
02/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07103	Web
PRE ARBITRATION NOTICE I XXXX XXXX, A federally protected consumer here by put Your company on a final notice of violation of FCRA for failing the requirement of the law by furnishing inaccurate information on my credit report. This account was due to identity theft and i did not commit any fraud, you have failed to remove this account after receiving several notices via mail and telephone communication. You have also fialed the requirement of the law by providing Your company is in violation of 1. 15 U.S. Code 1681ba ( 2 ) - Permissible purposes of consumer reports 2 ) In accordance with the written instructions of the consumer to whom it relates. 2. Consumer Report and Information Sharing Section 603 ( d ) ; 15 U.S.C. 1681a ( d ) consumer report does not include : 1. A report containing information solely as to transactions or experiences between the consumer and the person making the report. XXXX. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) may restrict this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. In turn, the FCRA may also restrict activities that the GLBA permits. For example, the GLBA permits a financial institution to share a list of its customers and 4. Communication of such transaction or experience information among persons, including financial institutions related by common ownership or affiliated by corporate control. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. FInd Attached the letter from XXXX XXXX XXXX who you claimed furnished the information of fraud on my credit report. and identity theft report of the account.
10/14/2016	Yes	Credit reporting	Credit reporting company's investigation Inadequate help over the phone	MN 55449	Web
On XXXX/XXXX/2016 I sent a certified letter to Chexsystems regarding XXXX items on my consuymer file. In my dispute I asked for Chexsystems to validate this information and provide me with copies of any documentation associated with these accounts. I also, asked that in the absence of any such documentation bearing my signature theat this information be immediately deleted from my file that they maintain under my social security number. On XXXX/XXXX/2016 and XXXX/XXXX/2016 I received letters from Chexsystems stating that their investigation was complete. The letter states that the accounts have been verified as accurate as reported, therefore it would retain in my file. The letter gives me contact information for the bank. It also states that if I request, Chexsystems will provide a description of the procedure used to determine the accuracy of the disputed information in my file. On XXXX/XXXX/2016 I called Chexsystems to request the procedure used to verify the accuracy of the disputed information in my file. I spoke with XXXX a representative who stated that they contacted the bank and the bank told them that it was my account. I asked what documentation was received to verify the accountt he was not able to provide me an information to verify the account. I asked if the obtained any documentation bearingmy signature? He stated that if I wanted that documentation I need to contact the bank at the number listed in the letter. I again asked for verification of proof that the account was verified and valid and he could not provide any such documentation. I requested to speak witrh a supervisor. He took my name and number to have a supervisor call me back. Today XXXX/XXXX/2016 I received a call from XXXX a supervisor at Chexsystems. I discussed with XXXX the same infromation as I did with XXXX the previous day. I asked for the procedure and documentation showing this account belonged to me and that they were inacurately reporting information as they are not able to provide documentation bearing my signature. XXXX continued to say that I could contact the bank and I continued to request the process they used to verify the account. I said what did they provide to show it was accurate she stated the bank told them it was verified and accurate. After several attempts to request their procedure and documentation I considered it a failed attempt and advised XXXX that I would be contacting the Consumber Financial Protection Bureau. She stated to give her a minute and placed me on hold and then came back and stated that I needed to contact the bank for verification. My XXXX account is still pending. On XXXX/XXXX/16 I placed a security freeze on my file.
08/19/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	TX 78746	Web
I am a victim of identity theft. I have contacted Chex Systems Inc on numerous occasions and have found that they flagrantly violate the provisions in the Fair Credit Reporting Act. My previous financial institution, XXXX XXXX, had a date breach and/or hack several years ago which resulted in my sensitive personal information being shared with over XXXX people. The information included my full name, driver 's license, date of birth and social security number. I have had to dispute numerous accounts opened in my name as a result. I previously disputed the XXXX accounts that are being reported on my credit file with Chex Systems directly with Chex Systems and have now filed a complaint via the Consumer Financial Protection Bureau which Chex Systems responded to. Chex Systems claims to have investigated my previous disputes. Upon my communication with the XXXX companies that have reported information to Chex Systems ( XXXX XXXX Bank and XXXX XXXX XXXX Bank ) I was told by XXXX companies that Chex Systems never forwarded them my complaint and that they were not aware of any identity theft because Chex Systems never told them. I had these conversations with both companies over the phone and XXXX XXXX sent me the attached letter confirming the conversation and letting me know that they told Chex Systems to remove this information. In the response I received from Chex Systems Inc this week through the Consumer Financial Protection Bureau they stated that they would not remove the information - this after the provider of this information has told me in writing that they have requested Chex Systems remove this information immediately. I have attached to this complaint a copy of the written communication from XXXX XXXX XXXX Bank which informs me that they have instructed this credit bureau to follow the law under the Fair Credit Reporting Act and to remove the information from my credit file. I have previously supplied Chex Systems with a copy of the letter from XXXX regarding the identity theft and also provided in the previous complaint filed with the CFPB. In XXXX letters I have attached the financial institutions have provided contact information for any third party to contact to confirm any information. In reaching out to XXXX Bank I was told that they also have no record of Chex Systems contacting them to validate this identity theft. To date I have contacted Chex Systems numerous times and spent hours of my time attempting to rectify this situation and have provided written notice with contact information for them to validate my claim of identity theft and to date they have not honored my rights under the FCRA and attempted to validate my claim.
08/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92705	Web
ChexSystems Attention : Dispute Department XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Subject : Dispute of Derogatory Account in My Name ; Victim of Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your immediate attention a concerning matter regarding my identity and the fraudulent activities associated with it. I have recently become aware that a derogatory account reported by XXXX XXXX, under my name, is a result of identity theft. I hereby request your cooperation in resolving this issue promptly to prevent any further harm to my financial well-being. Unfortunately, I discovered this fraudulent account when I received notification from XXXX XXXX stating that my account was delinquent. However, I have never opened an account with XXXX XXXX, and I am not familiar with this derogatory entry or its associated activities. It is evident that I have fallen victim to identity theft, wherein someone has unlawfully been using my personal information for their own financial gains. In light of the above, I request your immediate attention to address this matter and conduct a thorough investigation into the fraudulent account reported by XXXX XXXX. I kindly ask you to take the following steps to assist in rectifying my situation : 1. Verify and investigate the existence of the derogatory account under my name. 2. Clearly communicate with XXXX XXXX regarding the fraudulent nature of the reported account. XXXX. Request XXXX XXXX to provide evidence supporting their claim. 4. Promptly remove the derogatory entry from my ChexSystems report. 5. Provide me with a corrected and updated ChexSystems report reflecting the removal of the fraudulent account. I kindly request your support in resolving this matter as soon as possible. As a victim of identity theft, I have also taken several additional measures to protect myself, such as filing a police report and notifying the Federal Trade Commission ( FTC ). Enclosed is documentation confirming these actions. Please provide me with updates regarding the progress made in resolving this issue and keep me informed of any further steps required from my end. I appreciate your understanding and cooperation in assisting me during this challenging situation. If you require any further information or clarification, please do not hesitate to contact me via the above-stated contact details. I am available at your convenience to provide any additional information that may aid in the investigation. Thank you for your urgent attention to this matter. I hope for a swift resolution to clear my name and restore my financial stability. Yours sincerely, XXXX XXXX
10/16/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	FL XXXXX	Web	Servicemember
as of XX/XX/XXXX, I DEMAND CHEX SYSTEM TO REMOVE THE NEGATIVE ACCOUNT IMMEDIATELY PER : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S. Code 1692k - Civil liability ( a ) AMOUNT OF DAMAGES Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure. ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. ( a ) AMOUNT OF DAMAGES Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of any actual damage sustained by such person as a result of such failure in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. 15 U.S. Code 1681- Congressional findings and statement of purpose- ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Please remove the negative account immediately for I will file a lien against your company, {$1000.00}. ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RTN/ACCT # XXXX ORIGINAL CHARGE OFF AMOUNT {$510.00} CLOSURE STATUS : UNPAID CLOSURE STATUS XX/XX/XXXX 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports- ( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. Form 3949A has been submitted to report the theft on this account as I have never had this account, Demand for validation with form 1099 OID is requested, due to the information reporting return submitted for the existence of this fraudulent account. Please remove this account, it is not Frivolous, it is inaccurate, and need to be removed immediately. I am the consumer ; I have the right to say what is listed on my consumer credit report
01/08/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CA XXXXX	Web
I am unable to open a checking account in the United States. For many years I banked with XXXX XXXX XXXX. I would have double charges on my account by many merchants ( I believe it was the merchants that XXXX XXXX XXXX worked with or furnished access devices to ). I could not stop the double charges. The unauthorized charges then would lead to large fees and overdraft payments that were not correct to begin with. I decided to change bank accounts many times and the double charges by merchants followed me. The double charges were different depending on the bank. Banks and Merchants work together. Banks are required to furnish access devices to the merchants. I would see double charges with merchants that the bank would the banks furnished access devices or electronic payment devices to. For example XXXX XXXX XXXX furnishes electronic access payment device to its merchant XXXX, and I would see double charges on my XXXX XXXX XXXX account with merchants that XXXX furnishes the device to. When I would switch bank double charges would show up with new merchants, usually the merchants affiliated with the corresponding bank. I believe the bank then changes the statements to make it look like the customer used there pin with the card. I want to be paid back in full, plus interest, I want the bank and merchant to be FINED. I want to collect a portion of this. This banking FRAUD, DOUBLE charges, Excess fees, unauthorized transactions have destroyed my life. I have lost everything for looking into this. I have contacted endless government agencies including local and federal policing agencies. I have tried to hire an attorney to fight against these banks. As soon as I get organized and get my statements together, I get stuck. I moved out of my home XX/XX/2012 and moved into hotels thinking the banking nightmare would stop. It continued and got worse. The hotels then double charged me. I would fight with the hotels asking for charges to be reversed. I would call the bank and neither the bank nor the merchant would return the money or fees involved. Here is the letter with a snap shot of what has been going on. I am waiting on new statements from all banks to send to your agency. I have been contacting every other agency without understanding who to contact. This letter is to Checks Systems with a snap shot of the banking nightmare. The letter also includes all the government agencies that I have contacted. I need to be able to open a checking account. I am a very wealthy individual and would never overdraw my account. Please take a look at this. followed me to every bank I opened. I have contacted all the federal agency 's
04/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	TX 78240	Web
I am writing to file a formal complaint against Chex Systems Inc. for their unauthorized acquisition and sharing of my personal information, which is in violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. As a consumer reporting agency, Chex Systems must comply with these legal provisions, and I request the CFPB 's assistance in investigating and rectifying these violations. My concerns regarding Chex Systems ' violations of consumer protection laws are based on the following : Unauthorized Acquisition of Personal Information ( Section 604 of the FCRA ) : Chex Systems has obtained my information without a permissible purpose, which constitutes a violation of Section 604 of the FCRA. Unauthorized Sharing of Personal Information ( Section 604 ( a ) ( 3 ) ( A ) of the FCRA ) : Chex Systems has shared my credit report with an employer or another entity without my written consent, which constitutes a violation of Section 604 ( a ) ( 3 ) ( A ) of the FCRA. Charging Banks for Personal Information ( Section 612 ( f ) ( 1 ) ( A ) of the FCRA ) : Chex Systems has charged banks for my personal information without adhering to the restrictions outlined in the FCRA, which constitutes a violation of Section 612 ( f ) ( 1 ) ( A ) of the FCRA. Privacy Protection ( Section 609 ( c ) of the FCRA ) : Chex Systems has failed to protect my sensitive information, such as social security numbers or dates of birth, when sharing it with another business, which constitutes a violation of Section 609 ( c ) of the FCRA. I have attempted to resolve these issues with Chex Systems directly by sending a formal written complaint. However, I have not received a satisfactory response, and the unauthorized acquisition and sharing of my personal information persist. The following actions are requested to rectify these violations : Investigate Chex Systems Inc. for non-compliance with the FCRA and other consumer protection laws. Ensure Chex Systems ceases the unauthorized acquisition and sharing of my personal information. Direct Chex Systems to remove any unauthorized or inaccurate information from my Chex Systems report. Require Chex Systems to provide me with a free copy of my consumer report, as per my entitlement under Section 612 ( a ) of the FCRA. I trust that the CFPB will take appropriate action to protect my rights under the FCRA and other applicable consumer protection laws. Please keep me informed about the progress and outcome of your investigation. Thank you for your attention to this matter. If you require any additional information, please do not hesitate to contact me. Sincerely, XXXX XXXX XXXX XXXX
08/23/2023	Yes	Checking or savings account Other banking product or service	Opening an account Confusing or missing disclosures	GA 31602	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX, has some very strange and segregating policies when it come to allowing new people to join their bank. I applied and they denied my drivers license/water bill/ electric bill for being fuzzy, or other documents based on their police that every supplied documents must be clear, regardless of if they can be read. I received this below letter about 6 times from XXXX XXXX. I called to complain about XXXX XXXX, and then they denied my application saying CHECK SYSTEM a consumer reporting company said I had negative items in my file. Check Systems has old outdated information on file form 5 years ago. I have no missed payments to Banks, and I have paid off most of my late credit cards or store cards when I was laid off from work. Dear XXXX XXXX, Our review of your application indicates that we can not accept some of the documentation or information you provided. Please provide the following : Kindly note, please provide an alternate utility bill such as an internet bill or gas bill. To see the documents/information in question and to upload corrected versions : Go to the membership application : https : XXXX XXXX continue existing application Use the application ID we emailed to you when you started the process to view your application. If you have misplaced your ID, click on the application retrieval link in the Application ID field and complete the required information. Your ID will be emailed to you. Once you enter your ID, you will be taken directly to the document section of the application. For further assistance and any general questions, please contact XXXX XXXX XXXX at telephone XXXX, fax XXXX or XXXX. Thank you for choosing XXXX as your financial institution. Sincerely, Membership Support Processor II Retail Services ( T ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX, We regret to inform you that your membership application has been declined due to information obtained from ChexSystems , Inc. ChexSystems did not make this decision and is unable to supply specific reasons why we have denied your request. You have rights under state and federal laws, including the right to : Obtain a free copy of your report if you make a request to ChexSystems within 60 days of receiving this notice. Dispute any inaccurate or incomplete information contained in your consumer report with ChexSystems. You may contact ChexSystems by using the contact information below : Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Telephone : XXXX Fax : XXXX Web : www.chexsystems.com
09/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	NJ XXXXX	Web
This complaint is being made by me there is no third party involved. I am a victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credit, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my Social Security number has been used unauthorized, and without consent and written or verbal permission. My Social Security number information was breached and alleged creditors have used my Social Security number and are in violation of the privacy act of XXXX etc. unless they can prove a written contract exist. Furthermore they are also in violation of the Graham Leach Blily Act 15 U.S. Codes section 6801and 6802. On XX/XX/XXXX, CHEXSYSTEMS agent XXXX XXXX received via certified mail number XXXX XXXX XXXX XXXX XXXX my FTC identity theft report, notarized FTC identity theft affidavit and proof ID. CHEXSYSTEMS has removed the fraudulent inaccurate addresses and email address on my consumer report but has failed to comply with the Fair Credit Reporting Act and remove the fraudulent in accurate account from XXXX XXXX from my consumer report. If this fraudulent an accurate account is not removed from my consumer report within four days as required by the FCRA, I will file a lawsuit for damages for civil liability for willful noncompliance. pursuant to 15 U.S.C 1681n. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Indeed, no more than an affidavit is necessary to make the prima facie case. United States v. Kis, 658 F.2nd, 526, 536 ( 7th Cir. 1981 ) ; Cert Denied, 50 U.S. L.W. 2169 ; S. CtXXXX XX/XX/XXXX I have already filed a complaint with the XXXX XXXX XXXX regarding this matter under case number XXXX.
05/06/2018	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	VA 20155	Web	Servicemember
On XX/XX/2018 I tried to pay for goods and services from XXXX XXXX XXXX. XXXX. I bought 2 suits, tried to pay with a check and it refused the check. I had more than sufficient funds in it. Then I tried to pay with a second checking account ( that also had plenty of money in it ) and that was also refused by : CERTEGY... I was totally embarrassed and humiliated. Everyone at the counter was looking at me like I was a thief. I was a cop for over 20 yrs... Their call back number did nothing, and the computer generated voice activation system, kept messing up my account # when I called. This company has 590 complaints on the Consumer Affairs website, and is rated at one star out of 5. Totally incompetent.. Please fine them and yank their permits to operate as a legitimate business. Where do I go to get my reputation back at the store??? cont.. I would like an apology from the CEO - XXXX XXXX XXXX in writing to myself and the employees at XXXX XXXX - XXXX XXXX mens suit dept. who worked on XX/XX/2018. The check was for {$530.00}. They had to run two checks, and one CC ( finally accepted ) and take the time to re-check out the items I purchased and caused a back up in the line, and people giving me dirty looks like I did something wrong. I would like the same from Certegy 's CC VP - XXXX XXXX XXXX XXXX, because it is his division. And no one answers the phones to correct this at XXXXXXXX XXXX on a Sat. afternoon. If credit is granted XXXX ; the company ought to have people available to correct their mistakes. Certegy should probably pick up half the tab that day. I mean really. You see it all the time in stores where people just stick in a CC and the store accepts it. Sign names like XXXX XXXX and post it to the internet. Even when people hand over a drivers lic. clerks rarely look at the picture. In the old days people were questioned about their documents, but not anymore. Big business and banks are always right, and to speak up about anything they hide behind rules, and automated systems that are not human to correct. Maybe Certegy should be promoted and put in charge of the USA 's nuclear missiles. I'm sure they'd do a great job. " Mr. President this is Certegy a finance company who assists the Dept. of Defense with approvals. Your launch codes have been declined! Please go on line if you have anything to say about this. We are open from Mon-Fri normal business hours. On Monday when we open someone from a foreign country may assist you. '' " Also, please have your routing numbers, DOB, drivers license, bank account numbers available as you will be asked for this information before we authorize a launch ''.
09/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	WA XXXXX	Web
I had tried to open XXXX accounts, XXXX was business and XXXX was personal at XXXX XXXX, and also at XXXX XXXX. I was told by both banks that I am unable to open account today due to their system reporting back that I am showing up in their system, under CHEX SYSTEMS, and that I am bot able to open the account. I have never had this problem occur ever, and I also am aware that I DO NOT have an outstanding balance with any Bank or any Credit card company, in fact my credit score is above XXXX. I work for XXXX XXXX XXXX and XXXX as a XXXX XXXX in XXXX XXXX and maintain my credit and history is very important. I have had Identity Theft done to me in the past were I had notified all 3 Credit Companies, Social Security Office, WA DMV, Federal Trade Commission about Identity Theft and How I was a victim of it. I had also filled out ID theft Victim Document and notarized it to provide to all the company 's as well. Their were credit cards and many credit inquiry 's that were happening to my account which I was unaware of. Some one was using my identity. I had then noticed that their was an account opened with XXXX XXXX under my name which I never was aware of and never did I open this account or authorize anyone to open it on behalf. Their were transactions happening on that account and someone was actually using it as a bank. I immediately contacted the bank and notified them of the situation and sent in all the documents, and instead I was told that this is false and they do not believe me. I had then checked again 2 months later and then their was an account under XXXX opened recently under my name, and prior to that their was XXXX account opened some time back as well. I then again filled a police report and filled ID theft. I called XXXX XXXX left a message several times and never heard back. I also notified 3 credit company 's about this issue and they replied within a timely manner. It has been one thing after another, XXXX bank finally resolved the issue and took me off their system, but I am still showing at Check Systems and it shows that Washington XXXX had sent over a complaint against me to put me under check systems, but I never banked with XXXX XXXX and I did contact XXXX XXXXl and let them know that along with Check systems but nothing has seemed worked and has only caused problems. I would like to have my name removed from Check Systems as I never opened an account with XXXX XXXX or XXXX or XXXX, I bank with only XXXX XXXX and have been since 2004. I need check systems to remove my name off the list as son as possible so I can bank with other banks and not have a problem. Thanks in advance.
01/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	PA 19119	Web
To whom it may concern, Please accept this formal letter as request to investigate and remove inaccurate items from my consumer report which include late payments, derogatory accounts, unauthorized inquires, and inaccurate reporting closed accounts from my consumer report, I have found it has errors. It has come to my attention that your company is reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. 1681a ( f ), you are governed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states that its the responsibility to ensure that all information contained within consumer files is accurate and free from errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. 1681 ( d ), to third parties. According to Federal Law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681, et seq., including but not limited to : 1 ) Follow Reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., Burke v. Experian info. Sols., Inc. , 2011 WL 1085874, at *4 ( E.D. Va XXXX. XXXX, XXXX ) ( breaking down the requirements of 1681e ( b ), and explaining that assure means to make certain : put beyond all doubt, [ m ] aximum means to the greatest quantity or highest degree attainable [. ] And possible means something falling within the bounds of what may be done, occur or be conceived. ( quoting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) ) ; 2 ) Comply with the investigation requirements, as required by 15 U.S.C. 1681i ; 3 ) Should not provide consumer file to companies without determining that these companies had a permissible purpose to obtain consumer file pursuant to 15 U.S.C. 1681 ( b ) ; 4 ) Provide consumer file pursuant to 15 U.S.C. 1681 ( g ). 5 ) Et seq. Accordingly, I request your company provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report.
03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 723XX	Web
Chex Systems , IncXXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX XXXX has been sent letters and called numerous times about fraudulent activity that has been listed on my credit report. I have asked for verification paperwork and they will sometimes send stuff and sometimes it's limited. XXXX XXXX XXXX and XXXX XXXX XXXX won't even talk about the accounts. Stating they sold them or another company is incharge of the account. I would like to speak to the company that originally stated I have a debt owed. I haven't signed contracts or anything with XXXX XXXXXXXX XXXX or any other company so I don't care if they sold it or not I don't have a contract with them. Also they sent paperwork once but could not produce a signature or video or anything to show that I started the accounts. The US Government was involved in a big case about my information and a few other people who information was stolen. It included our social security cards, drivers license etc. I even had money come up not going into my accounts due to the fraud situations. They was shopping and everything with my work check. I submitted information to the creditors but they still never investigated the incidents but instead stated it was verified. They keep asking for affidavits but if the federal government wasn't able to find the people involved why would I keep doing this. Chex Systems , Inc, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX violated the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and the rules and regulations thereunder, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the rules and regulations thereunder, Arkansas General Business Law because they state checks was deposited into my checking account. They are improperly holding me liable for the fraud on a account; failing to delete inaccurate, derogatory information from ChexSystems report ; and engaging in other misconduct. As a result of their failure to comply with its legal obligations and negative reporting of reporting to ChexSystems, I was forced to relocate across the country and was effectively forced out of the mainstream banking system. Defendant ChexSystems violated the FCRA and the rules and regulations thereunder, the Arkansas Fair Credit Reporting Act ( Arkansas General Business Law ) ( AR FCRA ), and state common law, by failing to properly reinvestigate my disputes of inaccurate, derogatory information on my ChexSystems report and by misreporting and failing to delete inaccurate information on my ChexSystems report, thus damaging my ability to open a bank account.
08/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NY 132XX	Web
I am disputing a charge of {$320.00} from XXXX XXXX for the following reasons : -The item in question is not accurately reported -Bank did not notify of the accounts charge-off -requesting verified proof of the amount owed -requesting permanent deletion I disputed a charge for {$320.00} from XXXX XXXX dating back to XX/XX/XXXX which appears on my ChexSystems Report. This account had payroll checks deposited from my then employer, XXXX XXXX XXXX XXXX returned. Checks were held for a period of 10 days due to company 's financial issues causing " XXXX '' a Pay Day Loan Lender to repeatedly attempt to collect funds from the account as payroll funds were held or even returned. The account overdrew to {$140.00}. I requested the bank not allow the PayDay loan company access to the account to allow me to pay them seperately as I learned my Consumer Rights regarding illegal PayDay Loans ( N.Y. Banking Law 340, N.Y. Banking Law 373 and N.Y. Penal Code 190.40 ). I was never notified of continued attempts to draw from the account once the balance owed was paid in XX/XX/XXXX. I am currently trying to open a Business Checking as is required by XXXX XXXX and XXXX XXXX Certification process and can not complete the process because of an inability to have XXXX XXXX clear this from Chex. I called XXXX XXXX and was transferred to XXXX XXXX collection line at XXXX. The teller : -could not verify an attempt to make me aware of the accounts status -could not verify the amount owed -could not verify to whom the account was charged-off -will not accept payment due to age of the account I contacted the past employer to verify if any other final payroll checks had been reversed. The employer could not verify and offered to resolve the situation with XXXX XXXX for any verified amount resulting from a returned or outstanding payroll check. The Agency ( XXXX XXXX ) can be contacted at : XXXX XXXX XXXX or XXXX XXXX. When a request was made for where to direct payment, XXXX XXXX claimed that it " is not collecting on the account due to its age and can not apply payment. '' Documents supplied demonstrate that XXXX XXXX ( Past Employer ) " furloughed its remaining four employees ... .was in the midst of a financial crisis in early XX/XX/XXXX ... hired an outside auditor after depleting its line of credit and failing to pay bills. '' Requesting permanent deletion from Chex Systems. Without deletion, this report on Chex prevents me from certifying my business with New York State. An inability to complete my XXXX XXXX keeps me from collecting on current contracts which require a XXXX XXXX XXXX certification.
12/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	CT 064XX	Web
This is a letter that was sent to an attorney describing what happened : Hello, I found out today when I went to open a new checking account with XXXX XXXX bank and was denied, that XXXX XXXX XXXXXXXX has filed a claim of suspected fraud against me with ChexSystems and possibly XXXX XXXX XXXX. I have filed a dispute with ChexSystems and called XXXX XXXX XXXX to see if there is a claim against me with them, but It will take 5 days to hear back from them. Last month, I opened a new checking and savings account with XXXX XXXX XXXXXXXX. They made 2 small deposits into my XXXX XXXX XXXX checking account to verify. The deposits were then removed. After this, I did an ACH transfer for {$4000.00} from my XXXX account to my XXXX account. While this transfer should have taken up to 3 business days to complete, it ended up taking much longer and both XXXXXXXX XXXX and I were becoming concerned. I was in constant contact with both banks. After many hours of speaking to reps from XXXX XXXX XXXXXXXX, I was getting nowhere. Finally, I spoke to a XXXX XXXX and ended up in an argument with her over this. They were not helpful whatsoever. Ultimately, I spoke to a manager at XXXXXXXX XXXX who advised that they would be able to have their ACH department go in and retrieve the ACH deposit back from XXXX and not to worry because there is a paper trail for all ACH transfers. Turns out that the day the ACH finally was processed and appeared at XXXX, the manager at XXXX ( unknowingly ) went in and had the funds retrieved. I believe this is where the problem lies, but I am uncertain. I have not had any luck with XXXX XXXX XXXXXXXX. Immediately after this, they closed both of my accounts. They told me they will not reverse the claim, will not provide any further information and to contact ChexSystems, who will negotiate with them. To be clear I did not commit fraud, nor did I try to and I need this removed from my record. I can lose my job over this. Its extremely difficult to get anywhere talking to these banks and agencies. I have records of the transfer and deposit. I also have my statement from XXXX showing the withdrawal and then the credit back into the XXXX account from XXXX. I was going to go to XXXX XXXX XXXX XXXX XXXX this morning to speak with a branch manager to see if they have any leverage in speaking to XXXX XXXX XXXXXXXX XXXX because trying to call XXXX ( which is now XXXX XXXX XXXX XXXX ) is futile. They arent even accepting calls at this point in time because of the recent acquisition of XXXX Bank XXXX XXXX XXXX XXXX. I honestly do not know what else to do. Can you help?
09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90001	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Emails : XXXX, XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Re : Dispute of Fraudulent Account Reporting - Consumer ID XXXX To Whom It May Concern, I am writing to dispute the reporting of a fraudulent account that appears on my consumer report, which is maintained by your agency under Consumer ID XXXX. The account in question was reported for overdrafts by Chex Systems , Inc., and the details are as follows : - Account Holder : XXXX XXXX - Date of Birth : XX/XX/XXXX - Reported Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - SSN/ID : XXXX - Driver 's License : [ State ] - Date of Closure : XX/XX/XXXX - RTN/ACCT # : XXXX / XXXX - Original Charge Off Amount : {$370.00} - Closure Status : UNPAID - Closure Status Date : XX/XX/XXXX I am disputing this account on the grounds that it was opened without my knowledge or consent due to fraudulent activity. I have not authorized the opening or operation of this account, and I have no affiliation with the financial institution associated with it. Enclosed with this letter are documents that support my claim of identity theft and fraud, including copies of police reports and any relevant correspondence with the financial institution. I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter and takes the necessary actions to address the fraudulent account reporting on my consumer report. I am seeking the removal of this account from my consumer report and a correction of the inaccurate information related to it. I understand the significance of accurate consumer reporting in maintaining the integrity of financial information and protecting consumers from identity theft and fraudulent activity. Therefore, I trust that the Consumer Financial Protection Bureau will give careful consideration to this dispute and work diligently to resolve it. Please inform me in writing of the results of your investigation and any actions taken to rectify the situation. If additional information or documentation is needed from my end to facilitate this process, please do not hesitate to contact me at the phone numbers or email addresses provided above. Thank you for your prompt attention to this matter. I look forward to a swift resolution and the removal of this fraudulent account from my consumer report. Sincerely, XXXX XXXX Enclosures : [ List any enclosed documentation, such as police reports or correspondence with the financial institution ]
09/11/2021	Yes	Checking or savings account Checking account	Opening an account Confusing or missing disclosures	FL 33309	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Consumer ID : XXXX TO : XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX XXXX/ACCT # : XXXX / XXXX TO : Chex Systems XXXX XXXX Customer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX XXXX/ACCT # : XXXX / XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by BOA. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX, bearing my signature, 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. What you sent ( 4 illegible letters attached ) could be anything from anybody and is DEFINITELY not validation!!!! Please stop playing with me. This is making me physically XXXX. I can't eat or sleep and I feel like total XXXX because of this. Please delete this account immediately!!!! Be aware that I am making a final 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 are investigated by the Federal Trade Commission ( see 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, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX XXXX : XXXX XXXX, XXXX
11/16/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	FL 33169	Web	Servicemember
CHEXSYSTEMS XXXX Attn : ChexSystems and Consumer relations department Name : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; Consumer XXXX, Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide below. In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also a linked last four of social ending in XXXX does not belong to me and is not mine and shouldnt be in my report or linked to my identity in any way shape or form. All these accounts and wrong personal information being reported on CHEXSYSTEMS have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. these banks along with Chexsystems have caused for all banks to not allow me to open up a bank account with them because Chexsystems is wrongfully reporting inaccuracies and fraudulent information.I need these accounts removed from Chexsystems asap. the only correct information that should be reporting is ; Name : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; phone : ( XXXX ) XXXX
02/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07026	Web
I am aware that, despite customers providing precise information, you have been employing pre-written standard form letters in responses to numerous disputes, complaints, and challenges. I understand this to be illegal since each customer complaint requires individual consideration and handling based on its own merits. My letters have been composed and generated using readily available software accessible to everyone. Refusing to process or address my letters would constitute a violation of 15 U.S. Code 1681i. It is against the law to delay processing consumer letters based on the assumption that third-party assistance might be available, as this does not qualify as a legal exception. Whether authored solely by me or with the knowledge and consent of my advisors, I am the responsible party for any letters bearing my name. Failure to respond promptly to my correspondence will be viewed as a willful disregard for my customer rights, leading me to contact my lawyer and pursue legal action. In accordance with FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the accepted standard of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe to be incorrect. The proper documentation and validation of all data in a consumer 's file before being made available for creditor use are crucial. Consequently, I treat this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, and I will not tolerate any misinformation linked to my name and financial history. I am determined to fight back vigorously. The accuracy of your credit report holds significant importance. The listed allegations fail to meet federal or state reporting requirements and can not be substantiated. I challenge these claims due to their non-compliance with basic reporting standards, which would instill greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. Reporting claims that do not meet regulatory requirements should not occur. Ensuring accuracy and adherence to appropriate formats mandated by the Fair Credit Reporting Act ( FCRA ) and standards like XXXX XXXX is crucial. I kindly request that you handle this matter with the utmost care and diligence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 890XX	Web
Last XXXX XXXX XXXX XXXX XXXX closed one of our accounts and made no mention of the issue to myself via any means. Text, email, USpostal service, phone call. Nothing. When our merchant provider attempted to deposit over {$7000.00} into the account, it was closed unbeknownst to anyone that it was closed. It turns out that XXXX XXXX XXXX XXXX charged a fee that put the account in the negative and then continued to charge over {$300.00} in additional fees based on their first fee. Since the deposit was not able to be made, the merchant provider closed our account on their end, perpetuating the problem. When I contacted XXXX XXXX XXXX XXXX, branch manager XXXX XXXX from the XXXX XXXX XXXX XXXX location at XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX. Phone number XXXX, apologized and stated he would rectify the problem. He would make the fees go away and reopen the account. What he did was submit the fees as a charge off to the Chex system which taints our business record and makes us unable to open any other accounts. He never informed me that we were to be further blindsided by his ineptness at dealing with this issue. Upon discovering this in XXXX, I have made more than 30 attempts at contacting him and fixing this issue. No one answers the phone at the branch. XXXX. So I am unable to leave him a message or contact him. I am an hour and a half away from that location so I can not just drop in. I have made phone calls to XXXX XXXX XXXX XXXX XXXX number and they eventually are able to go through some back channel and get someone at the branch to answer a secret phone line. Us lowly customers don't have access to. Upon doing so, he of course is never in the branch. He's the branch manager but he's never in the branch. I was finally able to get one return phone call from him and he promised he would fix the issue 3 weeks ago from today XXXX. Since that day, I have made a plethora of phone calls and emails and he returns none of them. At this stage I have so many dozens of hours vested in this and the stress associated with it that it has become a very substantial issue. And of course, I've been unable to open the initial account that made me realize their mistake in the first place. This has become a very, very serious issue and he knows this, yet refuses to fix it in spite of stating multiple times that he would. This has rapidly become the most inept bank I've ever had the misfortune of dealing with. And I had been with them for 35 years to this point. Something has changed and people need to be aware of it.
02/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	DE 199XX	Web
Dear Consumer Financial Protection Bureau, On or around [ XX/XX/XXXX ( CERTIFIED Tracking ID : XXXX ) ], I sent a letter to [ XXXX XXXX XXXX ] requesting validation of a debt that they were reporting on my credit report. I did not receive a response to my validation request. On or around [ XX/XX/XXXX ( CERTIFIED Tracking ID : XXXX ) ], I sent a second letter to [ XXXX XXXX XXXX ] again requesting validation of the debt. Again, I did not receive a response. On or around [ XX/XX/XXXX ( CERTIFIED Tracking ID : XXXX ], I sent a third letter to [ XXXX XXXX XXXX ] requesting validation of the debt for a third time. Once more, I did not receive a response. To date, I have still not received a response. As a result of the debt collector 's failure to validate the debt, I have suffered damages including but not limited to : the inability to open bank accounts, difficulty in obtaining employment, and being denied the ability to purchase a house. I demand that the credit reporting agency, CHEX SYSTEMS, remove the account in question from my consumer report immediately I am writing to make a complaint against ChexSystems for violating my rights as a consumer under the Fair Credit Reporting Act. This is the eighth time I have disputed an account with them and I am still encountering issues with having it removed from my consumer report. I demand that this account be deleted from my consumer report immediately, as it is in violation of the provisions outlined in 15 U.S.Code 1681a ( 2 ) ( A ) ( i ), which states that reported information can not be based solely on transactions and experiences between the consumer and a company. I have provided ample evidence to support my claim, but it seems to have fallen on deaf ears. XXXX. Date of Closure : XX/XX/XXXX XXXX/ACCT # : XXXX / XXXX Original Charge Off Amount : {$590.00} Closure Status : UNPAID Closure Status Date : XX/XX/XXXX XXXX. Date of Closure : XX/XX/XXXX XXXX/ACCT # : XXXX / XXXX Original Charge Off Amount : {$630.00} Closure Status : UNPAID I am fully aware of my rights as a consumer and will not hesitate to take legal action against ChexSystems if this account is not removed. I am seeking the maximum amount allowed under the law for the harm and inconvenience caused by this violation of my federally protected rights. I hope that the Consumer Financial Protection Bureau will take swift action in resolving this matter and ensuring that my rights as a consumer are protected. Thank you for your time and attention to this matter. Sincerely,
11/28/2015	Yes	Credit reporting	Credit reporting company's investigation Problem with statement of dispute	GA 303XX	Web
I already have a complaint Case number : XXXX, and waiting for your review. I would like to add additional information to the complaint. I contact XXXX by phone XX/XX/XXXX and spoke with XXXX, who stated that she worked in the billing department. I informed her that XXXX ( floor Leader ) claimed that Certegy contact XXXX regarding my dispute, and XXXX ( floor Leader ) stated that XXXX response was that there was unconfirmed conversation or calls relating to complaint about the product that was falsely advertised. XXXX said anything someone call the customer account is noted, and there was a conversation noted about product that I refused and they try to offer me something else, and I reply I call you back. ( the reason I said I call you back, because the conversation was getting debatable with the representatives because I did not want the services ). I have enclosed copy of statement that show that there was a conversation about refunding. On XX/XX/XXXX a transaction was made for {$190.00} under misleading advertisement, XX/XX/XXXX a refund was issuer for ( XXXX ) and it sat there until XX/XX/XXXX part of ( XXXX ) was apply to account that I never authorize or hear of, why would I order a XXXX Standard SSL, without a website. I do believed if Certegy and XXXX had follow the consumer protection law, I would have avoided, embarrassment, stress, credit denial. I call Certegy after speaking with XXXX at ( XXXX ) and spoke with a lady who claim that she needed my bank account and routing number in order to see if a dispute was made, the lady was quoting the same statement that XXXX ( Floor Leader ) had said, after I told him XXXX ( Floor Leader ) said there was a dispute on file. XXXX ( Floor Leader ) said in the beginning that there was no dispute file but when I told him XXXX ( Floor Leader ) said there was a dispute file, then that when XXXX ( Floor Leader ) starting asking for my bank account and routing number, and every since them all the Certegy representatives starting asking for my bank account and routing number in order to see if a dispute was file, I refused cause I thought it was a tactic that will be used against me for payment. XXXX ( Floor Leader ), XXXX and XXXX never asked for my bank account and routing number they asked for my I.D and the state it was issued to pull my account and to see if a dispute was filed. I do not trust Certegy representatives at their call center to handle any of my concern going forward. Please add this to complaint Case number : XXXX, already on file
02/12/2020	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	MD 208XX	Web
After receiving phone calls, mail and email indicating that there were accounts opened in my name that held balances I ordered credit bureau reports in response. I have also been banking with XXXX XXXX XXXX XXXX for more than five years with a good banking relationship and initiated a new savings account and was declined. The Bank Manager and I were alarmed so I also ordered a checking account report from ChexSystems and other reporting systems. I discovered that multiple accounts were opened and were in operation for some time. I have spent the last 18 months taking XXXX treatments and have had XXXX XXXX and I do not use credit. My home was previously burglarized at my former address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I suspect one of my tenants was responsible. I also suspect suspect that Mr. XXXX XXXX XXXX who lived in the basement of my current home at XXXX XXXX XXXX may be responsible as well. The following accounts were fraudulently opened : 1. XXXX XXXX XXXX - XXXX 2. XXXX XXXX XXXX - Uknown 3. XXXX XXXX XXXX ( partial ) 4. XXXX XXXX XXXX XXXX ( partial ) 5. XXXX XXXX XXXX - XXXX 6. XXXX XXXX XXXX - XXXX 7. XXXX XXXX XXXX - XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX - Unknown 10. XXXX XXXX XXXX Checking Account XXXX ( partial ) 11. XXXX XXXX Chekcing Account XXXX ( partial ) The following are attempts to open bank accounts in my name : Fraudulent Banking Activity : The following were attempts to open accounts in Mr. XXXX name currently showing as inquries : 1. XXXX XXXX XX/XX/XXXX ; 2. XXXX XXXX XX/XX/XXXX ; 3. XXXX XXXX XXXX XX/XX/XXXX ; 4. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 5. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 6. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 7. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 8. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; 9. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 10. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ; 11. XXXX XXXX XXXX XX/XX/XXXX ; 12. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 13. XXXX , XXXX . XX/XX/XXXX ; 14. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 15. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 16. XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX -XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XX/XX/XXXX
10/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CA 95608	Web
I would like to start by first saying thank you! This is not the first time I have gone to your service to report a complaint and the help was of great service to me. We had a problem where XXXX XXXX XXXXXXXX closed my bank account as well as all debit and credit cards and held us locked to open any other accounts for 7 years, until we submitted a complaint and your service forced XXXX XXXX XXXX to apologize, unlock our account, as well as fix our chexsystem status so that we could open accounts again at any other bank. Rightly so, we left XXXX XXXX XXXX and I was able to open a bank account as well as a business account at XXXXXXXX XXXX. However I still can not open a credit card with the bank or any others due to the first issue I had. Because XXXX XXXX XXXXXXXX created the initial issue for me, blocking my account and thus not allowing me to pay off my credit cards as well as remaining/added debts, my credit score rapidly dropped during this period. Before this issue, on XX/XX/XXXX, we were able to open a credit card at XXXX XXXX XXXXXXXX with no issues. When our account got blocked due to their error, on XX/XX/XXXX they closed my credit card with no explanation. We always paid off our cards on time with a perfect credit report history, up until the point of the banks severe error. My credit score dropped from XXXX to XXXX, and my wifes, XXXX XXXX, dropped from XXXX to XXXX. Once we opened our bank and business account at XXXX, I of course applied for a credit card as i am a business owner with a business account, both things going hand in hand. I got approved and had a credit card through them in XXXX of XXXX, and a month later the bank closed our card without any explanation. We contacted chase and they mistakenly opened a credit card for me, and to contact XXXX XXXX XXXXXXXX as they created the initial problem for us. We did all possible attempts to contact XXXX XXXX XXXX and to no avail with no answer coming back from them to date. Our credit since initially dropping has slowly gone up as we are responsible and 100 % on our payments for everything, however on XX/XX/XXXX we tried to open a credit card through XXXX once again, and were denied due to the bank previously accidentally giving us a credit card and then closing it on us. I am a business owner and for my career and company development i require having a credit card. Any reason that i can not be approved for one, is absolutely 0 % my fault and it is unacceptable that a banks error is pausing my career growth.
03/18/2016	Yes	Credit reporting	Credit reporting company's investigation Problem with statement of dispute	VT 054XX	Web
On XXXX XXXX, 2016, I attempted to resolve an issue with Certegy and their agent or subsidiary Complete Payment Recovery after a billing error at a merchant ( XXXX XXXX resulted in a returned ACH debit. Certegy steadfastly refused to document the dispute or continue the conversation unless I provided my driver 's license number, which the merchant does not have and which was not used in any way in my account relationship with the merchant. There was no question of my having established my identity to Certegy 's call center, since I had verified my name and had received their subsidiary 's notice at the address they had for me. The only reason for them to obtain my driver 's license number would be to attempt to decline checks and humiliate me in a retail store that used their service ; their flimsy " for verification '' excuse for demanding the information reeks of the same " for verification '' excuse used by fraudulent telemarketers phishing for social security and credit card account numbers. I offered during our conversation to pay Certegy the full amount of the returned ACH debit, as they had already advanced that amount to the merchant. They refused unless I paid their fee as well, and would not discuss the fact that the fee was caused by their client and not by me - unless I gave them my driver 's license number. XXXX would think that in an environment where consumers and organizations alike are vigilant about identity theft, a company like Certegy would make an attempt to resolve disputes without collecting information unrelated to the disputes themselves. In this case, however, it is clear that collecting the money is only a secondary concern for Certegy. Their primary concern seems to be creating a complete biography of this consumer so that that information can used for their profit. I have chosen to file this complaint under " credit reporting '' because it is my belief that Certegy is a consumer reporting agency as defined in FCRA. For as long as they claim they do not have to resolve our dispute, I risk having Certegy report inaccurate information to other consumer reporting agencies, which will damage my ability to obtain credit or change employers. Their behavior in this case, if they report the inaccurate information or attempt to humiliate me by declining a check in a retail store, may very well be actionable apart from the instant dispute. I have attached the mailed notice from CPR and a copy of my complaint to XXXX which includes some more details.
09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90063	Web
How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
05/17/2016	Yes	Credit reporting	Incorrect information on credit report Account status	MA 02130	Web
On XXXX, I was declared XXXX by XXXX. I did n't have income and I overdraft my checking account. In XXXX XXXX, I begun to work again and I wanted to pay and continue using my checking account but the bank closed it and told me I have a balance for {$1500.00} aprox. I told them I wanted to pay and asked if they could give me a discount, they agreed to discount % XXXX so I paid {$1200.00} aprox and they open another checking account. On XXXX XXXX, I open an account with a credit union offered as benefit from my employer and after gave the member number, online access and pay {$20.00}, they sent me XXXX line email asking for proof that I took care of that balance. I was n't sure what they were talking about, because I have no knowledge of any balance with my bank so I asked them to provide any information so I could verify it. The credit union wont provide the a copy of the information but when I told them I would need some info to find out what was happening they told me that it was reported to chexsystems in XXXX XXXX and with a {$1700.00} aprox balance and that the checking account was closed by them, with a mark of " abuse ''. I asked them what does it mean and they told me I overdraft the checking account. I told the credit union that that info was n't right, that it 's an error and asked them what they want me to do to demonstrate it. The lady, who is the credit union CEO, told me that no matter what I show to her she will not allow my account. Two days later I received a check for {$20.00} and no explanation of expulsion. I have been wrongfully expelled, I talked with the bank and they told me they will updated chexsystems between the last Saturday and the next XXXX and also they will provide a letter specifying I paid on XXXX in full and there is no balance. When I talked by phone with the credit union to apply for membership they treated me normally but when I arrived to the branch they changed completely and ignored me until they saw I stayed there waiting for them to attend me. Then they made all the process impossible, first to get the member number, then the online account, then the verification of the balance with the other bank. I even offered to show the statements so they could see I paid the balance but first the asked for a phone number on the bank, then a letter and when I told them I was expecting it in the next few days the CEO told me she did n't care and I left. I also consider they have discriminated against me because national origin and XXXX.
07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MO 63031	Web
You XXXX XXXX have furnished inaccurate information to a Consumer reporting Agency/ChexSystems The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 USC 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies DUTY OF FURNISHERS TO PROVIDE ACCURATE INFORMATION PROHIBTION Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. DUTY : A moral or legal obligation ; a responsibility. ACCURATE : Correct in all details, exact. PROHIBITION : A law or regulation forbidding something As Defined by the IRS. According to this law on XX/XX/2019 - XX/XX/2019 you furnished inaccurate information to a third party who had no part of this credit transaction ( 15 USC 1605 ). Without permissible purpose. In addition to this violation you have also violated my privacy right of consumer law ( 15 USC 6801,6802, and 6803 ). 15 U.S.C 1681s-2 ( B ) Reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if- The persons been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and The information is, in fact inaccurate. I XXXX XXXX opened up a business account with XXXX XXXX. You, XXXX XXXX, chose to open up a report with Chexsystems Report on an individual associated with the account, such as the LLCs authorized signer or the sole proprietor. Because the report is ordered on me the individual and the report meets the definition of a consumer report under the FCRA, the FCRA would apply. In conclusion I have shown that you have been put on notice and that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the law 15 U.S.C 1681s-2 of your responsibility as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to CURE and DELETE this erroneous, inaccurate account from my consumer report.
01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 02128	Web
THIS ACCOUNT WAS OPEN WITHOUT MY PERMISSION OR CONSENT IM REQUESTING WRITTEN DOCUMENTS STATING THEY HAVE PERMISSION AND SIGNATURE AND CONSENT THAT THIS ACCOUNT WAS OPEN WITH MY CONSENT. REQUESTING TO DELETE/REMOVE PLEASE!! OR {$1000.00} PER ACCOUNT AND INQUIRIES!! XXXX XXXX XXXX XXXX OPENED ACCOUNT:XXXX AMOUNT : {$1800.00} THESE ARE INQUIRIES THAT WAS PULLED WITHOUT MY PERMISSION OR CONSENT PLEASE DELETE/REMOVE OR {$1000.00} PER INQUIRIES!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE HELP ME REMOVE THESE FRAUD ACTIVITIES REQUESTING DELETE/REMOVE OR {$1000.00} PER INQUIRIES AND ACCOUNT. THESE ARE THE VIOLATIONS. 15 USC 1681 Q - Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 USA 1681 B - A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. ( XXXX ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( XXXX ) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer. 15 USC 1681 S-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
07/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 349XX	Web
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl, XXXX Last 4 SSN : XXXX XXXX : XXXX Consumer ID : XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MN XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified item listed below remains on my ChexSystems report in violation of Federal Law. You are required under the FRA to have a copy of the original source documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly. '' I demand to know who verified these accounts, and the method of verification. Please also be advised that a verbal confirmation from ( name of bank ) does not suffice as proof of validation. If this matter is not resolved within the next fifteen ( 15 ) business days, I will take further steps to preserve my rights. 1am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Again, let me repeat, you have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it. The law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. Please verify the following account or remove it immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MO 630XX	Web	Servicemember
This is regarding violations of the FCRA by XXXX XXXX XXXX XXXX, in their capacity as a furnisher and user of consumer information. Briefly : The bank generated an erroneous XXXX score that does not match with the contents of my consumer reports, made adverse decisions based on false information, and failed to correct this information. Details : In XXXX 2017 I applied on-line for a checking account at XXXX XXXX XXXX XXXX, in response to an advertised promotion. The application was declined twice, citing consumer reports from XXXX and Chex Systems. This was surprising and unexpected, since my credit history is excellent with zero negative items, and I had never been declined for a deposit account by any bank before. I reviewed my reports from both XXXX and ChexSystems, and found them both to be spotless with zero negative items. I had several conversations with agents of XXXX XXXX XXXX XXXX ( hereafter referred to as the Bank ), including their Executive office. I presented the complete and detailed consumer reports from XXXX and Chexystems, pointed out that they contain zero negative items, and requested a manual approval of my application. The Bank claimed that they can not consider these reports, and they only go by the 'XXXX Score ' included in their original letter of denial. The Banks letter of adverse action contains a XXXX score of XXXX, a very low score that does not match with my consumer reports. Considering that my FICO score is XXXX and none of my consumer reports contain any negative or derogatory items, a XXXX score of XXXX has to be an error. The Bank first claimed I had to dispute this with ChexSystems. I did so, and ChexSystems claimed it is not them but the banks who generate XXXX scores. So it appears that XXXX XXXX XXXX XXXX had generated a false XXXX score, and made an adverse decision against me based solely on that erroneous score, without considering the actual contents of my consumer reports. This adverse action now causes a continuous negative impact on my future consumer reports. Despite my repeated requests to correct this score and remove the erroneous entries from my consumer reports, the Bank has refused to take any corrective action. I am attaching my most recent correspondence with the Bank, which explains the problem and my requested resolution in detail. If necessary I can provide additional evidence, including prior correspondence and my full consumer reports. Thank you.
06/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30338	Web
ChexSystems Attn : Consumer Relations XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX RE : Account Abuse ; UNPAID in the amount of {$330.00} reported by XXXX XXXX XXXX on XX/XX/XXXX ( RTN : XXXX # : XXXX ) To Whom It May Concern : This letter is regarding reference number : Above reference ACCOUNT ABUSE/UNPAID ACCOUNT under my name, social security number and Georgia Drivers License Number. This is a formal letter that your claim is disputed. This account was PAID IN FULL on XX/XX/XXXX. I have accompanied a copy of that payment to XXXX XXXX XXXX ; Therefore, I am requesting the immediate removal from your records. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) Section 807. False or misleading representations ( 15 USC 169e ) ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election or waiver of status. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX or XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX DL : XXXX GA Page 2 of 2 P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer
05/26/2016	Yes	Credit reporting	Credit reporting company's investigation Inadequate help over the phone	WV 26101	Web
I tried to cash my WV XXXX tax refund ( {$97.00} ) at XXXX on XXXX/XXXX/16 at XXXX. I received a notice that my check was declined by Certegy. When I called the number on the receipt, I received a recording that it was nothing I did wrong and that I should take my check to a non Certegy retailer. Then the call just ended. I was not given an option to speak to anybody. It did this at least 6 times. Finally, I googled Certegy to get a number. I spoke with XXXX ( Rep ID # XXXX ). I asked why it was declined and she refused to tell me. She said that she could not give me that information because I was not the owner of the account. She also said the WV Tax Dept. needed to call them to verify the check before they could clear me out of their system. I called the WV Tax Dept. After being on hold for almost TWO HOURS, I was told that there is nothing wrong with the check and that Certegy has declined almost all refund checks from the State of WV this year. The Tax Dept. says they will not call because they have had SO many reports of this happening that they just do not have time or enough staff to call on each and every check. I have never written a check so I know that I have no bad checks outstanding. I do not have a bank account, can not afford to open XXXX and should not have to do so. Certegy is refusing to okay my transaction without telling me why. It just seems like a huge run around - the merchant says it is Certegy 's fault, Certegy says it is the Tax Dept 's fault and the Tax Dept says it is Certegy. I just want my money as I do n't make much and really need it. This is unfair for Certegy to decline transactions without giving me a reason or making it appear that I have done something wrong. If it is nothing I 've done, and it is a government check that is valid, they have no reason to decline the transaction. In addition, getting any information on why it was declined or how to fix it has been a nightmare. Certegy should not be allowed to commit fraud in the name of " fraud protection ''. While on the phone, they offered to sign me up for a free " VIP '' service that will monitor my credit report. I have never had a credit card and have no reason to have a service like that. I believe Certegy is declining my check in order to enroll me in a service that I will end up paying for in some fashion. Please make them stop this!!! I have no idea who else to call or how else to fix this situation.
02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 902XX	Web
Chex Systems Reference ID is XXXX XXXX XXXX Chex Systems is illegally reporting business data on my Personal Chex Systems to support XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Louisiana. XXXX ) I, XXXX XXXX, have not written any Checks for XXXX XXXX Bank in over 24 Months after discovering that XXXXXXXX XXXX XXXX had illegally allowed XXXX White Women XXXX XXXX XXXX and XXXX XXXX to write checks and to transact business on my business accounts as though they were the owners of my XXXX Owned Business. I am the sole and only legal owner of XXXX XXXX XXXX. I reported to the bank that I suspected XXXX XXXX XXXX pretending to be me, and my business had committed Fraud using my business account XXXX and that the bank had allowed additional accounts to be opened illegally as belonging to me XXXX XXXX. XXXX ) I reported that thousands of dollars were missing in my business account XXXX, and I requested a full audit from Branch Manager XXXX XXXX on XX/XX/XXXX - See attached XX/XX/XXXX. Multiple requests were made by email and by phone to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX From XX/XX/XXXX I requested that all Auto Drafts be cancelled, and I requested that the account be closed XX/XX/XXXX and stopped all known merchant drafts. XXXX ) Despite several requests from XX/XX/XXXX to today I have not received any notations of a Closed account, or monthly statements from XXXX XXXX XXXX, nor have I received any reports from the Audit I legally requested prior to closing my accounts. Please immediately have Chex Systems Remove the False notation from my report from XXXX XXXXXXXX XXXX being fraudulently reported as a Personal Transaction by me XXXX XXXX. I have not done these transactions, nor have I written any Checks that had an NSF that related business drafts are not related to my activity and should not be reflected on my Personal Report. Please investigate all banking transactions at XXXX XXXX XXXX transacted as XXXX XXXX and XXXX XXXX XXXX. I did not receive Monthly Statements, Wire Confirmations, and any information regarding the false data being reported to Chex Systems as of XX/XX/XXXX as mine. These are not and can not be my banking transactions. These transactions should not be on my personal reports. An update must be sent by Chex Systems to all banking authorities requesting my banking details. See Supporting Documents attached. Thank you, XXXX XXXX
10/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75068	Web
I was a victim of identity theft/fraud. I lost my bank card while on vacation in XXXX. I received a notice from XXXX XXXX XXXX, stating my account was overdrawn. I went in branch to investigate, and was advised there were fraudulent checks going through my account and XXXX was returned for forging signature. The account was closed and my cards shutdown. Even though they know my card was stolen, I was forced to pay the overdrawn amount which was {$9700.00}. Now, on my XXXX and Chex systems credit file and report, its showing that I was committing checking account fraud. I contacted XXXX XXXX XXXX and ask that they update my account internally and with the credit/consumer reporting agencies. I was told I have to contact them personally. i have written multiple letters to Chex Systems and XXXX, providing proof that i did non of the transactions and I have no knowledge of if, I lost my card and this has been the pending result, they either send me back to XXXX XXXX XXXX or say the information is correct. either way I keep getting the runaround. I asked for details example the name of the person they spoke to while investigating, proof bearing my wet ink signature or any documents and up to this day, they have not provided me with anything. Under the FRCA I asked them to remove all unverified, derogatory information from my report being they can not provide any documented or verifiable proof, they have not done that either. Due to the derogatory, unverified information XXXX bank who was my main bank for over XXXX years immediately closed all my accounts and ended all relations with me. Same thing happened with other banks I had accounts with. This derogatory information has been a huge burden on me and huge inconvenience with financial institutions. I was denied opening a new bank account because of this. I did everything they asked even paid the balance, I wrote, called, plead n begged. I'm at my last resort now, I'm tired of the back and fourth honestly. I feel like I have been getting computer generated replies, because its the same thing over and over. I'm kindly asking you to step in and help please. Any proof or additional information you need please don't hesitate to ask I'm a hard working honest young man, no arrest or criminal history. Thanks in advance XXXX Institutions are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX chex systemsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	CA 94404	Web
- XX/XX/XXXX, I called XXXX XXXX XXXX and found there were XXXX fraudulent XXXX XXXX XXXX 's accounts, checking and saving, of opened in my name. It's ID Theft, and I was asked to report it to the Policy department. - XX/XX/XXXX, I filed an FTC report, XXXX, https : //www.identitytheft.gov/ # /account/login - XX/XX/XXXX, Called XXXX Fraud department, XXXX, to report fraudulent accounts, XXXX Claim numbers : XXXX an XXXX. - XX/XX/XXXX, Mailed the required documents to XXXX Fraud department. - XX/XX/XXXX, Got the police report with the hidden information about the information of the theft. - XX/XX/XXXX, Received a letter with the investigation results from XXXX - XX/XX/XXXX, Called XXXX Fraud Department with XXXX, XXXX XXXX XXXX. I was asked to fax my questions with the claim numbers to XXXX and your preference of reply. - XX/XX/XXXX, Called XXXX Fraud Department with XXXX, and was asked to fax XXXX to request cases reopen and records. - XX/XX/XXXX, Fax 6 pages to XXXX. - XX/XX/XXXX, Called XXXX, XXXX said both cases were closed because they didnt receive the FAX. XXXX re-open the cases, and will communicate by mail. - XX/XX/XXXX, Called XXXX with XXXX for XXXX Claim numbers : XXXX an XXXX, and XXXX said both claims were not re-opened for further investigations. Both accounts were closed. The representative submitted the re-open request to the analysis team and need another XXXX business days. - XX/XX/XXXX, Called XXXX with XXXX, and was asked to send my request to the Care specialist, XXXX, because she can help me with my request. - Since the specialist can't help, XXXX and I called XXXX to request the documents. - XX/XX/XXXX, Received documents with the resolution results from XXXX via the wrong email address, XXXX. - XX/XX/XXXX, XXXX and I called XXXX to request the bank statements, account application form, identity used and power of attorney. - XX/XX/XXXX, Called XXXX and was told that XXXX form was requested. I haven't received the requested documents, bank account application forms, identity used, and power of attorney. XXXX and I have called XXXX to request documents since XX/XX/XXXX. We called XXXX on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, but XXXX doesn't give me the documents about account application forms, identity used and power of attorney.
12/28/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	SC 29708	Web
Chex system actually wrote back to you and lied. The police said that there is no shelf life or expiration date for a police report when it contains similar offences over the course of years to follow. Check system seems to want to feel that the police should do things differently and that what they like. The law clearly states that I need to file a complaint with them that the information is fraudulent and they have no more than four business days to block it. If they find they blocked it and error then they can add it back. The police do n't have to do their job and I do n't have to do their job I 've done my part according to the law of the fcra section 605b. I 've complied with that and they have broken that law. Please write to them with this complaint and tell them they can not rewrite the laws because they want it that way petitioner Congress people and have the Congress people rewrite the laws but they have to follow the laws as written. And there 's no shelf life for police reporter investigative report for ID theft and they 're absolutely is no leniency if they do n't react within 4 business days. We 're talking years now and they still have not complied at all. Have them answer to these charges because they are a XXXX percent factual. I 'm a victim of identity theft the court found that and the police found that I do n't have to constantly defend myself because an agency does n't want to follow the law. Have them remove this information immediately. XXXX XXXX XXXX Bank and XXXX XXXX XXXX. After the police report was concluded XXXX Banks tried to take me to court saying that I was using an alias and they lost. That 's the dismissal that was voluntarily done by the XXXX Banks. So much for the shelf life of a police report because this was the next year. I did n't have to file a new police report the courts accepted that XXXX from XXXX this dismissal was XXXX. The letters that have gone out for my attorney to these entities are dated XXXX of XXXX and they do n't feel I need to file a new police report because the police do n't want it and they know the law too. Check systems needs to be called out and have them follow the law they ca n't rewrite the law because they want to and they do n't like it. No argument they make is valid at this time unless the law gets Rewritten. Act according to the law ChexSystems not what you want the law to be.
10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85208	Web
I disputed incorrect information on my ChexSystems report, requested a full investigation and a deletion of the incorrect accounts but did not receive any. Although I provided all the necessary information required by law on my part. ChexSystems has REFUSED to reinvestigate my disputes even though in their letters it clearly states that I have the right to dispute the incorrect information on my report. Under Section 611 of the FCRA, consumers have the right when it comes to disputing items on their ChexSystems reports. Section 611 is often referred to as the " Reinvestigation of Disputed Information '' section. ChexSystems has refused to follow this law and reinvestigate the submitted dispute. I did contact ChexSystems by phone to understand these issues but the representative hang up the phone on me mid conversation. They also sent me a letter on XX/XX/2023 and 3 days later claimed that the letter was sent out by error in another letter. In accordance with the Fair Credit Reporting Act The accounts # XXXX/ACCT # : XXXX / XXXX and XXXX/ACCT # : XXXX / XXXX have violated my rights. 15 U.S. Code 1681c2 - Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. If ChexSystems can provide any exceptions to this section of the law then they shall provide me with a clear reasoning. I request color copies of my Identification including my Social Security Card used to open these account. If ChexSystems can not satisfy any of these requests or follow any of these consumer laws, then these incorrect items must be deleted and blocked from my file.
11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28262	Web
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, North Carolina, XXXX ( XXXX ) XXXX XX/XX/2022 Subject : REQUEST TO REMOVE THE FRAUDULENT ENRY I am writing to dispute a fraudulent items on my credit report. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of Identity Theft. I am writing to dispute a fraudulent items ) on my credit report. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft. Thus, I am requesting that the fraudulent items ) be removed from my credit report immediately. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : 1. Proof of my identity ( Notary Acknowledgement ) ; 2. A fraudulent item ( s ) list ; 3. A copy of my Identity Theft Report supporting my position ; 4. A copy of section 605B of the Fair Credit Reporting Act ( " FCRA '' ), which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information ; 5. A copy of section 615 ( f ) and 623 ( a ) ( 6 ) of the FCRA, which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing.30 days window so as to avoid any FCRA violation. Please investigate this matter and remove the fraudulent entry immediately. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX I am disputing this claim due to : I Have no Knowledge of these Bank Account 's. They are Fraudelent and I am requesting that it be removed immediately. I have recently found out that my information was involved in a data leak. This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.
01/03/2017	Yes	Credit reporting	Credit reporting company's investigation No notice of investigation status/result	IL 60634	Web
I sent numerous letters to Chex Systems to verify or delete XXXX XXXX XXXX from my report and they have reinserted this account after they deleted it back in XX/XX/XXXX. I will be attaching the proof here as Chex System could n't verify it to begin with and still can not verify this account that 's reporting on my report negatively. I have never been notified by Chex Systems to even reinsert this and only found out when I tried to open a checking account and was denied. I will include copies of letters received and recent letters that were mailed to Chex Systems. Under FCRA 611 15 U.S. Code XX/XX/XXXXi ( B ) Requirements relating to reinsertion of previously deleted material : ( i ) Certification of accuracy of information If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion -- ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. I was never notified nor was I ever mailed any documents verifying this account. I 've also contacted XXXX XXXX XXXX as per the address they included and it was returned to me, copy attached. I demand this deleted immediately.
07/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 40216	Web
Chex systems is not following the laws of the FCRA, they have decided to leave a fraudulent account on my Chex systems report and the have never provided me with proof bearing my signature proving the fraudulent account with XXXX XXXX. XXXX XXXX has corresponded to me twice stating that they have never received a dispute from Chex systems. I have included the correspondence. It is evident that one of the parties are lying and the parties need to be held accountable for this and the fraudulent item on my Chex system report needs to be removed immediately! The dates of all of this is from XX/XX/2021 - Present XX/XX/2021 CONSUMER ID : XXXX the statement following is what was sent to Chex systems : I HAVE ALREADY FILED A DISPUTE WITH CHEXSYSTEMS ON THIS ACCOUNT AND ACCORDING TO CHEXSYSTEMS YOU STATE THAT IT IS VERIFIED YET YOU DID NOT PROVIDED ME WITH THE DOCUMENTATION USED TO VERIFY THIS FRAUDULENT ACCOUNT. I NEED VERIFICATION AND PROOF OF MY SIGNATURE ON ANY OF THE FRAUDULENT BANK DOCUMENTS. I HAVE SENT YOU MY FTC IDENTITY THEFT REPORT WHICH YOU HAVE COMPLETELY DISREGARDED THE FCRA 'S RULES AND REGULATIONS IN WHICH YOU SHOULD BE FINED. THIS SHOULD BE REMOVED IMMEDIATELY AS THIS FRAUDULENT ACCOUNT HAS PREVENTED ME FROM OBTAINING A BANK ACCOUNT. I HAVE NEVER HEARD OF XXXX XXXX UNTIL I SAW THE FRAUDULENT ACCOUNT ON MY REPORT IN XX/XX/2021. I HAVE ALSO BEEN IN CONTACT WITH XXXX XXXX AND THEY HAVE INFORMED ME ON 2 OCCASIONS IN WRITING THAT AS OF XX/XX/2021 THEY HAVE NEVER RECEIVED A DISPUTE FROM CHEXSYSTEMS. SO I HAVE THE PROOF TO PROCEED WITH A LAWSUIT BECAUSE THE LETTER FROM XXXX XXXX STATING THEY HAVE NEVER RECEIVED A DISPUTE FROM CHEXSYSTEMS ON 2 DIFFERENT OCCASIONS IS CLEARLY STATING THAT EITHER CHEXSYSTEMS OR XXXX XXXX IS LYING. PROOF WILL BE ATTACHED. YOU HAVE 15 DAYS TO VERIFY THIS INFORMATION AND TO PROVIDE ME WITH A DOCUMENT BEARING MY SIGNATURE. IF YOU CAN NOT, I AM DEMANDING REMOVAL UNDER THE FCRA. EITHER XXXX XXXX OR CHEXSYSTEMS IS COMMITTING A CRIME BY CHEXSYSTEMS LYING AND SAYING THAT YOU VERIFIED MY INFORMATION AND OR XXXX XXXX LYING SAYING THEY HAVE NEVER RECEIVED A DISPUTE. WHOMEVER IS NOT TELLING THE TRUTH IN THIS MATTER IS VERY UPSETTING AND THIS TIME IS GOING TO BE RESOLVED BY REMOVING THIS FRAUDULENT ACCOUNT OFF OF MY REPORT. I AM FILING WITH THE APPROPRIATE AGENCIES TO GET THIS RECTIFIED IMMEDIATELY.
07/11/2016	Yes	Credit reporting	Incorrect information on credit report Account terms	PR 00791	Web
XX/XX/XXXX Certegy was fined $ XXXX by the FTC for inaccurate reporting to credit agencies and for making it overly challenging for consumers to have it corrected as Certegy Refuses to do the proper research as required by law. They are still operating under these procedures and I am tired of this company destroying my credit. Certegy claims that in XX/XX/XXXX I had a check returned and unpaid that I wrote to Go-daddy. I have pulled up the receipt from the XX/XX/XXXX transaction with XXXX and it shows that it was paid with a credit card and settled in full immediately. I contacted Certegy and they stated that they have no records of the transaction but they continue to report to the credit agency that the check was a write off. The only possible explanation I can think of ( which I had to make up in my mind because there is no evidence of it ) is as follows. I had XXXX XXXX set up to pay by electronic check. When I moved to XXXX and opened a new account the payment did not clear as I had the old account closed. This showed as a returned e-check but was immediately paid by the secondary payment option ; my credit card. However ; Certegy stepped in the middle and says I had an unpaid bounced check. Certegy tells the credit agency it was never paid but then tells me they have no record of the transaction. I have the paid receipt and credit card transaction. How is it possible Certegy can claim to the credit agencies that I had a returned check on XXXX XXXX, XXXX when I have a paid credit card receipt for the transaction on XXXX XXXX XXXX, they tell me they have no record of it, AND ; I still have the XXXX account, have run thousands of dollars through it and sold the URL that was paid for in that transaction to another party 18 months ago. I have pulled up my XXXX account going back to XXXX and there is no returned payment for {$81.00}. However ; there is an {$81.00} paid transaction on a credit card on the same date. I have attached the receipt and the account history. I have been trying to get this off of my report for over two years. All Certegy and the XXXX XXXX do is send electronic messages instead of doing actual research like they forced me to do. I should not have to be the one to prove my innocence in this case. If they are going to put something on my credit report they should have to prove their claims.
11/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 95531	Web
Although notices have not been properly given to me, I discovered numerous inquiries to ChexSystems. None of these were made with my consent. There are many incorrect " personal identity '' items on my ChexSystems credit report, which identity thieves can then use to " identify themselves '' as me. ChexSystems uses personal identity information " challenge '' questions to provide a credit report online. ChexSystems uses an address on XXXX XXXX in XXXX as one of the challenge questions I need to know the answer to in order to be " identified. '' I have never lived anywhere near there. The address does not appear on my ChexSystems credit report and ChexSystems refuses to disclose the source of that challenge question so I can have it corrected. ChexSystems refuses to act on or respond to my written dispute from my attorney that was SIGNED BY ME AS WELL, demanding a notarized " power of attorney ''. Although this is a matter of urgency and my attorney communicated to ChexSystems via fax, ChexSystems not only refuses to act, it sends its response by very slow regular mail rather than by fax or email. ChexSystems runs an online system that apparently allows automated inquiries. In every, or most, cases the inquiries are rejected -- this means both ChexSystems and the " furnisher '' know that I, the consumer, did not consent to the inquiry. Nevertheless, they proceed to pad their credit data on me with false data they will not remove, and which can be exploited by identity thieves. This all takes place in the " subprime '' market and the activity is not disclosed on the " main 3 '' credit reporting agency reports and alerts. Finally, XXXX ( which did not have my consent to access my credit ) sent me a reject notice for " my application '', disclosing to me that it had accessed ChexSystems. Additionally, there is no negative information in the ChexSystems report, but ChexSystems refuses to disclose the reason for the rating it sent to XXXX. Because FCRA requires my Identity Theft Report to contain the items that are false in order to demand they be blocked, I am including those in an upload attachment to this complaint. With respect to uploads, however, there is a discrepancy in CFPB instructions : ( 1 ) don't reveal personal information and ( 2 ) upload documents, letters, etc. related to the complaint.
10/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75230	Web
This complaint is being made by me there is no third party involved. I am a victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e., title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credit, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my Social Security number has been used unauthorized, and without consent and written or verbal permission. My Social Security number information was breached, and alleged creditors have used my Social Security number and are in violation of the privacy act of XXXX etc. unless they can prove a written contract exist. Furthermore, they are also in violation of the Graham Leach Billy Act 15 U.S. Codes section XXXX XXXX has removed the fraudulent inaccurate addresses and email address on my consumer report but has failed to comply with the Fair Credit Reporting Act and remove the fraudulent in accurate account from XXXX from my consumer report. If this fraudulent an accurate account is not removed from my consumer report within four days as required by the FCRA, I will file a lawsuit for damages for civil liability for willful noncompliance. pursuant to 15 U.S.C 1681n. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Indeed, no more than an affidavit is necessary to make the prima facie case. United States v. Kis, 658 F.2nd, 526, 536 ( 7th Cir. 1981 ) ; Cert Denied, 50 U.S. L.W. 2169 ;
05/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY XXXXX	Web
I am a victim of identity theft. I have previously disputed items within the ChexSystems report and I have now received responses to my disputes from ChexSystems. In the responses to the disputes ChexSystems acknowledged that they received a copy of the police report I filed, however they said they could not use the police report because the information stolen could not be used to open bank accounts. The police report states that the items stolen from my office include : my social security card and my passport which includes my date of birth. ChexSystems is not correct when they have stated that the police report was not sufficient. ChexSystems continues to report addresses on my ChexSystems report that are not mine and do not belong to me and that I have never lived at. Being in the middle of identity theft and is hard and ChexSystems is making it much harder to prevent further security threats to my identity by continuing to report addresses that do not belong to me. I have now filled out an FTC affidavit of identity theft and have listed all the addresses on the affidavit that are not associated with me. I wish to dispute the following addresses on my ChexSystems report due to fraud : All variations of the following addresses are incorrect and should be removed. XXXX XXXX XXXX XXXX XXXX, Texas ; XXXX XXXX XXXX XXXX, TN ; XXXX XXXX XXXX XXXX, TN ; XXXX XXXX XXXX XXXX, TX ; XXXX XXXX XXXX, TX ; XXXX XXXX XXXX XXXX, Texas ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas If any of these addresses were reported to ChexSystems by a financial institution that financial institution did not have my authorization to view, access or update my ChexSystems report and thus ChexSystems may not use that as a reason to keep reporting the incorrect information. I am also disputing the following inquiries that are appearing on my ChexSystems report and were not authorized by me : XXXX XXXX XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX I have previously disputed the inquiry from XXXX XXXX XXXX XXXX XXXX XXXX - date XX/XX/XXXX. I disputed this directly with XXXX who told me they were requesting a removal from my ChexSystems report but it is still being reported.
05/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48127	Web
I have been trying to open business account with my credit union to get my PPP funding and XXXX XXXX XXXX has incorrect information reporting to Chex systems as fraud/acct closed/ nothing paid showing to chex systems. I contacted XXXX and there system does not show any of this. XXXX says there system shows closed account nothing owed upon closing. They even have record of them sending out XXXX cent refund. They tell me they do not see what chex system says is showing and no way for anyone to generate any letter to chex systems because the system does not show any negative balances due. Finally talked with risk manager at XXXX who said well send in a copy of chex system reports and go from there. I tried calling XXXX risk/recovery depts for fax or email to send paperwork too and all says fax has to come from institution. I go into XXXX location and have them fax. I went into XXXX and the reps faxed copy of XXXX balance due paperwork to chex systems then I asked for them to fax copy to their risk and or reocovery depts to be updated with what is going on as stated in above paragraph. They proceeded to call the depts to get fax number and both depts gave XXXX admin run around like I had been getting back and forth to each dept stating this dept has to handle this, in the end XXXX admin had both depts on line together as they spoke and no one had a fax number that paperwork could be sent too. they stated that they were working from home and no fax to give. one did provide a address for mailing paperwork to Florida ; however, My loan money is being held at another institution I'm at risk of losing my home and need resolution asap before my funds are returned and i can not get another ppp loan and my family and I will be out on the streets. I am even trying to open business acct with XXXX so hopefully they can see their own mistake if they too use chex systems to determines eligibility of getting business acct opened at this moment I am at a dead end and need help sent out to higher up heads within XXXX institution. having trouble getting paperwork to XXXX to get Chex systems updated. chex systems will not remove unless they here from XXXX. XXXX says nothing to update, yet the consumer is losing due to XXXX error Consumer is suffering, Consumer will homeless on the streets of Michigan.
02/02/2019	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	PA 152XX	Web
XXXX XXXX company receives my monthly social security payments, and are suppose to have it available monthly on my card. Well, a month ago, someone made an unauthorized purchase in the XXXX XXXX on my XXXX XXXX for {$800.00}. I filed a dispute claim, I live in XXXX Pennsylvania. After, about 15 days or so the XXXX XXXX company put the {$800.00} from the unauthorized transaction back onto my XXXXXXXX XXXX. Now, I was expecting my social security payment for today XX/XX/2019 Only to find out that XXXX was deposited by the social security administration to my XXXX XXXX Account, but that the XXXX company deducted the {$900.00}. Dollars because they said that the XXXX dispute on the prior claim on the XXXX XXXX purchase was not finalized. So, they took my social security XXXX payment because of that. I never been to the XXXX XXXX, I live in XXXX Pennsylvania. I dont buy any products online. The {$800.00} purchase made was unauthorized. And this XXXX XXXX company is not only penalizing me for that unauthorized purchase, but, fraudulently, advance me back my own money, and then the following month of XXXX XX/XX/2019 deducted {$900.00} from my social security again on this fraud purchase made by someone other than myself. They have put me in a vulnerable financial situation in paying my living expenses over the last few months because of their unethical business practices. They have showed not concern for me or providing immediate resolutions to these issues and problems concerning my account. I have been backed up in paying my bills and because of them have experience more health issues. Their telling me, that it takes 180 days on a claim dispute issue, to finalize even tho I live here in the United States and the unauthorized purchase was made in the XXXX XXXX, which I have never been too. Then, they put the money on the card and take it out of my followings social security payment as if they given me a loan on my own money, that they owe me. The {$800.00} and this month of XXXX, {$900.00} They have taken from me via my social security payments. They are giving me nothing but a hard time with retifiying this situation. So, today I have filed several complaints against this company for shady unethical business practices. And I want all my hard earned money return to me immediately.
05/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NV 89502	Web
On XX/XX/XXXX, I made 2 purchases using my XXXX XXXX XXXX provided by XXXX XXXX XXXX in the amount of {$57.00} and {$4.00}. I also made a purchase on XX/XX/XXXX for {$6.00}. All of these charges show as processed through my bank account. On XX/XX/XXXX I discovered my XXXX XXXX XXXX had been restricted due to non-payment from my bank. I contacted my bank and they show that all charges did go through as they are shown on my statement. The first time I contacted XXXX regarding this they told me I would need to wait a few days for it to clear their system and to call back later. The second time I contacted XXXX they told me to call back later because they were having system issues. The third time I contacted XXXX they told me that they showed payments still had not been received and that I needed to contact Complete Payment Recovery Systems, Inc. regarding the charges. Today, XX/XX/XXXX, I contact Complete Payment Recovery Systems, Inc. and they do show that all of my charges have been paid. However, 2 of the charges had to be " resubmitted '' and due to that I am being charged a {$25.00} fee. When I asked them about the fee they told me that XXXX had to notify me of the fee, even though they were the ones charging me the {$25.00}. According to the Complete Payment Recovery Systems , Inc. floor manager that even though they were the ones charging me the fee that based on " cfpb law '' they are not required to provide me with the terms and conditions showing where the fee came from and that XXXX would have to provide that to me. Even though this fee was being charged by Complete Payment Recovery Systems, Inc they assured me that they had no requirement to furnish proof of that fee and did not need authorization to charge my bank account directly. After getting nowhere with that call I contact the XXXX customer line again to ask about the terms and conditions of this fee. I was assured, by agent XXXX, that it was in the pamphlet that had been provided to me when I received the card, but beyond that they could not provide me with the terms and conditions. After repeated attempts with the XXXX agent trying to get some sort of back up or reasoning for this fee, even though my charges went through to my account, I was told that I would have to call back at another time.
01/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92128	Web
It all started sometime back in XX/XX/XXXXwhen I was a loyal and good customer of both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had my bank accounts at the two banks including my 2 checking accounts that this complaint is in reference to. On the same week in XXXX, a very small mistake was made at both banks. At XXXX XXXX, unbeknownst to me, I had deposited an envelope into the ATM machine with insufficient funds. The same week, I had deposited a business check into my account at XXXX which later was returned as insufficient funds. Before I was able to return back to XXXX XXXX to resolve the issue, both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX closed my bank accounts and reported me to Chex Systems. I have resolved the issue with XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and paid them the amount I owed them. I also got statements from the banks stating that I have paid the accounts off and that they will notify Chex Systems to remove the negative reporting. I also sent these letters to Chex Systems as proof. Chex Systems has now had me actively in their system for 5 years now. This has prevented me from opening any bank accounts even until today. I am still unable to open an account which has clearly affected my life drastically. I am a US citizen who was born in XXXX XXXX, CA, USA who has worked very hard, who is very honest, and who was once a very young and successful man before these incidents/reporting 's. Since Chex Systems has kept this incorrect reporting of me even after I have paid the banks off and resolved my issue with them and provided them proof, my way of life has taken a turn for the worst. The inability to open any bank accounts and the negative reporting inside Chex Systems database has led me to close all of my businesses, lose all of my business partners and investors trust and relationships, and has recently finally led to relying on the governments assistance to survive. I am now on XXXX and I have lost all of my credibility in my community. My mental health has declined drastically, and I am suffering from serious XXXX. This is all due to the false reporting and unethical and immoral practice by Chex Systems. There should be a new and improved FAIR system that determines accuracy of reports from banks to the reporting agencies and vice-versa.
08/29/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	TX 78746	Web
I have a victim of identity theft. My identity theft is well documented. Several years ago I banked with XXXX Bank. XXXX Bank had a data breach in which my name, social security number, driver 's license and date of birth were mailed to several thousand people. I am attaching a copy of a letter from XXXX Bank which outlines the date breach and includes a toll free number for you to call to verify the claim of identity theft directly with the financial institution. My Chex Systems credit score has several factors which dictate the score. XXXX of the factors are the addresses listed as well as the inquires from other financial institutions. The following addresses do not belong to me. I have never lived at the following addresses and in some instances the addresses are not even a real United States home address. In other instances they are addresses in states I never lived in. Chex Systems has refused to honor my request to remove these fraudulent addresses from my credit file. The addressed listed make me much more vunerable to identity theft and they lower my Chex Systems credit score. The addresses I am disputing are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Many of these addresses I have XXXX and found belong to apartment complexes. Some have different apartment numbers at the same complex. That should be an obvious sign that this is fraud is not me that has done this. Also Chex Systems currently has several versions of my current address which in some cases list my apartment number and in some cases does not. This also makes me more vulnerable to identity theft as mail could be sent to the general apartment complex building and not to my specific apartment. I am also requesting that all versions of my current address be updated to reflect the correct address which is : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX
09/01/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	FL 32514	Web
I've been filing complaints against this company repeatedly because they can't seem to manage my consumer file correctly. In my last complaint, they told me that Chexsystems had no information about me, which is simply not true. When I checked my Chexsystems account, I found over XXXX different accounts they claimed were clear. Today, on XX/XX/2023, my concern is about a message they sent through their website. Initially, they told me they hadn't removed my dispute with XXXX due to accuracy, but just XXXX minutes later, another message stated that it was removed from Chexsystems. To understand the situation, I ordered another consumer report and found numerous inaccuracies. This is the primary reason for my new complaint. Their communication doesn't match what I see. They initially told me and the CFPB that I had nothing on my file, yet I still encounter numerous inaccuracies. This company isn't meeting its obligations and isn't being fair. If I were to try opening a bank account now, I might face denial due to this confusion. They claim I'm clear, which further complicates the issue. I'm not sure if my report freeze is causing this problem, but I've requested my security pin and am awaiting it. I will certainly question what the agent told me and the CFPB. They should provide me with the information that banks send, not fabricated bills. I've reported identity theft, and although it may not be directly linked to Chexsystems, it's crucial for my identity theft claim with other banks and credit reporting companies. If there truly were nothing on my report, as they claimed, I wouldn't need an identity theft report for them. But I'm dealing with banks and accounts unrelated to Chexsystems, and that report supports my identity theft claim. Chexsystems should consider my disputes of inaccurate information, names, and addresses throughout the year as they assess my identity theft claim. I plan to write a letter to Chexsystems to collect all the names and addresses I disputed this year. This will assist me in my identity claim when I make my police report. Dealing with this company is time-consuming, frustrating, and feels like my rights are being violated due to these inaccuracies. I've been dealing with them for quite some time, and it's an ongoing issue.
05/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 90255	Web
Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! I'm hoping you can help me with fixing the address that is showing on all of my credit reports. My current and correct address is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX I have lived at this address for over 2 Years, so I don't understand why the information is displaying incorrectly on my credit report. I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. I am quite concerned to get this fixed ASAP. I have sent multiple letters to the Credit Bureaus requesting they correct my address. To date, they have NOT corrected the problem. I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... ... Immediately remove ALL addresses that do not EXACTLY MATCH this one. I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! My current and correct address is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX NOT CORRECT. I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease XXXX Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. Please also remove ANY and ALL Phone Numbers listed on my credit report. Please correct these issues Immediately. XXXX XXXX
09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL XXXXX	Web
All of the major credit reporting agencies give me an excellent credit score well above 800. Yet, ChexSystems has reported my score as XXXX. This score has slandered me, characterizing me as a credit risk, and causing banks to deny my application for accounts. I spoke with representatives of ChexSystems and they indicated that the two reasons for their scoring was as follows : 1. The recent number of new accounts that I have applied for ; and 2. The fact that some banks making an inquiry had no prior history with me. Dealing with the second reason first, it should be noted that all of the banks that made an inquiry were banks that applied as a new customer for my initial account. Of course those banks have no history with me, that's why I am a " new '' customer. I explained that to a ChexSystems representative and he acknowledged that it would be silly to damage my credit rating because a bank inquires about a new customer that it has no prior relationship with. As mentioned, ChexSystems also downgraded my credit score because I recently applied for a few new accounts. In todays financial environment, that is a serious problem with widespread consequences. I, like many other people, am struggling to keep up with rising costs and expenses. The simplest way to alleviate the effects of inflation is to invest any available funds at the highest interest available. Interest rates are rising quickly and banks are competing for customers. That gives consumers like myself the opportunity to open new accounts, establish new banking relationships, and take advantage of higher interest rates. And that is exactly what I did. I opened several new accounts to take advantage of the higher interest rates being offered. I explained this to ChexSystems. I told them that my score with the other credit agencies like XXXX was well above XXXX. I have no debt. All my credit cards are current. I never bounced a check. I never closed a bank account with a debit balance. ChexSystems replied that the number of new accounts, when plugged into their credit scoring algorithm, gave rise to a score of XXXX. That score connotes that I am a credit risk and is slanderous to my credit profile. I want ChexSystems to change their scoring so as to accurately reflect my credit profile.
03/27/2018	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	IL 624XX	Web
I went to XXXX in XXXX In where a employee of the same company I work cashed his check I presented my check from the same company was denied by XXXX XXXX XXXX XXXX. I called the phone provide by XXXX and was told they could not tell me why they refused my payroll check. I went to XXXX in XXXX In and XXXX in XXXX IL and they would not cash the check and again given the number for Certegy.. When calling the Automated system does not offer clear way to get information or clear way to dispute there decision. I went to Certegy web page and again no clear way to dispute there decision. The only thing I could see for information was to ask for a copy of my file. I requested the file and waited 2 weeks for it to arrive. While waiting I earned another paycheck and decided to cash it with XXXX mobile deposit. Certegy again denied my check for deposit. At this time I had received my file from Certegy. On the first of six pages it lists all the checks I have cashed or presented for cashing. Beside the item it reads Authorized or Not Authorized reason below with a microscope 99 see reason below.. Under the list it says 99 this transaction fell outside Certegy Guidelines.. The next column is for outstanding items.. Nowhere on the six pages is the an explanation of code 99 other than whatever code 99 is my file was perfectly clear. Again in the six pages there is no place to dispute the decision or find out the reason for Certegy to turn down payroll checks that I work hard. My next action was to call Certegy at a different number that was given to me when they refused my paycheck. I spent an hour on the phone with there representative verifying Identity and going over my file and verifying funds in my employers account. She told me my file look good and did not see a reason for my paychecks not to be cashed. Then the representative told me there was nothing she could do and could not provide me with a dispute Certegys decision. So after all of this I found out they should cash my payroll check. They won't cash my payroll check and did not give me any explanation or way of disputing there action. I go to work and work hard as a bricklayer and Certegy has stop all options for me to cash my check without driving 200 miles to my employer financial institution.
02/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93306	Web	Servicemember
Chexsystems continues to report fraudulent activity on my consumer report. There are 4 inquiries containing a set of last four Social Security Numbers which are not mine. Please see attachment for proof of this as I will not be listing mine or anyone else 's sensitive information in this public arena. They are listed here and on page 5 of the consumer file maintained at Chexsystems under the subsection " INQUIRIES VIEWED BY OTHERS : '' Inquirer : XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, KS XXXX Phone : XXXX Inquiry Date : XX/XX/XXXX SSN Provided : See attachment ( pay attention to the last four of the SSN compared with the last four of MY SSN located on page 8 under the subsection " Social Security Number Validation '' of the file Chexsystems represents belonging to me ) Inquirer : XXXX XXXX ; XXXX XXXX XXXX, XXXX, DEXXXX Phone : Telephone Number Not Available Inquiry Date : XX/XX/XXXX SSN Provided : See attachment ( pay attention to the last four of the SSN compared with the last four of MY SSN located on page 8 under the subsection " Social Security Number Validation '' of the file Chexsystems represents belonging to me ) Inquirer : XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX On Behalf Of : XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : Telephone Not Available Inquiry Date : XX/XX/XXXX SSN Provided : See attachment ( pay attention to the last four of the SSN compared with the last four of MY SSN located on page 8 under the subsection " Social Security Number Validation '' of the file Chexsystems represents belonging to me ) Inquirer : XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX Phone : Telephone Not Available Inquiry Date : XX/XX/XXXX SSN Provided : See attachment ( pay attention to the last four of the SSN compared with the last four of MY SSN located on page 8 under the subsection " Social Security Number Validation '' of the file Chexsystems represents belonging to me ) I have also notified Chexsystems of the following inaccurate personal information reporting on my file. Chexsystems still has not removed the inaccurate, and in some cases, fraudulent material within my file. I am listing them in a separate attachment we will call exhibit 1.
02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28306	Web	Servicemember
XXXX closed my account because of overdrafts and I fixed the overdrafts every single time I transferred the funds as soon as it happened ( immediately ) to fix it. My account was not overdrawn 30-40 consecutive days that is Ally policy so they are breaching there policy and discriminating against me. I also advised them several times I was a victim of fraud because my XXXX card was hacked. I did a police report but I have to wait 24-48 hours for me to be able to print it out but it will be signed an investigator thats what the police officer advised. I dont feel I should be reported to Chex system or my account to be closed because despite if the charges were mines I kept fixing them the ones from XXXX It seems to be that all of them are not mines and Im still working on getting the information from XXXX to confirm that.They got into my XXXX, Afterpay and even my XXXX XXXX Checking account as well as I believe XXXX bank account. I dont know if there will be anymore damage. This isnt my fault. XXXXXXXX XXXX is wrong for closing my account and reporting me to Chex system because I kept fixing my account and I told them about the fraud they did not care, showed no empathy or understanding and closed my account. My other accounts to transfer the money except my XXXX have been changed or I would of fixed the most recent {$18.00} charge off before it was charged off. Im only one person and Im still working on seeing how much and what the hacker has hacked. Talk to me like I was XXXX once I told them I was XXXX and discriminated against me. I apologize this was not my fault or done intentionally. I have transferred {$60.00} from my cashapp to fix the charge off/over draft. Can we please rectify this and give me a chance to look in to this like my other bank accounts have done and also made sure this doesnt happen again by changing my account numbers and my credit cards. Its estimating around {$10000.00} so far the damage they have done and Im still working on gathering more information. I dont know if its going to continue. XXXX allowed this to happened and Im doing my best to fix it. I have school, children, work and XXXX XXXX so things take time. Please be understanding. I will have the police report in the next 24-48 hours. Thank you.
02/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95776	Web
In XXXX of 2017, I opened a checking account with XXXX XXXX XXXX. In XXXX of 2017, I deposited a check into the account that ended up being drawn on an account that had just been closed, although I did not know it. My account was immediately frozen. I called customer service, and they told me what had happened and suggested that I go speak to the manager of the bank branch where I had opened the account, who should be able to lift the freeze. When I went to the bank to see the manager, I was accompanied by my two granddaughters, who are XXXX. The manager stared at them, and it was obvious to me that because he was white, he was making a XXXX judgment on me ( I'm also white ) for having XXXX grandchildren. He was very rude to me and told me that because the deposit I made was returned, it caused several checks I had written to bounce. Although the account was not overdrawn, because I had bounced a check in the first 30 days, he said that bank had to close my account. The manager returned to me the money that was still in the account, and closed it during my visit. He assured me that there would be no negative reporting ramifications from the closure, as it was not my fault. Recently, I attempted to open an account with a different bank and was denied. I obtained a copy of my ChexSystems Report ( as recommended by the denying bank ) to see why I had been denied, and I noted that XXXX XXXX XXXX had reported me to ChexSystems in 2017, indicating they had closed my account due to " suspected fraud ''. This is completely inaccurate. The ChexSystems report also indicated that I had an unpaid amount owed to XXXX as a result of the closed account, which is also inaccurate. I contacted XXXX several times to request that they remove the false information from ChexSystems, but the customer service reps I spoke with said they were unable to do so, but could not provide me any valid reason why ( as they agreed with me as to why my account had been closed and confirmed I did not owe XXXX any money ). The false and negative report by XXXX XXXX XXXX to ChexSystems is preventing me from opening any bank accounts, which I need to do for my small business. I am being harmed severely every day that the false information remains on the report.
06/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
ChexSystems has been repeatedly contacted. I have sent in every piece of documentation, proof, contacted them by phone, contacted them by mail, contacted them online. Without resolution. I am a victim of ID Theft. I am requesting them to block the incorrectly reported inquiries. I have sent in a FTC Affidavit. Per the LAW this goes directly to my local police department. This was Sent to XXXX PD. They are aware of this document and have taken the report number down. ChexSystems still continues to deny my identity theft claims, and simply states they do not have to block any information unless i provide them a law enforcement document that is " signed '' This FTC Report is signed. I will provide the additional detail of what i have discovered on my ChexSystems report. First of all ChexSystems has wrong address ( s ) on file. XXXX XXXX XXXX, XXXX TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. This is just to name a few. They also have three names listed XXXX XXXX, XXXX XXXX XXXX. These two names are not my correct names i want these blocked and deleted as well. I want the addresses listed above taken care of as well. This has gone on long enough, there inquiries are not permissible. I did not grant any bank any permission to open or attempt to open checking accounts. These applications were all submitted online as i am starting to figure out from the companies themselves. Not only that these are DUPLICATING. With a security freeze on file legally no one should be able to check my ChexSystems. YET Chexsystems is abusing FCRA and allowing inquiries to go through. I want all of these inquiries blocked. These inquiries include multiple inquiries from XXXX XXXX, XXXX, XXXX, XXXX Texas, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Not only are these Duplicated they are almost triple and quadruple. These are all fraudulent. I did not grant permission to any of these institutions to apply for checking and or savings accounts or any other product for that matter. My wallet was stolen and my identity was used fraudulently.
03/19/2018	Yes	Money transfer, virtual currency, or money service Money order	Fraud or scam	IA 503XX	Web
My mother purchased a money order with cash on XX/XX/XXXX from XXXX at XXXX in XXXX, Wisconsin. I took the money order to XXXX in XXXX XXXX XXXX, IA on XX/XX/XXXX to cash. To my deep embarrassment, the customer service staff in the XXXX XXXX XXXX, XXXX were unable to cash the money order. Instead they printed a slip containing the telephone number to a company called XXXX. I phoned the number provided immediately, entered the information as requested before having the automated system say that the information does not match due to reason code number 2. I thought maybe I entered the information incorrectly since it didn't match and tried to cash the money order again. The check was declined a second time and a third time with the same responses. After attempting no less than 7 times to cash the money order I gave up and headed home without the much needed groceries. I called my mom when I got into the parking lot trying to understand why a money order paid for in cash could or would be declined. I asked if by chance she used her SSN when purchasing the money order instead of mine, but she said she didn't recall providing one. After trying desperately to come up with some reason why this was happening I concluded that the XXXX staff must have done something wrong. I opted to go to the XXXX in XXXX, IA on XX/XX/XXXX in the hopes that the mistake would be corrected with new staff trying. I spent no less than 2 hours working with the XXXX, IA XXXX staff that included the store manager trying to cash the money order. The staff was able to validate that the check was good and the information I provided ( which included my drivers license and SSN ) matched what was listed on the money order. I was even able to provide an image of the receipt of purchase that my mom texted to me at my request. I sit here with no money and not enough food for my family. Some background - I've never bounced a check because I've never written one. I got a bank account for the first time ever just 4 months ago. I have never had a credit card, car loan or installments. So there is no fricking way in XXXX that this is legit. I have been embarrassed and I am absolutely furious that I do not have access to the money that was validated in their own system.
05/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29464	Web
I discovered in XX/XX/2017 that I had two accounts incorrectly reporting on my Chexsystems report. I immediately contacted Chexsystems and was told that they needed verification of my social security number. I sent a copy of my social security card, yet received a letter that they needed something from the social security office ( other than my card ) showing my social security number. I was able to obtain the requested document from the XXXX, SC Social Security office and submitted the requested document. I had received a corrected report with no information reported, only to later find out that Chexsystems had added an account from XXXX XXXX XXXX with someone having my name, yet a different social security number, address, etc ... I subsequently received a new Chexsystems report showing this account and also an inquiry from a company called XXXX. In addition, Chexsystems sent me bank statements and copies of signed checks from this person 's account. I once again contacted Chexsystems and was told to contact XXXX XXXX XXXX and XXXX regarding these accounts. Neither XXXX XXXX XXXX nor XXXX could discuss these with me due to the fact that these are not my accounts ( I provided my information which was not the information of these accounts on my Chexsystems report ). I was sent an Identity Theft affidavit, but this is not a case of ID theft. The information from XXXX XXXX XXXX and XXXX doesn't match mine. I am sure that these companies are reporting correct information, yet Chexsystems has mixed my file with someone else 's. After yet another call to Chexsystems, XXXX told me that I needed to obtain a police report for them to further look into this. I explained to her that these accounts are from a different ssn and address ( which I never have lived ) and asked her what would be the basis to file a police report ). I did in fact take this information to the police department and they said ( confirming exactly what I told XXXX with Chexsystems ) that this is not a case of Identity Theft, only an error with my Chexsystems file. I have made every attempt to resolve this in a professional manner, supplying the requested information, yet Chexsystems refuses to correct this issue ( which they have acknowledged ).
11/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80817	Web	Servicemember
To whom it may concern I am writing to dispute inaccurate and unauthorized information in my ChexSystems consumer report. I am concerned that this unauthorized information is causing harm to my credit score and overall financial well-being. I have reviewed my ChexSystems consumer report and have identified the following inaccurate and unauthorized information : [ ALL Information listed or being reported without my authority that is currently on my consumer report ] I have not authorized ChexSystems to collect or report any information about me. I believe that the information being reported is either incorrect or has been reported in error. I request that ChexSystems immediately investigate this matter and remove all inaccurate and unauthorized information from my consumer report. I also request that ChexSystems provide me with a copy of the corrected report within a reasonable time frame. I am filing this dispute under the Fair Credit Reporting Act ( FCRA ). The FCRA is a federal law that protects consumers ' rights when it comes to their credit information. Under the FCRA, I have the right to dispute inaccurate information in my consumer report and to have ChexSystems investigate my dispute. I believe that ChexSystems has violated my rights under the FCRA by reporting inaccurate and unauthorized information in my consumer report. I am requesting that ChexSystems take the following steps to remedy this situation : 1. Immediately investigate my dispute and remove all inaccurate and unauthorized information from my consumer report. 2. Provide me with a copy of the corrected report within a reasonable time frame. 3. Cease reporting inaccurate and unauthorized information in my consumer report in the future. I am also considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and with my local district court, XXXX XXXX XXXX XXXX XXXX. I believe that ChexSystems ' actions have caused me harm and injury, and I will be seeking compensation for my damages. I urge you to take my dispute seriously and to take immediate action to correct the inaccurate information in my consumer report. I look forward to your prompt response and resolution to this matter. Respectfully Submitted XXXX XXXX
09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 333XX	Web
Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! The reports are not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
07/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Problem with personal statement of dispute	CA 91605	Web
This complaint submission is in regards to a false credit report by Chex Systems Inc XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX. I have made attempts to rectify this matter with them directly beginning on XX/XX/2022. I spoke with a few representatives who were all extremely rude and refused to give me any information regarding this alleged debt. There has been several letters sent to Chex Systems Inc via certified mail which I requested the company to provide proof bearing my signature, showing that I have a legal obligation to this allege debt. As of today 's date, they continue to not comply and are illegally reporting inaccurate information. On XX/XX/2022 another letter was sent in regards to the report listed on file with Chex Systems Inc. A response letter was mailed back to me, still none of which legally verified the allege debt. They continue to send the same response as they have proven that this debt is not valid, due to the company failing to provide efficient legal judgement. After 30 days of notifying them, still no response from the company once again. Chex Systems Inc has not provided any significant evidence indicating proof that this debt is mine. ( Company 's Response also attached with this complaint ). At this point in time, Chex Systems Inc has failed to provide any proof of debt and/or anything in signature or judgment by law, stating I was obligated to pay the debt or legal owner of it. I have never made any agreement with them or with the original bank/creditor to pay anything nor was I properly notified of this false reported debt. After several attempts to rectify this matter, I am firmly requesting Chex Systems Inc immediately remove me from their systems and confirmation of this action is provided. Chex Systems Inc has failed to honor the law nor provide any competent evidence or any legal obligation. Chex Systems Inc is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions. I will be seeking a minimum of {$5000.00} in damages for each of the following : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violation of the Fair Credit Reporting Act
11/28/2015	Yes	Credit reporting	Credit reporting company's investigation No notice of investigation status/result	GA 303XX	Web
To Whom It May Concern : REF : Violation of the FCRAI have received denial notice 's from different business informing me of their decision was based in whole or in part on information obtained from Certegy Check Services , Inc. XXXX. XXXX XXXX, XXXX, FL XXXX toll free at XXXX Who provides authentication and risk management services to merchants and businesses nationwide '' .I have sent a previous letter to Certegy, by mail, and spoken to customer service representatives over the phone requesting that I would like to file a dispute on the information that they have on file and Certegy have XXXX to do so more then year. According, to Certegy employee XXXX ( Floor Leader ) have given me inaccurate, misleading information different from other Certegy employee XXXX ( Floor Leader ), XXXX, and Al who both are customer service representative, stated to me that Certegy did not do a investigation of my dispute, when I made demand for one, and offer to do a investigation now after more then a year went by. XXXX ( Floor Leader ) informed me that there was a investigation done on XXXX XXXX 2014 and respond from, the ( XXXX ) to denies my claim on XXXX XXXX, 2014 that I did not complain about the product they gave me was misleading and I did n't wanted the product and they can not confirmed any calls, and conversations. XXXX ( Floor Leader ) demand that I pay the debt and debate against me of filing a complaint against ( XXXX ) to return the money back to Certegy, and repeatedly apologize for the others employees given misleading information on my account. Certegy, who did not notify me of ( XXXX ) respond and violated the Fair Credit Reporting Act by ignoring my requests to investigate the items according to XXXX others employee. My previous letter and phone calls -- all stated my reasons for an investigation and these reasons were not frivolous in any way. If I have to, I will file a civil suit in for damages. I take my credit very seriously and their lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. I also ask that there be investigation and that CFPB monitor this company practices. I anticipate your response.
02/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08638	Web
This is in reference to the Consumer Report sent by Chex Systems INC. While checking my report, it came to my notice that Chex Systems INC has furnished an account ACCOUNT # XXXX on my CHEX SYSTEM Report. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties. Therefore, ( bearing information regarding the alleged debt ) by XXXX XXXX XXXX XXXX will amount to Communication. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws.
04/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 91710	Web	Older American, Servicemember
In XXXX of XXXX, I received a 30 year mortgage from XXXX XXXX XXXXXXXX XXXX ( in XXXX, California ) for my home located at : XXXX XXXX XXXX ; XXXX, California ; XXXX which matches my address on my valid California Drivers License. In XXXX of XXXX, I received my " FREE '' annual credit report from " XXXX '' with my XXXX score of " XXXX '' mailed to my home located at : XXXX XXXX XXXX ; XXXX, California which matches my address on my valid California Drivers License. In XXXX of XXXX, I received my " FREE '' annual credit report from " XXXX '' with my XXXX score of " XXXX '' mailed to my home located at : XXXX XXXX XXXX ; XXXX, California which matches my address on my valid California Drivers License. In XXXX of XXXX, I received my " FREE '' annual credit report from " XXXX '' with my XXXX score of " XXXX '' mailed to my home located at : XXXX XXXX XXXX ; XXXX, California which matches my address on my valid California Drivers License. On XX/XX/XXXX, I opened up a " Savings '' account with a $ XXXX " deposit '' at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX California which is less than 6 miles west of my home located at : XXXX XXXX XXXX XXXX XXXX, California which matches my address on my valid California Drivers License. On XX/XX/XXXX, I received a envelope from XXXX XXXX XXXX located in XXXX XXXX, with a 'Date of Notice : XX/XX/XXXXXXXX '' form letter that indicated ( please see " Attached '' scanned letter that is enclosed of it ) stating in effect that " Chex Systems XXXX Inc. XXXX a company that I have NEVER even heard of before XX/XX/XXXX provided FALSE information on me to XXXX XXXX XXXX which caused XXXX XXXX XXXX to " DISAPROVE '' my " Savings '' account with this fine bank and refunded me my $ XXXX with an enclosed money order. My State of California and my Federal consumer " DUE PROCESS '' rights have been violated by this " Chex Systems , Inc. '' ( company ) because they did NOT even give me any " SPECIFIC REASONS '' why about 2 weeks later my " Savings '' account was suddenly " DISAPROVED '' and closed out. I was born in XXXX, Texas and am a U.S. Citizens. And the above action is unlawful both at the State of California level as well as at the Federal level.
06/14/2021	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	CA 90044	Web
Pursuant to FCRA 15 U.S. Code 1681i, I am requesting that ChexSystems not furnish any information about me concerning my credit file. I believe the information for XXXX XXXX XXXX Account Number XXXX XXXX XXXX is a result of identity theft ; thus, please stop reporting information about me to consumer reporting agencies. Please be advised that I am a victim of identity theft. My wallet has been stolen on several occasions and my information has been leaked in a data breach. Following these events, someone used my name, Social Security number, date of birth, and other identifying information, without my authority, to commit fraud on behalf of XXXX XXXX XXXX, Account Number XXXX XXXX XXXX. As has been noted, an investigation is supposed to involve reviewing documents, researching facts, interviewing witnesses, or comparing handwriting. During my previous dispute process, Chex Systems did NOT conduct a meaningful examination of the underlying facts, which is a mere violation of the Fair Credit Reporting Act. Chex Systems employees are no more than data entry clerks in the dispute and investigation process. Chex Systems did NOT properly review any documents, research facts, or interview any witnesses, such as family, associates and/or neighbors. I am requesting that all information about me and my accounts remain private. I want my name, address and credit data excluded from your marketing lists. In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions. I have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX.
06/15/2018	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	CO 80012	Web
I went to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CO XXXX, at approximately XXXX XXXX, XXXX XXXX of XX/XX/2018 to buy groceries, including getting XXXX dollars cash back on a personal check written from my bank, XXXX XXXX XXXX XXXX. I have written checks many times at that exact location of XXXX XXXX before with no declines of my checks. I was told today by the XXXX XXXX checkout staff to call Certegy, and was given the phone number to call, which is XXXX. I spoke with a woman at Certegy about XXXX XXXX over the phone, and it was a very bad call, and not what I wanted to hear. ( I do not remember her name, but all calls are recorded. And yes, I was VERY upset and I used a curse word and anger filled words because she refused to give me the exact reason, as I asked her several times. We as consumers should never be treated and punished in this way. I lost my father and uncle in the same year recently, so I was very upset. I apologize for the bad words and anger, but you can understand why I was so upset. This should not have happened. ) The amount of the check was for {$110.00}, which includes {$40.00} cash back. Same credit union and same bank as I wrote a check there before at the same location. I have a copy of my Certegy report and NO checks are outstanding or showing returned, so there is literally NO reason why this should have happened. I am upset, humiliated and embarrassed. I feel harassed and insulted to say the least. Consider this a direct complaint against Certegy for the way they treated me and declining my check without ANY EXACT REASON given. A cookie-cutter list of reasons is NOT the exact reason. And she REFUSED to tell me the real reason, which is unacceptable, and should be considered a direct attack on my credibility and integrity. I shop at that store all the time. I will not be forced to use another form of payment, when this is basically the only way I do business. I have been a victim of fraud in the past, so I can not use a debit or credit card anymore. I do not feel comfortable using any form of card now because of being a victim of fraud and theft directly towards me. Please, get on top of this right away for me. I would greatly appreciate it. Thank you.
04/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90620	Web
XXXX XXXX XXXX is violating my rights as a consumer. In accordance with the Fair Credit Reporting Act, reporting information regarding checking account ending in XXXX is in violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c. section ( a ) ( 5 ) states : ( a ) Information excluded from consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX requesting copies of all documentation and information regarding account ending XXXX. I received a letter in the mail that simply stated their investigation had been completed and information was updated. They did not attach anything additional as I asked. They had reported incomplete, unproven, and or inaccurate information to both ChexSystems and XXXX XXXX XXXX about me and this account. Regardless of their inaccurate reporting practices they are in violation of my rights as I have stated above. I have attached a copy of the original letter that I sent to XXXX XXXX XXXX which explained in detail what happened to me as well as a request for documentation that would have helped me understand why my account was closed in the 1st place. They failed to provide me with that documentation. I have also asked for both ChexSystems and XXXX XXXX XXXX to investigate this matter. Both came back and stated that their investigation with XXXX XXXX XXXX has been completed. This account remains on my consumer disclosure with both companies. I also never gave them written instructions to furnish information about me. They are both also in violation of my rights. I have attached copies of both of their response letters.
07/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MI 48103	Web
XX/XX/XXXX, I paid XXXX in cash the full amount of an account that was previously charged off. XXXX alleged it notified XXXX of the same on XX/XX/XXXX. XX/XX/XXXX ( XXXX ), I called XXXX to verify if they had been notified of the payoff ; they denied receiving the information. I called XXXX, XX/XX/XXXX ( XXXX ) again asking confirmation of account being paid off ; again they denied the same. XX/XX/XXXX ( XXXX ) - I filed an online dispute with XXXX providing proof of payment, as instructed by XXXX. XX/XX/XXXX ( XXXX ) I went into a local XXXX branch, asking for documentation as proof of date and time the pay off information was sent to XXXX, XXXX representative said they had no documentation. I asked how they communicated payoff to XXXX, they refused to provide this information. XX/XX/XXXX ( XXXX ) I called XXXX again asking if they received documentation of payoff - Representative said : everything was on hold while investigation is being conducted based on dispute filed XX/XX/XXXX. I asked what that meant. Rep said : documentation was sent to XXXX requesting response of payoff. I asked when was the documentation sent. The Rep said : It 's in process. I stated to Rep - since you ca n't tell me what time, then you obviously have not sent the request to the bank. Rep stated even if bank sent or subsequently sends documentation of payoff, I would not know anything until investigation is completed, that they have 30 days, and results would be sent in writing. Since it takes " seconds '' to put me into XXXX, why ca n't I get answers in " seconds '' to my valid questions? Why have I been lied to by both the bank and XXXX? It 's my understanding that this is all done electronically, and I know that wire transfers can occur within 15 minutes - so why does it take these two entities days to document proof of this transaction? I paid cash, borrowing money to pay this outstanding debt, and I ca n't get a straight answer from anybody. I told XXXX I would be filing this complaint, and I 'm requesting an immediate response. My life is on hold while these two institutions fart around. Please advise at your earliest convenience ( i.e. - immediately ). Thank you for your assistance and cooperation.
07/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30909	Web
In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information. 15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy. 15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
08/29/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	TX 78746	Web
I have a victim of identity theft. My identity theft is well documented. Several years ago I banked with XXXX Bank. XXXX Bank had a data breach in which my name, social security number, driver 's license and date of birth were mailed to several XXXX people. I am attaching a copy of a letter from XXXX Bank which outlines the data breach and includes a toll free number for you to call to verify the claim of identity theft directly with the financial institution. My Chex Systems credit score has several factors which dictate the score. XXXX of the factors are the addresses listed as well as the inquires from other financial institutions. The following inquiries were made without my consent or knowledge. I confirmed with several of the companies listed that the inquiries were made online and not by me. The inquires I am disputing are : XXXX XXXX Bank XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX Bank and XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX Bank XXXX TX XXXX/XXXX/XXXX XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX The XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX Bank XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
01/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76105	Web
I am submitting a complaint against Chex Systems , Inc., regarding their investigation into a dispute I have opened regarding XXXX XXXX XXXX XXXX. I am attaching to my complaint my notice to Chex Systems under Section 609 FCRA. I am a consumer under the FCRA and XXXX XXXX is a Credit Reporting Agency under the FCRA. I am also attaching a copy of XXXX XXXX response to the CFPB which admits to the violations of XXXX XXXX under Section 609 FCRA. Additionally I am attaching a notice of intent to sue and an opinion of a lawsuit filed by the FTC against XXXX for similar violations of the FCRA. Pursuant to Section 609 FCRA companies ( XXXX XXXX ) is required to provide application and business transaction records regarding alleged fraudulent transactions to the consumer in a timely manner. This means that XXXX XXXX is required to ensure that the entity reporting the information ( XXXX XXXX XXXX XXXX ) has supplied the above information to the consumer. XXXX XXXX can not as a matter of practice simply rely upon the creditor to verify the information as accurate or they become equally liable. XXXX XXXX response to the CFPB admits that they have failed to investigate the matter properly because XXXX XXXX only states that XXXX XXXX XXXX XXXX verified the information as accurate high does not comply with Section 609 FCRA. Section 609 FCRA requires certain record to be provided to consumers and in XXXX XXXX response to the CFPB they do not state the documents were provided by XXXX XXXX XXXX XXXX to the consumer. While it is not XXXX XXXX responsibility to provide the required documents under Section 609 FCRA, it is XXXX XXXX responsibility to investigate if the credit reporting entity did in fact provide the required documents under Section 609 FCRA. The response from XXXX XXXX clearly is replete with this information and as part of my complaint against XXXX XXXX I am stating that XXXX XXXX XXXX XXXX has continued to fail to provide the required documents under Section 609 FCRA. As such since more than 30 days have elapsed the derogatory item must be deleted based upon the failure of XXXX XXXX XXXX XXXX to provide this information to me since I did not open account with them.
10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	CA 91402	Web
I got the attached anonymous email from XXXX 's Chex Systems after I emailed them. They are being wholly evasive as to why their webportal did not/does not permit me to dispute what XXXX XXXX bank XXXX claiming is multiple, ( mysterious illicit ) " debit enquiries '' creating an unwarranted Chex Systems report on me. There should be no Chex Systems report on me at all.Chex Systems need to respond to the points herein and clear my name from their system or attach my Chex Systems report to their CFPB response and divulge the identity of whoever generated these mystery " debit enquiries '' and verify they are legitimate and were triggered by and authorized by me, and that their score they assigned me based on them, is legitimate and not disparate. I did not authorize them or, to best of my recollection, apply for any bank account except XXXX in recent years. Their email is deceptive in that it pretends I am not a verified user of the Chex Systems portal. As I already as stated in the attached XX/XX/2023 email to them, I signed up on their portal and verified my ID, which their portal acknowledged last week. I also on the portal requested my file last week and placed a freeze. Both of these facts were acknowledged and the portal stated that my file was en route to me by XXXX along with a freeze pin. This was last week. Nothing in my mailbox thus far. I then understandably tried last week to also switch my preference as to how to receive these documents, to online delivery, ( portal ), clicking on the portal button to change my preferences. I was dismayed to be rejected from that too, it demanded the pin that is supposedly en-route via XXXX Mail XXXX Aside from my initial question in attached email chain as to the mysterious multiple '' debit enquiry '' XXXX XXXX reportings that XXXX offered as cause for account opening denial, and apart from the still standing question of Chex Systems ' complicity in that, what is apparent now is a secretive company that implements catch XXXX circles of evasiveness and deception to avoid accountability and communication with consumers. c. XXXX XXXX XXXX XXXX XXXX XXXX Banking XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	VA 22485	Web
Fraudulent inquiries on my chex system report. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
08/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 770XX	Web
On XX/XX/2021 XXXX XXXX XXXX Closed my checking and savings account, along with my children 's minor accounts with no explanation, I called to inquire about the closure and they stated it was an " executive decision, they refunded my children their funds in the form of a check a couple of months later. I had balance on my account of but I never received a refund, only them reporting I " owed '' a " unpaid '' balance of XXXX which I did not find out until much later, this caused such a inconvience as I had my main monthly income directly deposited into said account. months later I went on to open an account with XXXX XXXX with no issues, along with my children I had no idea what was being reported on checxsystems, until I was in the market for a vehicle. I was approved for a XXXX auto loan through a Credit Union but was not able to move foward with the loan process, because I was made aware of what was being reporting on Chexsystems by XXXX XXXX XXXX, They reported " My account was close due to " fraud ''. I was livid! knowing full in well I commited no fraud, I went into a XXXX XXXX XXXX Branch to speak with a XXXX XXXX, as I called XXXX fraud department on my phone. I was on the phone for a total of 4 hours with still no explanation of what fraud was commited and why they had that listed on " Chexsystems '' ( the consumer reporting agency that All bank use to screen applicants that want to opening any type of Checking or Savings accounts ) or how it could be resolved, the Branch manager was helpful but could'nt tell me anything more than what the rep on the phone was saying I disputed this with Chexsystems to only receieved a letter stating " There was no actual fraud done '' and that the information ( account ) would remain on Chexsystems. They even admited in the response that they did not make me aware of what they reported without to the agency without my permission, This is hindering me as buisness and trying to establish financial security for my children. this has been a complete nightmare. I can not open any other bank account at this moment because of this information that is being reported in Chexsystems by XXXX XXXX XXXX
01/13/2016	Yes	Credit reporting	Incorrect information on credit report Account status	DC 20001	Web	Servicemember
On my Chex Systems Reports ( even up to now ) there shows a balance due to XXXX XXXX for {$800.00} ; this balance due has been discussed with XXXX and resolved as arising out of fraudulence and XXXX XXXX HAS XXXX OUT THE BALANCE DUE = THERE IS NOW NOTHING DUE TO XXXX, I CAN OPEN A BANK ACCOUNT AND AM IN GOOD STANDING. I have written Chex Systems regarding this to update and remove me from their list, because XXXX has XXXX out the old balance and I no longer owe anything ; I have provided lettres written to me by XXXX and everything - yet Chex Systems claims that they have called XXXX and verified the debt as still open and not resolved, they have also claimed that the letters I have forwarded them are not valid/legit/altered, and refuse to clear my name and remove this from my report. I am now attaching yet ANOTHER letter that I have received faxed over DIRECTLY from XXXX - in which one can CLEARLY read and see that everything has been XXXX out resolved. Chex Systems DOES NOT have the right to claim that the writing is not clear, CAN NOT claim that this is not a valid lettre, and XXXX has commented several times to me before that they can find no record of Chex Systems EVER having contacted them to validate my case ( and that if they had of done so, the entrance in Chex Systems would have been corrected/removed ). Chex Systems, like any reporting agency, must follow the rules of the FCRA regarding anything that is reported and then rectified due to Fraud/ID-Theft. Per the FCRA regulations I demand that Chex Systems stop playing games and, per the FCRA regulations, YOU - CHEX SYSTEMS - IMMEDIATELY OBEY the law and remove this XXXX entry from my report per the letter attached and per discourse with XXXX VALIDATING/VERIFYING that the unpaid balance has been resolved to XXXX and satisfied. YOU, CHEX SYSTEMS, ARE OBLIGED AND MUST obey the law - I do not know who you think you are, but if you do n't update my file appropriately and with the proper expedience ( within 4 business days, per the FCRA regarding cases of Identity Theft/Fraud ) I 'll pursue you in court with my lawyer in XXXX as well as a local attorney there in XXXX.
12/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	CO 80904	Web
I had a charge off at a bank account I forgot about of {$20.00}. When I left the account it had {$200.00} in it. The bank charged fees until all the money was gone, and then into the negative. I didn't even know about this charge off, because it never went to collections, didn't show up in my credit report, and I had moved to a new state and was never contacted by the bank. The bank then reported this charge off to Chex Systems. When I moved to a new state, I tried to open a bank account. No bank would provide me an account, because of the {$20.00} charge off showing in Chex Systems. I called Chex Systems to resolve the issue. Chex Systems then said I needed to call the bank to resolve the problem. It took XXXX weeks of calling, often times spending XXXX hours on hold, to finally get a person on the phone. Then, they said they would have someone call me about the charge off. No call after one week. Finally, I got a bank representative on the phone. They said I had to mail a check to them to take care of the charge off. This will now take another 1-2 weeks, because of the holidays. So, in all, I've had to go almost XXXX weeks in a new city, without the ability to cash a check, open an account or pay my bills, over a {$20.00} charge that I could have paid weeks ago. I went to XXXX different banks locally, and none of them would provide me with an account based on the Chex Systems charge off. I was prepared to open an account at all three with a $ XXXX deposit, but still, they wouldn't allow me to, over this {$20.00} charge. In my opinion, using systems like Chex Systems, is just another way for banks to bully consumers. If they are going to just charge off a negative account, they should report it to the credit agency like any other similar situation. And if they are going to use a system that will end up prohibiting people from being able to open a bank account entirely, they need to make it easy to pay off the amount owed. Making people jump through hoops like this is wrong. Not being able to bank in a new city for XXXX weeks has created a huge amount of problems for me. This is wrong and something needs to be done about it.
02/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 775XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX To Whom It May Concern, While checking my most recent report that your company maintains under my social security number, I noticed credit inquiries that I did not authorize, made by the following companies Inquiries : XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my report that your company maintains under my social security number. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : Your Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
12/31/2022	Yes	Checking or savings account Savings account	Problem caused by your funds being low Bounced checks or returned payments	NY 11218	Web
On XX/XX/2022, I XXXX XXXX went to XXXXXXXX XXXX XXXX XXXX to open a savings & checking account. I was told the requirements to open an account was {$500.00} minimum deposit. I told the banking representative that I had just moved to XXXX, IL and I was having my employer direct deposit my work pay into another bank account and that I did not have the complete {$500.00} at the time of opening the bank account with XXXXXXXX XXXX XXXXXXXX XXXX. The banking representative told me that it would fine and that all I need to do is present a check from the other bank for {$500.00} and by the time the XXXX XXXX XXXXXXXX XXXX completes opening my account ( some days ) it will give my direct deposit enough time to clear in my other bank. However that is not what XXXX XXXX XXXX XXXX did, instead they took my check and tried to cash it that same day. When my other bank got the notification for the check they called me and I had to call XXXXXXXX XXXX XXXX XXXXXXXX and ask them why they did that when they specifically told me they would not be trying to cash this check until some days have passed while they are doing their review. After speaking to the XXXXXXXX XXXX XXXX XXXXXXXX banker who opened my account I decided that I no longer wanted to continue opening an account with XXXXXXXX XXXX XXXX XXXXXXXX and I told the banker and also asked her to cancel my application with them. She apologized and told me that they can fix the situation but I said no its fine I do not want an account with them anymore especially if they were not complete honest in telling me how their opening account procedures worked. After telling the banker at XXXX XXXX XXXX XXXX to close my account and any other files they have on me the banker told me she will do that. However some months later I found out that XXXXXXXX XXXX XXXX XXXXXXXX had put a notification on my name in Chexsystems stating that I had committed bank fraud. I called XXXXXXXX XXXX XXXX XXXXXXXX to get an understanding of why they did this and no one has yet to call me back. Since that day XXXXXXXX XXXX XXXX XXXX has also placed multiple inquires on my Chexsystems profile. I need help please.
08/30/2017	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	OR 978XX	Web
On XXXX XXXX XXXX XXXX XXXX received an email from XXXX XXXX with the email address of XXXXXXXXXXXX, which stated my application had been approved to complete surveys. I was asked to verify my information which I did. Continuing, the email then stated that the information would be used for payment to execute my assignment as well as my wages. I received a XXXX email from the same person as above which stated : XXXX assignment to start the next day, Note that a check will be sent to you by XXXX overnight to proceed with the task immediately. I received a check by XXXX on XXXX/XXXX/XXXX in the amount of {$1200.00} at which time I was to deposit in my bank XXXX XXXX Bank XXXX and withdraw funds of {$1000.00} and complete assignment. To complete assignment I was to wire the XXXX to the XXXX store in XXXX, Colorado payable to XXXX XXXX for pick up by her. Then to complete a survey after assignment was processed. On XXXX/XXXX/XXXX I received another XXXX containing another check in the amount of {$1200.00}, was to complete the assignment the same as before to the same location as above and to the same person XXXX XXXX at the XXXX, Colorado XXXX store. Within XXXX minutes my bank XXXX XXXX Bank XXXX contacted me, XXXX XXXX advised he believed this is a money laundering scam and advised me to cancel the transaction and redeposit the XXXX back into my account, which I did. I was also advised to file a police report with the La XXXX XXXX, which I did on XXXX/XXXX/XXXX case # XXXX. He made copies of all documents, check, bank info, receipts. On XXXX/XXXX/XXXX I received a message from XXXX XXXX asking why I had cancelled the XXXX transaction, I told her this was a scam and my bank advised to cancel the transaction and redeposit the money into my account. On XXXX/XXXX/XXXX received a message from XXXX XXXX XXXX additional email that XXXX more checks were coming and to follow directions for the assignments the same as before. Then received a message from XXXX XXXX to shred the checks when I received them. I have no way of attaching all documents to this report but will mail in if I can get an address to send them to.
04/12/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	MA 01610	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Consumer ID : XXXX ChexSystems, XXXX XXXX : Consumer XXXX XXXX XXXX XXXX XXXX, MN XXXX I am XXXX to dispute the negative report that was placed on my account by ChexSystems. I was recently informed of a negative item reported by XXXX of XXXX included in the file ChexSystems maintains under my Social Security Number. According to your records, I have found an entry from the XXXX of XXXX listing a suspected fraud activity on XX/XX/2018 that is preventing me from opening a new checking account. I am unaware of ever having a checking account with XXXX of XXXX. However, I believe that this report is inaccurate and unfair. Please validate this information with XXXX of XXXX and provide me with copies of any supporting documentation for this. In absence of such documentation, I ask you to please delete this information from my ChexSystems and send me an updated copy of my report. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( sce 15 USC, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC. CEPB d the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I understand that ChexSystems is responsible for maintaining the banking records of individuals, and that this information is used by banks to determine whether to approve or deny applications for checking accounts. However, I believe that the information that was reported by ChexSystems is incorrect, and does not accurately reflect my financial history. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims tion against your company. I will be seeking {$5000.00} in damages for the following : Defamation of Character Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act Thank you for your attention to this matter. I look forward to hearing back from you regarding the outcome of the investigation Best Regards, XXXX XXXX XXXX
05/24/2022	Yes	Checking or savings account Checking account	Closing an account Company closed your account	SC 296XX	Web
I requested debt validation from the bank via certified letter on XX/XX/2022. I gave 30 days notice for the bank to respond and provide me with the information that I requested. I received no response. Instead, I received a document from a third party debt collections agency dated XX/XX/2022 indicating the bank had closed my account and the letter stated that they were trying to collect a debt of an alleged amount that I owed the bank. I then sent a second letter of debt validation via certified mail on XX/XX/2022 to the debt collections agency requesting the same information. I also gave this company the courtesy of a 30 day period to provide me in writing with validation of the alleged debt, a true bill of the alleged amount they said I owed them, and a completed corporate government employee questionnaire. I received nothing in response to this first letter to the debt collections agency. I sent a THIRD letter via certified mail on XX/XX/2022 requesting debt validation, and I enclosed a copy of the original letter to the collections agency as well as the certified mail receipt as proof of the original letter. In return, I received a letter/statement from the debt collections agency that claimed this statement was the debt validation I had been seeking. This was a statement, not a TRUE BILL, which only showed one month billing, and an alleged overdrawn account with an alleged amount I owed. They did not provide me with the information I had asked for. I received another letter from this debt collections agency dated XX/XX/2022, stating that I still owe this alleged amount and demanding that I call them. They have not provided me with what I requested. The third party debt collection company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. The third party debt collection company continues to harass me via mailed letters demanding I pay this alleged debt for an alleged overdrawn bank account that was never validated. This agency also continues to provide inaccuracies, unverified, and invalidated debt to credit reporting.
12/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33054	Web	Servicemember
On XX/XX/XXXX, I attempted to cash a check at XXXX XXXX, but it was denied and I was given a print out advising to call XXXX for more information. On XX/XX/XXXX, I called XXXX and requested a XXXX XXXX XXXX Report. Upon receiving the report, I observed on XX/XX/XXXX, check # XXXX for {$350.00} written to XXXX XXXX was never paid, reporting source is Complete Payment Recovery Services with contact information ( XXXX ) XXXX. On XX/XX/XXXX, I called Complete Payment Recovery Services and spoke to Representative, XXXX XXXX, which advised their company no longer holds that debt, and that I should notify XXXX Stores customer service ( XXXX ) XXXX. At that time, I notified XXXX Payment Solutions at XXXX XXXX XXXX XXXX to enter a dispute for nonpayment of check # XXXX for {$350.00} at XXXX XXXX. On XX/XX/XXXX, I spoke to a representative at XXXX XXXX customer service which advised check # XXXX for {$350.00} is, currently, an outstanding debt and that i need to make contact with XXXX XXXX XXXX to make a payment. On XX/XX/XXXX, I made contact with XXXX XXXX XXXX, spoke to Representative XXXX XXXX, and made a credit card payment of {$400.00} with a processing fee, included, confirmation # XXXX. In addition, knowing in my gut that I had already paid this debt, I notified my financial institution on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Representative, XXXX, advised check # XXXX for {$350.00} was paid on XX/XX/XXXX via draft check from XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX and spoke to Accounting Representative, XXXX XXXX, to advise him of this information and he advised me to email Accounting Supervisor, XXXX XXXX at XXXX with the proof of payment. On XX/XX/XXXX, I emailed XXXX XXXX the portion of my XXXX bank statement that represents the payment of {$350.00} on XX/XX/XXXX and a copy of the canceled draft check from XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, Mr. XXXX, advised via email that a refund is being sent to me by mail. Please take the time to investigate this matter. This is an attempt to erase a paid debt. I am looking forward to hearing from you. Thank you, In advance.
11/28/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	GA 315XX	Web
I am writing to resolve the violation of my consumer rights under the Fair Credit Reporting Act, specifically 15 U.S. Code 2068 ( a ) ( 3 ) : ( a ) Designation It shall be unlawful for any person to ( 3 ) fail or refuse to permit access to or copying of records, or fail or refuse to establish or maintain records, or fail or refuse to make reports or provide information, or fail or refuse to permit entry or inspection, as required under this chapter or rule thereunder ; -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Violation # 1 Chexsystems has failed to maintain record of my date of birth and social security issuance date, which they have falsely furnished as 1980 in the consumer report I have attached to this letter. Violation # 2 - ( XXXX XXXX XXXX XXXX XXXX Uknown ) - Alleged transactions or experiences with XXXX XXXX XXXX were included in my consumer report - a clear violation of 15 U.S. Code 1681a - Definitions ; rules of construction : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The consequences for such violations are explained in 15 U.S. Code 2069 ( 1 ) - Civil penalties : Any person who knowingly violates section 2068 of this title shall be subject to a civil penalty not to exceed {$100000.00} for each such violation. Subject to paragraph ( 2 ), a violation of section 2068 ( a ) ( 1 ), ( 2 ), ( 4 ), ( 5 ), ( 6 ), ( 7 ), ( 8 ), ( 9 ), ( 10 ), or ( 11 ) of this title shall constitute a separate offense with respect to each consumer product involved, except that the maximum civil penalty shall not exceed {>= $1,000,000} for any related series of violations.
06/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 95355	Web
Following financial institutions failure to access my ChexSystems report ( receiving a Third-Party Freeze Alert along with the QualiFile Score of XXXX and reason code XXXX ), I contacted ChexSystems over the phone in in XX/XX/XXXX. ChexSystems agent asserted that 1 ) given that there is no security freeze on my consumer file ChexSystems will provide my report if a financial institution requests it, 2 ) third parties information are not used and can not result in ChexSystems ' failure to generate report. In contrast with both of the above assertions, ChexSystems responded to a prior CFPB complaint ( XXXX ) asserting that they refused to generate a report requested by a financial institution ( XXXX XXXX ) although there was no security freeze on my ChexSystems consumer file. Furthermore, ChexSystems admitted that their refusal to provide the report was due to a freeze on my consumer profile at XXXX which is a separate and different consumer reporting agency ( a third party ). Not having XXXX information on file can not be a valid reason for refusing to generate a ChexSystems report. ChexSystems is expected to generate a report to reflect the information that they HAVE about a consumer. If ChexSystems does DOES NOT HAVE some information ( such as XXXX information ), they must simply produce a report without that information ( instead of refusing to generate a report at all ). For all future inquiries, I request ChexSystems to generate my report with whatever information they have on file at the time of financial institution inquiry. As soon as ChexSystems is ready and able to generate my report as requested, I would like them to contact ( email : XXXX, phone : XXXX ) and inform me so that I let the XXXX XXXX ( and potentially other financial institutions in future ) know that they can access my ChexSystems report upon inquiry. Finally, I request ChexSystems to merge and reduce all inquiries from XXXX XXXX into one inquiry, because the only reason that XXXX XXXX made multiple inquiries to open a checking account, was ChexSystems refusal to provide the report upon the Banks first inquiry.
03/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92604	Web
Hi, Recently I was trying to open a checking and savings account with one of the largest banks in the United States of America and surprisingly I was denied. This is the issue. To give you some background about my finances by protecting the fine details about the same. I am a XXXX XXXXr with a very stable financial control and I have a credit score of about ~780 ( I checked all the 3 major credit bureau on the day I went to the bank ). When I went to bank-1 I was denied the checking/savings account and I thought they might not support the state/county I was living in. So, I went to bank-2 which was local to my county, and THEY DENIED it as well. However this bank provided me with the credit score which was being reported as XXXX and I was asked to contact a company called ChexSystems from the bank for more details and they denied my new account. That was the first time I heard about this company ChexSystems and I filled out a form on their website to get a credit report and my credit score, and they reported XXXX. and the 2 reasons they gave was, 1. Few accounts on file 2. NON-derogatory remark present on file. To be fair, # 1 is correct. However I was curious to know what the # 2 was. So I filed a disputed to explain what # 2 was and received same incomplete info which was similar to the credit report they had sent me earlier and they did NOT explain what was the non derogatory remark were they talking about. Being stuck in the middle of these organizations, I had got though emotional roller coaster for not understanding why all the 3 major credit bureaus had 780+ scores and this ChexSystems had in XXXX and then XXXX. So ChexSystem mentioned if I had any question regarding any of the contents in the report, they redirected me to another organization called XXXX organization. and when I checked with them regarding why my score was so low and what was the NON-derogatory remark, they had no clue what it was and that is when I realized something fishy is going with the Chexsystems and that why I am reaching out to you. I am attaching all the necessary documents to support my case.
09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 61704	Web
I am writing to formally request that you promptly remove any claims that have been reported in a manner that is non-compliant and unfair to me. This correspondence serves as my official consumer complaint, wherein I contest the accuracy of the claims included in your notice and challenge you and any other data repositories involved to provide irrefutable evidence that each claim was made in strict compliance with the mandated XXXX XXXX Data-filled Field Formatted reporting standards, including the requirements of fairness, truthfulness, correctness, timeliness, verifiability, and validity. While I do not dispute the validity of the claim itself, nor do I acknowledge it, I do have serious concerns about the adequacy of its reporting, given that federal law mandates that any claim must be reported with the utmost accuracy and completeness. As per XXXX XXXXXXXX, I believe that the integrity of the claims reported by you is questionable at best and therefore potentially unlawful. I respectfully request that you take immediate action to investigate this matter thoroughly and provide me with a satisfactory resolution that upholds the principles of compliant reporting practices and procedures. It is imperative that you immediately and permanently adhere to federal and state reporting regulations in a factual and undeniable manner. The XXXX, responsible for creating the manual for reporting standards, has established requirements for compliant reporting practices and adequate, complete, and verifiable data submissions, and concluded that any deviations from these standards jeopardize the integrity of the data. Your reporting practices are questionable and do not meet even the minimal requirements for the privilege to report. You had the opportunity to report in a manner that is certifiably compliant, but your deviations suggest otherwise. As such, I contest your reporting privileges and challenge you to prove each and every aspect of requisite reporting and adhere to all required adequate practices. I demand that you remove from reporting exactly as I have requested immediately.
12/18/2019	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TN 38104	Web
I am on a now closed joint checking account with my XXXX year old mother. Neither myself or my mother have any business dealings or accounts and have not authorized any ACH debits with XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, or Fidelity National Information Services , Inc. dba XXXX dba XXXX. On XX/XX/2019 an unknown person used Fidelity National Information Services XXXX XXXX dba XXXX dba XXXX service of processing ACH payments and made an unauthorized {$4500.00} debit to the checking account. Fidelity National Information Services , Inc. dba XXXX XXXX XXXX used their prior name XXXX XXXX XXXX XXXX ACH clearing account that is linked to the original predecessor bank XXXX XXXX XXXX XXXX to withdraw the funds from XXXX XXXX XXXX, XXXX. In response to a prior complaint to CFPB the XXXX XXXX XXXX, XXXX verified that the originator of the unauthorized debit was XXXX XXXX XXXX XXXX and it is public record with the Secretary of the Commonwealth of Massachusetts that XXXX XXXX XXXX is the new name of XXXX XXXX XXXX XXXX. All supporting records are attached. XXXX XXXX XXXX, XXXX stated the following in an email, The name of the company who originated the transaction is XXXX XXXX XXXX XXXX. Their address is XXXX XXXX XXXX XXXX MA XXXX. Their phone number is XXXX. In a subsequent email they stated, The originating company ID is XXXX. This layering of ACH debit transactions and willful use of obsolete names shields the natural person criminal from detection. Without being able to identify XXXX XXXX I can not make an accurate police report. Furthermore, I have learned that in ACH fraud crimes where a layer of subpoenas is needed to identify the natural person criminal suspect they are often skipped over by law enforcement in favor of easier to prove cases and may never be prosecuted. Fidelity National Information Services , Inc. dba XXXX dba XXXX XXXX XXXX can identify the natural person criminal suspect with this information : 1. The transaction information : XX/XX/2019, XXXX XXXX, - {$4500.00}. 2. The XXXX XXXX XXXX, XXXX account number of XXXX.
05/31/2020	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	FL 33157	Web
This information that is listed on my chexsystem report and reported from XXXX XXXX XXXX and XXXX XXXX XXXX is inaccurate and fraudulent. My information was exposed in the XXXX data breach twice in XXXX and in XXXX, information exposed on the Dark Web and also in the fema data breach.Supported documents of my information being compromised is attached in this dispute below. My email address was hacked, social security, current and prior addresses, banking information, employer information, passwords and etc. My drivers license was also replaced/ reissued ( states at the bottom ) due to being loss and identity theft. My name was also used and spelled in different ways to obtain bank accounts online and other goods and is documented on file with the credit bureaus. A identity theft report was was submitted when this information was observed by the me the consumer. Disputes were submitted to the consumer bureaus and to chex system and related information was deleted from the credit bureaus from investigation. Monthly security alerts were also placed on all credit files and a freeze is currently on my chexsystem report.I am currently in the pending status of a settlement with XXXX in reference of both data breaches. My information was compromised during a FEMA breach as well. I am requesting for the deletion immediately of all derogatory information and accounts that are associated with XXXX XXXX XXXX on my chexsystem report. This is and was not done by my consent nor did I authorize it this fraudulent activity. The derogatory remarks and information has prevented me from opening any accounts due to this matter that was falsely reported with Chex System. I have received numerous of harassing calls as well stating I will be prosecuted and also a collection agency attempting contact via phone to collect funds not owed to them. I am in process of legal action. 1 ) Please provide physical in person debit/ credit card obtainment and proof of physical in person signatures. My information was compromised from a unknown individual and obtained from a family members mailbox. P
02/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75068	Web
I keep being told the incorrect and derogatory information being reported by Chex Systems is correct and verified, even though the XXXX Bank XXXX XXXX was still investigating and had yet to complete their research/investigation. On my Chex systems credit file and report, its showing that I was committing checking account fraud. I contacted bank XXXX XXXX and ask that they update my account internally and with the credit/consumer reporting agencies. I was told I have to contact them personally. I have written multiple letters to Chex Systems providing proof that I did non of the transactions and I have no knowledge of them. Chex systems keeps informing me that the information is correct and verified, without doing a full and proper investigation or showing me any proof of validation. Either way I keep getting the runaround. I asked for details, example the name of the person they spoke to while investigating, proof bearing my wet ink signature or any documents and up to this day ( XX/XX/2023 ), they have not provided me with anything. Under the FRCA I asked them to remove all unverified, derogatory information from my report being they can not provide any documented or verifiable proof, they have not done that either. Due to the derogatory, unverified information XXXX bank who was my main bank for over XXXX years immediately closed all my accounts and ended all relations with me. Same thing happened with other banks I had accounts with. This derogatory information has been a huge burden on me and huge inconvenience with financial institutions. I was denied opening a new bank account because of this. I did everything they asked, I wrote, called, plead etc. I'm at my last resort now, I'm tired of the back and fourth. I feel like I have been getting computer generated replies, because its the same thing over and over. I'm kindly asking you to step in and help please. Any proof or additional information you need please don't hesitate to ask. Thanks in advance XXXX Institutions are XXXX of XXXX account XXXX XXXX # XXXX XXXX XXXX consumer ID- XXXX - contribution ref # XXXX
09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 647XX	Web
I am XXXX XXXX the owner and President of XXXX XXXX XXXX XXXX. The XXXX number for XXXX XXXX XXXX XXXX is XXXX. XXXX XXXX XXXX XXXX, XXXX is a small business registered in the state of Missouri. The company was formed in XXXX of XXXX. On XX/XX/XXXX, I, XXXX XXXX, attempted to open a business checking account for XXXX XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX. I was denied the opportunity to open an account and the company received an adverse action notice. The XXXX XXXX banker stated that there was account abuse being reflected on XXXX XXXX XXXX XXXX Chexsystems consumer report. The banker stated that the information was reported by XXXX XXXX for account ending in XXXX on XX/XX/XXXX. I was unaware of any account abuse taking place with my account and contacted XXXX XXXX requesting an explanation for the reported information. XXXX XXXX stated that my account was closed and charged off due to an overdraft that occurred from a fraudulent check transaction made through the mobile banking app. I then learned that the company email address linked to the XXXX XXXX account was compromised, resulting in the takeover of the companys bank account through the online account. Due to the email address being compromised, I was no longer receiving communication from XXXX XXXX. On XX/XX/XXXX I visited XXXX XXXX XXXX and was able to promptly resolve the issue with my banker XXXX XXXX. Our company is not being held liable for the fraudulent activity and there was no account abuse carried out by XXXX XXXX XXXX XXXX because the information being furnished on XXXX XXXX XXXX XXXX Chexsystems consumer report is a result of identity theft/fraud. On XX/XX/XXXX I filed an FTC identity theft report on behalf of XXXX XXXX XXXX XXXX, XXXX. Immediately after I filed an FTC report, I met with officer XXXX XXXX at the XXXX Police Department at XXXX XXXX XXXX XXXX XXXX, Mo XXXX. I presented the FTC report to officer XXXX and he signed the FTC report. I have attached the FTC report signed by officer XXXX with his business card and call-for-service/report number, my identification, a utility bill.
02/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 333XX	Web
It has come to my attention that XXXX XXXX XXXX is a Debt Collector in accordance with the FDCPA 15 USC 1692a ( 6 ) and have violated my consumer rights by way of nondisclosures, uninformed use, and unfair collection practices ; I, XXXX XXXX am a Consumer/Natural Person. Pursuant to 15 USC 1692 ( a ) congress finds theres an abundance of abusive, deceptive, and unfair debt collection practices being taken place. The purpose of the subchapter is to eliminate abusive debt collection practices by debt collectors. Furthermore, Congress also finds that the economic stabilization will be enhanced with the informed use of the extension of consumer credit to consumers pursuant to 15 USC 1601 ( a ) of the Truth In Lending Act. I shouldve been provided an Opt Out form in accordance with the GLBA 15 USC 6802 ( b ) for my Non Public Personal Information youre transmitting with non affiliated third parties. In accordance with 15 USC 1692g ( b ) this debt is considered disputed and Im requesting the name and address of the original creditor. You shall cease all reporting collections of these alleged debts until youve obtained the appropriate lawful documentation, verification/original creditor/judgment. Pursuant to 15 USC 1692c ( c ) ( 2 ), I'm invoking my specified remedies as the original creditor and refusing to pay this alleged debt and demanding you cease and desist any further communication and collection unless to further the investigation, notify me of demands being met, or consumer requests for additional information ( i.e Debt Validation, Affidavit Of Truth ). Audit Trail of alleged debt- 5 USC 552a ( d ) GAAP Zero out the balance on the account Remove Account from ChexSystem Retract late payments..XXXX 15 USC 6802 ( b ) ( 1 ) ( B ) no opt out given Failure to honor the demands provided the required documentation for verification and validation of this alleged debt within 14 days of receipt of this notice shall ; a. ) Be taken as tacit agreement to the claims set forth ; b. ) Grant the consumer all demanded remedies ; or c. ) May result in litigation/Arbitration
05/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30350	Web
Information shall be excluded from credit report 15 usc 1681 ( c ) ( a ) 15 usc 1681 b Permissible Purpose : permission before pulling my credit. I didnt give anyone permissible purpose to pull my credit nor did I write a written statement for any bureau to allow someone to pull my credit. Is there any written documents or letter that shows a signature of my name stating I am giving anyone permission to pull, looks or touch my credit profile? By you allowing anyone to pull my credit without my consent that is a violation. I XXXX XXXX has found that Checksystem has violated my rights as a consumer. I viewed my credit profile and notice several improper usage that took place. I am notifying Checksystem that I am sending a warning with a Letter of Intent certified in the mail and I will take action to litigate this matter immediately. 1. Pursuant 15 usc 1681 ( c ) ( a ) 2. Pursuant 15 usc 1681 b. I did not provide XXXX nor any debtor permission to view, pull or place any information on to my credit report. I am the original creditor. I didnt personally contact Checksystem through mail with no documents stating that I am allowing my credit profile to be viewed or pull for any extension of credit with XXXX XXXX or Checksystem. Legally I must send in a legal document stating that I am allowing permission but I never did and Checksystem does not have a legal documents with my signature stating such fact. I am seeking compensation for damages youve cost for years. The accounts that is listed on my credit report Checksystem & XXXX XXXX which I didnt give anyone debtor nor credit bureau permission to pull my credit. I have attached the images along with documents of an invoice for compensation of damages. We can settle this out of court and I am only allowing 5 calendar days for this information to be removed immediately and permanently. If for any reason my credit report is used without my permission in the future I will file a law suit triple the amount of compensation I will be seeking. I am only allowing 72 hrs for deletion due to violation of Pursuant 15 usc 1681.
04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29607	Web
My bank has informed me that there is negative information reported by XXXX XXXX XXXX RTN/ACCT # : XXXX included in the file ChexSystems maintains under my Social Security Number. Upon ordering a copy of the report, I see an entry from this bank listing Account Abuse. Please validate this information with XXXX XXXXXXXX XXXX and provide me with copies of any documentation associated with Account Abuse. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number. The item above should all be removed from my consumer report under 15 USC 1681s-2 ( 3 ) and 15 USC 1692e ( 8 ) violations. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. As per the USC Codes, specifically Section 1785.16 ( a ) ( 2 ) ( B ), it is the responsibility of the reporting agency to ensure that the information reported is accurate, and to reinvestigate any disputed information. Furthermore, under Section 1785.25 ( a ), any person who willfully and knowingly violates any provision of the FCRA may be liable for damages. I am confident that the investigation will reveal that the negative information reported by XXXX XXXX XXXX is inaccurate, and therefore should be removed from my ChexSystems report. I am requesting that you take the necessary steps to ensure that this information is removed as soon as possible.
02/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 20147	Web
This written communication consitutes Chexsystems and due process notice of the compromising of my credit card as defined under 15 USC 1602 ( l ) a/k/a social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint, my local police which both are attached herewith. Summary of rights of identity theft victim Pursuant to 15 USC 1681g ( e ) ( 11 ) Definition of victim, the term victim means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime. Pursuant to 15 USC 1681g ( e ) ( 1 ) ( B ) I am a victim of identity theft. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of Following : XXXX XXXX XXXX, Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX days of receipt of this letter then you must remove these accounts from my credit report.
08/25/2022	Yes	Checking or savings account Savings account	Opening an account Unable to open an account	AZ 85086	Web
We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT I attempted to open a savings account with XXXX twice, once on XX/XX/XXXX and again, at their request, on XX/XX/XXXX. Both times I was declined. I received mail from XXXX dated XX/XX/XXXX that I was declined for the XX/XX/XXXX application due to information at ChexSystems. I requested on online a report from ChexSystems, which I received dated XX/XX/XXXX. All of the information from ChexSystems was correct, and matched what was provided to XXXX. On XX/XX/XXXX I contacted XXXX and requested more information. They advised me to resubmit my request. I did so on XX/XX/XXXX. This request was also denied. I followed up with XXXX on XX/XX/XXXX. On XX/XX/XXXX XXXX responded that I needed to verify my identity with ChexSystems. Although I am not sure of they date, sometime after this and before XX/XX/XXXX I called ChexSystems, which put my on hold several times while they reviewed my information but provided no resolution. They eventually sent me a new report, date XX/XX/XXXX, with the same information as before, with the additional inquiry from XXXX added. After receiving this mail I called ChexSystems again and was told they do not verify identity. On XX/XX/XXXX I called XXXX and was told the accounts were denied because of the response from ChexSystems, with no additional detail. on XX/XX/XXXX I called ChexSystems and was told they will not provide any details on the inquiries from XXXX and will only send the same report I have already received twice, which all has accurate information, and that I should check with XXXX as to whyI was denied. I am now at an impasse as both XXXX and ChexSystems are blaming each other an each refuses to provide any details.
10/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85719	Web
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 U.S.C. 1666, 15 U.S.C. 1601, 15 U.S.C. 1692 ( C ) ( C ) and 15 USC 1692g Sec. 809 ( b ) of the FDCPA. In accordance with your obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to the requested records. The information you are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of this inaccurate reporting. I sent CHEXSYSTEMS multiple letters requesting and demanding that they remove this inaccurate information from my file within 30 days in accordance with your obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i, or send me copies of the documents that they have in their files as of this date that what they rely upon for verification of these accounts. XXXX XXXX XXXX, XXXX XXXX, XXXX, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. On XX/XX/XXXX, ,This notice was sent by Certified Mail # XXXX. Per U.S.P.S. XXXX Return Receipt in the possession of the Libellant, refused to provide said proof of claim ( s ). XXXX XX/XX/XXXX, a NOTICE OF FAULT OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE was sent to LIBELLEE by a Notary Public, the third-party witness and Justice of Peace . This notice was sent by Certified Mail Receipt # XXXX and per records on file with the USPS . You refused to provide said proof of claim ( s ). Chexsystems had ten ( 10 ) days to respond with proof of claim, point for point ; however, Respondent chose to remain silent or otherwise refused to provide said proof of claim ( s ) and, therefore, has failed to state a claim upon which relief can be granted and has agreed and stipulated to the facts. Please see return receipt and response from Chex systems without providing proof.
03/03/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	SC 29708	Web
Check systems is continually breaking the law and they lied to me and when I attempt to have them talk to them North Carolina attorney general or the local police they refused. They have been reporting XXXX accounts XXXX being XXXX and the other being XXXX and they have been reporting this since XXXX. I proved that these accounts were not mine and yet check systems feels it 's in their power to ignore the law or overwrite the law with their policies. When I attempted to correct them they refused and hung up on me. Instead they would rather harm me by reporting known and proven fraud as if it 's mine instead of doing the job that they 're supposed to do and investigating properly. My XXXX account is now owned by XXXX and XXXX has already given me the identification number for them attempting to get check systems to remove the reporting of their account because they know it does n't belong as being reported to check systems. I 'm going to include ChexSystems lies where they say that they contacted the financial institution and verified it in the financial institution says they never called. So I 'm calling to report ChexSystems has breaking the law ignoring the law and thinking their policies supersede the law. I was exonerated of any wrongdoing fraudulent by the police and the courts period ChexSystems seems to feel that a police report has a statute of limitations on how long it 's good for the same offenses. They need to be told very clearly that there is no shelf life for fact in the law and they can not stop doing something because they believe they 're right when they are a XXXX percent wrong. So I 'm hoping that the Consumer Financial Protection Bureau can get check systems to do the right thing and hold them accountable to Breaking the Law because my account was closed because they wrongfully reported XXXX and XXXX up until XXXX of XXXX My First Merit account was closed in XXXX of XXXX because of that wrongful reporting period chexsystem refuses to acknowledge anything except their lies and wrongful treatment of customers.
07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30228	Web	Servicemember
I have submitted documents to this consumer reporting outlining the full extent of Identity Fraud when it comes to me. On XX/XX/2023 I submitted a dispute to XXXX XXXX XXXX XXXX ( file # XXXX ) concerning the fraudulent account and inquiries that are being reporting under my personal identifying information. I talked with someone named XXXX and later some other rude woman who basically told ne verbatim that even though I submitted documentation concerning fraud, that they were going to do what they wanted and continue to report fraudulent information until I make the XXXX Police Department and the XXXX Inspectors give me a police report without them conducting an investigation to see what happened to my mail. I submitted incident report numbers and a City of XXXX Police Department incident report. I also explained to them the consequences of continuing to reporting information that has been verified as fraud 15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be fumished on my consumer report as they are in VIOLAT Under, 15 U.S Code 168 1b - Permissible purposes of consumer reports ( a ) IN XXXX Subject to subsection ( ) any consumer reporting agency may furnish a consumer report under the follo wing circumstances and no other : ( 2 ) In accordance with the WRITTEN 1,711 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates their rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. EWS has blatantly disregarded the FCRA as well. Providing access to personal information through credit bureaus without my consent.
11/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92109	Web
XXXX " apparently '' verified that I have an unpaid debt and account abuse of XXXX ( XXXX ) checking acounts with them ACCOUNT ENDING IN XXXX, per what XXXX is stating Yet again, chexsystems have failed to provide me with a copy of any viable evidence submited by XXXX. Be advised that the descripton of the procedure used to determine the accuracy and completeness of the informaton is hereby requested, to be provided within fiteen ( 15 ) days of the completon of your re-investgaton. Additonally, please provide the name, address, and telephone number of each person contacted at usbank regarding this alleged account. I am formally requestng a copy of any documents provided by usbank, bearing my signature, showing that I have a legally binding contractual obligaton to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verificaton or validaton of any alleged debt and account abuse of a checking account ( s ). Be aware that I am making a final goodwill atempt to have you clear up this mater. The listed item is entrely inaccurate and incomplete and represents a very serious error in your reportng. Failure to comply with federal regulatons by credit reportng agencies are investgated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communicatons with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Atorney General 's office, should you contnue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non- compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims acton against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamaton 2. ) Negligent Enablement of Identty Fraud 3. ) Violaton of the Fair Credit Reportng see attached additional documents and information
06/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 322XX	Web
In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information. 15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy. 15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-2, 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.
05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33311	Web
I have obtained my consumer reports from all credit bureau agencies notified them of the fraudulent reporting information that is inaccurate reporting information my consumer report ChexSystems XXXX information is being furnished by XXXX XXXXXXXX XXXX claim number from XXXX XXXXXXXX XXXX XXXX XXXX Accounts number ending XXXX Florida drivers license number is inaccurate information address is incorrect information how can the information be verified and the method of investigation that where conducted The Consumer report shows that I was a victim of fraud my whole entire personal information has been compromised identity, Social Security number, etc. Im the victim of identity theft and I dont recognize none of the accounts or inquiries on my Consumer report. I XXXX XXXX XXXX purports to bring claims against ChexSystems under the Fair Credit Reporting Act ( FCRA ) based upon information reported, allegedly caused by identity theft. In enacting the FCRA, XXXX recognized the vital role consumer reporting agencies ( CRAs ) have in assembling and evaluating consumer credit, as well as the need to insure that CRAs exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 15 U.S.C. 1681 ( a ) ( 3 ) - ( 4 ). Under section 1681e ( b ) of the FCRA, a CRA, when preparing a credit report on a consumer, is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C. 1681e ( b ). If a consumer brings a dispute to the CRA regarding the completeness or accuracy of a credit report, the CRA is required by section 1681i ( a ) within a reasonable period of time [ to ] reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. 15 U.S.C. 1681i ( a ). The FCRA addresses the duties of CRAs and of furnishers of information to those agencies as follows. . 15 U.S. Code 1681c1-
06/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77396	Web
I XXXX XXXX XXXX Filed a complete and Accurate Dispute with XXXX XXXX and XXXX letting these credit agencies know that Im a victim of identity theft and I demanded them to remove all credit inquiries I also demanded XXXX to remove a fraudulent collection from my personal credit report in the amount of {$4400.00} from XXXX XXXX XXXX and all inquiries which are fraudulent which I sign in and demanded a dispute so XXXX are aware Of the Dispute XXXX did not investigate nor did they remove that fraudulent account from my personal credit report After sending in a Filed police report theft affidavit driver license and proof of address XXXX also acknowledge the receipt of my documentation however XXXX did not remove or block that information from appearing on my personal credit report According to 605B after a knowledgeable of documentation those items are supposed to be blocked from appearing on my personal credit report Currently as a XX/XX/2022 The judge ordered XXXX and XXXX to pay me {$1000.00} per violation XXXX is still failing to remove those fraudulent items and collection and anchorries as I stated before now this situation is going into XXXX XXXX XXXX XXXX is still reporting negative and fraudulent information Accounts are : ( 1 ) XXXX XXXX ( 2 ) Possible finance in amount of {$970.00} Also ( 3 ) XXXX XXXX also XXXX is reporting fraudulent and inaccurate late payments From possible finance XXXX & XXXX Funding Also XXXX did not remove XXXX XXXX XXXX. XXXX XXXX from my personal credit report which is fraudulent according to the fair credit reporting section 605B any consumer that identifies identity theft shall demand Credit agencies to remove or block that information from appear on their personal credit report however XXXX and XXXX XXXX to protect my consumer rights Also Chexsystems did not complete a Full investigation banks that are being fraudulently Reported is XXXX XXXX XXXXXXXX XXXX And all inquiries Which XXXX XXXX is already aware of and I have already supplied documentation and FULL COMPLETE dispute
04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	CA 91710	Web	Older American, Servicemember
On or about XXXX, I applied for and received a short time later my " FREE '' annual credit report from " XXXX '' with my XXXX score of " XXXX '' mailed to my home address of : XXXX XXXX XXXX ; XXXX, California ; XXXX ( where I have only XXXX years left of my XXXX XXXX XXXXXXXX XXXX home loan on ) which also matches my California driver 's license. On or about XXXX, I applied for and received a short time later my " FREE '' annual credit report from " XXXX '' with my XXXX score of " XXXX '' mailed to my home address of : XXXX XXXX XXXX ; XXXX, California ; XXXX ( where I have only XXXX years left of my XXXX XXXX XXXX XXXX home loan on ) which also matches my California driver 's license. On or about XXXX, I applied for and received a short time later my " FREE '' annual credit report from " XXXX '' with my XXXX score of " XXXX '' mailed to my home address of : XXXX XXXX XXXX ; XXXX, California ; XXXX ( where I have only XXXX years left of my XXXX XXXX XXXX XXXX home loan on ) which also matches my California driver 's license. On or about XXXX, I applied for IN PERSON and opened IN PERSON a " savings account '' with the bare minimum requirements of {$300.00} with XXXX XXXX XXXX located in XXXX XXXX, California ( about XXXX miles west of my legal home residence of : XXXX XXXX XXXX ; XXXX, California ) which also matches my California driver 's license. However, yesterday ( XX/XX/2023 ), I received a letter from XXXX XXXX XXXX with the " Date of Notice : XX/XX/2023 '' stating in effect that " We regret we can not open your account today due to information received from Chex Systems , Inc., a consumer reporting agency ... And is UNABLE to provide you with specific reasons why the decision was made. '' My State of California and my United States consumer credit rights have been intentionally, maliciously and unlawfully violated by " Chex Systems , Inc. '' for failure to state the " specific reasons '' that caused XXXX XXXX XXXX to CLOSE out my account. I was born XXXXXXXX XXXX as a legal citizen!!!
09/27/2022	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	CA 92009	Web
Hello I have filed a complain before. Been contacting XXXX XXXX XXXX for over two weeks. As explained to them I was overseas for a one month trip but unfortunately due to Covid returned after 3 months. Called XXXX XXXX XXXX and they notified me my balance was negative ( {$280.00} ) .I paid off the amount in full and confirmed with the banker on a recorded line that all is good, nothing on file and nothing will be reported, which the banker confirmed and even told me he can connect me to another person and open a bank account. At the time I did not need one and moved on.3 weeks ago I tried to open an account and was told there is a report on Chex systems .I requested the report and in it XXXX XXXX XXXX has put a remark that this account was charged off and due to fraudulent activity it was closed. Called XXXX XXXX XXXXXXXX over XXXX times, they just connect me to different departments and in some cases i have dealt with very rude and unprofessional people specifically there fraud prevention team. The fraud team tell me I have balance due which I absolutely do not and on the file attached I even got verification from XXXX XXXX XXXXXXXX. The collections team says your balance is XXXX but the fraud team has to remove the report from Chex system. Again the fraud team simply says no and you have to wait for 5 years for it to be automatically removed. ( What are they thinking ) I am professional who works in the medical device industry and my salary is in the mid XXXX XXXX why would I commit fraud for {$280.00} WHY? Then they tell me I must sent proof, Proof of what? That I didn't commit fraud? You are accusing me of that you send me proof? This is my last follow up I have consulted my lawyer and will follow up with a lawsuit by next month if not resolved. Currently I can not open a business account due to this issue and loosing money and its nota small amount Please follow up right away and remove all reports from Chex system or anywhere else you are reporting this inaccurate information LETTER ATTACHED
07/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32277	Web
I had a bank account with bank XXXX XXXX years ago. I ended up over drafting my account I asked questions about my credit ect I was told if I pay the balance I wouldn't be reported to any agency there would be no penalties but the account would be closed. I paid using all the money I had. When XXXX hit i tried to get a loan, i tried to open an account with a credit union i tried to get assistance i tried to go into business for myself all failed due to account becoming marked as closed for fraud in chexsystem even though it was closed due to over draft and bank XXXX XXXX kept transferring me around for hours my phone log will show i have called bank XXXX XXXX and check systems for years and spent hours and called daily trying to get it corrected or removed I specifically asked in my dispute for proof in writing I did not receive that and chex system wont remove it bank XXXX XXXX said chex system houses it and would need to dispute it and i have I read the fcra and it states that inaccurate information must be removed and it is inaccurate but they will not remove it and it is causing a delay in my financial life as well as costing me to lose XXXX XXXX XXXX they keep saying there is nothing they can do about it. I have requested them to send me a explanation in writing how this is accurate and they declined. This was a over drawn account that is paid off not closed for fraud and chex systems told me they dont actually investigate it they just upload what is sent and stated bank XXXX XXXX did not send the proof i requested in writing but still did not remove it as they broke regulations i have the right to ask for proof of what is being reported and it has been years the last dispute has been about 60 days still no proof in writing from either and chex systems still hasnt deleted it they are reporting lies and it is unethical and im finding alot of issues with how i am being treated. Please help be get this removed as I would hate to waste any more years my family and i are suffering over their lies.
06/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	TX 76708	Web
My credit report showed I owed Certegy {$200.00} from a check written on XXXX/XXXX/XXXX to XXXX. I contacted them and they said my bank did n't pay due to NSF. I contacted my bank and they said to dispute it because I had money at the time and overdraft protection. When I disputed, they ( Certegy ) figured out someone had keyed in the wrong bank account. I agreed to pay the check but they could not tell me who to pay it to. They said they sent the check to XXXX XXXX. XXXX XXXX said they returned it on XXXX/XXXX/XXXX because they did n't send an image of the check. I submitted an inquiry and they returned a letter saying that Complete Payment Recovery Services had the claim now. I contacted CPRS and they said they sent it to XXXX XXXX. I contacted XXXX XXXX again and they said they sent it back to Certegy. When I contacted Certegy again to see who I needed to pay they said they would mail me information. I never received it so I called back on XXXX/XXXX/XXXX and they told me to call CPRS. CPRS told me to call XXXX XXXX, XXXX XXXX told me to call XXXX. XXXX checked in all XXXX of their data bases and there was no references to this claim and call XXXX back. I spoke with XXXX at XXXX XXXX and then XXXX who said she sent it back to Certegy and would send it again today. I waited a couple of hours and called Certegy back and they said I needed to call CPRS. I explained I had called them already and had been sent to XXXX XXXX and now back to them. They ( : XXXX ) stated she did n't see any notes that I had talked to CPRS and I would need to contact them again. I did and spoke with another lady and she said she would send an email to XXXX XXXX. I called XXXX back and they said they do n't have my claim. It has almost been XXXX months and I 'm in the process of trying to buy a house and this is holding up the final paperwork. Nobody can tell me who to pay and keeps telling me that another company has it. Customer service from Certegy has not been helpful and keeps putting it off on other companys.
02/23/2016	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	IL 60616	Web
I am not satisfied with the XXXX from ChexSystems. In my disputed request I asked for copies of the documents sent to them from the appropriate companies in dispute. In that disputed statement I clearly stated that I wanted a copy of what CHEXSTSTEMS received from the companies. If they can not provide that information to me then they have not meet the burden of proving that they this information is accurate. I am stating that this information being reported is not accurate. I never stated identity theft. I stated this information is not being accurately reported and that the inquires on my report are not accurate in that they did not obtain my authorization to inquire or receive a copy of the report. If ChexSystems can not provide documented and written proof that these people have accurate information and that they received proper authorization this needs to be removed from my report. The derogatory items are causing me harm and they are not accurate and the inquires are not any that I am aware of at this time. With that stated ChexSystems is not following the law and is reporting inaccurate information. If ChexSystems continues to do this I will have not other choice but to file a lawsuit in federal court and to sue the other parties listed as well. If ChexSystems is checking and truly investigating they should have provided me with a accurate duplicated copy of what these companies have sent to them as so called proof. Based on their actions they have not met the burden of proof of the law and they should be required to do so. I am so tired of agencies doing XXXX like this to people. I want duplicate copies of the documents sent to ChexSystems as proof of these degrogatory items being reported. I do not believe that Chex sytems has contacted these people at all. If they had contacted them they would provide duplicate copies of the information they received. I will be waiting for a accurate response. ChexSystems is sending what they feel like sending and not what is required by law
01/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 63135	Web
I was a victim of a Hipaa Breach that was announced in the XX/XX/XXXX. The breach involved a Health Department worker working at the XXXX XXXX XXXX. My protected private information, medical records and social security number was compromised. I was instructed to check my credit report after my release from XXXX XXXX. After my release I tried to apply for a bank account on and that was when I found out that I was in ChexSystems. XX/XX/XXXX was when I received my credit report from them. Analyzing the file I instantly notice the inaccuracy of my name and address and more. What stood out the most were two different occasions where it was checks ordered. In my initial dispute I clearly explained how I was a victim of a Hipaa Breach affecting hundreds of XXXX. In my dispute XX/XX/XXXX, I explained how I was requesting my file so I can check if it was fraudulent activity done while XXXX. In my dispute I enclosed a letter head from my XXXX XXXX signed showing the dates I was XXXX. ChexSystems started their investigation on the matter and kept me updated. ( I have the reports ) At the end of their investigation in their letter they stated how the information came back verified and then listed telephone numbers to call the banks. My problem is that when they verified one of the banks they provided me a copy of a signature bank card I originally did with the bank. As I disputed to them was that I needed to see the information surrounding the fraudulent activity because I knew the account was mine. Fast forward to now, is that they still reports false inaccurate information and also Im still unable to obtain a personal bank account due to Fraudulent activity and they are inabling criminals to do identity theft. My problem is XXXX XXXX XXXX inst reporting it to them but ChexSystems still report it making it so hard to recover. Also is if they really did a investigation they will see how the fraud wasnt from Me. Its more also however Im trying to take steps before I file claims in courts.
05/18/2020	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	FL 33157	Web
This information that is listed on my chexsystem report and reported from XXXX XXXX is inaccurate and fraudulent. My information was exposed in the XXXX data breach twice, dark web and also in the fema data breach.Supported documents of my information being compromised is attached in this dispute below. My email address was hacked, social security, current and prior addresses, banking information, employer information, passwords and etc. My drivers license was also replaced/ reissued ( states at the bottom ) due to being loss and identity theft. My name was also used and spelled in different ways to obtain bank accounts online and other goods and is documented on file with the credit bureaus. A identity theft report was was submitted when this information was observed by the me the consumer. Disputes were submitted to the consumer bureaus and to chex system and related information was deleted from the credit bureaus from investigation. Monthly security alerts were also placed on all credit files and a freeze is currently on my chexsystem report.I am currently in the pending status of a settlement with XXXX in reference of both data breaches. My information was compromised during a FEMA breach as well. I am requesting for the deletion immediately of all derogatory information and accounts that are associated with XXXX XXXX, on my chexsystem report. This is and was not done by my consent nor did I authorize it this fraudulent activity. The derogatory remarks and information has prevented me from opening any account in Florida due to this matter with Chex System. I have received numerous of harassing calls from XXXX XXXX stating I will be prosecuted and also a collection agency attempting contact via phone to collect funds not owed to them. I am in process of legal action. 1 ) Please provide physical in person debit/ credit card obtainment and proof of physical in person signatures. My information was compromised from a unknown individual and obtained from a family members mailbox.
01/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76105	Web
Please find my complaint against Chex Systems for failure to comply with Section 609, 611 FCRA. I am attaching to my complaint components of Section 611 FCRA. I am filing this complaint based upon an erroneous report on my Chex Systems File from XXXX XXXX XXXX XXXX. In their response to the CFPB Chex systems stated that if a police report was submitted they would reinvestigate the complaint. Chex Systems also referred me back to XXXX XXXX XXXX XXXX for further information. XXXX XXXX XXXX XXXX has failed to comply with Section 609, 611 FCRA by failing to provide me with the required information pursuant to Section 609, 611 FCRA. I make demand of the following information as part of Chex Systems reinvestigation into my complaint under Section 609, 611 FCRA. I demand the time, date and authorization utilized by XXXX XXXX XXXX XXXX to access my credit file for purposes of establishing an account with them in the name of XXXX XXXX XXXX XXXX XXXX, I demand all identifying documents associated with or in connection with establishing an account with XXXX XXXX XXXX XXXX, the person supplying those documents and the time and date those documents were provided to Chex Systems in the name of XXXX XXXX XXXX XXXX XXXX, I demand all copies of account agreements, contracts, depository history or any identifying document that referenced XXXX XXXX XXXX XXXX XXXX, I demand the type of investigation taken by XXXX XXXX XXXX XXXX and Chex Systems to verify the information supplied to Chex Systems by XXXX XXXX XXXX XXXX to verify the report related to XXXX XXXX XXXX, XXXX, as required under Section 611 FCRA. I am enclosing the contents of Section 611 FCRA to ensure that Chex Systems and XXXX XXXX XXXX XXXX comply with the statute regarding the investigation of my complaint and the dispute of the information on my credit file with Chex Systems , Inc., Please comply with all facets of the submitted statute under Section 611 and demands I have made with regard to my dispute under Section 611 FCRA.
04/05/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	CA 93536	Web
In XX/XX/2016 I contacted ChexSystems to inform them of the ongoing ID theft situation, of my name change, and of a new negative report by XXXX XXXX XXXX XXXX was reporting. ChexSystems informed me that I needed to file yet another NEW police report for ID theft although they were already in possession of a verified and valid one. Nevertheless, a police report was provided to them. I phoned and spoke to a manager who informed me that the dates listed on the police report were too broad and thus required modification to specifically list XXXX XXXX XXXX XXXX individually. The police report was modified at her request and forwarded to ChexSystems via a fax number that the manager had provided and also by US Postal Mail. In XX/XX/2016, ChexSystems informed me that they 'd honored my police report, conducted their own internal investigation and permanently blocked the XXXX XXXX account from reporting. However, I have recently decided to switch banks and have been made aware that ChexSystems is till reporting the XXXX XXXX. My current financial institution has further informed me that they have a subscription that has verified that ChexSystems never deleted the item, but it has been consistently reporting and that'swhy my banking services have been limited with them this entire time. I contacted ChexSystems and they now claim to have no record of any supplemental or modified police report being supplied to them. However, I have located the letter they sent me where they verified that they had indeed received it and deleted XXXX XXXX. I have been a victim of ID theft for several arduous years. ChexSystems is well versed on this issue. They are violating the FCRA by allowing verified fraud to be included on my report when they have vigorously verified its invalidity. At no time has ChexSystems ever notified me that they 'd either elected not to delete or had re-reported the fraudulent account. ChexSystems is required by law to permanently block and delete the XXXX listing immediately.
04/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 22485	Web
Fraudulent inquiries on my chex system report. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85719	Web
To whom it may concern, I am writing to formally dispute the presence of the XXXX XXXX XXXX. account on my ChexSystems report, as referenced under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account is associated with the name XXXX XXXX and the address XXXX XXXX XXXX, XXXX, XXXX XXXX, with the reported SSN/ID XXXX. Account Details : - Date of Closure : XX/XX/2021 - XXXXACCT # : XXXX / XXXX - Original Charge Off Amount : {$9100.00} - Closure Status : UNPAID - Closure Status Date : XX/XX/2021 Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), I assert my entitlement to a precise and equitable representation of my credit history. This statute imposes an obligation on information furnishers, such as XXXX XXXX XXXX, to furnish accurate and complete information to consumer reporting agencies. I challenge the accuracy of the reported information and dispute the veracity of the debt in question. Additionally, I request that, in accordance with the FCRA, a thorough investigation be conducted into the legitimacy of this debt. I seek assurance that, beyond any prescribed investigative timeframe stipulated by 15 U.S.C. 1681s-2 ( a ), if applicable, the contested account will be promptly removed from my ChexSystems report . Furthermore, I request validation of the debt in question. Kindly provide comprehensive documentation verifying the legitimacy of the reported account, including details on the original charge off amount and pertinent closure information. I have enclosed the following documents, -Current Utility BILL -Current State ID -Current SSN I am cognizant of my rights under the FCRA and anticipate that Chex Systems will undertake a diligent examination of this matter, adhering to the statutory provisions. A prompt written confirmation of the investigation 's outcome, as well as the removal of this account from my ChexSystems report, is earnestly requested. Thank you for your prompt attention to this matter.
04/23/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ XXXXX	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
04/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	GA 30312	Web
Inaccurate Item : XXXX XXXX I am becoming more and more frustrated with your company. Upon finding these errors being reported on my credit report I have taken the necessary steps in order to inform you all of the errors. Nevertheless you all are not doing your part to resolve my issues. My family and I are becoming very impatient. My attorney told me to send this letter in order to alert you all of these errors before taking legal action. I am a person that goes to work everyday in order to make sure my family have equal opportunities just like everyone else. I am a consumer that refuses to be a victim of harassment or abuse. According to 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. Reporting false information on someone's credit report is detrimental to a consumer 's reputation. Sending letters an a attempt to collect debt from a consumer who debts do not belong to is also a form of harassment which is another violation of 15 USC 162d 1. ( 1 ) Constantly sending mail that has symbols of a debt collector on the outside of letter is a violation of the use or THREAT OF VIOLENCE or other criminal means to harm the physical person, reputation, or property of any person ; is an violation of the Fair Debt Collection Practice Act. Also according to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the XXXX Data Breach.
09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 55411	Web
At the beginning of I XXXX, I found out about this credit reporting agency chex systems. And since Ive previously been a victim of identity theft, I decided to see what they were reporting. Upon request of my report I noticed some accounts have been open in my name that I didnt recognize/authorize and some inquiries for my report that I didnt recognize/authorize. So I filled a police report ( temporary # XXXX ) and I called ChexSystem and informed them that I was a victim of identity theft. Informed them of just a few of their many violations of : 15 U.S. Code 1681s2 ( a ) 15 U.S. Code 1681b ( 2 ) 15 U.S. Code 6801 18 U.S. Code 1028A Because you are PROHIBITED BY LAW to furnish inaccurate information. 15 U.S. Code 1681s2 ( a ) So I demanded they Cease and Desist the reporting of incorrect/ inaccurate information immediately. And I demanded to see verifiable proof ( ie : an original consumer contract with my signature on it ) and/or a Certification from the creditor that certified the accuracy and completeness of the information/alleged accounts. 15 USC 1681e- ( b ) I explained that I did not give them any expressed permission or permissible purpose to report any of the information of these alleged accounts or of any account for that matter. 15 U.S. Code 1681b ( 2 ) I informed them of the obligation that financial institutions have to provide me with my disclosures of personal information before disclosing any of my private information. And explained that I have not received any disclosure yet so they are reporting information that I gave no permission to disclose. 15 U.S. Code 6802 And because they cant provide the validation of the certification of the permissible purpose document that you should have certified before selling my report. They committed Aggravated identity theft of my information. *18 U.S. Code 1028 They have yet to cease and desists of the reporting of these inaccurate alleged accounts or any of the unauthorized inquiries.
10/01/2023	Yes	Checking or savings account Checking account	Closing an account Company closed your account	FL 33169	Web
Consumer ID # XXXX Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that XXXX has XXXX XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX, bearing my signature, 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. Be aware that I am making a final 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 are investigated by the Federal Trade Commission ( see 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, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX XXXX ), you may be liable for your willful non- compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act
04/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30291	Web
This is a direct reflection of me which was not done by me. I was not made aware of the fraud until my current bank advised me my account was closed again without warning due to reporting of fraud by ChexSyste ms & XXXX . This is p reventing me from communicating with other financial institutions.I 've advised XXXX XXXX XXXX XXXX this was done by an ex who had access to all of my information/devices. He also was aware of personal information & passwords. I also filed police reports after the XXXX XXXX XXXX account closing on him that were not directly related to this issue but the nature is the same. He has a history of doing this to women & I have proof dated prior to me being made aware of the fraud reporting. I told the representative I spoke with I am not interested of filing a new police report months after the fact but I do have reports which show him doing these same thing with my account at another financial institution. I told them I would rather proceed with the information I have since I am no longer involved with this person and filing another report would cause another arrest warrant. Personally I 've been through enough financially, mentally & physically and would like to have this resolved asap. The investigation was opened XXXX with XXXX XXXX XXXX XXXX and still has yet to be assigned to an investigator. My account was not closed with a negative balance and it has been verified that none of the signatures on the mobile deposit checks match eatchother or my signature. I do n't understand what the hold up is. First I was told 14-21 days now I 'm being told 60 days and was hung up on today after requesting to speak with a manager. Whoe ver noted my account from the check fraud department dated today XXXX was very rude & gave me general information without taking the time to even look into my file. If she had she would not have mentioned the need to review bank surveillance since they were mobile deposits.
10/01/2023	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	FL 33169	Web
XXXXXXXX XXXX XXXX XXXXXXXX Dear Collections and XXXX XXXX XXXX. : This letter is in response to your recent claim that XXXX has XXXX XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX, bearing my signature, 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. Be aware that I am making a final 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 are investigated by the Federal Trade Commission ( see 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, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non- compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking XXXX in damages for the following : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act
08/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX XXXXX	Web
On XX/XX/XXXX, I responded, via fax, to Chex system letter dated XX/XX/XXXX in which they stated that a creditor, XXXX XXXX XXXX XXXX, had originally been deleted from my consumer report due to length of time that had passed since my original dispute but was placed back on my report due the fact that XXXX had since certified the information to accurate. In the faxed letter, datedXX/XX/XXXX, I specially exercised FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency, Chex system, that warranted the reinsertion of this account to be legal. In response, Chex system, denied my right by sending me the same information they originally sent on XX/XX/XXXX. They are REFUSING to furnish the legally required documents that they have or should have in their possession, which warrants this reinsertion to be legal. In their response, they stated if I wanted to dispute things further, I needed to contact XXXX however according to Section 611 of FRCA says you can request the method of verification from the reporting agency and if such agency doesnt have legal validation : documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, then such reporting agency must delete the file. I also requested the name, address, and telephone number of each person contacted regarding the accuracy of the reporting of the accounts and specified that any automated response or XXXX verification is unacceptable. As of XX/XX/XXXX, Chexsystem is refusing to show proof of validation or to delete the XXXX account, as it doesnt belong to me. According to FRCA section 611, consumer agencies have 15 days to furnish their files, the original letter datedXX/XX/XXXX was the beginning of the 15 days request, if such information is not furnished or account deleted by XX/XX/XXXX, I will be forced to pursue legal action.
08/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	FL 32514	Web
I'm deeply disappointed by the ongoing inaccuracies in my consumer file reported by ChexSystems. I want to make it clear that my legal name is XXXX XXXX XXXX XXXX, and any variations from this name need to be removed from my file. ChexSystems currently has my name listed as XXXX XXXX XXXX and, even worse, they had it as XXXX XXXX before which is completely wrong. Another concern is the incorrect address they have on file, specifically XXXX XXXX XXXX XXXX. This gives the false impression that I've lived at two different addresses. To set the record straight, my correct address is XXXX XXXX XXXX XXXX XXXX, FL. I've also noticed mentions of unfamiliar banks claiming I have accounts with them, and they're using addresses like " XXXX XXXX XXXX XXXXXXXX '' ChexSystems doesn't have any record of these addresses. I want to clarify that I'm only addressing bank-related matters separately. This letter is specifically for ChexSystems. Dealing with this situation has been really frustrating, and I'm tired of having to keep bringing it up. I expected these issues to be resolved a month ago when I sent in my driver 's license and fixed other mistakes. I did my part, but it seems like ChexSystems hasn't done theirs. Instead of fixing things right away, they're waiting until someone complains to correct the information. This approach puts an unnecessary burden on consumers and raises concerns about our rights. Reporting inaccurate information isn't just disappointing, it could be against the law. I'm insisting that they immediately remove any names or addresses that don't match my driver 's license. I can provide a photo of my license to prove my residency and full name. I want to mention that I reported this issue to the Consumer Financial Protection Bureau ( CFPB ) a month ago. Despite their intervention that fixed a previous mistake, ChexSystems is still holding onto incorrect information about me. This shows a lack of commitment on their part.
03/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	GA 30318	Web
Chexsystems and XXXX ( XXXX ) are in violation of federal law pursuant to 15 U.S. Code 1692c ( a ) ( c ) - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Communication is defined as ( 15 U.S. Code 1692a ( 2 ) ) ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. I the consumer have never given explicit written consent for XXXX ( XXXX ) to " communicate '' or chexsystems to furnish an alleged debt on my consumer report. Consumer report is considered a " medium '' where information is furnished. I demand Chexsystems and XXXX ( XXXX ) cease and desist pursuant to federal law 15 usc 1692c ( c ). XXXX ( XXXX ) and Chexsystems are in violation if the account is continuing to report and XXXX ( XXXX ) and Chexsystems do not have permissible purpose to report this account pursuant to XXXX XXXX XXXX. Immediately remove the XXXXXXXX XXXX with account # XXXX with a balance of {XXXX}.
05/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	MD 20707	Web
Ref : XXXX XXXX XXXX Violated Regulation E and Wrongfully Reported Me to Chex Systems, Consumer ID XXXX To Whom It May Concern : The information reported by XXXX XXXX XXXX to Chex Systems is inaccurate and invalid. I, XXXX XXXX did not conduct the ATM check deposit in the amount of {$4900.00} in XXXX XXXX NY on XX/XX/2018. After the check was deposited, I immediately visited my local, XXXX XXXX XXXX in XXXX MD. I explained to the XXXX Branch Representative, I did not make this ATM deposit, I do not know who made the ATM Deposit and I requested to dispute the ATM deposit. XXXX XXXX XXXX did not investigate or honor my request to dispute this item ; which is a violation of Regulation E. Based on following reasons below, this report to Chex Systems, from XXXX XXXX XXXX should be removed and voided. I requested the ATM check deposit of {$4900.00} be ( Reg E ) disputed and investigated. XXXX XXXX XXXX violated Regulation E by denying my dispute and proceeding with closing my account. The deposit was conducted at an ATM in XXXX XXXX NY. XXXX XXXX XXXX could have reviewed the recorded video information and verify I was not the individual who deposited the check. The deposit was conducted at an ATM in XXXX XXXX NY. XXXX XXXX XXXX could have reviewed the endorsement on back of the check and compare it to my signature reflected on my New Account Signature Card. XXXX XXXX XXXX should provide documentation proving they honored my dispute and conducted an investigation in accordance with Regulation E as I verbally requested in the XXXX XXXX Branch. If XXXX XXXX XXXX adhered to Federal Regulation E, as federally mandated and conducted a proper investigation. Their investigation would have proven Im innocent and I did not conduct this ATM deposit transaction in XXXX XXXX NY. I will be seeking legal counsel and will pursue a lawsuit against XXXX XXXX XXXX for slander, defamation of character and violating my federal rights.
05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY XXXXX	Web
XXXX XXXX XXXX has confirmed that the account on their records is the result of identity theft and fraud. Unfortunately, our experience with ChexSystems and XXXX XXXX XXXX has been nothing short of frustrating and disappointing. These agencies have been belligerent with our private and personal information and have refused to properly investigate and remove the fraudulent item from our records. Despite multiple attempts to reach out to ChexSystems and XXXX XXXX XXXX they have not provided us with a satisfactory response or conducted a proper investigation. This leaves us with no choice but to demand the removal of the fraudulent account from our profile. The actions of ChexSystems and XXXX XXXX XXXX are in direct violation of federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines, as specified in USC Title 15, Chapter 41 and 12 CFR Part 1022, respectively. These laws require that credit reporting agencies conduct a reasonable investigation of disputed information and promptly correct any errors or inaccuracies found. Furthermore, the failure of these agencies to comply with these laws not only puts consumers at risk of identity theft and fraud but also causes them significant harm and financial loss, which is a violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E, as specified in USC Title 15, Chapter 41, Subchapter II and 12 CFR Part 1005, respectively. As such, we demand that ChexSystems and XXXX XXXX XXXX not only remove the fraudulent account from our profile but also provide compensation for the emotional distress and financial hardship caused by their negligence. We call upon these agencies to take immediate action to rectify the situation and comply with all legal requirements. We will not stop until our consumer rights are upheld, justice is served, and we are fully compensated for the harm caused by their actions.
08/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 457XX	Web
Date : XX/XX/20 Re : reporting fraudulent information XXXX ChexSystems, Early Warning Services I requested to open a bank account on numerous occasions I was denied due to check systems. I have disputed several other accounts that they have removed but are refusing to remove the other two that are not mine also, I contacted them and provided them that I wanted them to investigate and provide proof that I open the account within 30 days or to remove it from my credit file. They did not do that in fact they just sent me a letter stating that the bank verified that the account was mine which is not providing me proof that the account is actually mine anyone can open an account online. What is a victim of attorney theft I did remove the security freeze off the account so I can open an account. I have been disputing these transactions and accounts for over two years now previous to this I was incarcerated in a state penal institution they received mail for me from the correctional institution stating that there was accounts being opened and they were not me they initially placed a security freeze on my account but failed to remove the incorrect fraudulent information obtained in their credit report. I tried to work with them on numerous occasions to fix this they do not want to they continue to say that the accounts were verified which that can not be possible if I was in a state panel institution I also sent them a copy of my booking history which shows what days and dates I was in XXXX XXXX. Continue to fight with these people about the incorrect and inconsistency in my name and address most of the addresses and names that they have are not mine nor the phone numbers I tried to get them to update that and they failed to do so they keep reporting false fraudulent information and its affecting me I will take legal action if they do not remedy this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX
10/11/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	VT 056XX	Web
I recently learned of ChexSystems when I was denied opening a new account with XXXX XXXX around XX/XX/. Based on the denial, I was able to see an online report and received a Consumer Score Disclosure Report, showing a score of XXXX out of XXXX. It is a one-pager, written in banking lingo that I had to use XX/XX/XXXXon my laptop to explain to me. I fought the emailed denial from XXXX and now have an account with them, using a screenshot of my XXXX XXXX XXXX score on my XXXX account. I had previously heard of Chex in a vague way, that is was about people who bounce checks, leading to the unbanked. I never gave them a second thought because that is not my behavior. My banking behavior has changed in the last year, and I never heard that chasing ever-higher savings rates would lower a score I never knew existed and would prevent me from opening bank accounts. Online banking itself has changed. I have a number of abandoned applications because 1 ) the financial institution was dishonest in how much work I would have to put in to open an account, including one requiring a notarized statement, which is impossible for me because I do not have a car right now. 2 ) Apparently my XXXX XXXX is too dated to use the required bank app to upload the front and back of my ID and selfie before timing out. 3 ) Lousy customer service, e.g., XXXX XXXX, which took days to answer my questions. I quickly separated myself form XXXX, XX/XX/XXXX, and several other over this issue. For all of these issues, it should be on the bank to play fair in explaining what documents are required and what the minimum tech requirements of the phone being used must have, and retract negative information on me when they poison my Chex score and it was their fault. After months of negative data collection by Chex in secret, I was robbed of being able to complain about the financial institutions in question and to submit consumer statements.
03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 802XX	Web
Hello, in the month of XX/XX/XXXX I went into a bank XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, CO and spoke with a Banker named XXXX XXXX. The reason for me coming in was because I needed to see if someone could assist with getting a ChexSystems inaccuracy removed. XXXX and I spoke with a representative from the Claims department who told me once I cleared a {$36.00} balance I had an a second old account, the report would be removed from my ChexSystems account for the account number ending in XXXX with a closure date of XX/XX/XXXX. After my request for clarity, the banker confirmed what was said, and the XXXX re-confirmed once I cleared a {$36.00} balance I had an a second old account, the report would be removed from my ChexSystems account for the account number ending in XXXX. In XXXX when this account was opened, I was a victim of a XXXX Scam. I was asked to open this account for the purpose of depositing my wages I would have earned weekly. I remember being told I'd make $ XXXX {$1000.00} weekly, and when the deposit came, I contacted the bank to report it as it was an outrageous number I was not expecting. No money was taken from the account, and it was then frozen. These same fraudsters are responsible for filing taxes in my name, as well as attempts of trying to obtain credit, as noted in my Identity Theft Report with the FTC resulting in various fraud alerts placed on my credit profiles to protect me, and even a freeze on my ChexSystems file. The issue I'm having is since the payment for the {$36.00} was made, I have been sent in circles from Risk Closure, Fraud, and various other customer service departments, some saying no one can help me ( paraphrasing ) and others saying what the claims rep told XXXX and I should be honored. On XX/XX/XXXX I finally contacted the Risk Closure department, and they told me I'd need to dispute the information with ChexSystems and it will then come off.
01/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90280	Web
Page 2 Represents the purpose of the Overdrafts fees They also state that the Debit Plus program will cover any fees dealing with insufficient funds. There is no mention of any thing else but that. Page 3-4 ( Message Detail ) confirms that I in fact had overdraft fees and not special handling fees They also confirm that I'm currently enrolled in the Debit Plus Program and there's never any mentions of " Special Handling Fees '' Page 5 & 6 are the closest representations to the totally free checking account I signed up for again there is never a mention " special handling fees '' Page 7-9 is from the Bank Vice President who had time to make up false terms and did not know about the communication with the online bank customer help. He contradicted the statement that was said on Page 3 that was seen for their brochure on Pages 2 & 6 about a {$30.00} overdraft fee which was never properly applied to my account since its inception. The explanation given that I had " special handling fees '' was a bit of a fallacy and it was the exact same amount as Overdraft Fees which were {$30.00}. He also states I had a full mailbox ( That wasn't true they just didn't want to communicate back with me ) Page 10 on starts the highlighted " Special Handling Fees '' of {$30.00} which mostly include " Continuous Overdraft Fees '' of {$10.00} more to my account. When I first started with my account the online banking would present the {$30.00} charges as " Overdraft Fees '' it wasn't until after the statements came out or days later when the amount charged would not be covered and have the label " Special Handling Fees '' They add in additional funds owed to over {$300.00} to {$310.00} in collections because that would also become a Chex Systems history on top of the amount of " special handling fees '' even after the closed out amount on my account was {$280.00} and they never covered a single overdraft.
01/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60615	Web
I was recently informed 60 days ago of negative information reported by [ XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX IL ] included in the file ChexSystems maintains under my Social Security number.I was informed on 60 days ago that the item was deleted from my consumer report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. Upon ordering a copy of the report, I found an entry from this bank listing a [ Account Abuse, Overdrawn ] in [ XXXX XXXX, ]. I am unaware of ever having a [ Checking Account ] from this [ XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX IL ]. Please validate this information with [ XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX IL ] and provide me with copies of any documentation associated with this " [ [ XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX IL ] '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 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, CFPB and the state of Illionois Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
12/24/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NV 89081	Web
The corporation has Violated The Privacy Act of 1974 as well as the terms and conditions of our agreement pertaining to its initial privacy notice. The Consumer has respectfully entrusted the corporation with a certain level of expectation that the financial records would be maintained safely, securely, and in good faith. The corporation has repeatedly, on a monthly basis disclosed non public personal information, including personal records and personal transaction history, to multiple non-affiliated third parties for marketable services such as XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX Chexsystems, etc. This has negatively affected the consumers ability to attain credit and services for XXXX family and household usage. Although the consumer has received the initial privacy notices, the consumer receives the goods monthly the corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records
08/22/2016	Yes	Credit reporting	Credit reporting company's investigation Problem with statement of dispute	DE 197XX	Web
I am filing this complaint because ChexSystems has demonstrated some seriously broken " investigative '' processes of consumer initiated disputes. ChexSystems does not follow a well articulated investigative process, but instead launch " re-investigations '' on their own accord without the consumers request, that yield differing results than prior investigations. They refuse to provide information to consumers that substantiate the outcome of their investigations. Sadly, Chex also adds inaccurate information to consumer files at the whim of their broken administrative processes. ChexSystems absolves themselves of any responsibility for the accuracy of information contained in their systems, but instead casts responsibility to their customers, and forces the consumer to address problems directly with ChexSystems customers, unless providing a police report. Unfortunately some police agencies do n't issue " police reports '' when a crime has not been clearly consummated. In some cases a consumer may want to guard against the release of accurate consumer information to prevent perpetuating additional fraud. Having gone through investigations with XXXX other Credit Reporting Agencies over the same set of fraudulent inquiries without a " police report '', ALL of the interactions with other Credit Reporting Agencies were consumer friendly, were well defined, were conducted in a professional manner without putting personal information at risk, did not require " re-investigations '', and resulted in the complete removal of all fraudulent and inaccurate information in my consumer file at their firms. Details of the interactions with ChexSystems are contained in the attached file. ChexSystems does not provide direct contact information to a consumer to consult directly with a ChexSystems employee. Every communication sent from ChexSystems is sent to the consumer anonymously.
03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95628	Web
Recently, I filed a dispute with Chex systems informing them that an account that has been reported to them under my name and social security number should be deleted from my report and from their database due to the fact that this debt was incurred prior to my Official Bankruptcy filing date which had occurred on XX/XX/2022. They responded with a letter stating that they refused to remove this negative account information from my report because the Financial Institution that had reported this information to them had reported this information to Chex systems AFTER the date of filing of my Bankruptcy. They are wrong about why they had justified to keep this negative and damaging account information in their database and to continue to report this information after I brought the issue to their attention. It is against the Federal Bankruptcy Laws to continue to report an owed balance and to keep this information on my credit report because it does not matter when the financial institution ends up getting around to sending their information over to Chex systems, but the date they should be concerned about is when the actually debt had been incurred and then if it was prior to the date of the bankruptcy being filed, they should remove this information from my report with them and update their database to reflect that this is the case. However, if the debt was incurred after the bankruptcy filing date with the Federal Courts, then by all means, keep reporting this information. This is not the case however, in my situation because the balance was incurred prior to the bankruptcy filing and thus should be removed at once and without failure because if they don't, they are now in violation of several bankruptcy and other federal laws that govern this particular issue. The FINANCIAL INSTITUTION that had reported this negative information to Chex Systems is : XXXX XXXX XXXX XXXX.
01/20/2024	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	MD 20707	Web
There are accounts and inquiries on my ChexSystems consumer report that are not mine and do not belong to me. I have been a victim of a identity theft and I have filed a Police Report as well as a report with the Federal Trade Commission. All I want is for ChexSystems to remove those accounts and inquires. Here is the full details of the situation : In XXXX, during our move from XXXX XXXX XXXX our house was XXXX before we completed the move-in process. Unfortunately, my girlfriend left the door unlocked while we traveled back to XXXX to retrieve more items from storage. The thief seized the opportunity and stole our TV, along with several personal documents such as my birth certificate, driver 's license, and social security card. Although I managed to replace the documents at that time, a recent check of my ChexSystems consumer report unveiled unauthorized activities using my identity. Over the past few years, someone has opened multiple bank accounts and made several inquiries without my consent. The fraudulent accounts and inquiries are reported on my ChexSystems consumer report, and here are the details : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already taken steps to protect my information by placing a freeze on all my consumer reports. I hope that by sharing this information, we can work together to apprehend the person responsible for these actions. Your assistance is greatly appreciated as I seek the resolution I deserve. Thank you.
03/07/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	CA 95945	Web
To whom this may concern, I am a victim of identity theft and I have previously reported this to Chexsystems, the FTC, Local Police, the CFPB, and others - however - despite multiple attempts to contact Chexsystems I have not gotten a response from Chexsystems and negative known to be false information continues to appear on my report. However, whats worse is that Chexsystems has failed to following the rights, as explained on Chexsystems ' own website here : https : XXXX? MOD=AJPERES Specifically, at least the following violations have occurred : 1. ) Chexsystems has not initiated an investigation into my disputes and continues to request unnecessary information as an excuse for not investigating. 2. ) Chexsystems has not provided me with a copy of my credit file in or provided me with a response to a dispute within the allotted time. 3. ) Chexsystems has not included my " brief statement '' on file, meaning I am being denied my rights to dispute information that Chexsystems has failed to remove or properly investigate. 4. ) Chexsystems has not resend my file to financial institutions who previously obtained a consumer file with disputed and known to be false information. 5. ) More generally, Chexsystems has given me the " run around '' and has refused to assist in the understanding, disputing, or management of their consumer files. Given this situation, I am requesting Chexsystems promptly remove all previously disputed information and send a response via registered or tracked mail to XXXX, XXXX, California, XXXX, XXXX. I have experienced missing mail, which is also in my previous complaints to Chexsystems and thereby believe this requires the use of tracked or registered post to avoid the sensitive information from getting stolen and to confirm delivery. Should you have any questions or concerns, please contact me at XXXX or via mail to the address above.
08/28/2015	Yes	Credit reporting	Incorrect information on credit report Personal information	NJ 07050	Web
On XXXX/XXXX/2015 I responded via fax and through XXXX XXXX to Chex Systems regarding additional information that they needed to me to support my claim of clearing address 's that does not have any associations with me. On that day I sent a notarize personal statement about the address that did n't belong to me and I also sent them a Police Report as they have requested for me to do. I have attached a copy of the XXXX XXXX delivery confirmation, police report and notarized statement. With reading their rebuttal to me now stating the police report that I have sent them does not specify dates or date range to remove the information. And now I need to get an additional police report that specifies in further detail about ID Fraud. I will do so. But, I did send a notarized statement to you on XXXX/XXXX/15 and I had attached it to the cfpb dispute # XXXX, and I also sent the original to you via XXXX XXXX which you received on XXXX/XXXX/15, and I also faxed all the statements to you on XXXX/XXXX/15 as well. Also, on the police report it did state the XXXX banks XXXX Bank and XXXX Bank but you only mentioned that you deleted XXXX. Your consumer report dated XXXX/XXXX/15 is attached as proof. Now XXXX XXXX XXXX XXXX XXXX, CA XXXX is my parents address. My parent has owned that property for more than XXXX years. I stayed there up until I was XXXX years old. I do n't know what more to say regarding that but I have n't lived there since that time. Please divulge the name of the Bank and or credit union that has reported my name using that address recently so that I can speak to them directly to clear that information out. As stated before I will get a detailed police report first thing in the morning and re-submit it to you so that all the other disputed items can be removed. Thank you Also please look at the notarized statement that I sent you via this portal, fedex and fax
11/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 44107	Web
On XXXX XXXX, XXXX I submitted a dispute via ChexSystems about an account I previously had with XXXX XXXX. The previous week I had applied for an account elsewhere and was turned down and upon checking my credit file from ChexSystems I noticed I had been reported for an account abuse closure by XXXX XXXX While I did not dispute the fact that my account was closed with a negative balance I did and do dispute a reporting of account abuse on my credit file. In what was at best a few days later I received correspondence twice from ChexSystems one stating a investigation had began. The second a day or two later stating the account was affirmed. On Monday XXXX XXXX I contacted the XXXX XXXX collections department not once but twice as to inquire why account abuse was reported. From my standpoint the account had not become overdrawn because of any transactions that were paid to any institution on my behalf for me to personally benefit from. My knowledge is that the account was closed because of return payment and sustained overdraft fees the bank accessed for not paying on my behalf. No checks were written no transactions were processed to the debit card the account was overdrawn because of bank fees. The first call resulted in me being transferred to a collection agency the second resulted in a hang up because the representative had became disrespectful over the phone which is the norm for XXXX XXXX when you question there just accept it justification. In both calls I agreed to pay what was owed in full even though I dispute the amount. This would be contingent on the inaccurate " abuse '' reporting being removed from the file because I feel it was only reported in that manner as a form of retaliation or malice. I believe it was reported improperly to ChexSystems because XXXX knew that for that particular agency abuse could mean anything and would n't be questioned.
03/07/2017	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	CA 95945	Web
To whom this may concern, I am a victim of identity theft and I have previously reported this to Chexsystems, the FTC, Local Police, the CFPB, and others - however - despite multiple attempts to contact Chexsystems I have not gotten a response from Chexsystems and negative known to be false information continues to appear on my report. However, whats worse is that Chexsystems has failed to following the rights, as explained on Chexsystems ' own website here : XXXX Specifically, at least the following violations have occurred : 1. ) Chexsystems has not initiated an investigation into my disputes and continues to request unnecessary information as an excuse for not investigating. 2. ) Chexsystems has not provided me with a copy of my credit file in or provided me with a response to a dispute within the allotted time. 3. ) Chexsystems has not included my " brief statement '' on file, meaning I am being denied my rights to dispute information that Chexsystems has failed to remove or properly investigate. 4. ) Chexsystems has not resend my file to financial institutions who previously obtained a consumer file with disputed and known to be false information. 5. ) More generally, Chexsystems has given me the " run around '' and has refused to assist in the understanding, disputing, or management of their consumer files. Given this situation, I am requesting Chexsystems promptly remove all previously disputed information and send a response via registered or tracked mail to XXXX XXXX XXXX, XXXX XXXX, California, XXXX, USA. I have experienced missing mail, which is also in my previous complaints to Chexsystems and thereby believe this requires the use of tracked or registered post to avoid the sensitive information from getting stolen and to confirm delivery. Should you have any questions or concerns, please contact me at XXXXXXXXXXXX or via mail to the address above.
11/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Problem with personal statement of dispute	TX 78754	Web
I filed a dispute with ChexSystems recently after receiving a copy of my report. There was a credit union by the name of XXXX XXXX XXXX that said I owed them close to {$600.00}. I disputed that because that was included in a bankruptcy years ago. When I received the response from ChexSystems they told me that they had contacted the United States Bankruptcy Court to verify that it was included in a bankruptcy and it was. I have a serious issue with their response and here is why ; 1. That particular entry has been in my ChexSystems report since XX/XX/2015. 2. ChexSystems said that they had to verify the information I was disputing with the United States Bankruptcy Court. Why was this information not verified before it was entered into my ChexSystems report? 3. Because of these actions, I can not trust ChexSystems and they should be investigated for entering information without verifying it first. I've been doing my research and apparently there a lot of people with similar issues. 4. The letter I received from them said that they removed the XXXX XXXX XXXX entry from my report, but I still can't seem to open another account with a different bank? What is the reason for this? 5. The copy of the ChexSystems report doesn't show any other negative entries, although I'm not sure I'm reading it correctly. All I see is where they say that XXXX XXXX XXXX is being removed, then inquiries of companies looking me up for whatever reason. What else is holding me up on this report? 6. How can I be notified each time someone has accessed my ChexSystems information? The credit bureaus have this available to all consumers. You should have the same or something similar. 7. How do I submit that I don't want anyone accessing my ChexSystems report unless I have authorized it? I have attached a scanned copy of the letter from ChexSystems. Thank you for your time.
05/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA XXXXX	Web
On XX/XX/XXXX XXXX XXXX Bank charged off my account due to the negative balance status. I have been unemployed and experiencing hardships since XX/XX/XXXX due to the Covid-19 pandemic. On XX/XX/XXXX XXXX XXXX Bank submitted information to XXXX XXXX and Chex Systems claiming that my account was closed due to Account Abuse. I never abused my XXXX XXXX Bank account - I was experiencing long term XXXX, XXXX and a total loss of my income as a result. I filed a claims related to a {$400.00} charge that appeared on my account. I followed XXXX XXXX policies and procedures for filing a claim and they refused to investigate it as they stated their policies did not allow them to investigate claims related to peer to peer financial transactions. On XX/XX/XXXX, I attempted to open two checking accounts - XXXX XXXXk, and XXXXXXXX XXXX and was denied a checking account based on the information reported by XXXX XXXX XXXX tXXXX XXXX XXXXXXXX and Chex Systems. XXXX XXXXXXXX XXXX 's errors has caused adverse actions to be taken against me ; I was denied XXXX checking account opportunities and the opportunity to establish a new relationship with another financial institution. XXXX XXXX Banks ' actions also caused me extreme public humiliation and embarrassment as I was turned down by these banks and had to suffer during and after conversation. Finally, I believe XXXX XXXX Bank 's actions toward me are malicious, deliberate, and well defined against XXXX American consumers who seek to pursue justice in a court of law. XXXX XXXX 's action against me violated my rights under the Fair Credit and Reporting Act because they willfully and intentionally reported erroneous information that has caused other financial institutions to make adverse decisions against me. This matter has prevented me from moving forward with securing a checking account with a major bank.
08/07/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	GA 30016	Web	Older American
I for a account with a XXXX XXXX and was denied membership due to my check systems report. Once I received a copy in the mail. I seen over XXXX inquiries that was not my doing. I have XXXX product with XXXX XXXX. A business credit card. I spoke with a rep this morning. My card was issued XX/XX/XXXX. So XXXX inquiry is legit. I received the product, no need to apply again. There are XXXX XXXX inquiries on XX/XX/XXXX, again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX again using last four of my ein #, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, It doesn't even make sense. This is obviously and definitely fraudulent activity. I will list the lenders on my report that I did not apply with nor give my permission to do so. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXXXXXX. XXXXe XXXX XXXX. XXXX XXXX. XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX. XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. I did not apply at any of these Institutions. This is fraud. XXXX XXXX XXXX XXXX I applied once on XX/XX/XXXX. I was denied membership. That should be the only inquiry from them. I have XXXX secured card with XXXXXXXX XXXX XXXXXXXX XXXX XXXX inquiry on XX/XX/XXXX is legit. I still have the secured card and haven't applied for a credit product yet. All other XXXXXXXX XXXX inquiries are fraudulent. I spoke with XXXX XXXX and XXXXXXXX XXXX XXXX. They both said there's nothing they can do on their end. All inquiries except for the ones I stated are acts of fraud and by law should be removed immediately if not proven to be legit. And that's definitely not going to happen. This is causing me a great deal of hardship on the personal and business side. Nobody in their right mind would do this to themselves. It has to be obvious! Please remove asap. Thank you
11/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DC 20020	Web
I contacted Chexsystems about FRAUD under my social security number and to investigate each reporting bank. I called and mailed them correspondence to dispute each item. I strongly deny these items. I told them the law was to provide me with copies of any documentation associated with these " [ items ] '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 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, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages. They stated they would not investigate and then they said investigation was done in XXXX YET I was not provided any documentation of any kind. The accounts below are what's reporting that does not belong to me THAT CHEXSYTEMS SAID THEY VERIFIED YET GAVE ME NO CORRESPONDANCE OF VERIFICATION. 1. XXXX XXXX XXXX XX/XX/XXXX XXXX 2. XXXX XXXX XXXX XX/XX/XXXX XXXX 3. XXXX XXXX XXXX XX/XX/XXXX XXXX 4. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 5. XXXX XXXX XXXX XX/XX/XXXX XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 7. XXXX & XXXX & XXXX XXXX XX/XX/XXXX XXXX 8. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
07/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NE 681XX	Web
Ongoing disputes with XXXX XXXX XXXX previously known as XXXX XXXX XXXX XXXX. My debit check card was used fraudulently in XX/XX/XXXX and XX/XX/XXXX while I was being hospitalized and under my doctors care due to an injury. The fraud was not discovered by me until around XX/XX/XXXX when I was well and able to handle my finances. The fraud was reported to XXXX in XX/XX/XXXX. XXXX wanted me to release my medical records to them in order to verify I was in hospital which I didnt feel comfortable with doing I felt it was unnecessary. My debit card was being used in XXXX and XXXX states which Ive never been. At the XXXX agreed not to report it on my credit bureau the charge off account but the account has remained on my ChexSystems report. XXXX has refused to work with me on the dispute and getting the charge off cleared even after numerous phone calls and even with me filing a police report with the police department. I last spoke with XXXX at the midtown hy location in XXXX on XXXX. It was stated by her that there is nothing I can do about the account now because its been past 60 days since the fraud occured. I informed her that the fraud was reported over a year ago and the fact that I was hospitalized and gave her a copy of the police report. At this point it has been almost 2 years and still the account is not resolved even with XXXX having well known knowledge that there were fraudulent charges made on my account. At this point if it can not be resolved with the cfpb complaints, police reports, and identity theft affidavit, I am prepared to take this case to small claims court and sue for fcra violations, since this is reporting inaccurate and fraudulent information to a consumer reporting agency ( chexsystems ) and has been doing so for almost 2 years even after they have knowledge the account was used fraudulently and not by me
12/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 62025	Web
I have a big issue with the credit reporting agency mainly XXXX XXXX as I going through reviewing my file I noticed that my credit has not been up to par and it does not reflect having XXXX or XXXX accounts on my negative accounts on my credit file for it to be at a for a low low XXXX XXXX so I started doing some investigation and got all my reports from each of the reporting agencies XXXX XXXX mainly I asked for XXXX separate reports and verify that every XXXX of their reports has my business or somebody some some form or some way business dealings that I have is being reflected on my personal credit or personal XXXX XXXX report and which is internal repairs on my credit they're using XXXX XXXX which is a account that's already been paid off to basically throw up a red flag and say hey this is this is what we got him to XXXX XXXX for, and then turn around and report it to my personal credit as a inquiry Banks why we can't get a checking account or banking account is due to the fact they're reporting on my business debt or business transactions under increase view by others under my personal file view by others they just change the name of it so I'm a registered XXXX so they have found a way to not put it put it negative information directly on my personal from these Banks because I would XXXX XXXX we just reported it differently I know this because I'm 100 % sure of this because I have not tried to open too many personal bank accounts in the last XXXX years maybe XXXX or XXXX and for them to say that all the inquiries are because of a personal inquiry because I will try to open a bank account is not the truth so I went back and and matched every business every XXXX of the names on there has some kind of business dealing with me or they either had XXXX XXXX reported on there behalf XXXX reported for them like XXXX XXXX XXXX
06/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90745	Web	Servicemember
On XX/XX/XXXX, I reviewed a report, because I was denied the right to open an account. After reviewing the report, I noticed a plethora of inaccuracies and fraudulent information being reported. On XX/XX/XXXX I contacted ChexSystems to file a dispute for the inaccurate addresses and email listed, and the fraudulent information being reported by XXXX XXXX XXXX I spoke with XXXX, a representative of ChexSystems, and informed her of the fraudulent information and inaccuracies. I confirmed with XXXX, my complete address, and that this was the only address I can attest to. Anything else was inaccurate and fraudulent. reported. XXXX insisted that the adverse information being reported by XXXX XXXX XXXX was verified by the financial institution as 100 % accurate. I asked XXXX if they sent me valid paperwork so that I could confirm. XXXX said they sent me a letter on XX/XX/XXXX confirming this information to be accurate. The call was escalated to her supervisor XXXX. I spoke with XXXX ( XXXX ) and XXXX insisted that the information was verified by XXXX XXXX XXXX In accordance with the FCRA section 611 ( 5 ) -TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION IS TO BE DELETED. ChexSystems had a duty to properly verify everything being furnished to them from XXXX XXXX XXXX and also provide me with the corresponding information. It was never received, so I am to assume that they never sent the information to verify the accuracy of this alleged account. ChexSytems was also to not furnish any adverse information that results from fraud, and that the information they furnish to financial institutions is 100 % accurate, and ChexSystems failed to do that. Without properly verifying, ChexSystems has criminally and willfully reported this adverse information for over XXXX XXXX and also furnished this inaccurate information to another XXXX.
09/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27610	Web
All inquirers reported to and obtained without my written consent is a violation under the FCRA U.S.C 1681 and aggravated identity theft pursuant to 18 U.S.C. 1028A. No permissible purpose XXXX XXXX XXXX XXXXXXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXXXXXX XXXX XXXXXX/XX/XXXX - no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX XXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C . 1681 XXXX XXXX permissible purpose / no written consent Source of information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH XXXX Reported for XXXX OVERDRAFTS Date of closure : XX/XX/XXXXXXXX XXXX XXXX ACCT # : XXXX / XXXX Charge off amount : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Reported for XXXX OVERDRAFTS Date of closure XXXXXXXX XXXX XXXX ACCT # : XXXX / XXXX Charge off amount : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/31/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NJ 07050	Web
THIS IS a request to have invalid address 's and different variations pf my name deleted from my consumer file. I request Chex-Systems to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED AT:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXXSTATE OF ISSUANCE : XXXXFINANCIAL INSTITUTIONS : XXXX XXXX XXXX XXXXI have also attached the police Report that I have filed here is XXXX, XXXX I have filed for ID Theft protection because there is no way I can leave in XXXX different states a one time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. Thank you, XXXX XXXX
07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89031	Web
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the consumer reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. I requested that Chexsystems relay who they spoke to, alleging they verified the accounts, and to send me the wet signature of every contract listed. They've refused to do this! I will pursue {$1000.00} per violation, per account, in addition to actual damages suffered. I've not been able to open an account due to Chexsystem refusing to correct my consumer report.
06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CO 80526	Web
I have excellent credit and applied for a savings account at XXXX XXXX on XX/XX/2023. I was refused and told that ChexSystems was the credit reporting agency. Note : XXXXXXXX XXXX is an online bank, applications are done via a web form. The application would not accept my last name as correctly spelled XXXX. The apostrophe was not allowed. I used XXXX instead. When I used ChexSystems ' online request form to obtain my consumer disclosure on XX/XX/2023, after completing the form and submitting it, the web page went into an " endless spinning '' mode and never confirmed submission. Since the online request form was broken, I tried using the automated voice system provided by ChexSystems. Again, when having to say and spell my last name, the system was unable to understand what an apostrophe is and failed to be able to capture my last name correctly. I proceeded with using " XXXX '' instead. I am concerned that there are many thousands of customers of XXXX XXXX that have apostrophes in their names, and that due to poorly designed automated systems used by banks and credit reporting agencies, consumers are being denied services. Further, because the name can not be accurately represented in their systems, I am concerned that ChexSystems is using error-prone name matching heuristics and inappropriately matching my ID to someone with poor credit. This may be happening to many thousands of people having ancestry/backgrounds that feature names that the designers of these computer systems have decided is not worth the effort to get right. We should hold these systems accountable for the highest quality and rigorous standards in software development -- they can and should be able to represent names containing apostrophes. The fact they can't is a leading indicator of poor practices and security vulnerabilities.
11/03/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	GA 315XX	Web
Subject : Formal Complaint Regarding Improper Use of Personal Information and Violation of 15 USC 1681 ( a ) ( 1-4 ) \| Dear ChexSystems Representative , I am writing to formally lodge a complaint against ChexSystems concerning the unauthorized use and sale of my personal information and what I believe to be a violation of 15 USC 1681 ( a ) ( 1-4 ) of the Fair Credit Reporting Act ( FCRA ). This section stipulates the obligations of consumer reporting agencies to provide clear and accurate disclosures to consumers upon request. It does not give Chexsystems the right to sell my information without my consent, this is illegal.15 USC 1681 ( a ) ( 1-4 ) states : ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Despite my request for information, ChexSystems has failed to provide clear and accurate disclosure as mandated by 15 USC 1681 ( a ) ( 1-4 ). I insist on a thorough and proper review of the use of my personal information in accordance with the Fair Credit Reporting Act.
11/07/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	CA XXXXX	Web
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXChexSystemsConsumer RelationsXXXX XXXX XXXX. XXXX XXXX, XXXX XXXX : XXXXGreetings : I am writing to you to complain. Entries posted to my ChexSystems consumer credit report from 2012 are inaccurate. ChexSystems recommends this venue, publishing this website as the means in which to resolve disputes on my report. There are XXXX entries to address. Those are : XXXX, XXXX XXXX and XXXX. Each filed derogatory remarks with Chex Systems in 2012. At that time, I had a lawsuit filed against XXXX XXXX, XXXX, XXXX and XXXX. The lawsuit acknowledged numerous attempts to clear allegations printed in my reports. Inaccuracies were corrected from the evidence submitted, yet repeatedly reposted to my reports. As a XXXX person, I retained an attorney, XXXX XXXX. He claimed I would receive all but XXXX dollars to cover costs and fees to file. However, XXXX kept XXXX of XXXX of my settlement money paid by these defendants and, ChexSystems was not involved in the lawsuit. Again, I have no buisness with XXXX, XXXX XXXX, or XXXX. The alleged " account abuse '' made by XXXX XXXX and XXXX in 2012 are mistakes. XXXX XXXX wired funds to XXXX after I had cancelled a transfer and closed the XXXX account. XXXX XXXX personnel were to have reversed the entry to correct the the mistake when it occurred. An XXXX account has not ever been opened in my name as far as I know, nor have I ever communicated to, or received anything from this company. Recently, I notified the FTC of my concerns relating to compromises to my accounts and consumer credit reports. Implementing extra protection, I continue to address negative remarks that need to be deleted with ChexSystem. This report is a measure to avoid further delay in repairing my reports and correct inaccuracies in reports. Sincerely, XXXX XXXX
01/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CT 067XX	Web
XX/XX/2020 Dear CFPB Consumer : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Last for SS XXX-XX- XXXX. Balance {$350.00} Complaint against : XXXX XXXX XXXX and Chex Systems XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX please removed from my Chex systems report. Account # XXXX please remove from my Chex system report. Neither of these entities have been verified I have received no receipts or overdraft or anything XXXX XXXX has not responded to my letters or my request to valid this. CHEX SYSTEMS have not given me any proof of this. I have written a letter to Chex Systems and told them to validate a debt that was in by Chex Systems report. I have asked Chex Systems to remove this from my report they wrote me a letter stating no they will not remove this information it was validated they did not send me what was validated and where the balance came from I was told the balance will be left in my report. This is causing damage to my creditability I want it removed I contacted XXXX XXXX to settle this issue I asked them to provide to me where this balance came from and if they can find out where and it is presumed accrued by me I offer them a settlement of 50 % of what the balance they are stating is and also to have those accounts removed from my reports. The Chex Systems report states I have a balance of {$350.00}. Chex Systems did not send me how this balance was created although I must have this out of my report. This balance is presumed from 4 years ago I do not remember having an overdraft with them or a balance. I do not owe XXXX XXXX any money how and receipts when where. I want both entries removed from my Chex Systems file please. Neither Company has shown me where these balances came from since they can not it must be removed. XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX
05/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30312	Web
I am becoming more and more frustrated. I understand that mistakes happen. Nevertheless after repeatedly communicating with you company that the information that your company has been reporting is inaccurate I would like to think that you all would act fast to resolve the issue. Especially since this is a violation of ( 15 USC 1692e ), which states that ( 2 ) the false representation of ( A ) the character, is illegal! This is also a violation of ( 15 USC 1692d ) 1. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATION, or property of any person. By reporting inaccurate items on my credit report you are tarnishing my reputation which I will not allow even if I have to seek litigation. Also this is clearly defamation of character! Which I remind is you will not be difficult to prove in a court of law. 1. I can prove the information being reported is invalid 2. I can identify your company as being the one who made the false statement XXXX copy of your report is easy evidence ) 3. I also can prove that this was reckless and was a knowingly made action ( I have evidence that I have contacted you guys about the error and know actions have been taken ) 4.The statement was published ( once again my copy of your reports can be used as evidence for this ) 5. The false statement harmed me XXXX I have proof of the denial letters that have occurred because of your misleading information being provided on my credit report ). Also let me remind you that the banking system relies on the accuracy and fairness of credit reporting! According to FAIR CREDIT REPORTING ACT 15 USC 1681! In case you did not know Civil Liability ( REMEDY ) ( 15 USC 1692k ) states that I can receive compensation for each violation! So please resolve this ASAP or I will seek litigation!
03/13/2017	Yes	Credit reporting	Credit reporting company's investigation Investigation took too long	WV 253XX	Web
On XXXX XXXX, XXXX, I applied for a bank account with XXXX XXXX Bank in order to receive discount on a new vehicle loan. The account was initially approved but then refunded due to a report from ChexSystems. I knew of no reason for the report so I contacted ChexSystems via their website XXXX XXXX, XXXX. I asked for VALIDATION of said dispute on their email system. They sent me a letter dated by them XXXX/XXXX/XXXX, however it was the XXXX that I received it. Letter stated they would investigate and return information within the required 30 days. A letter dated XXXX/XXXX/XXXX was then received by me saying they had verified the information and it would not be removed. It did not explain their procedures or validate the accuracy. I received the letter in mid XXXX. I was able to finally get a phone number ( not from their site ) and called, the person had a foreign accent and was rude. I then verbally and in writing demanded VALIDATION. I received a letter in XXXX, dated by them XXXX/XXXX/XXXX, stating again that they would investigate and get a response within the 30 days as required by law. Finally I received a letter dated by ChexSystems XXXX/XXXX/XXXX saying they now could not verify the information and it was removed. I have all these letters. Also, in my state, they withdrew their bond and their license was terminated in XXXX. The paperwork is too much to scan and send but I can provide it. They obviously stalled and obstructed the compliance procedure. Simply though, they broke the law by not providing accurate information of their verification process and doing so was not in legal time frame and they are not a legal entity in my state, with no Resident Agent ( which I asked for and never received name thereof ). It took from XXXX to mid XXXX to have it removed, clearly not within 30 days.
08/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 993XX	Web
please see previous complaint. I sent over the police report and FTC report and now they still say it is not sufficient to say that im a victim of identity theft. They refuse to delete the inaccurate information. They are not following the law and are reporting someone else 's social security number on my Chex systems report. Now they want me to file another police report and also a NEW FTC report but the FTC report needs to be signed by a law enforcement officer also. So they advised me to go back to the police department and file another police report but this time make sure that I say that the account in questions which is XXXX that was opened in XXXX because the police report I have is dated for identity theft and I reported it in XXXX. Thats when I found out I was a victim of identity theft was in XXXX not XXXX till Chexsystems advised me of that supposedly. So they want me to also file another FTC report and that FTC report HAS TO BE SIGNED BY A LAW ENFORCEMENT OFFICER. I told them that I did not think that a law enforcement officer would want to sign my FTC report because they did not write it up, I did that myself, and the police officer would only want to sign what he writes if what im thinking which makes sense. I would not want to sign anything I did not write. This is crazy, not fair my consumer protection rights are not being followed and they are violating the law of reporting false information on my chex systems report which clearly is someone else 's social security number. I want chex systems to provide me with a copy of the Social Security card that XXXX used to have this account opened so that I can see if that is my matching social security number which I know is not but I want to see if the bank followed the rules of making copies of what was used to open this account.
10/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	FL 32583	Web	Servicemember
I have been fighting an ongoing battle to fix my credit reports and DDA reports due to previous and existing identity fraud. I also have been arrested and charged due to fraudulant actions committed by whomever stole my identity. These charges have been dropped and I am not convicted of anything. I have documentation of all processes and time frames. I have filed all legally required and proper reports and yet these companies and banks are still refusing to fix my credit and consumer reports and have banned me forever from using there products. The specific complaint I have for this company, XXXX, is that they default to side with these companies and banks no matter what, and there requirements for verified data from them is not acceptable. Regarding account XXXX XXXX XXXX and XXXX they both fall under same category. I am more concerned with XXXX XXXX XXXX as they are reporting that I am engaging in check fraud and was verified by the state of florida, which is false and considered libel and slander! Especially since all charges have been dropped. I asked chexsystems to fix this twice and they refuse. A police report is not legally required only required report is a law enforcement agency report and/or government agency report. This requirement has been fulfilled and they and other banks are refusing to accept this. The reason I can not aquire a police or sheriff report is due to the fact that I am not allowed to due to my original charges and they refuse to do so, According to my local law enforcement. I assume I can't go 3 counties over or go to Alabama to find any place station so that's why. I would contact fbi if I could but you and I both know they won't take a report from me. XXXX needs to be more loyal of consumers and there complaints than to companies. I want this fixed NOW!
07/22/2021	Yes	Checking or savings account Other banking product or service	Opening an account Unable to open an account	FL 33309	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Consumer ID : XXXX It has been brought to my attention that inaccurate and unverifiable information has been listed on my ChexSystems file To my knowledge, I have never had these items and am therefore writing to request full validation of this debt as is my right under the FCRA. Please provide the following Agreement with that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number on file. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Complete accounting of alleged debt. Commission for debt collector if collection efforts are implemented. Please provide the name and address of the bonding agent for your collection agency in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of ALL requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. In the absence of such documentation, I request that these accounts be permanently removed from my ChexSystems report. The accounts are listed below : incorrect information and violation of XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX XXXX/ACCT # : XXXX / XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
11/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07011	Web
I spoke with a representative from XXXX XXXXK on XX/XX/XXXX and was told that they sent a notice of removal for the inaccurate account on my CHEXSYSTEMS report. On XX/XX/XXXX I sent written dispute to CHEXSYSTEMS to have the inaccurate account removed from my report with supporting documentation from XXXX XXXX. On XX/XX/XXXX I received correspondence from CHEXSYSTEMS stating the inaccurate personal information has been removed but the inaccurate account from XXXX XXXX remains on my report. CHEXSYSTEMS has not conducted a fair, proper and timely investigation into my dispute as of XX/XX/XXXX. CHEXSYSTEMS has not complied with the request for removal of the inaccurate account from XXXX XXXX on XX/XX/XXXX which is longer than 30 days. CHEXSYSTEMS reporting inaccurate information on my report has caused me adverse mental and financial hardships and has prevented me from opening new accounts and obtaining new credit. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 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 New Jersey Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure on your behalf to either provide a copy of any alleged contract or other instrument bearing my signature or remove the inaccurate account will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act
08/08/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	PA XXXXX	Web	Older American
I am contacting you to see if you can help me resolve a problem that has been stopping me for years from getting back on my feet. I am a XXXX year old woman. The short story is that, between XXXX and XXXX I was scammed out of more than {$100000.00} by fraudulent lenders. I had a screening process in place which obviously was ineffective, so I continued to believe that the lender I was dealing with was honest. The problem I need help with is that several of those lenders contacted me and agreed to give me the loan. Three or four times, their method was to tell me they would be depositing a check into my checking account to verify it was authentic. Once the check cleared, I was to withdraw the amount of the check and wire it back to them which was when they would be transferring my loan. Each time, the check bounced a few days later. As a result, both the bank and I lost money. The last couple of times, I contacted the bank to make sure the check had cleared. I was assured it had so I did withdraw the funds and wire them back to the " lender ''. I never got a penny from any of them but the worst thing was that, eventually, I was listed on ChexSystems (? ) and I have not been able to open any kind of bank account for the last two years. I did not make a penny from the transactions and, although it was my checking account, the bank did clear the checks before I withdrew the amount of the check. I have receipts for just about every penny that I was scammed out of online. In fact, I have been notified that I will be getting a decent amount from a suit the government has done with XXXX XXXX regarding their participation in these scams. I hope there is someway you can give me to get this cleared up and my name removed from ChexSystems so I can open a checking/savings account. Thank you.
05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 232XX	Web
TO WHOM IT MAY CONCERN I recently received a copy of my ChexSystems report, and I noticed some information that has not been removed according to XXXX. I have received an email from XXXX stating that you guys remove my information from ChexSystems. Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you permission to furnish this account on my credit report? Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Remove the information from my consumer report, this agency is in violation of 15 USC section 1681 Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance 616 Civil liability for willful noncompliance [ 15 USC S1681n ] Best Regards, XXXX XXXX
07/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30310	Web
I am the victim of identity theft. Upon knowledge of the violation, I spoke with Police and obtained a report, obtained an identity theft affidavit which I had signed and notarized. I included all of the fraudulent accounts as well as my ID and mailed it to the credit bureaus. XXXX and XXXX immediately removed the accounts. However XXXX came back said that my police report wasnt sufficient. XXXX completely ignored my statements and have refused to remove items from my credit report within the 5 day period as stated on the FCRA. After calling day in and day out to resolve this conflict, a dispute center manager from another country refused to assist me with moving forward and notified me that it will take 45 days for the items to be removed. The items were mailed on XX/XX/XXXX, I was then notified on XX/XX/XXXX that the disputes sat in a P.O. Box for 2 weeks before being opened. These credit bureaus are criminals who outsource vital information to people in call centers who barely speak English. Someone who doesnt have a social security number shouldnt or wont be effective in resolving conflict with the bureaus and consumers shouldnt have to deal with credit bureaus negligence. Customer service reps at all of the bureaus need to be fully knowledgeable about the FCRA and the governing laws that they must abide by. Despite me reading my disputes and going over the FCRA, the dispute manager refused to assist me with the timely removal of the inaccurate info. My investigation numbers are XXXX, XXXX and XXXX. I sent all of my documents together so it SHOULD be under one number but because they are so unorganized they extenuate the circumstances and handle resolutions very carelessly. They must be held accountable. They should also remove Chex Systems information as well.
02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	CA XXXXX	Web
Pursuant to information and score provided to XXXX XXXX by ChexSystems, XXXX XXXX XXXX declined to open a checking account for me, and XXXX XXXX XXXX restricted and will be closing both of my new investment accounts with them. Per my ChexSystems consumer disclosure ( see attached ), there are no negative or derogatory items listed on my ChexSystems report, only multiple recent inquiries due to moving multiple CDs from XXXX financial institution to another for a better rate and opening several new checking and savings accounts. Per the letter I received from XXXX XXXX XXXX ( also see attached ), here are the ChexSystems score and " key factors that adversely affected your score '', that are used by XXXX XXXX as reasons for the decline to open a checking account : Score : XXXX ( Score range : from XXXX to XXXX ) Reasons listed : PREVIOUS DEBIT INQUIRY HISTORY RECENT DEBIT INQUIRY ACTIVITY INSUFFICIENT DEBIT HISTORY MULTIPLE RECENT DEBIT INQUIRIES CHEX INQUIRIES MAY HAVE ADVERSELY IMPACTED THE SCORE The above seems a somewhat off, as it makes no sense that multiple recent inquiries alone on a ChexSystems report would cause the ChexSystems score to drop to such a low value of XXXX! I have responsibly managed multiple checking, savings, CD, investment and credit accounts for many years, have never overdrawn or otherwise mishandled any of my accounts or bounced any checks, and have nenver been late or otherwise in default on any of my credit obligations. As a result, it makes absolutely no sense that my ChexSystems score would be XXXX, merely due to recent inquiries, and would result in such drastic measures ( checking account declined, both brokerage accounts restricted ) due to ChexSystems making me look really bad to XXXX XXXX due to extremely low score!!!
09/21/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	FL 337XX	Web
XX/XX/XXXX : I successfully open a XXXXXXXX XXXX XXXX savings account XX/XX/XXXX : I attempt to connect my bank ( XXXX doesnt take my bank. doesnt tell me this though! ) instead of giving me an error message it just locked me out PERMANENTLY for too many attempts. XX/XX/XXXX XXXXXXXX XXXX : I call XXXX. They half remedy the issue by unlocking my account, I thought everything was fine. XXXX I find that I can't open new bank accounts. I can't connect accounts. Apparently XXXX sent ChexSystems some message saying I'm negative. From what I'm reading this mark with remain there for 5 years. No other information is available accept that I have the option to ask for this report and dispute it. Notice how much I need to do because XXXX 's platform doesn't inform you of THEIR website error. Websites are telling me " pay down debt '' as one of the steps. As if I did anything wrong or owe anyone money. XXXX I fill out my sensitive info for chexsystems, click send, nothing happens. I try on a XXXX, same thing. I'm on a common laptop, like what's the issue? This is actually illegal on the part of ChexSystems, because they claim they will give me my report but it is inaccessible. I actually try to call, but the connection and accent is so bad I can't understand anyone and I give up. I promise I'm not being XXXX, just XXXX ; I really struggle to understand heavy accents. Inaccessible information that is mine. Hours spent by now. XXXX I call XXXX back to give them an opportunity to correct it ; the kind and unfortunate supervisor tells me that by their rules XXXX can not do ANYTHING FOR ME~! I have to reach out to ChexSystems. He was upset as well, he didn't even know this could happen. XXXX filing this complaint. Will bring lawyers into the situation if needed.
05/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23225	Web
on XX/XX/XXXX I sent a dispute letter to chexsystems advising them that they were in violation of the FCRA and FDPCA. they responded back to me that the information was verified and accurate which impossible, I then wrote ( dispute letter XXXX back to them again XX/XX/XXXX stating the same fact and they still replied with the above response. Fact, Fair Credit Reporting Act is federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in XXXX to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies. Fact, proof as seen in attachment labeled EXHIBIT A. That ChexSystems is in violation of 15 USC 1681b ( a ) ( 2 ). Permissible purpose. I never provided ChexSystems with written consent to report anything on my consumer report/file. When there is no consent that is identity theft. Fact, proof per attachment labeled Exhibit A, that ChexSystems is in violation of 15 usc 1681a ( 2 ) ( i ), as myself the original creditor defined by congress only, I can validate a debt and I do not validate this debt. Fact, proof in attachment labeled Exhibit A, that ChexSystems is in violation of 15 usc 1681a ( 2 ) ( b ) which the law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. ChexSystems stated they verified this item, but that makes no sense as I am the original creditor in which I am unable to extend credit to myself. Fact, the FCRA states that civil liability for willful noncompliance, per 15 usc 1681n ( a ) ( 2 ) ( i ). Well XXXX violated the federally protected consumer rights. That is the amount of {$3000.00} that I am due
12/13/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	KY 402XX	Web
Subject : Opt-Out Request Pursuant to 15 USC 6802-6805, Fair Credit Reporting Act, and Privacy Act of 1974 I trust this letter finds you well. I am writing to formally request to opt-out of certain uses of my personal information, in accordance with the Gramm-Leach-Bliley Act ( 15 USC 6802-6805 ), the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974. Under the Gramm-Leach-Bliley Act, financial institutions are obligated to safeguard nonpublic personal information. I am exercising my rights under this Act to ensure that my information is handled with the utmost privacy and security. In addition to the GLBA and FCRA, the Privacy Act of 1974 further governs the collection, maintenance, use, and dissemination of personal information by federal agencies. I want to ensure that my rights under this Act are also respected in the context of any information you hold pertaining to me. Therefore, I formally request to opt-out of any sharing or use of my personal information for purposes beyond those explicitly permitted by law, including any third-party marketing or promotional activities. I also request transparency in how my information is collected, maintained, and shared in accordance with the Privacy Act of 1974. If there are specific procedures or forms that need to be completed to facilitate this opt-out request, kindly provide them at your earliest convenience. Additionally, I request written confirmation that my opt-out request has been processed in accordance with the law. Thank you for your prompt attention to this matter. I anticipate your cooperation in ensuring the responsible and legal handling of my personal information in compliance with the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and the Privacy Act of 1974.
01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MN 55369	Web
my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these illegal inquiries are reported illegally on my check systems report, XXXX report, XXXX report, and XXXX XXXX report. It must be removed ASAP. Also, my check systems report has many errors including my date of birth of XXXXXXXX XXXX XXXX which is in accurate it must be deleted because my correct date of birth is XX/XX/XXXX, XXXX, my check system has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IA 50266	Web	Servicemember
XXXX Bank offered me a settlement on a closed checking account of mine which had a negative balance. The settlement amount was {$270.00} the original amount was XXXX. I paid the settlement amount on XX/XX/2023. I requested a letter confirming that I paid this amount. I received the letter from XXXX BANK which is dated XX/XX/2023. The letter states that the account is considered settled in full and will be reported accordingly and no further balance will be due to XXXX BANK which is great for me. Then to my dismay I received a letter from Chex Systems stating that I made a partial payment and that a balance of {$400.00} The letter stated the source of the information was from XXXX BANK I sent the letter that XXXX BANK sent me to CHEX SYSTEMS and called them and they told me they received it but couldn't change the status of the account until they did another investigation and confirmed the validity of the letter I got from XXXX. I called XXXX BANK to ask why my letter says one thing but they are reporting another and the myriad of explanations I got were bizarre. The first representative I got attempted to tell me well it is a partial payment and that what a settlement is, as I argued with this rude young woman and told her the letter that I have says the account is considered settle in full and no balance is owed she hung up on me. Then I spoke with a supervisor who told me they can't control the wording of Chex Systems. I asked what was reported to Chex Systems and the sup said well we just send them an alert we don't send them letters however the representative I spoke with before said they sent Chex Systems the letter so I'm being lied to. I have a bank but it is out of state and I want to switch to a local bank but I can't because of this.
03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MT 59718	Web
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. XXXX - XXXX XXXX - XXXX XXXX XXXX ( Original Creditor : 08 XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX \| XX/XX/XXXX XXXX XXXX \| XX/XX/XXXX XXXX XXXX \| XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX \| XX/XX/XXXX XXXX XXXX XXXX \| XX/XX/XXXX
03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 926XX	Web
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
09/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	FL 33157	Web
Attached below is one account ending in XXXX that was left with a zero balance and was not being used. The bank was contacted In XXXX and not notated of my request to close the account by the representative. I received threatening calls on the behalf of a representative demanding to close the account due to non activity. I agreed that it would be best and asked if my number could be removed from their list for future call. This account remained opened and fraudulent charges was assessed to this account for years including late fees and etc. No notice or documents were ever sent to me regarding their error. After reviewing my chex system report and proceeding to bank else where. I observed and was informed that this negative and fraudulent information reported was the cause of me not being successful in opening an account with other buisness. I am requesting for this account to be removed permanently from my chex system report immediately or there will be further legal action. Attached are emails with was used to open this account proving that I had a XXXX balance throughout the entire time of this account. This account was left opened for fraud and data breaches for the banks gain. I have already been a victim of identity fraud, have reported it, added a security alert with all credit bureauas, chex system and have done a identity report. My information was compromised and found in over 9 data breaches. I currently have a data breach settlement with XXXX for XXXX and XXXX and also with FEMA. For banking information, passwords, email addresses, job information, debit card information, social security numbers and other names used to obtain credit without my consent. XXXX XXXX XXXX is also another listed fraud account ending in XXXX.
06/09/2020	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	FL 33916	Web
I am a victim of XXXX XXXX After being denied access to opening a checking account with a credit union. I ordered a copy of my Chexsystem report. I noticed on the chexsystem report fraudulent accounts that were opened under my name XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. My consumer ID # XXXX. I request that you provide me a description of the procedure you used to determine the accuracy and completeness of the bank 's information. Please send this information to me within fifteen ( 15 ) days of the completion of your reinvestigation. In addition, please provide the name, address, and telephone number of each person you contacted at XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX regarding my alleged account. I also request a copy of any documents submitted to you by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, that bear my signature and show that I have a legally binding contractual obligation to pay them. Be aware that this is my final goodwill attempt to have this matter resolved. As it now stands, the information you have presented to me is inaccurate and incomplete and represents a serious error in your reporting. It is my understanding that your continued failure to comply with federal regulations can be investigated by the Federal Trade Commission ( see 15 USC Section 41 ). For this reason, I am maintaining a careful record of my communications with you should I need to file a complaint with the FTC and the state of Florida Attorney General 's office. If you do not respond within ten ( 10 ) business days, I am prepared to take legal action against your company for causes of action including, but not limited to, defamation, fraud, and violations under the Fair Credit Reporting Act.
07/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	FL 34653	Web
This is in reference to a previous case XXXX regarding ChexSystems. I would like to clarify my dispute for this company I placed a security freeze on file with chexsystems last year. The reason for this is credit unions are generally used for credit products but require a share into savings. Sometimes if just wanting an auto loan or credit card or loan product will allow you to continue with chexsystem frozen because they run your credit through a bureau. My dispute is quite simple. During the time the report was frozen, you are still recording inquiries as if they viewed the chexsystems file. I understand the data was not shared but because you are recording the inquries under " inquiries viewed by others '' it impacts my file. Lets say I decide to unfreeze and the next CU I apply at reviews my file. They will then see all these other inquries into my chexsystem file because they are under that section while in reality they did not even see my chexsystem file. In addition, inquiries are calculated into your score which according to FTC, while in a security freeze this will have no impact to your score. If you want to keep record of it that is fine however this needs to be put under the section only reviewed by you. Which is 100 % true since those companies were not able to see my file. Finally, many pulled multiple times because they were trying to access file. Example would be XXXX XXXX XXXX and XXXX. For you to record the data into the section viewed by others when they actually never saw my file is not accurate and therefore reporting inaccurately. All the other credit bureaus when you have a freeze or a lock will let you know you tried to access file but keep no record of it in the section viewed by others.
11/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75234	Web
Dear Sirs, I have tried to open a bank account back in XX/XX/XXXX. I was denied multiple times by different banks. upon check on the problem of denial, I had seen that there is a " suspected Fraud '' notating by XXXX XXXX XXXX on my Chexsystem report. I remember having a checking account with XXXX XXXX XXXX, never had an issue of any kind. XXXX XXXX XXXX sent me a letter back in XXXX stating that they will be closing my account without any further notice. I had no problem with that, however, XXXX reported " suspected Fraud on my Chexystem report which is currently not allow me to open any checking account with any other Bank. In XXXX, I disputed the reported directly with Chexsystem, The reporting was updated to " Settled in Full ''. I'm not aware of any amount I owed to XXXX XXXX XXXX that lead to be settled. In XXXX, the Term was updated to " Settled in full '' and consumer disputes the reported information. Early XXXX, I called Chexsystem and asked them to remove the inaccurate reporting. The rep of Chexsystems stated that XXXX XXXX XXXX is supposed to remove the reporting. I mailed XXXX XXXX XXXX ( address listed on the report in XXXX FL ) in XXXX to request evidence or at least clarify any of the reporting. Never gotten a response after 60 days. Then I decided to call the number of the department responsible for the reporting, I was transferred to Fraud department, then to Risk Department, then to Closure department. None of these was able to specifically tell me why this reporting is remaining on my consumer report nor why it was reported initially. I'm attached a copy of my latest chexsystem dated XX/XX/XXXX report showing the " suspected Fraud, settled in full, consumer disputes reported data.
01/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77077	Web
I am a victim of identity theft. My office was broken into and several of my identity documents, along with my wallet and check book were stolen. After this theft several accounts were opened in my name. I disputed these accounts and received a letter from ChexSystems saying the dispute was over and nothing was being removed, however a month before I received two letters from XXXX XXXX XXXX saying they did an investigation and found that I did not open these accounts and that they were requesting a removal from ChexSystems. I 'm not sure who has screwed this up and I do n't care. I 've attached copies of the police report and the letters from XXXX XXXX XXXX. Additionally, the following addresses ( which XXXX XXXX XXXX used ) are NOT associated with me and ChexSystems has refused to remove them. I have made ChexSystems aware that these addresses are being used to commit fraud yet they have not removed them or have any effort to follow the Fair Credit Reporting Act and protect me from this fraud. The addresses that need to be removed from my report are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX The address above is reported with several different apartment numbers. All of them need to be deleted. XXXX XXXX XXXX The address above is reported with several different apartment numbers. All of them need to be deleted. XXXX XXXX The address above is reported with several different apartment numbers. All of them need to be deleted. I received a notice from ChexSystems saying that they had mailed a report to some of the addresses above. That is very unfortunate that they did not do any sort of verification before hand and exposed me to further fraud. I have never order a report to any of the addresses above.
05/20/2015	Yes	Credit reporting	Incorrect information on credit report Account status	WA 983XX	Web
Now married to my husband, I have XXXX now attempted to simply get added to our joint account so I may be issued a debit card and purchase groceries, etc. My records indicate, as ChexSystems just sent me my requested copy dtd XX/XX/XXXX that queries were made on XX/XX/XXXX and 5XX/XX/XXXX by XXXX XXXX XXXX XXXX. The bank indicated XXXX times that a code was returned that they can not override indicating I do not qualify to do business with their bank. The reason provided : the code received back from ChexSystems. I then requested the report ChexSystems sent XX/XX/XXXX and it shows the XXXX queries but no other information at all regarding the reason for the code or any cause for me to be denied anything via ChexSystems query. My report shows " no information found '' under the check ordered and reported information sections. If this is indeed the case, reporting to the bank a code that denies me membership is a misreporting of my status and should be corrected as soon as possible. If the report I requested is missing information, then this report should be corrected so I can then find the source of negative reporting and get the situation corrected or disputed properly. I therefore request either a corrected report or a correction to the code returned when a bank requests information regarding me using my social security number or name. If possible, I further request an explanation why for the past year I 've been unable to be added to a joint bank account with my husband, yet the report I requested contains no negative reporting associated with my social security number. I believe I have a copy of the bank 's " bad code '' report, but I definitely have a copy of my ChexSystems report if needed. XXXX XXXX
11/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	KY 40342	Web
Hello, My name is XXXX XXXX XXXX and I have been disputing with Chex Systems for multiple years now. I have tried to reach out and speak with them on the phone and all that happens Is that I receive a copy of the report they have on file. I am now XXXX XXXX XXXX and messed up as a young adult with checking accounts to where I had to file bankruptcy. I have a good career in customer service now and am in the middle of a chapter XXXX and filed a chapter XXXX when I was XXXX. I thought everything was cleared up since, I did file on the banks. A lot of time has passed now, many years but, chex systems is still reporting bad things about me when it comes to me getting a credible checking account. I can not go through a credit union or checking account. I have tried to go to multiple credit unions, and banks to where they always tell me chex systems is still showing a XXXX XXXX under my maiden name XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX for XXXX for NSF. Account number ending in XXXX RTN XXXX under my social ending in XXXX. I did not live at this address since XXXX. I had a XXXX account that I paid in full while living in Kentucky and they advised me that I am settled. There is another account with XXXX XXXX RTN XXXX account number ending in XXXX NSF XXXX stating PAID IN FULL. I have tried to get accounts with XXXX XXXX XXXX XXXX XXXX, University of XXXX, and other banks with credit unions. Not a single one will give a checking account because they state that I need to have chex systems cleared. No one at Chex Systems will help me. I am trying to buy a home for my XXXX XXXX and fix my credit. Please, help me get Chex systems cleared in full. Thank-you, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX
06/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 322XX	Web
CHEXSYSTEMS ATTN : CONSUMER RELATIONS XXXX XXXX XXXX. XXXX XXXX XXXX, MN. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Fl. XXXX RE : XXXX XXXX XXXX RE : XXXX XXXX RE : PREVIOUS DISPUTE LETTER CONSUMER ID : XXXX Dear Sir/Ma'am, NOT A REINVESTIGATION CEASE ALL COMSUMER REPORTING UNTIL REQUEST ARE COMPLETE. I XXXX XXXX/Consumer to ChexSystems in response to your bank statements from XXXX XXXX XXXX and XXXX XXXX these items were not sufficient verifiable information. I would like to request additional documentation for my records. You state the accounts were verified and updated, yet you did not provide me with the documentation used to verify each. Please send me all information with my signatures agreeing to give XXXX XXXX XXXX and XXXX XXXX permission /authorization to sell/report/share/transfer any of my information with ChexSystem, as this is illegal according to FCRA. If your agency has any other supporting documents to prove I gave my written permission/authorization please send them as soon as possible. Per your status sections on the account ( SUSPECTED FRAUD ACTIVITY ) what is your JURISDICTION? Please share with me more information on your data systems used to determine a Consumer 's worthiness. I do understand several of your data systems require permissible purposes from Consumers. Please help understand your data system scoring, functions, PERSONAL/PUBLIC RECORDS ( how are they protected ), cross-referencing your customer. QUALIFILE, XXXX, XXXX, any information pertaining to me within your data systems outside of the disputed items please send for my review and personal records. PLEASE PROVIDE MY FULL CONSUMER DISCLOSURE FILE NOT CONSUMER REPORT AS YOU HAVE ALREADY PROVIDED THIS AT MY FIRST ROUND.
11/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75150	Web
In XX/XX/2018 I found out I was reported to a company called Chex Systems. I reached out to chex systems and at that time chex systems sent a report to my home address. I also made chex systems aware that I am a victim of Idenity theft and fraud. On XX/XX/2018 i filed a dispute with chex systems because there were two accounts that i did not open up from XXXX XXXX as well as XXXX XXXX XXXX. Chex systems sent me out another report stating my information was verified as accurate with XXXX XXXX XXXX and had a signature card attached with no signature on it. On XX/XX/XXXX I sent a detailed letter which was certified to chex systems requesting a copie of signed documents provided by the bank. I also requested the full names, addresses, and direct numbers for each indiviual that chex systems contacted in the course of the investigation. I advised them that verbal confirmation does not suffice as proof of validation. On XX/XX/XXXX Chex systems sent a letter stating the investigation for XXXX XXXX was still in dispute, which put the dispute well pass 30 days, especially when I filed the dispute XX/XX/2018. In this letter Chex system also stated that " If requested by me, chexsystems will provide you with a description of the procedure used to determine the accuracy of the disputed informatin in your file. '' which this is what I requested on XX/XX/XXXX via a certified letter. So Chex sytems has violated my consumer rights in two ways. They are reporting inaccurate fradulaent information from XXXX XXXX XXXX, and two not removing fradulent information that is being reported because they failed to verify my information within 30 days. It has now been well past 60 days from the date i initially filed my dispute.
06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10456	Web
Dear Collections and Consumer Relations Dept. : I was recently informed of negative information reported by XXXX XXXX XXXXXXXX included in the file XXXX XXXX XXXX maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a Checking Account Fraud on XX/XX/XXXX. I am unaware of ever having a Checking Account Fraud from XXXX XXXX XXXX XXXX validate this information with XXXX XXXXXXXX XXXX and provide me with copies of any documentation associated with this Checking Account Fraud bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. Its been four years and I dont get receive any tangible reason. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 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, CFPB and the state of Minnesota Attorney Generals office. should you continue in your non-compliance. further remind you that, as in Wenger v. Trans Union Corp. No, 95-6445 ( C.D, Cal. Nov 14. 1995 ), you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX New York XXXX Sincerely, XXXX XXXX
10/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20784	Web
On XXXX/XXXX/XXXX, I applied online to XXXX XXXX for a loan. The loan request was declined due to my short credit history. On XXXX/XXXX/XXXX, I received a call from a lending company called XXXX XXXX through It 's representative XXXX XXXX XXXX with a loan offer of {XXXX Though I did not apply to the company for a loan, I nevertheless accepted. The representative asked for my bank details which he said the company needed to pay the check for the amount into my account. I innocently gave him my bank details over the phone. I did not suspect any foul play. I did not know he was a fraudster. It was my first time of getting involved in loan transaction. He also asked me to withdraw XXXX from the money which the company would pay into my account and pay it into an account the company would provide me. According to him, I needed to do this to boost my short credit history and prove my trust-worthiness which would qualify me for a bigger loan. Shortly afterwards, I received alert from my bank indicating the check had been deposited into my account. The next day, I innocently went to my account in ANOTHER BANK, withdrew XXXX and sent it to the account that was sent to me. After some hours, I decided to access the account the check was paid into and I realized my account had been frozen. Confused and not knowing what was wrong, I called my bank and they informed me that the checks that were paid into my account were fake checks. I immediately made a complaint to the Police. After investigation, the police gave me the case number to send to the bank, asking It to unfreeze my account, but the bank did n't comply. That is how the account has remained frozen up till now and it negatively affected my credit score.
11/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	OH 432XX	Web
XX/XX/XXXX I experienced identity theft as my vehicle was broken into and my purse and other personal possessions were stolen. It wasnt until XX/XX/XXXX that I had been notified that my bank account with XXXX XXXX XXXX had been frozen due to fraud. When the incident happened I closed all credit cards and requested existing bank accounts to issue new cards that I had. XXXX XXXX XXXX has listed my account as Fraud and when provided with all the documentation they stated that I could not go through them I had to go through ChexSystems to have the fraud removed. Because of the XXXX charge. This has been an ongoing battle as my identity has been compromised and now an entire year later of fighting this matter Im still unable to get a bank account. If it wasnt for having one already for my business I would be stuck. I have tried fighting this with ChexSystems and each time they indicate that XXXX XXXX XXXXXXXX is keeping the status. This is not only unfair but I have never been in a position to where any of my accounts have been flagged as potential fraud. I need help this has been a huge issue for me due to this matter not being handled. The credit Breuers have worked with me they placed all my credit reports on extended fraud, my credit card companies were able to freeze any transactions, however this one particular bank has made it extremely difficult to get anywhere with this. I even went as far as saying I would pay for a charge that was not mine so that I could have this information removed they would even declined that. Please can someone look into this matter as this is going on farther than it should and I just need the right information or person to help me along with this process. Thank you
09/21/2016	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	IL 60657	Web
According to XXXX XXXX ( per my pending complaint ) a ChexSystems score was used to close my account after it had been opened and set up ( approved by a Principal in the company ). I did not receive any notice from ChexSystems regarding a denial or was it clear to me that XXXX XXXX would use a third-pary reporting system without my knowledge. Additionally, the redress option that I was offered from ChexSystems was to order a report because I was denied credit. This is first time I 've even heard of this company as from my understanding the XXXX major credit bureaus determine credit scores. However, this is not the case. The issue I have with ChexSystems is that I was not informed that I was denied an account via XXXX XXXX because of a ChexSystems score. The report I received ( as the letter I uploaded ) indicates I have no history of " mishandled, reported for cause, and/or outstanding debts. '' Either the information that ChexSystems provided to XXXX XXXX was incorrect or there 's another scoring component. Additionally, the language used on the " Inquires Initiated by Consumer Action '' states that " These inquires can be viewed for ninety days up to three years. '' What is the criteria for that? Who determines how long they will stay on the report? Does this negatively affect your score? How can you know your score when the report does n't show it? These are all questions that have not been answered by ChexSystems. It is unfortunate that such an opaque process is used deny consumers the information they need to address an issue that is so clearly important ; understanding consumer reporting agencies and having access to redress issues that are vitally important to a consumer 's financial life.
08/08/2015	Yes	Credit reporting	Incorrect information on credit report Personal information	NJ 07050	Web
This is in response to clarify in simpler terms what my dispute with Chexsystem is about. I requested Chex-System to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following address 's I am here and now disputing as address 's that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED AT:XXXX XXXX XXXX XXXX XXXX , XXXX XXXXXXXX XXXX XXXX XXXX XXXX , XXXX XXXX- My Parents Address NOT MINE!!!! XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX. Please delete these address 's. Now concerning the inquiries that you have listed on your consumer report to me please delete these following inquiries because I did not authorize those Financial Institutions to look at my personal information:1. XXXX XXXX XXXX XXXX Date of Inquiry XXXX2.PNC BANK Date of Inquiry XX/XX/XXXX3.XXXX Date of Inquiry XX/XX/XXXX4. XXXX XXXX Bank Date of Inquiry XX/XX/XXXX5. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX6. XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX7. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX8. XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX9. XXXX Date : XX/XX/XXXX10.XXXX XXXX Date XX/XX/XXXX11. XXXX XXXX Date XX/XX/XXXX12. XXXX XXXX DAte XX/XX/XXXX13. XXXX XXXX XXXX Date XX/XX/XXXX14. XXXX XXXX Date XXXX15. XXXX XXXX XX/XX/XXXX16. XXXX XXXX XXXX Date XX/XX/XXXX17.XXXX Date XX/XX/XXXX18.XXXX XX/XX/XXXX19. XXXX XXXX XXXX Date XX/XX/XXXX20. XXXX XXXX Date XX/XX/XXXX21. XXXX XXXX Date XX/XX/XXXX22. XXXX XXXX Date : XX/XX/XXXX23. XXXX XXXX XXXX XXXX Date XX/XX/XXXXPlease Delete all those inquiries I have included the consumer report that you sent me and I have attached my Drivers License and my utility for verification of myself and my address
01/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20815	Web	Servicemember
I am a natural person. I have rights under 15 USC 1681 Chexsystems is govern by 15 USC 1681 and they violated my rights. I demand the account below be removed immediately According to 15 USC 1681 I have the right to privacy and I did not give Chexsystems written permission to furnish these accounts. Moreover items were reported fraudulently and inaccurately and in accordance with the Fair Credit Reporting Act all items must be XXXX XXXX accurate when reporting and account reported are not 100 % therefore I demand for All accounts get deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX also called XXXX XXXX to remove all reported items XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX Chex Systems Account number XXXX I dont have any installment loan with XXXX XXXX XXXX XXXX XXXX and I never signed or authorized any installment loan with XXXX XXXX XXXX XXXX XXXX XXXX I never written any checks from XXXX XXXX XXXX XXXX XXXX The furnisher XXXX ( XXXX XXXX ) responded to prior CFPB report case number XXXX that the reporting was not made by them ; therefore, I can conclude the reporting is done fraudulently ( page XXXX of XXXX ) I gave Chexsystems a copy of the CFPB and they ignored my request to delete account I gave Chexsystems a copy of my FTC filing stating that the XXXX accounts requested to be deleted are fraudulent. FTC report XXXX regarding identification theft Moreover all XXXX accounts are inaccurate on all XXXX credit files and 15 usc 1681 states credit files have to be XXXX XXXX accurate XXXX stated they did an investigation however all XXXX credit files are still inaccurate I want all accounts deleted immediately
09/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43224	Web
After recently being denied for a checking account, I viewed my credit report and noticed many errors. The account listed below is reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account be verified or deleted immediately : ChexSystems. The following addresses are NOT affiliated with me. XXXX XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX. XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX . XXXX XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. There are also unknown inquiries that I am unfamiliar with. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( on behalf of XXXX XXXX ).
05/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	FL 33157	Web
Prior to this dispute I have disputed accounts on my chexsystem report that were fraudulent and unauthorized without my knowledge or consent. I have several security alerts on all 3 of my credit reports with the bureaus due to fraudulent activity, my information being exposed in several data breaches and also on the dark web. Such my social security number, past and current address I resided, employer information, hacked email addresses, passwords to banking information, different spellings of my name was used to create accounts, also a loss drivers license which was replaced on XX/XX/2018 and also other personal information compromised. There are a few bank accounts that were opened in my name. I was not contacted or received any documents of this information listed in the check system. XXXX XXXX XXXX has reported fraudulent information and has harassed me via phone in reference to collecting moneys not owed. A collection agency has been contacting me via phone as well, stating that they are collecting the unpaid moneys on the behalf of XXXX XXXX XXXX and this is an attempt to collect a debt and if not paid to them I will be prosecuted. Due to this fraudulent account and reporting to the check system. I am unable to open any accounts with any other banks and the harassment from both companys has impacted my life in a drastic way. I am requesting for XXXX XXXX XXXX to delete these inaccurate account and all derogatory information from my chex system report. Count your losses, delete this negative inaccurate information and please stop the harassment for legal action is taken. Attached are documents proving my identity was compromised and a identity theft report was also done online.
11/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29715	Web
XXXX XXXX once again refuses to say how they can demand a signature on an identity theft report that's produced by the federal government and they can break the law section 605B of the FCRA by not blocking the items within 4 business days. There is a fradulent a dress on my XXXX XXXX XXXX report that was attached to a fraudulent account that they already removed, And yet they're claiming that I gave them this a dress on the phone and I'm telling them it was the fraudster probably. They have a police report that signed and good back to XXXX and this fradulent a dresses from XXXX and yet they are not blocking it they're asking me to go get something else notarized and sign which is totally against the law. The law is very clear in does not require what XXXX XXXX is asking for. I want them to say how they derive the power to break the law simply because of a request they come up with as opposed to what the law says and requires. Because the FTC report says a business may require that a report be filed with the local law enforcement, It's not mean they can break the law and not block within 4 business days because the law allows them to put it back on if they find something amiss. They still have to block within 4 business days they can't add more time to the law is my claim and what they are doing is breaking the law. That's what I want stop because I'm sure they affect more than just me you don't have to act for an individual but act on the company that's breaking the law. I made a statement under the penalty of perjury which courts and the law say is sufficient in lieu of a notary. XXXX XXXX is not accepting this and they're demanding more from me which is a 100 % against the law
09/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA XXXXX	Web
I had recently gottten my credit run and pulled by XXXX XXXX and XXXX XXXX XXXX. I was told I am not qualified to open an account due to what XXXX XXXX XXXX XXXX XXXX XXXX had REPORTED to CHEXSYSTEMS and to the credit companys. As soon I was notified of this information I knew it was incorrect and as I am a victim of Identity theft and I have gone through similar problems I knew that this was not me and I had Never banked with XXXX XXXX XXXX or XXXX I have been with XXXX XXXX since XX/XX/2004 and my home mortgage is also through them and I continued to stay with them. I had contacted XXXX XXXX XXXX Immediately via phone and I received NO HELP at all in fact I was told an Attorney can contact them if I thought this was Fraudulent. I then went into the Bank at XXXX XXXX in XXXX WA ( new location ) and submitted all my documents which included ID Theft Affidavit, Police Report, Credit Freeze showing proof that my credit is on freeze and alert, Social Security Letter showing that I notified SSA, Federal Trade Commission Report and more. I was rejected again and again. I also went into XXXX and gave them all the documents, told them I never banked with them and someone is using my Identity. I was ignored and no one helped. I am XXXX XXXX XXXX Employee ( XXXX ) for XXXX as a XXXX XXXX XXXX and my credit, my Identity and my value and worthiness is very important to me. I have had continues ID theft and its very hard for me to stop this without any help even after submitting countless amounts of documents. I am very tired of this and need XXXX XXXX XXXX and also XXXX to please remove me off their ChexSystems and also notify Chexsystems that this is an error on their end.
03/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web
I applied for a checking account with both XXXX and XXXX XXXX XXXX on XX/XX/XXXX and was denied due to incorrect reporting of a fraudulent account that was proven to be fraud by XXXX Police Department. The police report number is XXXX. I disputed the information with XXXX XXXX XXXXXXXX but they have yet to delete the fraudulent account from my credit. I have a pending lawsuit against XXXX XXXX XXXXXXXX for incorrect credit reporting. The report sent to XXXX XXXX XXXXXXXX on both XX/XX/XXXX and XX/XX/XXXX : I stored my personal items at a friend 's house because I was XXXX for a few months prior to relocating to college in XXXX, XXXX. I went to XXXX XXXX XXXX on XX/XX/XXXX in XXXX, XXXX to be added to my aunt 's checking account as an authorized user and was told there was an account on my XXXX report from XXXX XXXX XXXXXXXX that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX, XXXX, XXXX ). I filed a police report in XXXX, XXXX, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, XXXX, stole my identity, then used my information to open an account without my permission. The account was opened in XXXX, according to XXXX report. I attached my IG with my XXXX address, the only address I've ever lived. XXXX XXXX XXXXXXXX Replied stating they would not remove the account and expected payment because an individual walked into the bank on XX/XX/XXXX and opened an account with my ID. My ID and SSN card was stolen, as I stated above, and even after I provided XXXX XXXX with the identity theft criminal report case number from XXXX Police ( XXXX PD Criminal Report # : XXXX ) upon request, the account still has not been removed.
02/04/2021	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	AK 995XX	Web
Back in XX/XX/2019, someone gained access to my XXXX XXXX account information and completed wire transfers of large sums of money into my account, XXXX XXXX However, XXXXXXXX XXXX continued to accept deposits from these people well after my call to them informing them of the fraudulent activity and froze my assets for about 2 weeks. In return, they forced me to close the account that I had with them for 8years with no problems before this other than a few overdrafts paid immediately ; they printed a check for my funds in the account. To my understanding, there were no fees owed to them, so I don't understand what their motive is. Because I called XXXX and made them aware of the strange activity, the thief or thieves I don't know who the XXXX they are could not do what it was they set out to do. So I took my check and deposited it into my new credit union account, however ;, now that I have relocated from XXXX to XXXX and have attempted to open a local bank account, I have been denied ; I made another formal complaint against XXXXXXXX XXXX, got a letter stating they are working on resolving the issue and will be in touch. Well, that was about 3 or 4 months ago, and I have yet to hear anything, so I think the issue is resolved! Wrong again, I am ; I go to cash a check at the local XXXX and get denied there. I call XXXXXXXX XXXX again ; the lady gives me the number to ChexSystems, helps me print off a report, and noted this report. Still, a bunch of inquiries, I call ChexSystems back, and the man tells me he can not help me and that I should call the financial institution. Who am I supposed to call if I don't know who has blocked me from having a bank account in XXXX?
10/29/2015	Yes	Credit reporting	Credit reporting company's investigation No notice of investigation status/result	CA 91335	Web
RE : XXXX ( Attached ) So far ChexSystems is really digging themselves deeper1. Multiple counts of violations of FCRA, including but not limited to section 623. 2. Willful noncompliance. 3. Multiple violations of the Fair And Accurate Reporting Act. 4.Defamation Of CharacterNo letters have been received in the mail from ChexSystems and if they were sent, please provide USPS certified tracking numbers. All of my letters to them all have been sent via USPS Certified Mail. Chex Systems claim they " verified '' the account, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification. Unless you have something bearing my signature on it and have verified my identity, no proof exists. I am not going to the police to claim identity fraud until I 've investigated these items myself. I am not claiming identity theft, I am simply asking for proof that I am lawfully entitled to. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Please let me know and I will send you an opinion letter from the FTC, ( the XXXX ) letter, specifically addressing the kind of " documentation '' you have sent me. The fact that ChexSystems XXXX are resisting proving PROPER proof according to FTC standards is raising other issues, including, but not limited to FCRA 623. My request remains..proove it or delete it. I am forwarding a copy of this to the following : cc : Office of the Comptroller of the Currency ( OCC ) OCC XXXX XXXX XXXX, XXXX, XXXX. XXXX : XXXX XXXX XXXX XXXX., my attorney XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX
04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	HI 96814	Web
1. XXXX XXXX 2. Date of false reporting starts almost 4 years ( XXXXXXXX XXXX ). Its still reoccurring to this day. 3. They first reported me to credit bureaus, so i sent correspondence to shut that down immediately. Was taken down/off my report first thing. And since chexsystems isn't something most people know about unless are dealt with a situation that requires them. Someone can falsely report you under detection, as not one place told me " oh you have an outstanding balance at XXXX. Sorry. '' That was until last year when i moved to Hawaii. XXXXXXXX XXXX i tried to get let me know, XXXX bank is the one that is reporting you owing money. Besides the account being apart of an identity theft, I never owed them anything. They kept lying and saying my bank reversed deposits. I sent them bank statements of the month in question as well before and after discrediting their theory. They replied by saying that isn't true and then hanging up. I tell them I'm closing this account and only keeping my XXXX XXXXXXXX acct. Then a year or months later send me notice i am delinquent and owe almost {$900.00}. fast forward and they have continued to report me after not 1 but 2 failed investigation attempts by chexsystems. With the last one going to banks favor even when i have my bank send photo proof someone tried to deposit the check into a closed account. But this shows proof of receipt which they deny. And base there bs off in first place. Im sending with this report my bank statement who issued check directly to XXXX XXXX. And lastly the reply from my bank that issued said check on its current status as well as anything being shown that XXXX received check.
06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11414	Web
I have wrote to the credit reporting agency and also send the letter I received from the court stating that they did not send or share my private information with the credit reporting agency. A Bankruptcy is being reported in my credit file which should not be reporting on my file. this is a violation of my consumer right pursuant to the privacy act of 1974 -5 U.S.Code section 552a. this law applies to the access to, and disclosure of, records of individuals held by federal executives and regulatory agencies.The agency also violates 17 CFR 230.425 filling of certain prospectuses and communications under section 230.135 in connection with business combinations; soliciting materials according to rule 14a-12 under the exchange act and Sarbanes-Oxley act of XXXX XXXX This error on the credit reporting agency part is destroying my life, I am XXXX and now suffering of XXXX I am being denied credit. I have not given this agency a written consent to report this information in my file yet they are reporting what ever they feel like selling and buying my personal and private information, they are also violated 17 CFR 248.124 Reasonable opportunity to opt out. I have tried to resolved this issue in XXXX and I have been ignored and disrespected every and each time I have reached out in good faith.As a federally protected consumer I am opting out of any and all authorization I the consumer may have giving you per 15 USC 6802 per the opt out law cease and desist immediately reporting the bankruptcy on my credit file.The violations include obtaining information under false pretence, pursuant 15 USC 1681q ; permissible purpose of my consumer report.15 usc 1681b
11/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33055	Web	Servicemember
RE : Disputed Account - Notice to Furnisher XXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC/Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC's/Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions. I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX Enclosures : XX/XX/ Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.
05/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 98031	Web
I have contacted both Chexsystem Inc and XXXX XXXX XXXX ( hereinafter " XXXX '' ) regarding a business transaction in the amount of {$25000.00}, reported to the Chexsystem as an XXXX XXXX XXXX dated of Closure XX/XX/XXXX. Routing number XXXX and Account number XXXX. I provided to XXXX XXXX of XXXX and Chexsystem disputing this information by providing Title 12 CFR Section 1026.3 Exempt Transactions. ( a ) ( 1 ) The following transactions are not subject to this part or, if the exemption is limited to specified provisions of this part, are not subject to those provisions : ( a ) XXXX, XXXX, XXXX, or Organizational credit. ( XXXX ) An extension of credit primarily for a business, XXXX or XXXX purpose. XXXX violated Section 5 of the Federal Trade Commission as well as the Fair Credit Act 15 USC Section 45 Prohibits unfair or deceptive acts or practices in or affecting commerce. I pointed out to both that XXXX willfully and deliberately deceived me by appearing to use the last XXXX of the account number XXXX. However, the last XXXX account number is actually XXXX. I notified Chexsystem and XXXX XXXX pointing this deceitful act out to no avail! To add insult to injury, Chexsystem changed the dollar amount from {$25000.00}, to now as of XX/XX/XXXX {$22000.00}. I brought this issue to the Chexsystem and they decided to become complicit in the unfair and deceitful practice and I am now bring this to this agency 's attention for resolution. I am requesting an investigation into the employees working for the Chexsystem misconduct by refusing to delete this inaccurate information. I am requesting this inaccurate information deleted promptly. Thank you.
02/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL XXXXX	Web
XXXX AND XXXX ARE PARTNERS IN CRIME, PROOF HERE, THE ORIGINAL INSTRUMENT HAS VALUE SO WHERES THE DEBT?, WHERES THE ''BILL ''? HEY XXXX, WHY ARE YOU MAKING FALSE CLAIMS ON ME,? HI XXXX XXXX YOU CRIMINAL MISCREANT, your letter you sent to me has no wet ink signature, its not binding, your words are fraud and presumptions, you never said what you did with the negotiable instrument i deposited into XXXX, isnt it true XXXX attached a cusip number with medallion seal and sold it as a security?, isnt it true that your insurance policy covers all negative balances after 90 days? isnt it true XXXX has been paid more than twice the amount of XXXX?, so where is the debt? where is my ''bill ''? you have my billing address and i never received a ''bill '', do you know the definition of a bill and a statement? how would you like to explain all this fraud in front of a jury, if the check was fraudulent WHY THE XXXX DID XXXX SELL IT?, MY X-GIRLFRIEND WORKED IN A BANK FOR 27 YEARS, YOU THINK I DONT KNOW WHATS GOING ON? AND I DONT HAVE ANY CONTRACT WITH XXXX THEY DONT MEAN XXXX TO ME BUT YOU XXXX CRIMINAL ARE IN SOME HOT WATER NOW, I never received any varified complaint of any ''wrongdoing ' sworn to before a notary either, furthermore you say federal law allows banks to substitute check,, so show me the citation you are speaking about, SHOW IT TO ME WITH CLARITY BECAUSE YOUR YELLOW HIGHLIGHT IN THE LITTLE BOOK DOESNT MEAN A XXXX XXXX THING, ITS TOTALLY VAGUE AND NOT VALID, SO SHOW ME THE LAW, SO WHATS THE BIG SECRET, XXXX AND ALL THE BANKS SELLING PEOPLE 'S SIGNATURES AS SECURITIES RIGHT,? XXXX MY ORIGINAL CONTRACT WITH SIGNATURE, YOU SOLD THAT TOO RIGHT?
02/20/2019	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	KY 40291	Web
I filed bankruptcy on XX/XX/XXXX and it was discharged in XX/XX/XXXX. I submitted these records to XXXX and ask that they send me a copy to reflect as such. They sent me a copy of my file stating everything was clear in the file and that nothing exist in it. I preceded to apply for a new checking account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX mostly at banks, credit unions and for credit cards, but continued to be denied as a result of the information received from XXXX. I did a follow-up phone call with XXXX and again they verified nothing was in my file. A year later I tried again to apply for checking accounts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and still were denied based off information from XXXX. I again submitted a written request to find out what is on my file, I received again another letter indicating again that nothing exist in my file. so I applied for new checking accounts and credit cards XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with continued rejection based off of XXXX records. I again contacted them in writing and was told on XX/XX/XXXX that nothing was in my file. Finally I wrote for a re-investigation and received on XX/XX/XXXX a letter that they determined that there was three entries that was in my file from XXXX XXXX date some back in XX/XX/XXXX-XX/XX/XXXX, that this old information should have been removed years ago but was not. I feel that XXXX should be accountable for all of my stress and down fall of credit and bank accounts, as a XXXX person this cause a great deal of unnecessary credit issues and held me back from an opportunity to build my credit.
03/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75044	Web
XXXX still contains fraudulent addresses and fraudulent information on my XXXX file. XXXX was notified well over a year ago that I was a victim of identity theft. My ID was stolen, my wallet was stolen and I am a victim someone has used my identity without my permission to fraudulently apply for checking and savings accounts. These inquiries XXXX has listed are fraudulent. XXXX won't send me an updated copy of report knowing this is fraudulent. They are damaging my XXXX score because of the fraudulent information being reported. They have fraudulent addresses from XXXX and XXXX on there as well as from XXXX which i have never lived at. I live in XXXX and have for the past two years. I am providing a copy of my identity theft report below. I am requesting that the Fraudulent Inquiries be blocked immediately per my consumer right as I have already filed these with the police department. I am providing you with an affidavit. Please update my XXXX file to block the numerous duplicate applications you are allowing on my file causing inquiries. These include XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, - Which was already notified of the fraud and blocked it. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The fraudulent addresses are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Tx XXXX. XXXX XXXX XXXX XXXX, tx XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. As well as XXXX XXXX Fraudulent inquiry. XXXX is fraudulent as well as XXXX XXXX XXXX XXXX.
02/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL XXXXX	Web
CHEXSYSTEMS COMMITS FRAUD BECAUSE THE BANK IS A TOTAL FRAUD THEY THEY CO-CONTRACT WITH ; ; ; ; ; ;,,, SEE EVIDENCE HERE,,, XXXX WANTS TO XXXX ME AND THEY USE XXXX TO EXTORT THE FUNDS,, XXXX AND XXXX XXXX COMMITS FRAUD, he claims i owe something when the original instrument is quite valuable i see they make up excuses to keep this alleged ''bad check '' that they made profits from and keep secrets, if the check was bad so give it back, but rather the contrary i did them a favor and made them a securities instrument they can sell because thats what they do to everybody. Unless you can provide a verified complaint which lawfully consists of a sworn statement under penalty of perjury notarized with your wet ink signature also provide me with proof of debt which would be a bill other rather than a statement all this XXXX you're talking about is nothing but presumptions and word semantics and I'm not falling for it because you're guilty and I'm going to prove it furthermore you have not cited the particular federal law you speak about which federal law? Quote me the citation that you highlighted in your little book that you sent to me show me the actual federal law that you speak of. A bill would show something that's old I have never received a bill. The check that you have sold as a Securities instrument with my wet ink signature I have located it and when I fly over on the airplane to retrieve that instrument all XXXX XXXX is going to break loose I'm going to expose the biggest fraud of the banksters you don't XXXX sell my XXXX signature and make profit off of it and then tell me that I owe you something let me tell you something XXXX XXXX
09/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	WA XXXXX	Web
I had recently gottten my credit run and pulled by XXXX XXXX and XXXX XXXX XXXX. I was told I am not qualified to open an account due to what XXXX XXXX XXXX XXXX XXXX XXXX had REPORTED to XXXX and to the credit companys. As soon I was notified of this information I knew it was incorrect and as I am a victim of Identity theft and I have gone through similar problems I knew that this was not me and I had Never banked with XXXX XXXX XXXX or XXXX I have been with XXXX XXXX since 2004 and my home mortgage is also through them and I continued to stay with them. I had contacted XXXX XXXX XXXX Immediately via phone and I received NO HELP at all in fact I was told an Attorney can contact them if I thought this was Fraudulent. I then went into the Bank at XXXX XXXX in XXXX WA ( new location ) and submitted all my documents which included ID Theft Affidavit, Police Report, Credit Freeze showing proof that my credit is on freeze and alert, Social Security Letter showing that I notified SSA, Federal Trade Commission Report and more. I was rejected again and again. I also went into XXXX and gave them all the documents, told them I never banked with them and someone is using my Identity. I was ignored and no one helped. I am XXXX XXXX XXXX XXXX ( XXXX ) for XXXX as a Internal XXXX XXXX and my credit, my Identity and my value and worthiness is very important to me. I have had continues ID theft and its very hard for me to stop this without any help even after submitting countless amounts of documents. I am very tired of this and need XXXX XXXX XXXX and also XXXX to please remove me off their XXXX and also notify XXXX that this is an error on their end.
08/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 993XX	Web
On CHEX SYSTEMS REPORT there is a bank account that is reporting and is not mine and is very noticeable and verifiable because it show the last 4 digits of the social security to NOT match mine. This bank account has the same name and DOB but of course different social security numbers because we all have our own social security numbers. I disputed with Chexsystems and they claim that the negative reporting of the bank is accurate, because the bank CLAIMS that when this negative bank account was opened, the social security number they are reporting on my Chex systems report is what was used to open the account. They are claiming that just because we have the same name and DOB that this account is mine, which I CAN'T UNDERSTAND why if the bank is showing a total different SOCIAL SECURITY NUMBER than mine. Last 4 numbers are all different. So here I get stuck on my Chex systems report, reporting a FALSE account which you can clearly see that the ss number is different reporting on my report. If Chex systems can VERIFY themselves and clearly see that those numbers are incorrect why don't they remove that information? That is against the law to report something that is not yours on your credit report. Chexsystems refuses to remove it just because the bank says that it is the social security number that was used at the time the account was opened. I clearly understand that but shouldn't it be reporting on the person who has my same name and same DOB but DIFFERENT SOCIAL SECURITY NUMBERS? This is how people are different from every person who has the same names and same DOB and same addresses is by our SS Numbers. Remove this account Please.
05/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA XXXXX	Web
On XX/XX/XXXX I entered into a settlement agreement with XXXX XXXX XXXXXXXX regarding Account # XXXX for a balance they claimed I owed them. This settlement agreement resolved all claims against me and any claims I had against XXXX XXXX XXXXXXXX. On XX/XX/XXXX XXXX XXXX XXXXXXXX submitted information to XXXX XXXX and Chex Systems claiming that my account was closed due to Checking Account Fraud. They also reported that the account as of XX/XX/XXXX was unpaid. On XX/XX/XXXX, I attempted to open two checking accounts - XXXX XXXX, and XXXX Bank and was denied a checking account based on the information reported by XXXX XXXX XXXXXXXX to XXXX XXXX and Chex Systems. XXXX XXXX XXXXXXXX is no longer acting in good faith or under the terms and conditions of the Settlement Agreement we finalized on XX/XX/XXXX. XXXX XXXX XXXXXXXX 's errors has caused me adverse actions ; I was denied two checking account opportunities and the opportunity to establish a new relationship with another financial institution. XXXX XXXX XXXXXXXX 's actions also caused me extreme public humiliation and embarrassment as I was turned down by these banks and had to suffer during and after conversation. XXXX XXXX XXXXXXXX never provided me the opportunity to engage their claims that my account was considered checking account fraud. I never committed checking account fraud. I used the account for personal purchases. Finally, I believe XXXX XXXX XXXXXXXX 's actions toward me are malicious, deliberate, and well defined against XXXX XXXX consumers who seek to pursue justice in a court of law and their actions violates my rights under the Fair Credit Reporting Act
10/07/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	TX 770XX	Web
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Presons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. ChexSystems and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved if ALL derogatory information is not deleted from my consumer report within 30 days of I will forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Original Information.
07/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO 80401	Web
I am a victim of ID Theft. I filed a fraud dispute with Chex Systems and they failed to verify the debt and/or provide documents used to verify the debt as allowed per FCRA. I filed the dispute online for fraud accounts listed with them and multiple inquires. I filed on fraud accounts listed with XXXX XXXX, and XXXX XXXX. They were sent police report and FTC reports. I contacted them via phone to about the disputed information. I was told that the documents needs to have a handwritten signature. FCRA does not require a FTC or police report to be handwritten or signed. The supervisor refused to remove the fraud account of XXXX XXXX and I was notified it was verified as " accurate ''. I contacted XXXX XXXX to get the documents used to verify the fraud and nothing was provided. I asked Chex Systems to provide me with the documents used to verify the debt and nothing was given and told Im not entitled to anything. That is there policy. They are in violation of the FCRA and I am seeking litigation against them and will seek all damages allowed by law. They need to remove the FRAUD ACCOUNT AND INQUIRIES that were disputed and send me an updated copy of my report. I was told if it was signed it would be removed immediately. I have the conversation recorded for legal purposes. Chex Systems is not following FCRA guidelines for disputes or providing documents as requested to show the reason why an account was verified. XXXX XXXX has no documents to show ownership. They have no copies of and ID or SS card. No signature on file, fraud address was used to open the account. Account closed checks from other parties were used in this account.
12/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19144	Web
For the past XXXX years, I have been notifying your corporation that an " alleged '' " fraudulent '' " illegal '' and " erroneous '' account XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been furnishing on my consumer report and in my consumer file. I have submitted numerous complaints, affidavits, CFPB complaints, and submitted Attorney General complaints and each time your customer service representatives come back fraudulently and erroneously " verifying '' the alleged account. Not only is the furnishing of the alleged account XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is a violation of my right to privacy, the alleged account has caused me financial hardship and embarrassment. I have never given your corporation permissible purpose to furnish said account nor do you have my written consent to furnish said account XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which are all violations that fall under the restrictions of the Federal Credit Reporting Act. According to Federal law, your corporation should be exercising fairness, impartiality, and respect for my right to privacy under 15 USC 1681 a ( 4 ). The illegal furnishing of this account violates my federally protected consumer rights under the FCRA. The furnishing of this account also violates the standards and regulations of METRO-2 COMPLIANCE! Attached you will find my most recent letter sent to your corporation not only informing you of your violation under the FCRA but also your lack of ability to stay in compliance to METRO-2 standards and regulations.
10/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	DC 200XX	Web	Servicemember
On my XXXX credit rep. I saw THIRD PARTY SUPPLIED Information. It was submitted without my consent, and in violation of my identity privacy rights. There was too much too confidential information. I called to CHEX SYSTEMS.com co. who supplied this THIRD PARTY INFORMATION for XXXX. I spoke with XXXX, Employee # XXXX. Her number is XXXX. CHEX SYSTEMS is XXXX. XXXX Is in XXXX, MN. I explained that I am very very disturbed by what I see on XXXX about my home. That it looks like someone wanted to lend me money for a car, against my home maybe? The company is XXXX XXXX. But I dont know who they are and never heard of them. I also never ever received a CONSUMER REPORT from CHEX SYSTEMS .com. XXXX asked me if I received a Consumer Disclosure report from CHEX SYSTEMS? I told to her, that I did not receive Consumer Disclosure Report from CHEX SYSTEMS. She promised to mail it to me. XXXX initiated a DISPUTE today to investigate who XXXX XXXX are and why they requested so much information about me. I t is my understanding that Chex System can not remove THIRD PARTy SUPPLIED INFORMATION from my XXXX Credit Report. Yesterday Federal Trade Commission 's agent XXXX told to me, that I must contact only Consumer Financial Protection Bureau to help me to remove or dispute unwanted or double or irrelevant to credit report information about me. XXXX Id # XXXX from CHEX SYSTEM also advised me to file a POLICE Report, to go to POLICE and file a report about IDENTITY Theft or that someone is trying to get information -- too much information about me and my home, and report this to the XXXX XXXX POLICE what I intend to do.
12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30126	Web
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
03/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70117	Web
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. XXXX XXXXXXXX {$2600.00} XX/XX/XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$16000.00} XX/XX/XXXX
05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20747	Web
Hello, I had a checking account with State Department XXXX XXXX XXXX ( XXXX ). In XX/XX/XXXX, I caught XXXX and was hospitalized for Covid and Congestive XXXX XXXX. At that time, my account was overdrawn. I spoke with XXXX and told them my situation. However my checking account was closed by XXXX for non payment and reported to credit reporting agencies. My account was then placed in chex systems. I was discharged from the hospital in XX/XX/XXXX. On XX/XX/XXXX, a direct deposit in the amount of {$2700.00} ( my first XXXX payment ) was deposited in to the checking account ). This left me me with a balance {$2600.00}. XXXX took the {$120.00} which was owed to them. I tried to open a checking account and was denied. I then pulled my credit reports from all 3 Major reporting agencies. As well as secondary and banking well as banking reporting agencies. XXXX still had unpaid on all reports. I reached out to them on XX/XX/XXXX and let them know that the debt had been paid. I asked them to remove the inaccurate information from all credit and financial reporting agencies. XXXX continued to show the debt unpaid on all credit and financial reporting agencies. I reached and again via XXXX mail and email. I applied at XXXX financial agencies and were denied based information on my Chex Systems report. I contacted Chex systems via XXXX mail and XXXX and asked that this inacurrate information be removed. I was told it would be. On XX/XX/XXXX, XXXX sent a letter verifying the debt paid. However I was denied a checking account again today XX/XX/XXXX. Is there anything you can do to assist me with this matter. Please Advise
04/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30127	Web
The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. XXXX XXXX Acct XXXX. : XXXX Date XXXX Below are the following US Code violations these entities have committed. 16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show XXXX XXXX XXXX XXXXXXXX, and ChexSystems are all in direct violation. As Ive yet to be contacted via phone by any of these entities regarding the deletions or blocks that they detail in their previous responses. These blocks XXXX XXXX XXXX places on my report immediately get removed with NO details of the investigation, regardless of all information I supply them with that, quite literally, details all aspects of my identity theft.
03/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	CA 90680	Web	Older American
This is a complaint against XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Mn. 55125.My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX, XXXX XXXX, XXXX, Ca.XXXX.Some time ago I opened a checking account at XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX added a feature called " bill pay '' without explaining to me that there were risks involved in having that feature, and they then paid XXXX fraudulently submitted bills out of my checking account without asking me whether the bills were legitimate, which they were not. I was then held " responsible for the " debt '' so created, and reluctantly paid it off as soon as I could, even though it was not my fault. Nevertheless the matter was reported to XXXX XXXX by the XXXX XXXX and XXXX XXXX has been barring every attempt by me to open a new checking account, such as at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and so on, all based on derogatory information from XXXX XXXX XXXX XXXX XXXX XXXX even closed down my existing checking account based on derogatory " information '' from XXXX XXXX XXXX XXXX XXXX has no business causing me harm this way, especially since I paid off my falsely create " debt '' so-called to XXXX XXXX XXXX XXXX XXXX and have had no defaults anywhere. I called XXXX XXXX over the phone but received no satisfactory information from them. They would " disclose '' nothing. They would not answer any questions nor provide any relief. I appeal to CFPB for help with this problem created by XXXX XXXX XXXX and would like CFPB to stop XXXX XXXX from doing all this to damage my reputation. Thank you, and I look forward to a favorable response.
05/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23225	Web
Starting 90 days ago I reached out to Chexsystems to advise them that per my consumer reports that they were in violation of many of my federal consumer rights. They continued to respond to me with a response that their information Was verified and accurate. I tried again 60 days Ago and 30 days as above and yet and still They provided me the same reason which you can see for your self per exhibit A, Fact the fcra is a federal law that regulates the collection of consumers credit information and access to their credit reports it was passed in XXXX to address fairness, accuracy and privacy of the consumers. Fact per proof on exhibit A that Chexsystems is in violation of 15 usc 1681b ( a ) ( 2 ). Permissible purpose. I never Provided XXXX with written consent to report anything on my consumer report/ file. When there is no consent that is identity theft. Fact per proof attachment labeled exhibit A that Chexsystems is in violation of 15 usc 1681a ( 2 ) ( i ), as myself the original creditor defined by XXXX only I can Validate a debt and I do Not validate this debt. Fact per attachment exhibit A Chexsystems is also in violation of 15 usc 1681a ( 2 ) ( b ) which the law that any authorization or approval of a specific extension of credit directly or indirectly by the issuers of a credit card or similar device. Chexsystems stated that they verified This item, but that is not true, Im the original Creditor Im which I Unable to extend credit to myself. Per fcra civil liability for willful noncomplaniance per 15usc 1681n ( a ) 2 ( I ) federally consumer laws were violated and the due amount to me is {$3000.00}
09/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32216	Web	Older American
I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report. I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ). I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether. I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 773XX	Web	Servicemember
XXXX XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX & Zip : XXXX, TX XXXX Re : Identity Theft Complaint ( Remove Inaccurate Inquiries ) Receiver : Chex Systems , Inc. Address : XXXX XXXX XXXX City, State, Zip Code : XXXX, MN XXXX Attn : Consumer Relations Consumer ID : XXXX To whom it may concern, My credit consumer report withholds inaccurate information communicated from Chex Systems provided by their client XXXX. These transactions were initiated without my permission. I did not consent to any of these inaccuracies and have filed a complaint of the violation. Pursuant to 15 USC 1681 ( a ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ), There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX has already been made aware of these inaccuracies. On behalf of their client, I am upholding Chex Systems to the same standard of the law. These inaccuracies are a violation of my consumer rights to privacy, and a violation of the reporting agencys unfair reporting of inquiries that I did not consent to. The inquiries listed below should be removed IMMEDIATELY, as they are inaccurate, and violations of my right to privacy and the Fair Credit Reporting Act : ChexSystems Date Creditor Name XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX The above, inaccurate inquiries should be removed from my consumer report immediately. Regards, XXXX XXXX XXXX
12/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	DC 20020	Web
I have contacted Chexsystems on multiple occasions concerning a heavy file that needs correction. The first part of my complaint is all the different names and variation. The only name that should be on file is XXXX XXXX XXXX. I was unable to dispute this information by speaking to call center representative. I have saw and learned of over over 10 different erroneous mismatch misspelled and unknowns name that I have never held. My birth name Is XXXX XXXX XXXX and I need all names to be corrected and removed They claim they have received documents that gave them authorization to merge files. I have not been provided any copies of any ID and Social Security card from all the alias. I need to know by law can they legally do this and combine fraudulent information on my consumer file. If documentation can not be provided by form of a legal court document of each linking the names. They must split the files. They must not violate the law Secondly, I need to dispute every inquiry on my Chexsystem file for the last 3 years since XX/XX/2009. I have not applied for banking services and not gave anyone or financial Institution permissible purpose to view my file and strongly deny this and require proof as my consumer right that I consented to any inquiry via FCRA section 609,605 and section 623. If no proof, deletion is required They also claim they may need a police report. According to the law, a police report is not needed to dispute inaccurate information and is not needed for inquiries that are not 100 % verifiable. A wet signature or document is required IF NOT. Please remove all the illegal hard inquiries
03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	GA 31904	Web
Chex Systems Inc. has a recent claim that XXXX XXXX XXXX has verified that I have an unpaid debt with them. Yet again, they have failed to provide me with a copy of any viable evidence submitted by XXXX XXXXXXXX XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX XXXX bearing my signature, 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. Be aware that I am making a final 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 report. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 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, CFPB and the state of Minnesota Attorney General & # 39 ; s office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non- compliance.
09/15/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	GA 30213	Web
15USC 1681 a ( d ] ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Chexsystems is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Chexsystems and the financial institutions reporting collections/Charge-Offs, and other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original InformationOverview with the Internal Revenue Service against ALL entities involved
06/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	HI XXXXX	Web
Back on XX/XX/XXXX I recieved my report from the company ChexSystems. On this report I discovered many errors, 23 to be exact. Some of the errors were with inaccurate names and addresses they were reporting, some were with the companies they have listed as inquiries, companies that I've never even heard of let alone gave my permission to. And there were also several errors in a section titled " Additional Information '' where they're inaccurately reporting things like liens, property owned and evictions on me that are down right FALSE, they are lies. So on XX/XX/XXXX I wrote them a highly detailed dispute letter going over each and every item that was being inaccurately reported on me. Then on XX/XX/XXXX I received another report from them in reply to my dispute letter and all but 3 things ( company inquireries ) still remain on my report. They claim " XXXX '' told them the information was accurate therefore its remaining on my report. They gave no validation whatso ever on this information they're reporting on me. They are a consumer reporting agency and must act within the laws set forth in the FCRA, but they ARE NOT. I clearly stated to them in my dispute letter that I was requesting full and legal validation on the disputed information as well as exercising my right to the removal of any and all items they can not provide legal validation on to me. They refused to provide me with any validation and also refused to remove this inaccurate information. Nor would they give me the oppertunity to make a statement for record on their report, they've denied me of all my rights, and are breaking the law.
12/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30813	Web
The Fair Credit Reporting act 15 USC 1681 law, mandates that rights of a consumer be respected. The accounts listed below has violated my federally protected consumer rights to privacy and confidentiality in relation to the LAW. 1. Date of Closure : XX/XX/XXXX XXXX # : XXXX 2. Date of Closure : XX/XX/XXXX XXXX # : XXXX 3. Reported XX/XX/XXXX ACCT # : XXXX 4. Reported XX/XX/XXXX XXXX XXXXXXXX XXXX LATE PAYMENTS 5. Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS 6. XXXX XXXX XXXX LATE PAYMENT Hard Inquiries 1. XXXX XXXX XXXX Inquire date XX/XX/XXXX 2. XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX 3. XXXX XXXX XXXX Inquired on XX/XX/XXXX 4. XXXX Inquired on XX/XX/XXXX 5. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX All soft inquiries All home addresses Wrong Names These accounts, home addresses, hard inquiries, and wrong names have violated my privacy rights. 15 U.S.C 1681 section 602 A. States that I have the rights to my privacy. 15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That No consumer reporting agency may make any consumer report containing any of the following items of information, a ) any other adverse item of information b ) other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	GA 31904	Web
Chex Systems Inc. has a recent claim that XXXX XXXX XXXX has verified that I have an unpaid debt with them. Yet again, they have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX XXXX, bearing my signature, 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. Be aware that I am making a final 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 report. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 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, CFPB and the XXXX XXXX XXXX XXXX XXXX & # XXXX ; s office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non- compliance.
11/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60827	Web
ChexSystems is in NONCOMPLIANCE of the Code of Federal Regulations, Regulation V and the Fair Credit Reporting Act, FCRA. I am a victim of identity theft pursuant to 12 CFR 1022.3 ( h ). A fraud has been committed against me by using my personal identifying information. I have previously reached out to XXXX XXXX in regards to this fraudulent account and they told me to reach out to ChexSystems. ChexSystems is now making me a victim of their violations to federal law. I sent ChexSystems my official Federal Trade Commission identity theft report, proof of my identity and proof of my address on XX/XX/XXXX through USPS certified mail. XXXX received my documents on XX/XX/XXXX. According to the FCRA 15 USC 1681c-2, ChexSystems is required to block this fraudulent account no later than 4 business days after they receive my correspondence and they have 5 business days to advise me they decline to block this fraudulent account. It has been 10 business days and I have not received any correspondence from ChexSystems regarding this matter. ChexSystems is in Noncompliance of Federal Law and their Code of Federal Regulations. I, as well as Federal Regulators expect ChexSystems to abide by the instructions and requirements of the Fair Credit Reporting Act and their Code of Federal Regulations. Is ChexSystems above the federal laws they have to abide by? Is ChexSystems above their Regulators who have put the Code of Federal Regulations in place? This identity theft is hendering my progress in life but the federal laws are here to protect me and my rights. However, ChexSystems refuse to follow those laws.
12/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Investigation took more than 30 days	CA 90025	Web
This complaint is regarding ChexSystems " blocking '' access to my report, despite my lift of a Security Freeze earlier in the year. I had a security freeze put in place in XX/XX/2018 because financial institutions kept on pulling my report without my consent. I lifted it temporarily in XXXX-XXXX with no issues. In XX/XX/2018, I tried to lift it again temporarily to apply for a bank account, but the bank ( XXXX XXXX XXXX ) reported a " non-response '' from ChexSystems. I worked with ChexSystems at the time to permanently lift the security freeze. ChexSystems confirmed that the freeze was lifted. Nevertheless, I abandoned getting a deposit account with that bank at that time. Today ( XX/XX/2018 ), I applied for bank accounts at XXXX XXXX XXXX. XXXX XXXX wrote back to me : " Do you have a block on your chex systems reporting? If so you will need to remove the block so we can run the report and then replace it. Currently we are unable to run the report. '' I called ChexSystems security freeze line at ( XXXX ) XXXX. I spoke with XXXX. XXXX said there is a " technical glitch ''. Specifically, he said there was an error related to their internal systems, and the error message says : " We are unable to access the file at the moment. '' The representative XXXX indicated that " sometimes we receive that error. '' The representative sounded like he was in an overseas call center. He did confirm that there is no security freeze currently in place with ChexSystems, since I had it removed in XXXX. Nevertheless, this malfunction is preventing me from getting bank accounts that I want to get.
01/27/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	MI 480XX	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
01/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	FL 32256	Web
I have tried several attempts to get the XXXX XXXX XXXX to allow me my right by law to opt out and they have denied me several times. My first attempt took place on XX/XX/2022. Since then I have made XXXX additional attempts in writing and by phone. They have also denied me my right by law to know and understand how their unfair practices affect my daily life. Many companies use unfair and illegal tactics to deny you your rights by law to obtain bank accounts and credit. I have not been able to obtain credit for anything, not even secured due to their unlawful and discriminatory practices. XXXX states that it is illegal for the credit bureaus to not allow me to opt out of any information reporting to my credit report. They keep denying me that right. Debts and charge offs are certificates of indebtness by law and are forms of income. Income is not supposed to be reported on credit reports. It is unlawful to report transaction history. XXXX XXXX XXXX I have become homeless and not able to obtain a new home for me and my children as a result of consumer information bureaus breaking laws and being unethical. I also had lots of trouble obtaining basic transportation for me and my children due to the consumer information bureaus misrepresenting me on countless occasions to the banks, real estate companies, home financing, vehicle financing, business credit PG, and more. I have been humiliated, depressed, and no place to turn to. This misreporting has ruined my life. I made attempts to fix it in the past as well, but I am only reporting my most recent attempts.
07/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30318	Web
I opened a Bank account with XXXX XXXX XXXX about 2 years ago, shortly after opening this account I was the victim of theft of my XXXX, " phone case wallet '' ( containing my cards ) and my identification cards. I fell ill a few months after the robbery, and was hospitalized when XXXX XXXX XXXX called me about my account. I received the messages after I left the hospital and returned their calls to find out my account was closed. Considering how little I used the account I let it be. I tried to open a XXXX XXXX account last year only to be denied due to a negative report from Chexsystems on my consumer report. I followed all of the directions given to me by both XXXX XXXX XXXX and Chexsystems. I sent in a police report of the theft of my personal items which was the cause fraudulent activity on my account to both XXXX XXXX XXXX by mail and to Chexsystems by Dispute. I have made at least 4 disputes to chexsystems and I sent a XXXX dollar bill in the mail I sent to XXXX XXXX XXXXXXXX with the police report they specifically requested for the removal of my name from Chexsystems. I called the risk department 2 months after mailing in to XXXX and they claimed they never received my report and money. Chexsystems has also failed to send the information to XXXX as promised and have simply denied my disputes. I am a student and this report is destroying my credit and life, which is unfair because I am the victim of fraud. I really need this issue resolved as soon as possible. It has been an active dispute situation for about six months with no progression on any end.
02/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	TX 75701	Web
Complaint regarding ChexSystems, Inc The 'Inquirer being XXXX XXXX XXXX XXXX , of an Inquiry Date of XX/XX/XXXX. The Reported Information from Check Systems in Form Request prepared for XXXX XXXX XXXX # XXXX. The Escalated ' Concerns for Old Information reappearing As ' Reported Information by CheckSytems. I have a 'good repoor ' with the Source of Information As ' XXXX XXXX XXXX . I was Assured by the XXXX XXXX President 17 Months Ago that ' this Issue was Resolved. On XX/XX/2018, I ' informed the XXXX XXXX President that ' yet, again there was Old Information still being Reported through CheckSytems. Additional Information ' on the Check Systems Report claims ' that ' XXXX also, received this Information, but upon checking with XXXX this is not. true on 'all XXXX Reports. Since, CheckSytems refuses to Remove this Information from their Database, And I feel that ' the Information is being used for Identity Theft, I would like to further the Compliant ' with Investigation. In a 'gathering of data ' I ' have provided Documentation that ' the Debt of Merchant Disputes were the Negligence of XXXX XXXX Dispute Department , and the Debt was Resolved. CheckSytems, XXXX XXXX and numerous Merchant disputes offers 'Explanation to Continuing Identity Theft, Domestic Finance and Continuing Domestic XXXX being Investigated by, the Federal Bureau of Investigations as well As ' recent and past Compliant ' submissions to the FTC and the CFPB. Check Systems also, provided the wrong address recognized by the FBI As ' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX.
11/10/2021	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	AK 99502	Web
Last month we went into Alaska XXXX XXXX XXXX for the first time ( of many to come ) to try to open up a checking account. However, ChexSystems kept coming up with a " zero score '' for me. So they were unable to open the account or tell me why I couldn't so I contacted the agency and they told me that they couldn't tell me why I was unable to open an account but that they would send a report in the mail telling me. So weeks pass... I finally get a report in the mail telling me possible reasons why. Nothing concrete. We figured, okay, whatever, we just moved here so maybe after solid employment in this area for a couple of months we'll be able to open the account. So we eventually go back to Alaska XXXX XXXX XXXX two other times. The second time we eventually ask for the branch manager who goes on to help us call ChexSystems and have them disclose why they wouldn't give us a reason why we got the " zero score '' so we couldn't open the account. They responded with multiple " we don't provide that information, the bank does '' So the manager said " we don't even have that information it's from your company so how are we supposed to tell that to the customer '' Round and round we go. ChexSystems has been the worst government agency we have ever had to deal with. What a shitshow. One of the executives of the bank eventually reached out to ChexSystems directly and they wouldn't give any information again, telling them to have us call them again with a customer relation number on our report. Called again, they again said that they don't have or share information.
03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89052	Web	Older American
Hello : The issue I am having with XXXX XXXX XXXXXXXX is not actually a credit reporting but actually, being reported to CHEX SYSTEMS. I have been a XXXX client for 33 years and on XX/XX/2022, there was check fraud on my account. I immediately called XXXX to report and they froze my checking account. I informed them that I had my bil lpays scheduled to come out that evening and the day next and they reassured me that all bil pays would be paid from the " fraud '' account. I went to a banking center to open a new account. Starting the next day, my online banking showed my scheduled bill pays being returned for insufficient funds! I then called and was told that they did not honor these and I had to rebuild all my bill pays from the new account which took me hours. Needless to say I was receiving fees and returned payment notices and had to pay 4 bills double. Since then - now 5mths later, have had to call their fraud dept and online banking to request proof that my payments were paid thru the fraud account or not. I have called every 2 weeks for 5mths and never receive anything. I was REASSURED by XXXX that the frozen fraud account, which was overdrawn '' would NOT BE REPORTED to any agency until I would clear this up. Well, I had to pay the overdraft but they reported me to CHEX SYSTEMS anyway and after dealing with the branch, the departments and escalated to their Market Manager they are REFUSING to remove me from Chex Systems even though the account has been paid back by my own funds. I would like to have XXXX remove me from CHEX SYSTEMS. Thank you.
07/06/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	FL 34120	Web	Older American
Good-afternoon, I am submitting a complaint on Chex-systems because on or about XX/XX/XXXX I requested a Chex-systems report online because of an identity theft issue that I have. I reviewed my report and found a fraudulent account that was established in my name for the sole purpose to apply for a credit card in my name with XXXX XXXX, because if you are not an existing customer they require for you to apply in person. The identity thieves established this account and the account went in to charge off status once they used the credit card and deposits were never made to the account. There were also a list of fraudulent inquiries with several institutions they are as follows XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. The last time that I applied for a checking account was with XXXX XXXX XXXX which they have been my bank since the merger of XXXX. I sent in a fax to Chex-systems with XXXX different police reports that were filed on separate months because of the continued theft against my personal information. I have had a lot of frustrations with this issue as it has been my responsibility in contacting each institution and notifying them of the theft. I am filing this complaint and attaching a copy of what was sent to chex-systems by fax, in hopes of clearing my name from any negative reporting and inquiries that have resulted from the fraud that has been committed against me. My file should be reporting free of any charge offs and no inquiries against my report as i have not applied for a checking account since XX/XX/XXXX.
08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75024	Web
I affirm that the information provided above is accurate and true to the best of my knowledge. I acknowledge that any false statements or omissions may result in legal consequences, including penalties for perjury as defined by the laws of the United States, whether conducted within or outside the country. Furthermore, I confirm my legal authorization to pursue this dispute under federal and state legislation. I know that including significant factual errors or omissions constitutes a federal offense punishable under 18 U.S.C. 1001. Similarly, making false statements is prohibited by 18 USC 1621. It has come to my attention that my Chexsystem report contains accounts in my banking credit report that are unrelated to any accounts I have personally initiated. I assert that someone or an organization has improperly utilized my personal identifying information without my consent to apply for goods, services, or financial resources. I kindly request a senior official from said company to verify, under penalty of perjury, that I have indeed obtained these fraudulent accounts. It is unlawful for these businesses to engage and include unauthorized banking accounts on my banking credit report. These actions have caused significant stress and distress for which there is no justifiable reason. I want to emphasize that I did not authorize these accounts, as they do not belong to me. I implore you to thoroughly investigate this matter and promptly remove these erroneous entries from my Chexsystems report. I implore you to please remove these items immediately.
11/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29715	Web
Chexsystems, Has responded 2 different times and every time they do not address my complaint. I am hoping this time they will addressed the specific complaint and only complaint is that check systems breaks the law and that law is FCRA section 605B. That law specifically talks about the CRA which is what chexsystems is. Once I provide 4 items to chexsystems or any CRA, they must block within 4 business days no later than 4 business days the items that I identify as fraudulent and not mine and a result of identity theft. Chexsystems adds things to the 4 the law names very clearly. The law states verbatim : 1. Adequate proof of my identity 2. A copy of the identity theft report 3. That the consumer identifies the fraudulent items in the file 4. A statement that the consumer did not cause the fraudulent accounts or items to be opened. That is it that is what the law requires nothing more and nothing less. Chexsystems takes it upon themselves over the past several years, To add such things like the identity theft report is too old. Or that the identity theft report must contain the fraudulent accounts in it. Or that the identity theft report must be signed by a law officer. Congress does not have any of these things as a requirement and so check systems breaks the law by requiring them because they do not fulfill the law until after their requirements are met. There are no reasons or excuses chex systems can add that gives them any valid or legal reason to break the law of not blocking with them 4 business days. Stop this from happening.
01/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91792	Web
Someone or some companies have used my social security number to apply for multiple credit lines, loans and bank accounts causing many inquiries on my report which i did not authorize. These inquires do not belong to me ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX va XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX DBA XXXX ; XXXX XXXX XXXX XXXX ND XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XX/XX/XXXX XXXX credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX
08/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90016	Web
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible I the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : is also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, MA XXXX Available Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, PA Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX, XXXX, VA XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX, XXXX, MD XXXX Inquiry XXXX : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX, XXXX, MD XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX Inquiry Date : XX/XX/XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX Inquiry Date : XX/XX/XXXX
05/09/2015	Yes	Credit reporting	Incorrect information on credit report Account status	MN 55449	Web
I banked at XXXX for a long time. I had a stellar rating with them. I made a deposit through the ATM and they said it was empty. After asking them to run the security camera 's and verify I did make the deposit and it was a bank error, I had the check writer cancel the original check, write another one, and within days my account was positive again. I was able to resume using my checking account and the bank employee told me " this happens all the time ''. My account was not closed and my rating was still high with the bank. A couple of days after this, I deposited a {$97000.00} check and they allowed me to draw {$3000.00} off of it right away because of my account history and tenure. The next day my account was XXXX out and the " fraud department was looking into it ''. The next day I was told the check was cleared and verified ( Life insurance check as my mother had passed away ), but they handed me a cashier check for the balance and said " XXXX has decided to no longer do business of any kind with you ''. I have since learned they are reporting me to Chexsystems for " ATM abuse and Fraud ''. I was never charged with any fraud, nor did I commit fraud. They continued to let me use my account after the ATM incident, and my account status was not changed. It was the {$97000.00} check that flagged them and even though the check was good, they are still reporting me as " Fraud '' on XXXX. I would like this item removed as I work in the Finance field and any reporting of fraud will indefinitely disqualify me from employment in the future.
04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	ID 83814	Web
15 U.S. Code 1681b - Permissible purposes of consumer reports ( c ) FURNISHING REPORTS IN CONNECTION WITH CREDIT OR INSURANCE TRANSACTIONS THAT ARE NOT INITIATED BY CONSUMER ( 2 ) LIMITS ON INFORMATION RECEIVED UNDER PARAGRAPH ( 1 ) ( B ) ONLY ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. On XX/XX/2023 ChexSystems violated my rights, and broke the law, according to The Fair Credit Reporting Act, two times. According to the law cited above the first offense and violation came when ChexSystems shared my personal experiences with another entity and without my consent. The second violation of my rights, and the law actually came on two separate days. According to The Fair Credit Reporting Act, ChexSystems failed to disclose my consumer report when I requested it on XX/XX/XXXX. On XX/XX/XXXX I requested my consumer report a second time from ChexSystems. This violates the law stated below. 15 U.S. Code 1681g - Disclosures to consumers ( a ) Information on file ; sources ; report recipients Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request. I XXXX am also attaching a invoice for Actual and Statutory Damages. I will also provide proof that ChexSystems Shared my information without my consent and the damage this shared information caused.
01/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	FL 32208	Web
Chex System furnished a fraudulent account on my consumer report. And it has came to my attention that I was discriminated against because Chex Systems shared my consumer report which involves a fraudulent account on my consumer report. I did not give Chex Systems permission to share my consumer reports with any other organization. Pursuant to 15 usc 1681m ( B ) - If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall, to dispute with a consumer reporting agency the accuracy or completeness of any information in a consumer report furnished by the agency. My rights have been violated. Chex Systems did not verify the debt. I was never notified when this inaccurate information was furnished, and I was never notified during this company 's initial investigation that you were going to report this information. Pursuant to 15 usc 1681 ( a ) ( l ) - This grave error has undermined my confidence in this company 's procedures, and as a result if this I will no longer by extending credit, and if this information is not removed, I no longer want my information in your company 's database. Pursuant to 15 usc 1681 ( a ) ( 2 ) - Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. You all did not insure that this information is correct and you did not exercise your grave responsibility with fairness and impartiality.
03/08/2016	Yes	Credit reporting	Unable to get credit report/credit score Problem getting my free annual report	MA XXXXX	Web
I have made repeated attempts to obtain my consumer report. Chex Systems Inc has failed to respond in an appropriate fashion. After failing to open an account with Simple.com and XXXX XXXX Checking due to my Chex Systems score, I ordered my report online. I contacted them via phone on XXXX XXXX 2016 and was informed that the report would be sent the next day. I called again on XXXX XXXX 2016 and told them that I had n't received the report - the agent said they would send another one later that afternoon. No explanation as to why I had n't received the first report was given. I called once more on XXXX XXXX 2016 and was informed that the report had n't been sent on the afternoon of XXXX XXXX as promised. It turned out that the agent I spoke to on XXXX XXXX had lied to me. However, they claimed to have sent it earlier that day ( XXXX XXXX ). They 've outsourced their customer service to XXXX, and it 's impossible to get in touch with anyone who 's actually involved with the company. I 've insisted on them giving me a tracking number for the report, as evidence that they 're actually sending it. I have a very high credit score and my banking record is very clean. I 'm not, and never have, been in debt. I can only assume that they 're reluctant to send me my report because there they are unable to validate the false claims. This is clearly in violation of the Fair Credit Reporting Act and I will pursue this in the courts, if this is not cleared up very soon. Please remove my banking record from Chex Systems with immediate effect.
10/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91356	Web
it happened that i noticed some fraudulent activity on my XXXX XXXX XXXX account. after i disputed the charges through XXXX XXXX XXXX, they advised me to open a new account so they transfer my funds to my new account and close the old one. i agreed and they did that fund transferring from the old to the new account. i have called XXXX XXXX XXXXXXXX XXXX XXXX XXXX time to close the old one so i do not receive notification email regarding the old account. theses repeated requests all were ignored. after around 6-7 months later i received a call from XXXX XXXX XXXX informing me that they will close my account with them due to a ChexSystem report from XXXX XXXX XXXXXXXX STATING I HAD account Abuse. I was shocked because i have been a very excellent customer to XXXX XXXXXXXX XXXX since XXXX after another million calls to this bank, finally an agent explained to me that the bank itself has committed a mistake by overcompensating me an amount arround XXXX on one of my DISPUTE claims. then for correcting this problem XXXX XXXX XXXX decided to correct their mistake by reporting me to ChexSystem as an account Abuser, instead of informing ME that i was overcompensated and should return that money to XXXX XXXX XXXX. Very interesting!! as soon as i found out about that charge i paid that balance right away and XXXX XXXX XXXX promised to remove that report from my ChexSystem. but they only updated the balance to zero. and now I AM UNABLE TO OPEN A NEW ACCOUNT WITH ANY OTHER BANK and that is because XXXX XXXX XXXX agents are IRRESPONSIBLE.
07/09/2020	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	MA 021XX	Web
Chexsystems wrongfully misreported one of my accounts. Their system stated that I had closed an account ending XXXX, owing {$460.00} to XXXX on XXXX of 2017. When I check with the bank they said that I did not owe anything and that they would write me a letter stating so. I am still a customer of XXXX, and I was surprised that this would even happen, especially since I have been with this bank for over 15 years and that this so called debt which is inaccurate happened in 2017. That year I lost my bank card associated with XXXX, so we closed the account to prevent misuse ; When I called the Chexsystems a robot gave me an webpage to go to. This company provided no live person to speak with about this serious error on their part. I submitted my complaint via web, but got no confirmation number or anything to prove that I demanded that they fix the error on their reporting. The government should require that Such financial behemoths provide a live person to deal with such matters that so pervasively affect the lives of so many. When you tried to reach them, it is like trying to communicate with a mountain. You dont know if it even hear syou. Yet it can ignore you and drastically affect you negatively. I want Chexsystems to get back to me promptly and fix this wrong information on my record. Until they fix it I cant open another account. Why did this take so long for me to find out about this? I dont know. Who put this horrible company in charge anyway? The consumer alone can not fight this corporate dictate. Please help.
06/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 32246	Web
XX/XX/XXXX I pulled my credit report and there was a collection on my account for {$20.00} by Certegy Check services. I contacted their office in XX/XX/XXXX via the telephone, XX/XX/XXXX by mail, XX/XX/XXXX by phone, XX/XX/XXXX by phone and XX/XX/XXXX by telephone to no avail. The identified the debt as XXXX XXXX XX/XX/XXXX. I do not have any responsibility for the debt they are trying to collect. I have contacted the XXXX and was told I have {$0.00} outstanding items with them and confirmed with my bank that there were {$0.00} overdraft/NSF charges in XXXX. I attached bank statements showing the amount charged cleared the bank. I contacted their office and spoke to a manager after I was hung up on XXXX times. She claimed I had XXXX outstanding claims with their office. I requested in writing on XXXX XXXX : This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. This is including proof of the initial debt, my authorization to collect the initial debt, proof of your license into collect in the state of XXXX and XXXX. I received a response to my letter dated XX/XX/XXXX saying they are unable to provide a copy of the check because it was an electronic. They also indicated that it was dishonored by my banking institution which is not the case. I provided my bank statements and match the amounts in question.
09/16/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	GA 30030	Web
15USC 1681 a ( d ] ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet Chexsytems is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Chexsytems and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
01/30/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10031	Web
The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ]. It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	VA 23228	Web	Older American
A " bad check '' legal debt collection efforts - No phone calls and only one letter from collection agency indicating the proper debt. After 33 days another threatening letter directly from XXXX XXXX 's Attorney 's Check Enforcement Program threatening criminal charges and forced payment of excessive penalties and charges for a " Financial Training '' scam class - all to avoid prosecution for a single late paid " bad check '' debt. The " bad check debt '' of {$36.00} plus a penalty of {$50.00} was paid directly to the collection company in full settlement of the debt precisely 6 days from the date of the notice from the XXXX 's Attorney 's Office. No other liability exists other then to the " XXXX XXXX '' XXXX leveled against me by this collection agency. I find this entire matter reprehensible and the collection agencies methods to be totally out of bounds with regulatory authority. Further, I feel that without proper notice ( only XXXX correspondence letters received ) and disclosure - They have stepped out line and the agency is improperly using a state 's attorney 's office to both harass and penalize a " debtor '' over a collected and paid debt/mistake. I can supply all correspondence and copies of payments made should you require that detail. Lastly I think this collection agency is using the State 's Attorney 's office improperly and very likely illegally to collect a debt not within the authority of XXXX XXXX. In my opinion XXXX XXXX office is being played like a sucker and a chump by this collection agency.
04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34667	Web	Servicemember
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX ( {$47.00} ), XXXXXXXX XXXX XXXX XXXX # XXXX ( {$390.00} ), XXXX XXXX XXXX XXXX XXXX XXXX ( {$2700.00} ), XXXX XXXX XXXX XXXX ( {$910.00} ), XXXX XXXX XXXX XXXX ( {$560.00} ), incorrect name variations like : XXXX XXXX ( this is incorrect ) XXXX different addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. Also phone numbers that do not belong to me : ( XXXX ) XXXX. Also Email addresses that do not belong to me : XXXX. All these accounts and wrong personal information being reported on CHEXSYSTEMS have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
04/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 086XX	Web
On XXXX I had called to a representative about the reasons for the overdrafts fees that had occurred on my checking account. The representative agreed that the charges should be credited to my account. She went through the charges that were on my account and credited the full amount in which she said she was to credit my account. I thanked her for her help and told her I didn't like the way XXXX charges their consumers to keep them in debt and that I would like to close my account. On XX/XX/XXXX I receieved a statement to my email from XXXX showing the credits I had spoke with the representative about and it also included my balance as of XX/XX/XXXX as XXXX ( the date I also closed my account ) I spoke to a rep in the recovery department at XXXX XXXX XXXXwho stated the account noted now say the account has been charged off because I had a transaction added to my account XX/XX/XXXX from the bank for a charge off of XXXX in which I have a statement and call where this was credited along with other credits to my account on XX/XX/XXXX and after account was closed a balance pops up XX/XX/XXXX I have received no notice or any information about a balance especially when I have received my last statement with balance at XXXX. I did not close my account until I had a XXXX balance. Its is being reported that I have an unpaid amount of XXXX which was included in the credits of my previous call to XXXX and that the account was charged off in which the account was still open and at a XXXX balance at time of voluntary closure
02/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	NC 278XX	Web
I have been denied a checking account by XXXX separate banks based on not being able to pass a Chex System inquiry. The banks all state that they have no control and can not override policy of opening an account without being able to pass Chex systems. They all three referred me to Chex System for resolution. I can not open an account solely based on Chex Systems. I had provided to the bank all other verification documents to the bank per their policy. Drivers license, SS card, proof of residency. I called Chex Systems and was directed to obtain first the online report. This report was clear, showing no information to report. There was nothing on it derogatory. Chex system told me that they dont make the decision the bank does, the bank says they cant open the account because of reporting theyve received from Chex Systems . I showed the clear report to each bank, each of them saying it was out of their control as long as Chex Systems continued to report me. I am offered no way forward, no way to correct or remedy it. I am just stuck in limbo and no one cares at all at either the bank or Chex Systems. How am I supposed to move forward and obtain a checking account. Chex Systems offered me an absurd explanation that because the banks had inquired to Chex Systems that their own inquiry perhaps disqualified me from an account within that same bank. Chex systems refuses to take ownership of the harm they are causing me by preventing me from opening a checking account or offering me any way to resolve the matter.
10/12/2017	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	CA 93727	Web
previous filed complaint with CFPB # XXXX on XXXX XXXX, XXXX and referred me to FDIC and now FDIC referred me back to CFPB because the problem is XXXX which need to correct the data report. At first when I tried to open a bank account with other bank and was declined due to the report from my previous XXXX XXXX XXXX Bank marked it paid which is not indicated what type of paid that what I was informed from the bank declined me. Now the invested were completed from FDIC and revealed that the XXXX XXXX XXXX bank did n't report any negative report after the closing filed from first FDIC XXXX XXXX. No. : XXXX ) but when I tried to open bank account with other bank and still indicated paid which no one know what type of paid so I contacted to FDIC again and final investigate indicated from the XXXX XXXX XXXX Bank XXXX XXXX XXXX did n't pay for any charge off and indicate the paid was XXXX that mean XXXX did n't pay for charge off. and since XXXX still have the negative report on my credit report so FDIC told me to file the complete to CFPB because your company is the XXXX dealing with XXXX. and also about bank fraud. I filed the police report about bank fraud for the XXXX XXXX bank after I able to get the phone number from my XXXX and found out about the report about XXXX XXXX bank fraud and scam which I enclosed all the attached here with. XXXX have to clear my report on my report data because it causes me damage to not able to open an account since i am the victim made by XXXX XXXX bank. see from my search attached.
11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	PA 19151	Web
Hello my Complaint is the Bank involved XXXX XXXX mainly i Lost my Job a long while ago when i had the account and i Stupidly overdrafted some and ended up owing XXXX XXXX XXXX XXXX because my account was overdrafted for a long time and i had no income the amount was acctually higher until my state income tax return came and my amount owed was reduced for XXXX XXXX and my Problem is me owing them XXXX XXXX has my ability to Open A bank with Some/many/or All banks is now either hard or next to impossible thanks to me owing XXXX XXXX XXXX XXXX XXXX XXXX and possibly my XXXX account is mixed up in it as well closing out owing them XXXX dollars because i was using Privacy the virtual card service and forgot privacy charges take a long time to go through and what i probably did with XXXX is spend the money before paying XXXX but i dont know if its on the same report so i recently applied to some banks and was rejected by both XXXX XXXX XXXX and XXXX XXXX and this XXXX XXXX a Small amount mind you which im happy to pay is ruining my chances of opening any account and prepaid/debit card accounts charge annoying fees on anything id rather have a bank and im pretty sure if i apply to most banks i will get denied i would totally understand if i Owed thousands of dollars but its XXXX XXXX if XXXX is actually in the report i owe probably XXXX together this is crazy and i lost the letter ally gave me stating this but when i applied to XXXX XXXX for an account they sent me this letter saying my XXXX XXXX XXXX is high risk
01/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76105	Web
I am submitting a complaint against Chex Systems Inc., regarding an erroneous report being made by XXXX XXXX XXXX XXXX and an account they are claiming I opened, which I did NOT ooen. For in excess of three months I have requested verification of the debt, specific documents related to the date, the time and date the account was opened, the identifying documents used to open the account, proof that I authorized the account to be opened and any and all contracts or agreements regarding or related to the account. Despite a plethora of requests under Section 609, 611 FCRA, XXXX XXXX XXXX XXXX continues to verify the information as accurate without completing or doing any sort of reasonable investigation and or not complying with Section 609, 611 FCRA. Chex Systems Inc., as furnisher of the derogatory information is required to ensure certain aspects of The Fair Credit Reporting Act are followed ; to date none of the requirements of The Fair Credit Reporting Act have been followed by the furnisher, Chex Systems Inc., as I have not received ONE piece of information from XXXX XXXX XXXX XXXX regarding this disputed item. Chex Systems Inc., is in violation of The Fair Credit Reporting Act by continuing to furnish information that is disputed and not requiring XXXX XXXX XXXX XXXX to comply with The Fair Credit Reporting Act Section 609, 611. I now submit a complaint requesting adherence to the furnisher, Chex Systems Inc., under Section 623 FCRA and request that this be followed pursuant to The Fair Credit Reporting Act.
08/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	FL 34787	Web
On XX/XX/XXXX ChexSystems mailed me my consumer report which details a Suspected Fraud Activity ; Any Amounts Owed Have Been Paid Report on my account by XXXX XXXX XXXX. I believe that this report should not appear on my consumer report and lead to adverse effects on my future opening of bank accounts at other financial institutions because the fraudulent activity was reported to and dealt with XXXX XXXX XXXX in a timely manner. When this fraud activity occurred, I spoke with a XXXX XXXX XXXX XXXXraud specialist, explained my case in order to put them into full light of what had occurred and why I felt my account wasnt safe. Along the lines of this fraudulent activity I had noticed similar activity in another bank of account of mine which led me to a conclusion that identity theft had become the leading factor. Anyways, XXXX XX/XX/XXXX XXXX XXXX XXXX mailed me a letter of their decision to close my checking account in which the fraudulent activity had occurred. They even mailed me a check with the balance that remained in my account after they investigated and dealt fraudulent deposit. At this point I thought I was fine, that the risk of identity theft was mitigated and the account was closed. It was until recently that I tried opening another checking account and found out that the bank closed the account after looking at my consumer report. Why ChexSystems, should this suspected fraudulent activity report, that appears as Settled in Full, be appearing on my consumer report at this point in time?
03/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WA XXXXX	Web
I recently asked XXXX Consumer ID : XXXX .for my consumer report because i applied for 2 credit unions and was denied due to the contents of my report. I know i had nothing negative on my report so I was surprised when those Credit Unions turned me down for membership no thanks to a credit lookup they did on my XXXX report. Apparently there are 2 inquiries that are past 2years! Credit repositories are only supposed to hold inquiries for 2years. Credit inquiries are required by law to remain on your credit reports for 2 years. 1 ) Inquirer : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 2 ) Inquirer : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX. The list of following Inquiries are ones I dont recognize at all! and I didnt authorize to pull my XXXX report. Per FCRA 604 To my knowledge, I have not signed any documents authorizing these organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.. Either Validate this data with them which i assure you they WONT BE ABLE TO! or delete the following as soon as possible as it has hurt my ability to obtain credit and goods both which are punishable by federal law. 1 ) UNKOWN Inquirer : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 2 ) 1 ) UNKOWN Inquirer : XXXX XXXX Inquiry Date : XX/XX/XXXX 3 ) 1 ) UNKOWN Inquirer : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 4 ) UNKOWN Inquirer : XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
01/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MN 56007	Web
I noticed that XXXX, XXXX and Chex Systems Inc were reporting incorrect information on my consumer reports. I then investigated the accounts to see when they were opened and how they were used. I came to the conclusion that my information was used fraudulently to open and misuse accounts that I had no knowledge of. I contacted the entity who allowed the account or credit line to be opened and informed them of the fraudulent activity. I then wrote three letters to each furnishing company that was reporting the information ( XXXX, XXXX and Chex Systems ). I wrote a dispute on XX/XX/XXXX, requesting proof of how these accounts were opened and asking that all the information be changed to show accurate information. I then wrote another letter on XX/XX/XXXX, because I had heard no correspondence in regards to my concern of the inaccurate information shown on my consumer reports and asked that they be investigated and deleted if not deemed accurate or correct. I proceeded to call the companies on XX/XX/XXXX, to make a over the phone dispute of the inaccurate and fraudulent activity that had been placed on my report and still received any response. After a week on XX/XX/XXXX, I sent a cease and desist letter to the three companies mentioned to permanently erase the inaccurate and fraudulent information. Under the Fair Credit Act, these companies have not investigated and provided proof of accurate or correct information on my consumer reports which is stopping me to handle legal and personal business.
08/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11204	Web
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
06/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MD 21216	Web
I have tried to open up XXXX accounts at XXXX different banks.I wa s denied by chex systems.I do n't have any delinquent bank account reporting to the chex systems.They ar e discriminating against my personal life.I should be able to open as many bank account as I want.Along as I am in Good standing with those banks and is responsible financially to manage those accounts.I will be filing a XXXX XXXX dollar federal class action lawsuit against chex systems for reporting inaccurate incorrect and inaduaqute items to those who have an positive banking history.This is also causing me emotional distress and I am sure it is causing others emotion distress too.Chex systems incorrect inquiries on my credit report.Why am I and others being penalized for dum stuff.If no one is delinquent or have an bad credit history banks.Then that should n't matter.What should matter is that person has a positive banking history. Here the key factors for on the report saying I could n't open an account. -Time since non DDA -Inquiries Activity-I should have a right to open as many accounts as I want. -Non Evidence of Asset Ownership.Why are they focus on my asset.This is a form of discrimination. -Non DDA Inquiries or Retail Item History. -DDA History. Why is this stopping me from opening up an account ... This is does n't say I am of risk to any banks.I am requesting a full investigation.I am requesting these item s on my report be removed asap.They are not an reflection of my life and business.
07/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30327	Web
On XX/XX/XXXX, I tried to apply for an account with XXXX XXXX and was denied because of Chex systems. I reached out to Chex systems in regards to the matter. I was sent a letter stating that I had an account with XXXX XXXX XXXX in the past and I owe {$350.00}. I never had an account with them but my ex husband did. He put me on the account in case if anything ever happened to him that I would be able to access anything I needed of his. I never put any money in there or did anything with the account. I was told in XXXX during the divorce that my name was removed from all his accounts. Fast forward to XXXX, I applied for this new account and now I can not open an account with them because he left a balance on that account and I had no idea. Because my name was on it when it closed they are trying to tell me I am co responsible. I contacted XXXX XXXX XXXX on XX/XX/XXXX And was told I am responsible for something that I had no idea about and would not have known because evidently in XXXX they put this on me and if I didn't try for the XXXX account I would have never known. I feel as if I am not responsible for someone elses debt because I was told one thing and the case was something else. I would like for them to remove this from my account because I am not the primary account holder and I have never even used this bank or step foot in there except under the false pretenses that it was for if anything were to happen to someone I would be able to take care of their affairs with no issues.
08/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	TN 373XX	Web	Servicemember
wrongfuly evicted undermultiple TN codes for " failing to maintain ''. summoned twice. records are showing XXXX cases, all are showing open-unpaid. The law says the landlord isnt due money. The accounts were PIF. The lawyer refuses to state the client was paid in person XXXXmos ago. The company and corporate offices refuse to answer summons by XXXX co ( XXXX ) counrthouse. The courthouse refuses to answer appeals and casde information and in fact plays XXXX.I have an active supoenae, unanswered by the courts. This has prevented me from gaining lawfully maintained units repeatedly, as has unlawful unrequested file freezes and blocks I previously didnt ask for. My mail was repeatedly stolen and not forwarded. I have filed fraud charges XXXX XXXX pd, XXXX pd, and IDT.gov. companies do not care and report the slander anyways. same goes for my other credit accounts. information provided from companies is not accurate. I was never late and I hired XXXX XXXX on retainer for XXXX, which nobody wants to abide by. companies were told to notify XXXX. XXXX was in charge at said time for XXXX months last year.If I have to, ill hire another firm and pay cash for the case to enforce compliance, but my credit will reflect accurately the true nature of my credit- not what people are claiming. multiple companies are refusing to comply w fcra law. This is a felony act. I have filed multiple demands for correction over the past 12 mos to no avail.I have hired XXXX XXXX and other organizations.
09/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	IL 61704	Web
In XXXX of XXXX I moved out of the state of Michigan. I was unaware that anything that my bank account at XXXX XXXX went negative. I had stopped using it when i moved. in XXXX i attempted to open a joint account with my teenage son at XXXX XXXX XXXX and was declined because a chexsystem report. I contacted chexsystem and discovered it was from XXXX XXXX. I contacted XXXX XXXX branch in which i had the account. They said the account was charged off, and i could not pay it off ( {$39.00} and some change ) I asked how i could have this removed, the representative at the time told me to dispute it with chexsystem. I did. The dispute showed i was responsible, which i never actually disagreed with. I just wanted to pay it. I finally contacted a corporate office, who gave me the ODP department. They told me to pay the balance, and it would be removed. they also told me to include a letter stating i wanted a copy of the letter of it being paid for my records. When i recieved that letter XXXX/XXXX/XXXX It was titled Paid in full letter. and stated that i had paid my balance and closed my account with XXXX XXXX, however, it would remain on chex system. This is unfair. I paid my balance. This remark should be removed. It is keeping me from opening accounts for my children and improving my financial future. I paid my debt. They need to remove the remark from my record, this could even keep me from advancing in my job as i work for XXXX XXXX XXXX. This is all under my maiden name of XXXX XXXX.
05/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90035	Web
My bank account was closed on XX/XX/2021 by the bank. They reported it to ChexSystems that there is an outstanding balance of {$440.00}. And reported it as Account Abuse THIS IS INCORRECT!! << My last 2 bank statements at time of closure indicate no balance. ( {$0.00} balance owed ) >> There has been no documentation that has been presented that shows a balance of - {$440.00}. ** I DEMAND UNDER FEDERAL LAW THAT CHEXSYSTEMS PROVIDE ME DOCUMENTATION FROM XX/XX/ 2021 -XXXX 2021 ( SAME MONTH OF ACCOUNT CLOSURE ) THAT VERIFIES A BALANCE OF - {$440.00} IS OWED ( THE REPORTED CLAIM TO CHEXSYSTEMS XXXX PLEASE PROVIDE THE FOLLOWING : 1 ). My Bank Account Statement from XXXX 2021 to XX/XX/XXXX 2021 that shows and confirms the balance - {$440.00} that was reported to chexSystem. WITHOUT THIS BANK ACCOUNT STATEMENT FROM XXXX 2021- XX/XX/2021 SHOWING THE BALANCE OF - {$440.00} THE AMOUNT THAT WAS REPORTED TO CHEXSYSTEMS THEN THIS CLAIM OF - {$440.00} CAN NOT BE VERIFIED AND NEEDS TO BE REMOVED FROM CHEXSYSTEMS XXXX FEDERAL LAW INDICATES THAT THE INFORMATION THAT HAS BEEN REPORTED TO CHEXSYSTEMS MUST BE VERIFIED. ALL TRANSACTIONS AND BALANCES ARE DOCUMENTED ON THE CUSTOMERS BANK ACCOUNT STATEMENT THEY RECEIVE EVERY MONTH. THE ACCOUNT WAS CLOSED XX/XX/2021 SO TO VERIFY ANY BALANCE OWED WE NEED TO VERIFY THE BANK STATEMENT FOR THIS MONTH. IF CHEXSYSTEMS CAN NOT VERIFY THIS BY BANK STATEMENT FOR THIS MONTH ( XXXX 2021 - XXXX 2021 ) THEN THIS CLAIM IS UNVERIFIED AND NEEDS TO BE REMOVED.
02/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL XXXXX	Web
HI XXXX XXXX YOU CRIMINAL MISCREANT, your letter you sent to me has no wet ink signature, its not binding, your words are fraud and presumptions, you never said what you did with the negotiable instrument i deposited into XXXX, isnt it true XXXX attached a cusip number with medallion seal and sold it as a security?, isnt it true that your insurance policy covers all negative balances after 90 days? isnt it true XXXX has been paid more than twice the amount of XXXX?, so where is the debt? where is my ''bill ''? you have my billing address and i never received a ''bill '', do you know the definition of a bill and a statement? how would you like to explain all this fraud in front of a jury, if the check was fraudulent WHY THE XXXX DID XXXX SELL IT?, MY X-GIRLFRIEND WORKED IN A BANK FOR 27 YEARS, YOU THINK I DONT KNOW WHATS GOING ON? AND I DONT HAVE ANY CONTRACT WITH CHEXSYSTEMS THEY DONT MEAN XXXX TO ME BUT YOU XXXX CRIMINAL ARE IN SOME HOT WATER NOW, I never received any varified complaint of any ''wrongdoing ' sworn to before a notary either, furthermore you say federal law allows banks to substitute check,, so show me the citation you are speaking about, SHOW IT TO ME WITH CLARITY BECAUSE YOUR YELLOW HIGHLIGHT IN THE LITTLE BOOK DOESNT MEAN A XXXX XXXX THING, ITS TOTALLY VAGUE AND NOT VALID, SO SHOW ME THE LAW, SO WHATS THE BIG SECRET, XXXX AND ALL THE BANKS SELLING PEOPLE 'S SIGNATURES AS SECURITIES RIGHT,? WHERES MY ORIGINAL CONTRACT WITH SIGNATURE, YOU SOLD THAT TOO RIGHT?
03/09/2018	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	GA 30047	Web
Received a call from " XXXX XXXX '' licensed process server of " XXXX ''. According to a quick internet search, XXXX XXXX impersonates himself as a " licensed process server '' of XXXX XXXX, AZ and XXXX XXXX, GA while having offices located in " New York ''. XXXX XXXX refused to send a debt validation letter via US Mail and instead tried to send one via e-mail, which was simply typed up in Microsoft Word. XXXX XXXX claimed that I would be sued immediately if I did not comply and could face arrest and garnishment of wages for a {$190.00} debt that was from three bad checks, which I did not personally write. I explained to XXXX XXXX that I was not the person who wrote the checks and he subsequently told me that Certegy and their clients would not lose the money on this debt, and whether I wrote them or not, since I was the account owner, I would need to pay for the debt or face a lawsuit and that I should seek legal avenues to get reimbursement for the individual who defrauded me - although that individual is a drug addict and is transient. XXXX XXXX would not disclose his company address. He called me in XXXX telling me that I would be served the next day if I did not comply and no one ever showed up to my address. Two months later on XX/XX/XXXX I received another call telling me that I would be served again unless I paid the debt and that he could not work with me and would provide no information to me. Apparently XXXX XXXX of XXXX also goes by the name XXXX XXXX
07/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30141	Web	Servicemember
I have filed with check systems to remove bank accounts off my report I sent them a FTC IDENTITY THEFT report, they said they will not use it, I explained to them that it works the same way as a police report I have reported to check systems that these accounts had closed due to the fraudulent activity by the banks, ( XXXX XXXX XXXX ) I called and had this account closed due the amount that was charged I disputed because it did not belong to me at all and ( XXXX XXXX XXXX XXXX ) an amount was charged to XXXX account for XXXX dollars that I did not authorize and when I contacted this company sorry trash company it was out of business I have repeatedly ask XXXX XXXX to remove this account from my file at check systems because of XXXX XXXX credit union (, XXXX XXXX XXXX ) I had contacted this bank I can't talk to any. manager things were changed on my account by XXXX XXXX XXXX, this c company is. not very honest with customers my account was charged an amount they couldnt explain I ask them to close my account, these banks have the same illegal process the same as XXXX which I have sued twice for fraudulent charges and transactions, please investigate checksystems, I'm tired of being called liar, and that FTC identity report should work as the same as a police report they have failed to help and these people are very unprofessional, so please help I wanted to report this activity any check systems, because there are also fraudulent inquiries on my report I want removed
02/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL XXXXX	Web
HI XXXX XXXX YOU XXXX XXXX, your letter you sent to me has no wet ink signature, its not binding, your words are fraud and presumptions, you never said what you did with the negotiable instrument i deposited into XXXX, isnt it true XXXX attached a cusip number with medallion seal and sold it as a security?, isnt it true that your insurance policy covers all negative balances after 90 days? isnt it true XXXX has been paid more than twice the amount of XXXX?, so where is the debt? where is my ''bill ''? you have my billing address and i never received a ''bill '', do you know the definition of a bill and a statement? how would you like to explain all this fraud in front of a jury, if the check was fraudulent WHY THE XXXX DID XXXX SELL IT?, MY X-GIRLFRIEND WORKED IN A BANK FOR 27 YEARS, YOU THINK I DONT KNOW WHATS GOING ON? AND I DONT HAVE ANY CONTRACT WITH CHEXSYSTEMS THEY DONT MEAN XXXX TO ME BUT YOU XXXX CRIMINAL ARE IN SOME HOT WATER NOW, I never received any varified complaint of any ''wrongdoing ' sworn to before a notary either, furthermore you say federal law allows banks to substitute check,, so show me the citation you are speaking about, SHOW IT TO ME WITH CLARITY BECAUSE YOUR YELLOW HIGHLIGHT IN THE LITTLE BOOK DOESNT MEAN A XXXX XXXX THING, ITS TOTALLY VAGUE AND NOT VALID, SO SHOW ME THE LAW, SO WHATS THE BIG SECRET, XXXX AND ALL THE BANKS SELLING PEOPLE 'S SIGNATURES AS SECURITIES RIGHT,? WHERES MY ORIGINAL CONTRACT WITH SIGNATURE, YOU SOLD THAT TOO RIGHT?
04/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33544	Web
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, instance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15. U.S. Code 1681 c-2 ( c ( 1 ) C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. 4 days you have.
10/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 10022	Web	Older American
Being retired, I depend on interest I earn on balances I keep with online banks. I recently applied to open two online banking accounts, both paying 2.25 % p.a. interest. The first one, XXXX, turned me down and mailed me a 'Notice of Action Taken ' which I am attaching to this complaint. The Notice mentions that the Bank obtained my credit score from ChexSystems , Inc. and that my score is XXXX. My credit score having never been under 800 and currently hovering at XXXX has never been an issue, I was dumbfounded. I have several other online bank accounts. I have no debts or mortgages. Trying to contact ChexSystems proved impossible, but I was able to file a request for information after having indicated I had recently been refused. The letter that I have received from ChexSystems shows no reported information mishandled. I have now also been turned down for an online banking account by XXXX. I feel powerless as ChexSystems has ruined my chances to open these two accounts. It is fair to assume this will happen next time I try to open a bank account. Since there is no way to way to speak to a human at ChexSystem, the feeling of powerlessness is even stronger. I appeal to CFPB to contact ChexSystems and have it send corrected information to both banks mentioned so that my applications to open accounts may be approved. Thank you in advance. I am attaching documents in support of everything I have mentioned above. Kind regards, XXXX XXXX XXXX XXXX ( XXXX ) XXXX
02/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL XXXXX	Web
XXXX AND XXXX XXXX COMMITS FRAUD, he claims i owe something when the original instrument is quite valuable i see they make up excuses to keep this alleged ''bad check '' that they made profits from and keep secrets, if the check was bad so give it back, but rather the contrary i did them a favor and made them a securities instrument they can sell because thats what they do to everybody. Unless you can provide a verified complaint which lawfully consists of a sworn statement under penalty of perjury notarized with your wet ink signature also provide me with proof of debt which would be a bill other rather than a statement all this XXXX you're talking about is nothing but presumptions and word semantics and I'm not falling for it because you're guilty and I'm going to prove it furthermore you have not cited the particular federal law you speak about which federal law? Quote me the citation that you highlighted in your little book that you sent to me show me the actual federal law that you speak of. A bill would show something that's old I have never received a bill. The check that you have sold as a Securities instrument with my wet ink signature I have located it and when I fly over on the airplane to retrieve that instrument all XXXX XXXX is going to break loose I'm going to expose the biggest fraud of the banksters you don't XXXX sell my XXXX signature and make profit off of it and then tell me that I owe you something let me tell you something XXXX XXXX
01/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60615	Web
This letter is in response to your recent claim that ( XXXXXX/XX/XXXX XXXX, XX/XX/XXXX ILLINOIS, XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX XXXX IL ] has XXXX XXXX XXXX XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by ( XXXX,XX/XX/XXXXXXXX, XX/XX/XXXXILLINOIS, XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX- XXXX, XXXX XXXX IL ]. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX,XX/XX/XXXXXXXX XXXX ILLINOIS, XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX - XXXX, XXXX XXXX IL ] regarding this alleged account. I am formally requesting a copy of any documents provided by ( XXXX,XX/XX/XXXXXXXX XXXX ILLINOIS, XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXX IL ], bearing my signature, 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. Be aware that I am making a final 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.
01/06/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	NJ 08012	Web
Hello, I went into XXXX XXXX XXXX to pen an account, and I was caught off guard when the banker asked me if I was in the military.I responded no, because I have never been in the military nor do I ever plan to be. Two days later I went to XXXX Bank and attempted to open an account and I was advised that there is a theft alert on my social security number.I immediately went into to panic mode as I am moving out of the state XXXX in five months and do not need this stress. I immediately thought my identity had been stolen, I then went home and called XXXX. XXXX stated that they have no report of identity theft. I then called XXXX who explained that there if an XXXX XXXX freez on my social security number.The representative then apologized because clearly I am not on XXXX XXXX and the addresses did not match up with whomever actually needs the freeze, and gave me a resolution to solve this issue with experian only. XXXX XXXX XXXX stated this XXXX XXXX report came from CHEX SYSTEMS. I am requesting this be removed as I am and have never been in the military. I think this is huge mistake for the person who needs there info protected because that means his info is not frozen as he requested and its a huge inconvenience towards myself.If necessary I can provide verification of that. Chex systems also has a prior address incorrect, it has been documented as XXXX XXXX XXXX XXXX, XXXX Nj XXXX when the correct address is XXXX XXXX XXXX XXXX XXXX, XXXX Nj XXXX.
06/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89502	Web
In XX/XX/2023 I notified consumer credit reporting agency Chexsystems that there was a new negative item added improperly to my consumer Chexsystems report. This was negative item added by XXXXXXXX XXXX on XX/XX/2023. I sent a letter in writing mailed to Chexsystems in which I disputed the new negative item as a result of unauthorized charges being done on my XXXX XXXX checking account including an identity theft victim assistance notice I was sent my XXXXXXXX XXXX and forwarded that document to Chexysystems in writing via US Postal Mail in XX/XX/2023. In XX/XX/2023, Chexsystems responded by stating they verified the item belonged to me and it would remain in my Chexsystems report for 5 years. I responded again explaining this item was placed as a result of identity theft and unauthorized charges and they should remove the negative item. I also asked for proof of their investigation.. whether that be proof these charges and negative item was authorized. I stated if they failed to provide signatures and documentation showing this was not identity theft they are required to delete the item from my consumer Chexsystems report. Chexysystems is continuing to violate my rights under the Fair Credit Reporting Act ( FCRA ) by not providing documentation or proof that shows this item is not identity theft. Chexsystems is also violating my rights under the FCRA by not sending me the proper proof that meets the guidelines in the FCRA to me in writing.
09/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92054	Web
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I am attaching proof of my certified and notarized letter sent to CHEXSYSTEMS informing them of my rights and the federal laws they are violating. A notarized letter is a legal document and I intend to take further legal action if my issue is not resolved. I also attached a copy of the law so there is no confusion to the Consumer Reporting Agency of the laws they are violating. As a consumer, CHEXSYSTEMS may only furnish a report with my written consent. I did not give permission to CHEXSYSTEMS and no consent is IDENTITY THEFT. Under 15 U.S 1681b- Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning, the account I referenced in my notarized letter must be deleted immediately as they are currently violating my federally protected rights as a consumer. I have repeatedly tried to resolve this issue and have contacted CHEXSYSTEMS to have this account removed, however they have continued to violate my rights as a consumer, inflict XXXX XXXX ; while ruining my reputation, and character. If this account is not deleted I will send CHEXSYSTEMS an invoice of their violations and expect to receive monetary compensation as well.
06/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 23225	Web
I have reached out to chexsystems more than 60 days ago to resolve this matter and they did not. Consumer report listed as exhibit a and exhibit b along with complaint # # XXXX shows that chexsystems removed inaccurate and false information per complaint # XXXX and exhibit a. and then in that same complaint # XXXX state that the information is in fact verified and accurate which they show to not be true per removal of information. They are continuing to report false and misleading information which is a direct violation of my rights of the FDPCA. per 15 usc 1681 ( a ) accuracy and fairness ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. they are in fact ruining my reputation with this false inaccurate and misleading information. also per 15 usc 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. clearly my consumer report is showing inaccurate information and i am requesting an immediate removal of the incorrect account /information. per my consumer rights everything must be XXXX percent accurate and my consumer report is not showing XXXX percent accurate.
10/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77584	Web
Hi, I have tried to resolve this problem with Chex systems for a while now, and this company still refuses to remove this information from there reporting systems. I have consistently sent certified letters asking this company to send me information that validates that this is a debt that I owe. They have sent me bank account information, a bank printout, and no real validation that I owe this company any money and that thus is my debt. I have repeatedly asked these people to remove this information from my record, and that these charges were not made by me and this is not a debt that I owe. The company on numerous occasions failed to provide this information and continue to state that hey are waiting on XXXX XXXX XXXX to send more validation, and etc. This again is not acceptable. I have been fighting to regain my identity that of which was stolen from me, and this company could care less, and there intent is to continue to provide false information in the chex system report under my name. The company that they are reporting as account abuse is with XXXX XXXX XXXX in the amount of {$4600.00} they are reporting this information under my name and SSN and thus is inaccurate. I am a victim of identity theft and the report is attached. I want this company to delete this inaccurate information from my chex systems report immediately. My account number with the FTC- Federal Trade Commission is # XXXX and my Police Report Case number is XXXX
04/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	NY XXXXX	Web
I was in XXXX XXXX XXXXXXXX XXXX XXXXXXXX in XXXX for XXXX year and my automatic withdrawals were still processing- the bank knew i was in XXXX knew i was in hospital and knew that i had no way to respond, or any way to stop the situation and yet charged me horrendous fees, and then closed my account as a charge off due to the fees. I WAS SEVERELY AFFECTED BY PANDEMIC AND INSTEAD OF BANK PROTECTING MY ACCOUNT AND MY CREDIT THEY WERE ONLY CONCERNED OF THEIR OWN MONEY MAKING SCHEMES AND RUINED MY CREDIT. NO ONE CAN PUNISH ME NOR MY CREDIT FOR BEING XXXX XXXX XXXX XXXXXXXX AND AFFECTED BY A GLOBAL PANDEMIC. IN ADDITON - HOW COULD I HAVE POSSIBLY FIXED THIS ISSUE IF I WAS BASICALLY XXXX IN XXXX AND CONTAGIOUS WITH XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX.. SOMEONE EXPLAIN? THE MERE FACT THAT I SPOKE TO THE MANAGER AT THIS BANK AND INSTEAD OF HIM RESOLVING IT AND EXCUSING ALL THE CHARGES HE ARGUED THEY WERE LEGITIMATE AND MY PERSONAL SITUATION HAD NO BEARING ON THEIR BUSINESS. THE CARE ACT FOR PANDEMIC STATES THIS CAN NOT BE DONE, I WANT IT IMMEDIATELY REMOVED FROM CHEX SYSTEMS, IN ADDITION THE FEES ARE WRONG I WANT THEM DISPUTED AND REMOVED AND I DEMAND MY DEBT CLEARED AS THEY TOOK THOUSANDS AND THOUSANDS OF DOLLARS WHILE I WAS XXXX XXXX XXXX XXXX. THIS BANK IS ALSO XXXX TO ANY ONE WHO IS NOT OF XXXX ORIGIN AND TREATED ME LIKE TRASH EVERY TIME I WENT IN THERE. I DEMAND THIS RESOLVED - FEES CANCELED AND REMOVED OR I WILLL SUE AND GO PUBLIC.
07/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	LA 70001	Web
My name is XXXX XXXX, a federally protected consumer, and I AM MAKING THIS COMPLAINT AGAINST CHEXSYSTEMS for furnishing inaccurate information to my consumer report. It is imperative that ChexSystems always has the most accurate information in my credit file at all times. By furnishing these inaccuracies, ChexSystems is in direct violation of 15 USC 1681b ( a ) ( 2 ) because ChexSystems has, in fact, knowingly furnished my consumer report with inaccuracies multiple times without my permissible purpose or written instructions to do so. As a result, these actions have caused my family and I a great deal of injury and stress. I am demanding the following personal information that has been incorrectly reported be DELETED IMMEDIATELY. Please delete the following inaccurate addresses : XXXX. XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, LA XXXX. Please delete the following inquiries as well, since no consent is identity theft. I never gave any of these companies or Chex Systems permission to furnish these fraudulent inquiries. I DID NOT AUTHORIZE, BENEFIT FROM, NOR CONSENT TO THE FOLLOWING INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
07/06/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	NY 11225	Web
On XXXX/XXXX/2015 I attempted to open up a XXXX XXXX XXXX account, so that I may close my XXXX XXXX XXXX account. While in an attempt to open this account I was denied by XXXX XXXX and sent an email stating I needed to reach out to CheckSystem in order to find out why I was declined. The first time I called I was given no information even after I provided my:1.SSN2. Address for the last 5 years3. Telephone NumberI was actually hung up on. I received my report on XXXX/XXXX/2015 and it is full of inaccuracies. I called ChecSystems back today XXXX/XXXX/2015 with no luck. My intention in calling was to find out 1. what information was used against me in my attempt to open a checking account with XXXX XXXX ( As stated in my Summary of Rights Under the FFCR Act ) and 2. To fix the inaccuracies listed in my report. upon calling the women that I spoke to collected information from me for approximately XXXX minutes and the result was : Sorry we could not find any information about XXXX XXXX. Further more when I asked the agent what negative marks on my fail may have resulted in my getting declined she stated " ChexSytems only provides reporting information to bank agencies, we can not provide you any further information '' This is frustrating because I have had XXXX for 9 years and I do n't know why I would n't be able to transfer banks. Also there are several inaccuracies on my report and the agent could not assist me with this either.
04/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34667	Web	Servicemember
Incordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX {$2400.00}, Acct XXXX {$210.00}, Acct XXXX {$120.00}, Acct XXXX {$2800.00}, Acct XXXX {$2700.00}, Acct XXXX {$79.00} XXXX XXXX ( XXXX XXXX XXXX ) Acct.- XXXX {$1100.00}, XXXX {$650.00}, XXXX {$390.00} XXXX XXXX XXXX {$47.00} XXXX = {$760.00} {$910.00}. these banks along with Chexsystems have cause for all banks to not allow me to open up a bank account with them because Chexsystems is wrongfully reporting inaccuracies and fraudulent information.I need these accounts removed from Chexsystems asap. they have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
04/03/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	CA 95945	Web
Dear ChexSystems ' General Counsel, After receiving a number of unsolicited phone calls and emails from people claiming to be from ChexSystems ' I feel obligated to exercise my rights and alert you to what I consider harassing and damaging behavior. Specifically, I have received numerous phone calls from people claiming they were from ChexSystems but generally refused to provide any information unless I confirmed my identity. Wary of this potential scam / phishing attempt after previously being a victim of identity theft I am unsure if this is an official action of ChexSystems or a scammer spoofing information. To this end I request that ChexSystems investigate such actions to determine if it is your employees or systems making these unsolicited calls and to provide me with a record of all correspondence on my ChexSystems file, if any. To confirm my identity, you can use my social security number as provided to you in this CFPB complaint as well as a picture of my passport. I have not been within the USA for many years and have not agreed to the use of ChexSystems to aggregate my personal information. After receiving a record of my correspondence, uploaded to the CFPB complaint I will analyze those records and if needed contact you for more information or requests. To carry out this request, please note the following personal identifiers : Name : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Address : XXXX. XXXX : XXXX
11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60440	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX By phone at XXXX or fax at XXXX To Whom It May Concern, When I recently tried to open a checking account, I was informed that I had negative entries in my ChexSystems record. The Following Informations and Inquires is a result of Identity theft and was not initiated by me, I demand that it is DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX To my knowledge, have never had non-sufficient funds and I am not aware of any negative entries. Kindly forward me a copy of my ChexSystems record so that I may verify its accuracy. Kind regards, XXXX XXXX XXXX XXXX XXXX : XXXX SSN : XXXX
03/03/2016	Yes	Credit reporting	Credit reporting company's investigation Inadequate help over the phone	TN 37042	Web	Older American
XXXX I attempted to purchase {$170.00} worth of materials from XXXX in XXXX, TN using my business check issued by the XXXX XXXX XXXX XXXX XXXX. The check was declined by Certegy Check Services. I called Certegy Check Services from XXXX and was asked if I wanted to be placed on their VIP List. The Certegy rep said this may or may not allow the check to be accepted. I said yes. He said wait 10 minutes and try to run the check through again. I did twice ; the check was declined XXXX times. I requested a copy of the declination from Certegy Check Services. It indicates that Certegy already approved XXXX previous checks from my business checking account totaling {$600.00}. Yet Certegy declined my check for {$170.00}. They only stated that my check " matched a high-risk pattern, our automated system provided a less than favorable recommendation. '' The XXXX XXXX XXXX XXXX XXXX is a valid institution. My business is licensed by the State of Tennessee. There were ample funds in my business checking account to cover the amount of purchase from XXXX ( {$170.00} ). Even Certegy 's records indicated that they had previously approved XXXX checks from my business totaling {$600.00}. How can another check from my business be considered high risk by Certegy 's automated system? Bottom line. Certegy Check Services has apparently not straightened out their act as a result of the XX/XX/XXXX FTC lawsuit file against Certegy Check Services.
04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60615	Web
I recently received an account opening denial from XXXX XXXX. In there writing they said it was a negative report from Chex systems. I had a prior complaint to them last year regarding negative false reporting by XXXX XXXX XXXX, case number XXXX. I called them up over a week ago and I asked them what was being reported and they said there is no negative reporting on your account, but the guy became very rude in his response, and i noted a year prior another person who was from XXXX treated me like I was a guilty criminal and didn't do anything. I let that woman know how wrong she was and that you can not assume i am involved with check fraud because an institute reports it. I believe negative reporting ( especially internal notes ) is still being reported with out me knowing. XXXX XXXX closed 2 newly open trading accounts, one with shares in them. I have gone back and forth with XXXX XXXX about this and they tell me its ChexSystems reporting this and I don't even know what it is, and nobody will tell me what it is. I have a SBA EIDL loan in process them telling me nothing negative is on my account and not sending me a report has me really bothered, and people with these type of attitudes for what ever reason has me concerned. Chexsystems operates with impunity in negative reporting whether you are guilty or not, and there is no one or nothing to keep them in check. My question is why???? Respectfully, XXXX XXXX
05/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	FL 334XX	Web
ON XXXX / XXXX / XXXX XXXX Bank reported me to Chexsystems for suspected fraud activity and closed my bank account. About 8 months later due to moving, I had another bank account at another commercial bank that I decided to move to another bank so I closed the account and went to the new bank tried to open a checking account and Due to the ChexSystems report from XXXX Bank, I was unable to open a new checking account When I found out that XXXX placed me in the Chexsystems I contacted them via phone and paid them {$690.00} on XXXX / XXXX / XXXX that I did not know that I owed them and requested relief from the Chexsystems report. That XXXX never came. on XXXX / XXXX / XXXX I wrote them asking for the report to be deleted because XXXX Bank XXXX XXXX to Chexsystems the suspected Fraud was accurate and Verified it as accurate to my dispute with ChexSystems. on XXXX / XXXX / XXXX I have requested specific documentation of the alleged fraud how such fraud was committed, Documentation and proof of me doing suspected XXXX . Documentation of how such said suspected fraud was committed. I have also asked for XXXX Bank to give me XXXX Banks Chexsystems Reporting policies of how they report customers to Chexsystems and the procedures they must follow. To Date, I have gotten Nothing From XXXX Bank. It 's now XXXX / XXXX / XXXX and demand relief from XXXX Banks Report of me in Chexsystems.
10/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	TX 75154	Web	Servicemember
I cashed Insurance Checks at my bank. I went back and removed the money. I was not told the money was " provisional '' credit. I was called and told to bring the money back because the checks were not paid. I was told I had committed a felony. I began a dispute with the Insurance company that wrote the checks because they should not have stopped payment. The bank never told me to bring the money back because I breached a contract. They told me to bring the money back because I committed a felony of theft and kiting. I was disputing that I had committed a felony of theft and kiting. There is a lawsuit in place in the court system. I disputed this item with Chexsystems explaining this is in dispute and it should be removed until the lawsuit is over. They are refusing to remove the item. I am not ok with just showing " dispute '' on my file and my husbands file. Chexsystems XXXX XXXX says they will not remove it because XXXX XXXX XXXX verifies it is true. When I explained what happened, XXXX XXXX says that is too bad, they will not remove it. I explained to XXXX XXXX the money is begin held by the court and XXXX XXXX XXXX refuses to accept it because they want {$10000.00} in legal fees added. I am requesting that Chexsystems remove any mention of this until the court systems works this out. I also requested a copy of the Account Agreement where the money was withdrawn and XXXX XXXX XXXX refuses to provide it to me.
01/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	ND 587XX	Web
On XX/XX/2018 I walked into XXXX XXXX XXXXXXXX XXXX XXXX XXXX to the get a checking and saving account and I felled out the proper papers and went to the atm to get money to put in both accounts and when i walked back in the building I was treated very disrespectfully and the banker stated they could not open up any accounts for me i asked why and they stated that I ChexSystems report came back and it was not good which was funny because i never even heard of ChexSystems and i been banking with XXXX XXXX XXXX in Arizona for over 15 years and never had an issues. which on the adverse action letter it stated that my ChexSystems score was not high enough to have peoples state XXXX XXXX XXXX to open multiple accounts for me. i spoke to ChexSystems and it took weeks to get my letter from them in the mail and when i got it i had to give them consent to have them send me my own information when i gave they my two forms of id they stated my social was linked to more they one account acutely multiple accounts they fixed the issues on there. I went back into the people 's state XXXX XXXX XXXXXXXX with my new ChexSystems fixed paperwork, and they did not care they looked at me like was less then. Now I have been studying my consumer rights under the Fair Credit Reporting Act and I have learned they violated me and did not compensate me for how i was violated below i will state the UNITED STATES CODES for how i was violated
11/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	WY XXXXX	Web
I cleared up a discrepancy with XXXX XXXX in Arkansas after my business was frauded. I have a statement from Chexsystems to that effect. I have 4 bank accounts currently and have moved out of a 4 hour distance to a branch bank. I can't get another bank to open an account in my area because # 1 the information on my consumer report is not accurate, the previous notice was cleared up immediately once I found out about it. # 2 The information of suspected fraud activity from 2014 is still showing up on this report, and Ive been turned down by 2 banks because of it. I am the VICTIM of the fraud activity and I am being made out to be guilty of it somehow. # 3 I have been treated like a criminal or something and I havent done anything. According to your latest letter regarding my rights this information can not remain on my history for more than 1 year. # 4 I wish to withdraw from your agency. It has done more harm than good. I know my current credit scores and have worked over 2 years on getting letters of credit from companies i have paid. I have had a score of 0. No Credit!!! I have paid off 3 mortgages, several vehicles and have lost a business due to fraud. Im sick of this and of the entire usa that allows this with no recourse. ( XXXX XXXX, XXXX XXXX ) on and on and the people getting screwed never see any recourse or compensation for the damage others are doing. What a XXXX hole this country is!! STOP FRAUD
06/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60452	Web
The Company ChexSystems continue to report inaccurate information in the file that they maintain under my SSN. I have sent numerous certified letters asking this company to remove this information as this information is not correct. The company refuses and continue to validate a debt that I do not owe nor have I ever owed to this company. They claim that I owe XXXX XXXX XXXX an amount of {$230.00} for alleged account abuse. They have not provided me any information that bears my wet ink signature to show proof that this is a debt that I owe. I received from ChexSystems a itemized bank statement from XXXX XXXX XXXX XXXXhat continues to state that this is my debt. This does not prove any validity to there claim and I am aware that a printout of a bill or itemized document does not constitute verification. I have written ChexSystems several times attempting to correct erroneous information on my credit report. I know they received my written dispute letters because I sent the letters using registered mail and requested signature receipts. The last dispute letter I sent to ChexSystems was delivered registered mail on XX/XX/2021. My attempts to correct my credit report administered by this company have been unsuccessful. Therefore, I am filing a complaint for your intervention. I have requested the information below to be corrected in accordance with the Fair Credit Reporting laws, but ChexSystems has not complied.
02/16/2018	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	OK 74804	Web
On XX/XX/XXXX I wrote a check to XXXX XXXX for the amount of {$24.00} It was converted to an ACH. I had at the time in my account {$24.00} I thought at the time I had XXXX but I was wrong. There was a debit to my account I was not aware of until I received the notice of the returned check in my email.for {$14.00} I do not have overdraft on this account, ( and the check would not have cleared any way but it is important to note this as an oversight on my part and not a blatant move to de fraud a merchant ) the check was sent back, when I saw what had happened I called XXXX to find out what I needed to do, they told me I would have to contact XXXX, I called XXXX on XX/XX/XXXX at XXXX XXXX Cenrtral time and the agent told me after searching for several minutes that she found the check and asked me if i wanted to pay it today I agreed she said it would be {$49.00} I agreed to pay it when she put the card number in the system she said the check was currently being sent back through and I could not pay it over the phone she then stated I would still need to pay the XXXX return check fee though. I argued and hung up today XX/XX/XXXX they have attempted to debit my account for XXXX on behalf of XXXX stores but I did not have that much in my account. I am asking if they can continue to attempt to debit my account without my authorization, and If I must pay a return check fee for a check that cleared upon re deposit?
11/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 72401	Web
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Arkansas, XXXX Chex Systems, Inc ATTN : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Www.chexsystems.com XXXX To Chexsystems Dispute Department, I recently received my report and discovered that you are reporting " Unknown Accounts ''. As a result of my findings. Please Send Me In Full Arrangement ie : " The Agreement and/or Contract with my signature on it that says that this debt is mine or Delete It Immediately. For the following Accounts below : XXXX XXXX XXXX/CHARGE OFF RTN/ACCT # XXXX XXXX XXXX XXXX/CHARGE OFF RTN/ACCT # XXXX CASE LAW : Peterson Vs Experian. Richardson v. Equifax Information Services, LLC et al, Cushman Vs TransUnion. All the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that ChexSystems just can't use the E-Oscar System because its not considered reasonable. ChexSystems can not just say that we went to the Creditor and/or Collectors and got this information and " they said that its verified '' and " we can say that its verified ''. No! I'm sure that you are aware that the FCRA, allows damages up to {$1000.00} per each violation. I am prepared to sue under the FCRA for non-compliance if this matter isn't handled amicably in ( 15 days ). And send me another credit report. Thanks!
01/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	OH 435XX	Web
Formal Complaint On XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Chex Systems and XXXX XXXX XXXX ) These Companies are Running A Sort of Underground Blacklisting Subsystem Database & Reporting What Is Sometimes False Information To Some Banks That Try And Use These Services Outside The Scope of Fico scoring or the three empirically derived credit reporting agencies. For Example, If A Person Received A Check in the mail, cashier or legitimate compensation of any sort, they deposit the check into their bank, it may fail to clear for any unknown reason, after three days or so, even if no money was drawn, accessed or spent from the bounced check, some banks are reporting that a check bounced to these blacklisting subsystem databases, therefore completely blocking or blacklisting an innocent person 's ability to open any new bank accounts at any bank that looks at these, aside from regular normal credit agency scores, In Addition, when Phoning in or Contacting These XXXX XXXX and trying to dispute or clear these types of blacklisting from an individual 's account, They are Beligerent and Won't Remove, Clear or Provide a way to clear those databases, They Refuse to Clear Erroneous or Frivolous Complaints, it should be deemed as illegal blacklisting! Those Subsystem Databases Should Be Forced To Halt Their Collecting of Personal Data, Social Security Numbers, and Information On People as well as Using It As A XXXX XXXX
05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	IL 60620	Web
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.
08/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 924XX	Web
I have been trying to obtain a bank account for many years now and I kept wondering why I would get denied by all banks. Until I went to US Bank and they provided a adverse action letter that let me know they were receiving information from Chexsystems. There are two things wrong with this situation and the CFPB really needs to investigate chexsystems for these two mistakes. The first mistake is that I have a freeze on any reporting from chexsystems to be reported about my entity to any financial institution but apparently Chexsystems is still reporting information to bank as I continue to be denied accounts. Secondly Chexsystems is located in Minnesota in which I have my entitiy registered with the Sec of State of Minnesota as a ficticous business so chexsystems should know that this name is Registered to an owner and is not a real live person but is owned by one. This is a clear case of disregard to the rules by chexsystems to provide my report to US Bank although I have a freeze on my report and for not acknowledging that the name XXXX XXXX XXXX XXXX is registered as a ficticious business name in the state of Minnesota. This is a clear disregard of the FCRA and my private unalienable rights and a violation of my fifth amendment rights to be secure in my private property and paper. Chexsystem obvisiously believes they are above the law and codes of the United States and can do whatever they like.
12/28/2017	Yes	Checking or savings account Checking account	Managing an account Cashing a check	UT 84123	Web
I am the XXXX for an XXXX XXXX XXXX. We received a check from a donor that was issued by a bill pay service XXXX ( formerly XXXX ), but the check was incomplete. About 1 inch of the right side of the check did not print at all, so the serial number, the trailing three digits of the amount and the check date did not print and thus I am not able to deposit it. I can tell by the written part of the check, but the check was only for {$10.00}. I contacted XXXX at the email printed on the top of the check along with an image of the check requesting that they reissue because the currently issued check is not valid. After 6 days, they emailed me back and told me I needed to resend the physical check for them to reissue it. This feels burdensome and not consistent with regulation CC or Check 21 because I do not believe this check has all of the elements to be considered a substitute check - thus they withheld funds from this donor and the donor is unaware of that they did n't actually issue a legal check. I, in good faith, notified them of an error that impacted a check issued to my organization with visual evidence of their error and they are refusing to resolve it without sending a physical check for a very small amount. This is harming my organizations donor ( who is a individual consumer ) and potentially an unknown number of other unknown customers who may have also had incompletely printed checks.
01/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	TX 76112	Web
XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX XXXX, TX XXXX, USA XX/XX/XXXX ChexSystems XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX, AZ XXXX Attn : Consumer Relations Attn : Consumer Relations RE : Request to Delete and Block Accounts Resulting from Identity Theft Dear Sir/Madam, My name is XXXX XXXX XXXX. I am a US Citizen and a resident of the state of Texas. I was advised by my local police department to send out this letter and to include specific fraudulent information appearing in my credit file. Please note that this information is inaccurate and appears on my credit file as a result of identity theft. The following information listed below is fraudulent and doesnt reflect any transactions made by me : Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX TEXAS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please delete and block this information from my consumer report pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. With this letter, I have enclosed a copy of my consumer reports received from your company, a copy of my identity theft report, proof of identity, a utility bill, a police report and other additional documents to support my claim. Thanks for your understanding XXXX XXXX XXXX
08/07/2015	Yes	Credit reporting	Unable to get credit report/credit score Problem getting report or credit score	IL 60056	Web
I went to get myself a Checking account and was told by the bank that ChexSystems had a fraud alert on my social security #, I immediately requested my report from Chex Systems. Exactly a week later I receive a report that is scrubbed of ANY identifying reported information. None of the sections in the report held anything besides the inquiries section. The cover letter however put together some excuse stating that " a discrepancy was discovered that associates the Social Security # you have provided to us with another individual 's account information. Therefore you file has been forwarded to the appropriate personnel for handling. We will contact the source of the information to request that they investigate the accuracy of the SS # ''. This of course removes my right to dispute the reported information because my report was scrubbed removing ALL reported information that had them flagging me as a Fraud. I do n't even get the ability to know who the reporting institution was to check with them. To me it seems ChexSystems now can have their " investigation '' take as long as they need and does n't allow me the right to dispute since their is nothing on the report to dispute. Seems to me this agency is NOT adhering to the FCRA, not to mention the emotional distress this caused, the loss of the {$200.00} incentive from opening the account and the time that was wasted I took to open the accounts.
06/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55408	Web	Servicemember
The following reported information on my Chex Systems Consumer ID Report : XXXX is fraudulent and unauthorized Checking and Savings Accounts : XXXX XXXX XXXX, {$990.00}, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. The following Inquiries Viewed By Others are all fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XX/XX/2020, XXXX XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, The following Inquiries Viewed Only By You are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX, XX/XX/2020, and XXXX XXXX XXXX, XX/XX/2020
02/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL XXXXX	Web
XXXX is A FRAUDULENT CRIMINAL AND USES WORD SEMANTICS AND MANIPULATION OF FACTS, so i read the response, and it doesnt answer my questions, and is very deceptive, so you kept the original check, how long did you keep it before you sold it with a cusip number as a securities instrument?, I have located the financial institution you sold it to, did you also sell my original contract with the wet ink signature?, I BET YOU DID, AND ARE YOU GOING TO CHARGE SERVICE FEES TO MY TRUST ESTATE?, I BET YOU ARE FOREVER, so XXXX has sold the original instument which now there is no proof of indebtedness, I havent received a sworn statement from ANY XXXX representative stating a wrongdoing committed by me, sworn to before a notary which makes it binding ; ; and yet XXXX makes false claims on me? send me a sworn statement of wrongdoing committed by me and swear to it under oath, because you cant do it, YOU SOLD THE ORIGINAL INSTRUMENT AND MADE PLENTY OF PROFITS FROM IT AND IM GOING TO PERSUE THIS MATTER AND PROVE THE FRAUD AND LIES COMMITTED BY XXXX, I NEVER RECEIVED ANY ''BILL '' EITHER, SO SEND ME A ''BILL '' AND NOT A STATEMENT, A STATEMENT DOESNT PROVE ANYTHING, its all presumptions you XXXX liars creepy freekazoids criminals, HOW MANY SIGNATURES ARE YOU SELLING EVERYDAY YOU LYIN XXXX XXXX, AND THE LAW SAIS YOU OWE ME THE INTEREST WITHIN 3 YEARS FROM ALL THE SECURITIES YOU SOLD USING MY TRUST ESTATE,
01/20/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	NY 10012	Web
On XXXX 2014, my purse was stolen from my car in XXXX, XXXX. I called XXXX XXXX right after the incident to inform them my wallet with debit card, credit card and photo ID was stolen. However, they let the person/people that stole my purse cash checks on my name in another state a couple of days later. My account was frozen until the case was resolve XXXX months later. Because the process took so long and the bad service at XXXX XXXX, I decided to move my account to XXXX XXXX in XXXX. Recently, I moved to XXXX where XXXX XXXX is not available and also got married, I 've tried to open another checkings account in a local bank but i 'm not allowed. Also, I tried to open an join account in XXXX with my husband, who is a XXXX costumer, but I ca n't do either because XXXX XXXX let someone steal from my account twice even though I called and cancelled everything. They even let it overdraft by thousands of dollars. I have the police report which states someone broke into my car, I even have the receipt from my cars repair. I have excellent credit. However, I not allowed to open a checkings account because of XXXX XXXX 's incompetence. To this day I do n't understand how XXXX XXXX let this happen. Who cashes checks for XXXX in a different state after they called a few days before to inform the bank about a robbery. On top of stealing from a client then they do n't let people bank with anyone else.
10/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33952	Web	Older American
I subscribed to XXXX online bookeeping service on XX/XX/2021. As part of my signup, I elected to have my monthly charge automatically deducted from my bank account by XXXX. XX/XX/XXXX - my {$9.00} monthly fee was withdrawn from my account by XXXX XX/XX/XXXX - my {$9.00} monthly fee was withdrawn from my account by XXXX XX/XX/XXXX - a {$10.00} monthly fee was withdrawn from my account by XXXX ( for a second service I had not ordered ), XX/XX/XXXX - I called XXXX and terminated my subscription. I also pointed out the {$10.00} charge was incorrect, as I had not ordered an additional service. XX/XX/XXXX - XXXX refunded the {$10.00} back to my account. All of these transactions were done automatically by XXXX. I got a letter around XX/XX/XXXX from collection agency Complete Payment Recovery Services IncXXXX XXXX XXXX XXXX XXXX, claiming they were collecting for XXXX the amount of {$10.00}. I spoke to XXXX who told me my account had been paid in full each month and I was not in arrears. They also told me they never submitted any claim to the above collection company, and would never do so for a new customer, for such a small amount. They advised me to simply ignore the letter, which I did. Since that time, I have received a second notice from the collection company on XX/XX/XXXX. I am including documentation of all transactions with XXXX, as well as the 2nd collection agency letter.
12/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CT 063XX	Web
On XX/XX/XXXX i checked my account to see what my balance was because i was making sure it will still at {$0.00}. When I signed into my account I noticed they charged my account a monthly fee of {$4.00}. I called XXXX XXXX XXXX XXXX XXXX they told me I have a negative balance and it needs to get paid or they will have to put it in collections so the same day I went to XXXX XXXX XXXX XXXX and did a money order for {$4.00} I paid off my balance which is- {$4.00} from XXXX XXXX XXXX XXXX XXXX in XXXX, ct on the same day because I did not want it to go to collections. I waited a couple of days and I tried to sign into my account but it did not let me so I figured the account was closed and they received the money order. I tried to open a bank account XX/XX/XXXX and they told me they are unable to open an account for me because I need to contact ChexSystems about XXXX XXXX XXXX XXXX put that I left the bank in bad standards and the balance is unpaid. It is not letting me open any bank because of it. Today on XX/XX/XXXX I called XXXX XXXX XXXX XXXX about the balance they told me that the amount is paid in full so they dont know why ChexSystems said the account is not paid. Also on XX/XX/XXXX I called chex systems right after they told me they will have to call charter oak because it is weird if they recieved the balance a year ago why they never contacted them to update the information.
04/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11219	Web
I realized that lately every time I apply to open a Checking Account I get a letter DECLINED, and the reason they refer me is " due to negative information on your ChexSystem Report ''. So I ordered a report and I indeed did see that 90 % of Information is wrong, in particular a XXXX XXXX checking account which is reporting from XX/XX/2019 as a charge-off. I tried several times Disputing it with ChexSystem by sending them Dispute Letters and they never responded. Until they responded with a letter today saying that they verified with XXXX XXXX that the account does belong to me. I believe there's no need for me to even go into details about all my phone calls with XXXX XXXX and so on. THE BEST EVIDENCE THAT IT IS IMPOSIBLE FOR THIS ACCOUNT TO BE MINE IS TO SIMPLY GO TO XXXX XXXX 'S WEBSITE AND CLICK 'APPLY FOR CHECKING ACCOUNT ' the first question they will ask you is your zip code, and after I enter my Zip Code which is XXXX ( and ChexSystem also agrees my zip code is XXXX ) a message comes up from XXXX Bank XXXX WE DO NOT OFFER ANY PRODUCTS in your area. I will be attaching a screenshot from XXXX Bank showing this message hoping up if/when I try to Apply or Open a Checking Account. I will also attach my ChexSystem report, whereas you can see on the first page my ChexSystem R eport Number, and you'll see the Negative Account which they are wrongfully reporting on it.
02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TX 78550	Web
In my attempts to open a checking account last month, i got turned down by 3 different banks for the same reason. Neither of them can give me a reason or explain what was going on. The only thing they did give me was the name of the bank and so i called the bank to resolve the issue or find out i called twice and went to the bank 3 time trying to resolve this issue. FIinally in my last attempt the banker informed me of an account with fraudulent activity was closed out in a negative balance with my information. i informed them i dont recall inquiring in opening an account & i had gotten my document and other items stolen from me that year. This happened twice.The banker got on the line with there collections department trying to get this report out of the way so that i can open a checking account with a bank and work on building my credit and getting my debt in line. I left after a few hours the banker informed me that she will get in contact with me with an update on this. The fraudulent activity on this account was not doing and i have several other reports im disputing for identity theft/ fraud. ive informed everyone i spoke to that this account ended up getting accessed by an unauthorized user, to dispute, and that i will make payment for the amount owed while it undergoes the dispute proccess, but nothing has seemed to get resolved. i need this account removed from my report
10/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33025	Web
It is the second dispute that I have made to this agency, where there is wrong and unauthorized information, they did not provide me with evidence proving that said information is mine or authorized by me. ChexSystems, I must also conclude that you are reporting this information in error. Please note that your failure to respond to my request is a violation of the Fair Credit Reporting Act, as well as the continuing list of inaccurate and unverifiable information. information in my file. Unless I am notified otherwise within 30 days of receipt of your this notice, I will conclude that you and have waived all claims in this matter and that the matter is definitively closed. Similarly, if it is not removed from my ChexSystems file, I will file a lawsuit in small claims court to recover damages for your continued violation of the FCRA. Please note that this communication, for purposes of 15 USC 1692 et seq, has the same effect as a dispute over the validity of the alleged debt. This communication is also dispute over the validity of your claims related to. This communication has been sent in an attempt to correct your records and preserve my rights under the FCRA. Any information obtained from you will be collected as evidence if this matter remains unresolved. Please note that this letter is a request for information only, and is not a statement, election, or waiver of status.
11/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48174	Web
I ordered my credit report from chex systems and I disputed the things that I did n't authorized and they sent me a letter back on XXXX/XXXX/2017 stating that everything in my report was correct. I am so sick of these credit report people telling you what 's right and what 's wrong. Please show me where I applied for credit, or gave someone written permission to run my credit. This is why I have a fraud alert on my credit report. These companies are not doing there job and it ; s sad that anyone has to keep calling or writing them for them to remove this. What person you know would let a company run there credit 10 times knowing that there not going to be approved. This makes no since. I want these company 's removed from my report. Or send me proof in writing that I aloud them to pull my credit on my behave. These companies claim to have ran my credit on behave of someone else. Which is not true and how can anyone else run your credit on behave of someone else. I would think that I would have to give permission to both companies if this is true. I also know that hen these so called companies ran my report they used the name XXXX XXXX like everyone else has been doing that is not my name. Thee only reason Chex systems has my correct name is because I sent them a copy of my license and social security card to update my information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89110	Web
ChexSystem is reporting a social security in error in my consumer report, I sent my social security card several times to them but they dont remove the incorrect number they report it, ChexSystem agents are incorrectly alleging that I called them and I gave that number so they add it to my report without proof ( social security card ), they also mentioned that they called me to confirm that info but they got not answer so they was not able to confirm the number that they are alleging I provided to them otherwise I called them several times and sent proof of my social security number to correct that but they been refusing to do so. The only number that I ever had is the one ending in XXXX. Also ChexSystem is reporting a baunch of inquiries in my credit report that I disputed several times and they keep saying that are valid without providing evidence, those inquiries that I mentioned had different social security numbers as well those numbers are not reported on my report but those inquiries still in my consumer report. Communication abilities of ChexSystem agents are very poor since those agents are located in XXXX. The agents been asking for a police report saying that I didnt provide them the social security number that they alleging belongs to me but I cant file a police report without they proving me they allegations, I dont even know if they are lying to me as usual.
11/05/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Managing, opening, or closing your mobile wallet account	TX 77008	Web
on XX/XX/23 at XXXX central I received an email from " XXXX '' stating : Hello XXXX, Your user account has been successfully created. Your Login Name is : XXXX For security, your password will be provided separately. If you do not recognize this activity or find this email suspicious, please contact help desk at XXXX. Regards, Payment Card Customer Service I received a subsequent email from the same address at the same time with a temporary password. The language was similar. To the best of my knowledge I have no business relationship with fisglobal I called the number, and the phone number requires you to either enter a XXXX digit card number or report a card lost or stolen. There is no option to speak to someone if you find this email suspicious. There are no other options that would allow you to speak to someone. I forwarded the email to XXXX on XX/XX/23 at XXXX central with the following text : " Can yall please provide more information on this email? I called the number as instructed but it asks for a XXXX digit card number. I have a number of cards, but also not real crazy about entering a credit card number without any explanation. The only other option was to report a card lost or stolen, so there wasnt a way for me to speak to someone about why I received this email. I have a card or login with XXXX but it hasnt been used in a long time. '' They refused to respond.
10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I went to the XXXX Police Department to file a police report in regards to me being a victim of identity theft, a checking account with XXXX XXXX XXXX Bank, {$960.00} and XXXX fraudulent inquiries viewed by others currently listed on my Chex Systems credit report. The XXXX Police Department informed me to file a complaint with the Federal Trade Commission XXXX XXXX XXXX XXXX and told me Chex Systems is required by Federal to accept the Federal Trade Commission XXXX XXXX XXXX in regards to unauthorized and fraudulent inquiries and accounts. Chex Systems keep telling me I need a police report and they can not accept the Federal Trade Commission XXXX XXXX XXXX. I want Chex Systems to immediately delete and remove the following fraudulent and unauthorized Inquiries Viewed By Others currently listed on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30277	Web
Error on consumer checking account screening report. I am requesting a correction of the following information that appears on my ChexSystems consumer report : Dispute : Source of Information : XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID ; Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Reported SSN/ID : XXXX Drivers License : XXXX State : GA Date of Closure : XX/XX/2021 RTN/ACCT # : XXXX / XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/2021 I am requesting negative inaccurate information to be removed from Chexsystems or any other consumer reporting company containing information that is inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX is in violation of my rights. To my knowledge, I have never had owed money to XXXX XXXX XXXX. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from XXXX XXXX XXXX including copies of any documentation associated with this amount owed which bears my signature. In the absence of such documentation, I request that this negative report be permanently removed from my ChexSystems report. I have attached documents to verify my identity
08/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90045	Web
There is a delinquent account in the amount of {$280.00}, that is being reported since XX/XX/2015 by XXXX XXXX XXXX XXXX, to ChexSystems. I immediately contacted ChexSystems to dispute the amount being reported once I was made aware of the negative impact on checking profile. I did not remember owing any amount to XXXX XXXX XXXX so I filed the dispute and waited a little over 30 days for my updated results. To my surprise, the account was not removed but I was advised to contact XXXX XXXX XXXX for further information. Well, I contacted XXXX right away and spoke to many different associates, who all provided me with basically the same information. I was told that my account was archived and no information besides the fact that most of the fees were because numerous overdrafts fees were accessed to my account due to a {$9.00} balance. I was told they could not find any information on why I was being charged {$9.00} dollars but that the overdraft fees were valid and would have to be paid in full to remove this account from my profile. I do not understand how {$9.00} can result in someone being charged {$280.00}. This company can not and has not provided me with any documents stating the breakdown of the charges yet they continue to report the debt is valid. Please assist me with holding this company accountable and stop them from taking advantage of low-income individuals.
09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	PA 19082	Web
I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report. Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case!
12/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 333XX	Web
I have provided an FTC report and stated the constitutional laws that were being broken by this agency. They have replied by stating that the accounts in question have been validated by the creditor and have failed to provide such proof. Also according to the constitution, the " original creditor '' which in this case is me, I am the ONLY party that can validate such a debt. The " creditors '' that this agency is referring to is only allowed to ASSUME that a debt is valid. Along with such malpractice, agents of this agency have told me that they do things according to " policy '' & not the law. This agency is violating so many FCRA & FDCPA LAWS. 15 U.S. Code 1681A - Congressional findings and statement of purpose, & 15 U.S. Code 1681B - Permissible purposes of consumer reports & 15 U.S. Code 1681E. No consumer reporting agency may furnish a consumer report to any person or third party if it has no reasonable grounds for believing that the consumer report is accurate unless they HAVE PROOF. As a matter of fact, no consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. I respectfully request to be provided proof of this alleged item, specifically the contract, note, or another instrument bearing my signature & proof of identification, or presence.
07/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 653XX	Web
I have noticed on my three credit reports unauthorized credit inquiries hard and soft inquiries. I have not applied for any credit or to purchase a car or anything this is attempted Identity fraud. I have had a prior case in the past where my Identity was stolen and used to fraudulently obtain credit. I know these are the product of the same thing. I should have caught them sooner. I have been in contact with the companies and have either I feel purposely gotten hung up on or not wanted to be taken care of. I was actually told they were not approved so why are you worried? I would like a freeze put on my credit reports as well. Plus a statement as to any credit inquiry needs to be verified by calling me. below are a list I have at this time of the inquiries and the dates of said inquires that are not mine. personify XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is the list list I have so far please remove these fraudulant inquiries. Thank You
04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	PA 19141	Web
Chex Systems Inc. ( ChexSystems ), a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act ( FCRA ), pursuant to 15 U.S. Code 1681a ( p ) and 15 U.S. Code 1681a ( x ), is reporting information about me without my consent. I did not authorize, consent, nor benefit from the information they report about me. Chex Systems Inc. violated my federally protected consumer rights. Pursuant to the FCRA, Chex Systems Inc. is not to report information about consumers unless Chex Systems Inc. has permissible purpose. Pursuant to 15 U.S. Code1681 Congress require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the FCRA. No information that Chex Systems Inc. reported about me benefit me, I authorize, met the needs of commerce, fair and equitable to me with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the FCRA. Chex Systems is on notice for its wrongdoing. Attached with this complaint are a Notice to Cease & Desist, consumer report listing several FCRA violations, along with additional documents.
04/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30339	Web	Servicemember
I have contacted XXXX XXXX , ChexSystems, XXXX XXXX XXXX about fraudulent information contained in my consumer file with ChexSystems. Several accounts were opened in my name using my correct personal information when I was the victim of identity theft. I have provided a copy of my police report, drivers license, and social security card to these business and made them fully aware that these accounts were not mine and they have refused to act in accordance with the laws that govern the reporting of such information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX S.C. XXXX Reported SSN : XXXX Account Number : XXXX Routing Number : XXXX Date Reported XX/XX/2016 Reported for NSF Closure Status : Unpaid Closure Status Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AL XXXX Reported Name XXXX XXXX XXXX Reported Address XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX Reported SSN : XXXX Drivers License : ( Blank ) RTN : XXXX Account : XXXX Reported for NSF : Am ount : {$130.00} Paid in full settled I have properly notified all XXXX of these companies that these are not and were not my accounts and respectfully requested they remove this fraudulent information and they have refused to do so.
11/03/2016	Yes	Credit reporting	Credit reporting company's investigation Inadequate help over the phone	TN 38017	Web
On or about XXXX/XXXX/16, I wrote a check to retailer, XXXX XXXX, which was denied by the retailer. I was told that I would have to contact Certegy directly which I did within a few days of the declined transaction. I was told that I could only be given limited to info over the phone and I had to disclose personal confidential info, e.g., banking info and driver 's license, to them if I wanted a written a response of why the check was declined for processing. I received a response about XXXX which stated the check was declined because " This transaction fell outside of the guidelines Certegy has established for authorization and the second time check was through the same date and time that authorization was declined because " Certegy did not authorize this transaction because our records indicated that the same check or payment had been submitted to us before, and authorization had been declined. '' See first reason check was declined. I spoke with a Certegy agent on XXXX for an explanation of why my check did not satisfy their " guidelines '' and was told that said info was proprietary and could not be disclosed. I responded then how would I be able to prevent the embarrassment from having another check declined for authorization if I have no info to cure the alleged defect that does not meet their guidelines. I was not given a responsive answer to this question.
03/08/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	SC 29708	Web
Chexsystems is wrong! The FCRA section 605B, says all i have to provide is a copy of " an identity theft report '' Nothing at all about dates or time frames of when the fraud occurred. Chexsystems is trying to interpret and rewrite the law, which is illegal. They have 4 business days to block the fraud, and they never do. I got the XXXX accounts removed from my record, Chexsystems had to block it only. I gave them the information two years ago, they broke the law for two years, and lie about it like in this reply. Look at their policies and see this blatant disregard for the law. Chexsystems refuses to deal with the facts and hides behind XXXX. I am appalled by this behavior and asked them to provide me their policies in how they treat my account, they lie to your entity, imagine how they abuse other customers. Sad, and illegal is how Chexsystems breaking of tbe law is classified. Stop them from breaking the law, have their policies follow the law. There is fraud all over my account. They refuse to obey the law and harm instead. Fraud ten years ago, that is still being committed today, only takes ONE police report, unless it was now comitted by myself. The banks never charged me, because it is NOT me. Chexsystems can not ASSUME that, and not obey the law. I will attach the law, so they see there are no provisions in this law, for how they break the law.
08/06/2015	Yes	Credit reporting	Incorrect information on credit report Personal information	NJ 07050	Web
I have been disputing these items for at least 2 years and Chex-Systems states that they are validated and verified. First thing My name is XXXX XXXX XXXX which I have known as that since 1974 which is XXXX years. They have my name listed as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX which are all wrong and need to be removed. My Drivers License and Social Security card are attached for verification. The have License number listed which is n't mine and I have my Drivers License attached for verification and that information needs to be deleted as well. Then the address 's I have lived at : XXXX XXXX XXXX XXXX, XXXX XXXX for 8 almost 9 years. These addresses ; s are not mine : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX Rt XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX this is my parents address not mine please delete as well. I have attached the Chex Systems Report so that you can see it for your self. I have over XXXX inquiries from Credit Unions and banks that I did n't authorize to pull my information and I even notice XXXX banks reporting as NSF Activity that I want to be removed as well. One has a misspelling of my name and the wrong address and others I am disputed in invalid.
08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30318	Web
Personal Information Update Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 RE : Social Security Number XXXX Chex Systems , Inc Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX To Whom This May Concern : This is my SECOND TIME writing you to update my information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities With fairness, impartiality, and a respect for the consumers right to privacy. I, XXXX XXXX, demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Legal Name - XXXX XXXX 2. My Address - XXXX XXXX XXXX XXXX XXXX, GA XXXX Please delete all other addresses, I can not receive mail, any correspondence, nor do I have access to any of these addresses. Please delete these outdated addresses and update my consumer report with the one above. My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ). I am a federally protected consumer and I have a right to privacy. Not granting me my rights is indirect violation of 15 USC 1681 and all its subsections.
10/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46260	Web
I recently found out that my name was attached and associated with 3 consumer reporting agencies, XXXX XXXX, Chex Systems, and certegy. I have called certegy they have a check in the amount of XXXX that was wrote on XX/XX/2014, associated with my ID found this out while I went to XXXX to cash a check as I have been doing many years they cant verify an address on file NONE of the addresses i have given them is tied to me, I called early warnings they gave a bank account that was opened in 2014 with XXXX XXXX, I wasnt even in XXXX yet, I disputed this issue with them and they are saying its accurate and its not, I want my signature to be verified, and what ID and address was used, the same for Chex systems its so frustrating all of a sudden I cant cash checks at XXXX or XXXX due to fraudulent accounts Ive never wrote a check in my life and Ive NEVER had a XXXX XXXX account. I want this removed from my name, how is it even possible I got 2 different fraudulent items in 2 different cities I can ONLY be at one place at ONE time! I just want them to detach these accounts from reporting against me because they are NOT mines and I do not write checks let alone shop at target and never have I ever been declined to cash a check until recently. I want this fixed, its a negative on me and I do not like it especially since these accounts have nothing to do with me.
01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 777XX	Web
I sent Notice of dispute XX/XX/2022. ChexSystems claim to have verified the account. In XX/XX/2022 i sent ChexSystems an NOTARIZED AFFIDAVIT OF TRUTH & they responded back Verified and accurate, but however removed my unverified inquiries. This was proof that they could not verify the information. This has caused mental anguish, due to not being able to pay my bills & take care of personal thing. Pursuant to 1681 ( a ) ( 2 ) your company is a inadequate elaborate mechanism & this mishap has RUINED my reputation information indeed was verified. If it was verified what is their Method of Verification?? Also the only proper way to respond to an AFFIDAVIT is with another Affidavit. they did not respond properly. Below is all details attached. The banking system is dependent upon my consumer report being fair & accurate. These account are clearly affecting my life adversely. 3rd attempt to correct this issue is attached below also 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
10/26/2015	Yes	Credit reporting	Credit reporting company's investigation No notice of investigation status/result	CA 91335	Web
I have previously sent ChexSystems 3 requests all via certified USPS registered mail to the mark on my file from XXXX XXXX XXXX, under the Fair Credit Reporting Act and Fair And Accurate Reporting Practices Act and all I received was copies of bank statement of the alleged account that they say belongs to me. Their letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification. I contacted XXXX XXXX XXXX and they do not have any proof that this account belongs to me. How can ChexSystems verify this information without proper documentation. Bank Statements do not serve as proper method of validation according to the FTC. ( 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ) ChexSystems has yet to correspond with me via mail and is in violation of several State and Federal laws. I have tried opening a bank account today and was denied because of XXXX XXXX XXXX showing up on my ChexSystem File. Accordingly, I can show a judge that these accounts meet the guideline for the removal/inaccurate and that you violated the Fair and Accurate Credit Transactions Act and several other rules and regulations, state and federal by ignoring my requests to investigate the items.
08/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95945	Web
To whom this may concern, This is a follow-up to my previous complaints regarding abusive behavior by credit bureaus that have left me unbanked and underbanked. I am writing specifically again ChexSystems and their QualiFile score system which is unfairly denying me a bank account and not properly functioning ( based off the attached document ChexSystems states my QualiFile score is XXXX, which is outside of the acceptable ranges ). To resolve this situation, I would like ChexSystems and Qualifile to immediately remedy their system problems so that my QualiFile score is not shown as XXXX, send a copy of the credit report and QualiFile score to my at my address, and once all amendments and disputes are finalized informed all inquiriers within the last 12 months. Put bluntly, the fax that the ChexSystems QualiFile score system does not even operate within its published bounds means that myself and probably thousands of other consumers are being unfairly denied a bank account due to a QualiFile score of XXXX being given to financial institutions that are unable to process a XXXX score value. Therefore, to ensure this does not damage me again, please adequately explain to me why my QualiFile score was presented as XXXX, once again outside the acceptable range, and inform me of what action you have taken to avoid the problem in the future.
04/14/2017	Yes	Bank account or service Checking account	Account opening, closing, or management	SC 297XX	Web	Older American
I went to XXXX to open a checking account on XX/XX/2017. the gentleman I spoke with ask for my ID and Social Security number. He submitted my info into his computer in which he received some info from ChexSystems. At that time he told me that he could not open a checking account for me due to negative information on the report. I contacted ChexSystems and a few days later they sent me a report. A company by the name of XXXX XXXX had submitted XXXX different negative feedback 's on this report from XXXX different company 's in which I have never heard of. Also on the report was a company call XXXX, representing XXXX XXXX XXXX, XXXX XXXX, representing XXXX XXXX XXXX, XXXX,. I have never ever heard of these company 's. A telephone number was not listed for any of the company ', and also the last XXXX of my SS number was listed.I have no idea who this company ChexSystems is or what their business consist of, but it looks to me that they have too much information on me, and the info is completely false. No wonders Identity Thief is such a huge problem in this Country with Company 's like this in business!!!! These people have complete control of the Consumer in this Country.I am XXXX years old and a XXXX Veteran, and It is a disgrace when a you ca n't even open a checking account in a bank in this Country because of people like ChexSystems!!!!
04/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 314XX	Web
I submitted my first dispute on XX/XX/XXXX and never received a response of any contact in regards to that dispute which involved Chex system reporting an unauthorized account on my report from XXXX XXXX XXXX XXXX. They ignored my first dispute so I submitted another one online as well a complaint with the CFPB in regards to this matter. I am a victim of identity theft which I explain to the company already and well submitted a FTC report. this company is cause me tremendous stress due to the fact their letting a unauthorized account that is fraudulent report to my report after explaining and taken the proper procedures to let them know I am a victim of identity theft. I will bring this matter to the attention of the better business bureau and the office of attorney general of Ga. Ive been affect by the XXXX XXXX , XXXX XXXX XXXX , and XXXX XXXX company data breach. I also lost my wallet with all my person information in it. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate this account. I do not validate this account. Therefore, the following account must be deleted from my report. I will also seek litigation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if this this account is not deleted immediately off my credit report.
12/21/2023	Yes	Checking or savings account Checking account	Closing an account Company closed your account	CA 94606	Web	Servicemember
Subject : Formal Complaint Regarding Inaccurate Reporting and Account Access Issues On XX/XX/XXXX, 2023, an estate appointment was scheduled with XXXX XXXX Bank. Having significant concerns regarding the reporting and handling of my account information. As a personal representative, my reputation is being jeopardized due to the erroneous reporting by ChexSystems, hindering my ability to fulfill my responsibilities effectively. This situation has led to unwarranted challenges and scrutiny, impacting the trust and confidence placed in me as a responsible representative. The error in the ChexSystems database, which is adversely affecting my ability to open an estate account. The issue stems from a previously reported debt that has been fully paid. Despite the settlement of the debt, the information in ChexSystems inaccurately reflects an outstanding balance. This misinformation has prevented me from successfully opening the estate account, causing undue inconvenience and delays in the estate process. Chex Systems needs to expedite a resolution to ensure that the inaccurate information is corrected immediately ensuring that I am able to return to the same branch and open the decedent 's account. ( The letter was requested from XXXX XXXX ) The ChexSystems rep alleged that ChexSystems reports that the amount remains unpaid in the database.
08/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95945	Web
To whom this may concern, This is a follow-up to my previous complaints regarding abusive behavior by credit bureaus that have left me unbanked and underbanked. I am writing specifically again ChexSystems and their QualiFile score system which is unfairly denying me a bank account and not properly functioning ( based off the attached document ChexSystems states my QualiFile score is XXXX, which is outside of the acceptable ranges ). To resolve this situation, I would like ChexSystems and Qualifile to immediately remedy their system problems so that my QualiFile score is not shown as XXXX, send a copy of the credit report and QualiFile score to my at my address, and once all amendments and disputes are finalized informed all inquiriers within the last 12 months. Put bluntly, the fax that the ChexSystems QualiFile score system does not even operate within its published bounds means that myself and probably thousands of other consumers are being unfairly denied a bank account due to a QualiFile score of XXXX being given to financial institutions that are unable to process a XXXX score value. Therefore, to ensure this does not damage me again, please adequately explain to me why my QualiFile score was presented as XXXX, once again outside the acceptable range, and inform me of what action you have taken to avoid the problem in the future.
04/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MN 55116	Web
Chexsystems took longer that 45 days to reply to my dispute. Once I noticed them that they have to delete the information they sent a reply for the dispute in with the same information provided before. They set a deadline and missed it. Per their website : " your dispute will be considered as received on the following business day. If you provide additional information or documentation relevant to the dispute while the investigation is pending, the investigation time frame may be extended by up to 15 days to give the source sufficient time for review. Once it is completed, XXXX will notify you of the results of the investigation by mail at the address you provide ''. 30 days plus 15 additional days were also past they resonponed on XXXX XXXX I disputed in late XXXX XXXX when I placed a security freeze on my report. I received a confirmation of the freeze and my PIN on XXXX XXXX XXXX and never heard back until XXXX XXXX XXXX two days after I filed a dispute against them and their reporting. In their packet your information was included. I mentioned I am going to report this as well. They can not just help banks out, this is not fair. I can not open a chekcing account due to errors and {$0.00} balance bank account reporting on XXXX Reference : XXXX XXXX XXXX XXXX XXXX
07/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77642	Web
XXXX XXXX XXXXXXXX closed my account ending in XXXX with an outstanding balance of XXXX which was paid in full by consumer on XX/XX/2022. I received faxed letter from XXXX XXXX XXXXXXXX that account paid in full. I was not notified in that letter that there was " Suspected Fraud Activity ''. Since there is no outstanding balance for account ending in XXXX, the issue is the notation of " Suspected Fraud Activity '' related to that account which Chex Systems and XXXX XXXX XXXX are reporting and therefore causing harm to me the consumer ( preventing me from opening any other bank account ). This " Suspected Fraud Activity '' notation totally contradicts the statement in XXXX XXXXXXXX XXXX 's response letter ( attached ; page 2 ) which states " Our records do not show any fraud claims being filed with XXXX XXXXXXXX XXXX against any transactions on the accounts reference above. '' XXXX XXXX XXXX submitted transactions which supported this statement. Why is the " Suspected Fraud Activity '' being reported which is causing harm to the consumer. This ongoing harm is a violation of my right to privacy as well as violating my other federal rights. Since XXXX XXXX XXXX has demonstrated that there are no transactions supporting fraudulent activity, the " Suspected Fraud Activity '' noted is an inaccurate description and must be deleted.
09/14/2022	Yes	Checking or savings account Checking account	Closing an account Can't close your account	NV 89052	Web	Older American
Several weeks ago I applied for a credit union checking/savings account which caused them to check my credit with Chxsystems. Chxsystems reported a problem with a XXXX XXXX account which had returned a check for {$1400.00} because it was fraudulent. My account was declined. I called Chxsystems to report that I don't have an account with that bank and am unaware of this transaction. They investigated and subsequently reported they removed the incorrect information however it is still being reported. Subsequently I received a notice from XXXX XXXX ( result of merger with XXXXXXXX XXXX in XXXX ) reporting this {$1400.00} transaction was " charged back '' + {$10.00} for handling and they included an image of the returned check with the return reason as altered/fictitious. The image is of what appears to be a check for {$1400.00} from the Treasury Department and it is noted to be an " Economic Impact Payment. '' I spoke with XXXX Bank who referred me to XXXX XXXX who referred me to some entity called XXXX XXXX Bank. Today, I received a second notice from XXXX XXXX for a charge back for {$4800.00} plus a {$10.00} handling fee for a check from XXXX XXXX XXXX. None of these banks would offer any assistance with how to close an account I never opened or how these fraudulent transactions can be removed from my credit report.
03/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60090	Web
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX To Whom It May Concern, My bank has informed me that there is negative information reported by XXXX XXXX XXXX included in the file ChexSystems maintains under my Social Security Number. Upon ordering a copy of the report, I see an entry from this bank listing OVERDRAFTS and a CHARGE OFF amount of {$960.00} on XX/XX/XXXX. My bank has informed me that there is negative information reported by XXXX XXXX XXXXXXXX included in the file ChexSystems maintains under my Social Security Number. Upon ordering a copy of the report, I see an entry from this bank listing SUSPECTED FRAUD ACTIVITY and a CHARGE OFF amount of {$17.00} on XX/XX/XXXX. I have sent out several letters which two of them were Certified and did get a response that those negative items belong to me also know as VERIFIED. Which is not true. I have been a victim of an identity theft and did file a police report with XXXX XXXX, IL police department as soon as I found out about it. Report number will be attached with the rest of the documents. I am respectfully asking banks mentioned above to immediately remove that negative information from my ChexSystems report and clear up this matter. As they have now violated federal law, by not properly investigating within the required time frame, and I have evidence of such.
11/15/2020	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	PA 19143	Web
I have recently reviewed my Chexsystems Report and was shocked to see that the reasons I am unable to open a personal and business account are because of a fraudulent account opened under my personal and private information. There is an Unpaid Balance of {$590.00} reported by XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX on XX/XX/2018, there is an Inquiry listed by this company as well reported on date XX/XX/2018 I DID NOT give this company permission to review my reports. The reported address for this account is XXXX XXXX XXXX XXXX, PA XXXX. I have NEVER gone into any business with this company, and I have NEVER lived at the reported address XXXX XXXX XXXX XXXX, PA XXXX. This account was fraudulently opened using my personal information, and an incorrect address that I have never resided or had any relations to. I have tried numerous times to have Chexsystem and XXXX XXXX remove this Fraudentlent account from my consumer reports, and each time both company 's responses are, that they verified the account as accurate. This account is not accurate, this account was opened under an address I have never resided. I am requesting that Chexsystem Immediately remove this Fraudulent account from my report, I am also requesting that XXXX XXXX remove this charge off amount and my personal data and information from their records.
08/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92104	Web
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Has Violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
04/12/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33023	Web
On XX/XX/2018, upon checking my bank account online I noticed I had three ( 3 ) overdraft fees of {$29.00} from XXXX. I called the XXXX XXXX number to ask why did put the checks through, now, three times. In the past, XXXX has notified XXXX will only put a check through two times and then send written communication to the consumer for payment and/or legal action. I was informed by a XXXX rep. when I called on XX/XX/2018, that they no longer collect return checks in-house and that the company Certegy now handles all of their return checks. I called Certegy and found out they were the ones who debited my checking account WITHOUT ANY WRITTEN NOTIFICTION/COMMUNIATION to me as the consumer at all. I could not provide a control number for the Certegy rep. on XX/XX/2018, as I NEVER received any written communication notifying Certegy was now handling the debt collection for XXXX. I was NEVER GIVEN the chance to pay my debt or set up arrangements to pay my debt. *CERTEGY DEBITED MY CHECKING ACCOUNT WITHOUT ANY WRITTEN NOTIFICATION AND/OR CALL AND WITH MY PERMISSION. Yes, I owe a DEBT, BUT THAT DOES NOT GIVE ANY COLLECTION AGENCY RIGHT TO DEBIT MY ACCOUNT WITHOUT PERMISSION, UPON TAKING OVER FOR ANOTHER COMPANY. Certegy 's actions caused my bank account to overdraft. This is not right and certainly not fair.
10/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	CA 94602	Web
I have been denied by ChexSystems multiple times in the last 2 years as I have tried to establish a bank account in my new state. I have never had this problem with any effort to establish a new bank account before. I have fine credit ratings and no red flags. The reason given is that my SS number was available for issuance before my birth date. However, the SS agency can only verify my SS status by providing evidence through my SS card. I went through the trouble of getting a new Social Security card to prove that my SS # has no problems, but there is no medium through which I can submit this to ChexSystems to dispute the denial. I have never had a problem with establishing new bank accounts or financial institutions in any way before - ChexSystems has incorrect information and internal errors ( obviously not based on any concerns at the SS office or any previous bank ) that have cost me many many hours of my time trying to rectify this information. ChexSystems has no customer service options - no person to talk to through their phone number, no chat, and no email to write. Fax is completely insufficient in this day and age. ChexSystems has also established some sort of monopoly with all banks, and so I have no options to avoid their erroneous information and claims by pursuing another service provider.
03/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA XXXXX	Web
I requested specific information from Chexsystems in order to resolve an issue with XXXX XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX XXXX President/CEO XXXX XXXX in XX/XX/XXXX via certified mailed as well as XXXX XXXX and Senior VP XXXX XXXX on XX/XX/XXXX. Both requests were not responded to. I would think they would be empathetic regarding the climate of our world right now and how everyone is struggling just to survive and a consumer does not just reach out for no reason unless they really needed assistance. I then reached out to Chexsystems in XXXX of 2020. What is suspicious and odd to me is to reach out to a financial institution on two occasions and not receive a response about information reported to a reporting agency such as Chexsystems and then that reporting agency does not properly investigate or fulfill my request. I sent my request on XX/XX/2020, I then track the item to see that Chexsystems must have received my letter on XX/XX/2020, yet on XX/XX/2020. Chexsystems generates a response to me stating they are investigating and will respond, however I never received any of the information that I requested. That is odd that both entities are taking a hands off approach when a consumer is reaching out for assistance. I also believe that Chexsystems is in violation for not researching my request.
09/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IN 46845	Web
On XX/XX/XXXX I made a purchase at XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, IN. In the process of checking out the sales clerk was having a problem getting our check out complete. We were paying by check # XXXX. The clerk couldn't complete the transaction on his machine and flipped us over to another. He completed transaction on machine # 2. Little did we know that XXXX double dipped on same check causing one to be returned. We received no phone calls from XXXX notifying us of any problem. Only to go the mailbox and find a notice from a collection agency. My wife went to the store with the letter and copy of check showing deposit in their bank. She wasn't given XXXX number in AZ. to call. She calls that number and they have no record of us making a purchase. Which when we made purchase we used our XXXX rewards card. So know we are told we have to call XXXX XXXX XXXX as they are the owner of our check. My complaint is we were notified of situation and having to do a lot of unnecessary paperwork. Then to compound matters I went to XXXX in XXXX XXXX to make a purchase. Their system is connected to XXXX and declined our payment, which was major embarrassment to my self. This whole matter could have been easily rectified if XXXX would have contacted us either by mail or by leaving a message on our answering machine.
05/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 748XX	Web
XXXX XXXX XXXX is reporting a fraudulent account opened on XX/XX/2019 to ChexSystems and verifying that disputed information is accurate, but has yet to provide me with the requested information that proves that I am the one who opened the account. In the information they provided, which consists of two bank statements, there are only returned mobile deposits and returned echecks. I have requested the signature card used to open this account and also the ID used. Neither pieces of information have been provided to me. The closure status status states " settled in full '', when I have never paid a dime to XXXX XXXX XXXX, or conducted any business with them. They have it reported for Suspected Fraud Activity, which I do agree with, but I am not the one who conducted the fraud or the opening of the account. If they are not able to provide me with the requested proof that shows I am the person who opened this account then it needs to stop being reported. They were provided with my FTC Identity Theft complaint, as well as the Dispute and request for validation of proof. Seeing as that they are unable or unwilling to provide any proof that I opened this account, other than my personal information was used via a mobile application, then this information needs to be removed and stopped being reported immediately.
03/04/2016	Yes	Credit reporting	Incorrect information on credit report Account status	WA 993XX	Web
In XXXX 2013, I became a XXXX. During this time, my daughter and I shared an account through XXXX. During XXXX of my " XXXX '' I deposited some Mailbox Coupons into the XXXX account as cash, I do n't even remember this happening : ( XXXX contacted me immediately and with the utmost embarrassment, I went into the local branch to clear up my mistake. I received a lecture from an account representative, paid the money that I owed, and had the account closed. I was assured that because I resolved it immediately there would be no repercussions other than the sheer embarrassment of the situation in front of town 's people and my daughter, I stopped XXXX. Here we are over 2 years later and I am working really hard to get my credit up and stick to a stringent budget. This is when I learn XXXX has reported " XXXX '' on XXXX/XXXX/13 and the closure status is " not reported. '' This is on my credit report, is keeping me from opening a bank account, and simply not right considering I was told there would not be anything reported in regards to banking or me. Granted I know I made a horrendous mistake and I tried to make amends as quickly as possible. I wish it had never happened but it did and I do n't think I should have to continue to pay for this error especially when I was told I would not have to over 2 years ago.
12/15/2017	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	MT 594XX	Web	Older American
XXXX XXXX, XXXX when shopping at a local XXXX store, my personal check was denied by the check verification service they use, Certegy Check Services. XXXX can not answer why the check was denied but prints out a little tiny piece of paper telling you to contact Certegy Check Services at XXXX for assistance. This number is an automated service wanting your bank routing number, bank account number, social security and drivers license numbers. You can not reach a representative using this number. Going to Certegy 's website, I found XXXX listed for customer service. The person I talked to wanted all the same info and proceeded to tell me nothing. They give you a total runaround and can not tell you why your check was denied. You get " could be '' risk factors but they do n't have access to what risk factors are, your check did not meet the standards in their risk modeling software, but again they have absolutely no answers or reasons for denial, they just keep repeating the same canned answer over and over. They can not tell you if you will be at risk for future check purchases or which businesses use their verification service. Certegy can not verify funds due to federal laws protecting consumers bank accounts, so why are they even allowed to be in business? What service are they really providing business?
08/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC XXXXX	Web
CHEX SYSTEMS IS IN SERIOUS VIOLATION OF MY CONSUMER RIGHTS, FEDERAL RIGHTS, AGGRAVATED. IDENTITY THEFT, AND THE TRUTH AND LENDING ACT. AS UPON LOOKING AT THIS FRAUDULENT CREDIT REPORT, THERE ARE SEVERAL ERRORS INCLUDING : MY PERSONAL INFORMATION SUCH AS NAME, ADDRESS, OHONE NUMBER, EMAIL ADDRESS ( WHICH SHOULDNT BE ON THE REPORT ), XXXX XXXX ( TWICE ), XXXX XXXX XXXX XXXX XXXX. ANYTHING FROM XXXX XXXX SHOULD NOT BE ON MY REPORT AT ALL. CHEX SYSTEMS IS IN VIOLATION OF 18 USC 1028 A - AGGRAVATED IDENTITY THEFT, 42 USC 408- ILLEGAL TO ASK FOR SSN, 12 USC 1431 - BANKS CAN NOT LEND MONEY BANKS ARE BORROWERS. SO HOW CAN I OWE ANYTHING ON TOP OF THE FRAUD AND IDENTITY THEFT? 15 USC 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ( WHAT PURPOSE DOES THIS HAVE? ), 15 USC 1602 - DEFINITIONS AND RULES OF CONSTRUCTION WE, I AM THE CREDITOR AND CONSUMER!, 15 USC 1681 SECTION 602 A SECTION 2 - A CONSUMING REPORTING AGENCY CAN NOT FURNISH ANY DATA ON ANY CONSUMER REPORT WITHOUT MY WRITTEN CONSENT NOT VERBAL, AND 15 USC 1681 SECTION ( A ) - RIGHT TO PRIVACY, 15 USC 1681C ( A ) ( 5 ) - NO CONSUMER REPORTING AGENCY MAY MAKE XXXX CONSUMER REPORT CONTAINED IN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY ADVERS ITEM OF INFORMATION. YOU MUST REMOVE ALL HARMFUL, NEGATIVE, DECEITFUL INFORMATION OFF OF THIS CHEX SYSTEMS REPORT.
07/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33126	Web
Ive contacted The Chex System more than one also contact the consumer reporting agency to get the issue resolved. XXXX XXXX XXXX Is reporting statements and addresses that are causing me serve distress preventing me of employment, banking and also defamation of character. It embarrassing to have such a statement written about me. Ive never committed any fraud with anyone nor do I owe any balance. Ive contacted XXXX XXXX XXXX multiple times asking for validation of this this so called account. Ive attached both what the Chex System has written about me and also the response of XXXX XXXX XXXX. They only send me Bank Statement that clearly has an address that doesn't belong to me nor am I associated with it. The Chex System removed this Account over a year ago than turn around months later and resubmitted it to there reporting system. XXXX XXXX XXXX is violation of 15 USC 1692 for reporting inaccurate information and also sending their logo via communications. The Chex System is also in violation of 15 USC 1692 for sharing my private information in which I never gave consent to and also sharing misleading and inaccurate information. attached is proof of my address, identity and also Exhibit A Chex System reporting wrong information Exhibit B XXXX XXXX XXXX proof of violation 15 USC 1692 ( B ) ( 2 )
05/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 90249	Web
Back when I was a college student in XXXX, XXXX XXXX XXXX reported me for " account abuse '' because of an overdraft. I subsequently paid the {$120.00} I owed and I was told by the branch manager that the account was " paid in full '' and that everything was " taken care of ''. Fast forward to XX/XX/XXXX when I tried to open a checking account at another bank, I was denied because XXXX XXXX XXXX was still reporting me for " account abuse ''. I am confused because five years ago in XXXX I paid the bank the {$120.00} I owed and they assured me everything was resolved. So I decided to dispute the Chexsystems entry based on its inaccuracy. Then when my mother tried to open a checking account at another bank, she was also denied because apparently XXXX XXXX XXXX switched my information with hers. Recently, we visited a local XXXX XXXX XXXX branch in order to try to get the mix-up rectified, but we were told that there was nothing the bank could do, and they instructed us to call customer service instead. This has caused a tremendous amount of confusion and distress for me and my mother. I want the Chexsystems entry deleted from both my records and my mother 's record as well. It is completely unfair that my mother can not open a new bank account because my information has been mixed up with hers.
05/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 90249	Web
Back when I was a college student in XXXX, XXXX XXXX XXXX reported me for " account abuse '' because of an overdraft. I subsequently paid the {$120.00} I owed and I was told by the branch manager that the account was " paid in full '' and that everything was " taken care of ''. Fast forward to XX/XX/XXXX when I tried to open a checking account at another bank, I was denied because XXXX XXXX XXXX was still reporting me for " account abuse ''. I am confused because five years ago in XXXX I paid the bank the {$120.00} I owed and they assured me everything was resolved. So I decided to dispute the Chexsystems entry based on its inaccuracy. Then when my mother tried to open a checking account at another bank, she was also denied because apparently XXXX XXXX XXXX switched my information with hers. Recently, we visited a local XXXX XXXX XXXX branch in order to try to get the mix-up rectified, but we were told that there was nothing the bank could do, and they instructed us to call customer service instead. This has caused a tremendous amount of confusion and distress for me and my mother. I want the Chexsystems entry deleted from both my records and my mother 's record as well. It is completely unfair that my mother can not open a new bank account because my information has been mixed up with hers.
09/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31324	Web
I XXXX XXXX am filing a complaint on XX/XX/XXXX for disclosing my information to multiple third parties such as Chex systems and XXXX XXXX who has put me and my wife on a strict checking account not allowing us to deposit anything from a mobile app or ATM, having very limited transfer abilities basically making me feel humiliated and embarrassed of the situation. They are in violation of : 15 US code 1681a # 2 A1 15 US code 1681a # 4 XXXXXXXX XXXX and XXXXXXXX XXXX and chexsystems is in violation of the Gramm Leech Bliley Act- they did not give me any opportunity to opt out from any information being disclosed, they also disclosed information without my consent to I have submitted a report from chexsystems with all the information. This situation has caused me much damage financially, not allowing me to open a bank account so i could acquire a vehicle loan for me and my family.not able to open up a account to cosign for my XXXX son. Fraudulent accounts were opened using my identity. Delete these fraudulent accounts from earning warning services, Chex system, XXXX. My social is XXXX date of birth XX/XX/XXXX Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX CLOSURE DATE XX/XX/XXXX XXXX XXXX XXXX CLOSURE DATE XX/XX/XXXX XXXXXXXX XXXX XXXX CLOSURE DATE XX/XX/XXXX
08/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	NY 10461	Web	Servicemember
I had applied for a Bank Account with XXXX XXXX XXXX XXXX. My application was then denied when I called to ask them why I was first told that my name came up on ChexSystems. I then ask what came up, and the customer service rep told me I would have to contact ChexSystems. I went to the ChexSystems website and was able to pull up my report from ChexSystems, and It had nothing on it. I then called XXXX XXXX XXXXXXXX XXXX and spoke to a rep named XXXX. I explained to her the situation and asked what was on the report they received because I don't see it on the report I pulled up online. She couldn't give me the information and stated that I would have to file another application If I believed a mistake was made. I then ask to speak to a supervisor, and that one would call me back. I later revived a call from XXXX XXXX XXXX, Second Vice President, Online & Mobile Banking Customer Service Supervisor , Online & Mobile Banking, XXXX XXXX XXXXXXXX XXXX XXXX XXXX She informed me over the phone that ChexSystems had reflagged my address stating it was non-residential and comes back to a homeless shelter. I informed her that the information is false, and she told me to contact ChexSystems. When I contacted ChexSystems they denied providing any other information than what I was able to download from the site.
03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY XXXXX	Web
It has come to attention that there are reports of fraudulent consumer reports being disseminated, containing invalid and incorrect information that violates an individual 's rights to privacy. Such reports may include sensitive and private information that has been inaccurately reported, misrepresented, or deliberately falsified, and which could potentially harm an individual 's reputation, financial standing, or other important aspects of their personal or professional life. This activity is in violation of various laws and codes that protect individuals ' rights to privacy, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the General Data Protection Regulation ( GDPR ). Under these laws, individuals have the right to access and dispute inaccurate or incomplete information in their consumer reports, and consumer reporting agencies have a legal obligation to ensure the accuracy and privacy of such information. Therefore, any dissemination of fraudulent consumer reports that contain invalid and incorrect information is considered a serious offense and may result in legal action, including civil and criminal penalties. It is important to report any such activity to the appropriate authorities and take steps to protect one 's rights to privacy and personal information.
06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 070XX	Web
My NAME is XXXX XXXX XXXX. Please DELETE all other names as they do not belong to me. The following addresses do NOT belong to me, please delete them ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Also please delete the following inquiries that do NOT belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30331	Web
I have an issue with XXXX XXXX/ consumer relations acknowledging information reported erroneously on my file. I disputed the following acct ; XXXX XXXX XXXX account number ending # XXXX back in XX/XX/2019. The account was showing a negative balance. After disputing the account with XXXX XXXX, the account now reads paid in full. I disputed the account as inaccurate, I never owed XXXX XXXX XXXX any financial compensation. I explained this issue to XXXX XXXX, However, the account is still showing on my report. I have been unable to obtain a new bank account due to the false reporting on my file. I recently receive letter from XXXX XXXX XXXX which excludes from this account. I forward the letter to XXXX XXXX earlier XX/XX/2019. The letter indicates that the account should be removed from my file. I never paid XXXX XXXX XXXX, because I never owed them any money. Ironically, the account now reads paid in full after I disputed with XXXX XXXX.I have enclose a copy of the document receive from XXXX XXXX XXXX dated XX/XX/2019 for the removal of this account. I am reaching out to the Consumer Financial Protection Bureau to assist me in getting this matter resolve. I have not been able to open a checking account due to XXXX XXXX allowing this false and erroneous information to remain on my file.
03/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30082	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXXXXXX has illegally reported fraudulent reports to bureaus in different states that Im not responsible for. Fraudulent activity has occurred and has been charged off without verying the debt. XXXX XXXX is reporting inaccurate payments on a closed account. This account negatively showing when its closed
05/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32250	Web
Upon trying to open a checking account on XX/XX/19 I became aware that XXXX XXXX has an account on my report, or somewhere in their system, of someone with a completely different name than me opening an account at XXXX XXXX XXXX XXXX. This discrepancy caused my application to be rejected. I ordered a report from XXXX that day because I was told by a XXXX employee that this was the only way I could talk with someone that could help me resolve the error. I received the report about two weeks later. I could not find any mention of the erroneous account on my copy of the report, so I called the XXXX phone number on the report. The person I spoke with said they could see the XXXX XXXX XXXX XXXX account with my social and a different name, and that I would need to fax my social security card to them to prove I'm me. I do not want to do this. I do not trust them. I do not have very convenient access to a fax machine. Lastly, I do not want to do their job for them. I have had difficulty contacting and communicating with XXXX. They have been an awful and difficult company to deal with. It is clear to me that I am just cattle to them and not their customer. It would seem to be a simple, common sense matter for their database to flag or not allow two different names to be attached to one social.
02/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IN 46235	Web
Consumer ID # XXXX In my previous dispute with this XXXX dated XX/XX/2019. XXXX has failed to provide a method of investigation as requested. CFPB complaint # XXXX XXXX failed to respond to my method of investigation. Futhermore, as a company holing a report under my name, XXXX tried to push the burden of proof to me. How lazy and irresponsible of XXXX to have me try to verify the information they are reporting, IT IS YOUR JOB XXXX!!!!!!!! not mine. -Still have yet to receive a method of invesigation -Still have yet to get any relief on the issues requested in this dispute -XXXX has failed to fulfill their responsibility and tried to push the burden on me. - Multiple FCRA violations Furthermore XXXX has failed to correct/remove/verify/show method of investigation for anything I listed tint the previous dispute. This company is willfully not complying with FCRA Once again, attached is all items that had been previously disputed and a method of investigation/verification had been requested in Cpfb complaint XXXX. I have the utmost confidence in XXXX ignoring/ brshing me off as well as, not complying with standards set forth in an industry they chose to be in. XXXX needs to do a better job at DOING THEIR JOB and stop trying to push their responsibility back to the consumer.
07/10/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MN 554XX	Web
Chex Systems , Inc., is giving financial institutions secret reports and informing financial institutions not to open up a checking account for me due to me having previously reported fraudulent checking accounts from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX listed on my consumer report and upon sending a police report and proper documentation, the fraudulent checking accounts was removed from my Chex System Consumer Report. But Chex Systems is secretly informing banks and financial institutions not to open up a checking account for me due to the previously fraudulent checking accounts listed on my consumer report, even though Chex Systems sent me a copy of my consumer report with no negative information reported on my consumer report and informed me, I should n't have a problem opening up a checking account. A few days ago, I went to XXXX XXXX and XXXX XXXX XXXX and was informed by representatives from both banks, that they could n't open up a checking account for me because because the inquiry they got from Chex Systems, informed them not to open up a checking account for me due to previously fraudulent checking accounts listed on and removed from my consumer report. Furthermore, Chex Systems is reporting my physical and mailing addresses as errors and non-existent.
01/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30228	Web
Went to XXXX XXXX XXXX to open checking account ( s ) in 2017. I requested to open 2 checking accounts for 2 different types of employment. Instead of explaining to me that I could or couldn't open 2 checking accounts, personnel in the branch groped my personal information from me and brought back to me a checking and savings account. After leaving and performing 2 or 3 test transactions to the accounts, I learned it wasn't 2 checking accounts that were opened. XXXX XXXX XXXX stole my personal info and over 5 months later behind my back reported me to chexsystems that I had committed fraud. Chexsystems then sided with the fraudulent bank branch and put my name in chexsystems for " suspected fraud '' after I emailed them photos of paperwork from XXXX XXXX XXXX showing the 2 or 3 test transactions of {$0.00} monetary loss. This kept me from being approved to open a simple bank account with several different banks. There was no fraud in using {$50.00} to simply open 2 separate accounts. This problem has persisted, chexsystems continues to hold my name on file for " suspected fraud '' with no proof or showing of any fraud. This was identity theft by both institutions working to commit a hate crime and use branch power to hide their activity. There is NO evidence of fraud by me.
12/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60438	Web
Dear ChexSystems Consumer ID XXXX My bank has informed me that there is negative information reported by XXXX XXXX included in the file Chexsystems maintains under ( XXXX ). Upon ordering a copy of the report, I see an entry from this bank listing a NON-SUFFICIENT FUNDS of {$270.00} I do not recall having a debit card from this bank in XX/XX/XXXX. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this " debit card '' bearing my consumer wet-ink signature or E-signature stating my IP Address with Session, Time Stamp and Browser. In the absence of any such documentation stated above I ask that this information be immediately deleted from the file you maintain under my Social Security number. PLEASE REMOVE THE FOLLOWING INQUIRIES : You shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX i have no affiliation whatsoever with these addresses please delete immediately 1. XXXX XXXX XXXX XXXX XXXX, IA XXXX2. XXXX XXXX XXXX XXXX, IL XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Best Regard XXXX XXXX
08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	IL 60621	Web
I recently had my Name placed on the XXXX XXXX list for Fraud by XXXX XXXX XXXX, for years I have been battling Identity theft. Each time I open an account with my information its get closed because they person that stole my information is able to get into all of my stuff, I recently had that same person hack my email so any information I get or any identity theft protection I use. the theif is able to get into my email and unblock any attempts I use to keep my stuff from being used. now that my social is all burned up I can't open any account in my name. I have been placed into Chex Systems and XXXX XXXX because of this and I'm left fighting to get my life back after the low-life that stole my information is done ruining things for me. it is extremely upsetting because no matter how many reports or complaints I make. the Authorites just keep telling me that they don't have enough information to go on. I just want my life back, I want to open a normal bank account without having to get my checks direct deposited to XXXX XXXX which is hacked every other week. This is nerve wrecking. criminals get away with this XXXX ( excuse my Language while hard working people like myself are left trying to repair the damages. I NEED HELP, I WANT MY LIFE BACK WITH A STABLE BANK ACCOUNT.
06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77450	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
01/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	AZ 85286	Web
I recently spoke with XXXX in consumer relations department team and she didn't really want to help me with verifying the current inaccurate reporting ( per 15 usc 1602 your required to do that with my written consent ) you guys have furnished on my chexsystems report. the following accounts are inaccurate and against my rights as a consumer the fdcpa states you need written consent to furnish anything on my consumer report I demand to have the following accounts removed immediately XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Missouri XXXX, The Following addresses are also inaccurate and have ruin my reputation as a consumer XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, az XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX the following address are all inaccurate or erenous and unverified my current address which also the following name I provided my current address already as well which is XXXX XXXX XXXX XXXX XXXX , Az XXXX or XXXX XXXX XXXX XXXX XXXX. this has been an infringement upon my rights and has caused me major distress on me as a consumer. I hope that you can assist in regards to this issue that been brought to hand I have been trying to get this resolved since XX/XX/XXXX.
07/10/2023	Yes	Checking or savings account Other banking product or service	Opening an account Unable to open an account	IA 526XX	Web
ChexSystems had no option to correspond yet I keep getting emails about corresponding. The link provided takes me to the front page of their website. There is no account options for a individual to open in order to receive direct correspondence. I am being denied XXXX opening a bank accountdue to my credit report allegedly. I requested my report. And there is ABSOLUTELY NOTHING IN MY REPORT HISTORY IN REGARDS TO OPENING A BANK ACCOUNT EXCEPT THE XXXX XXXX OVERDRAFT CHARGE OF {$130.00} THAT I HAVE ALREADY FILED COMPLAINT ABOUT TO CFPB. REFERENCE TO MY COMPLAINT HISTORY. XXXX XXXX FRAUDULENTLY ALLOWED UNSURPRISED TRANSACTIONS ON A ACCOUNT THAT HAD INSUFFICIENT FUNDING. PLEASE REMOVE THE XXXX XXXX OVER DRAFT FEE THAT IS ABSOLUTELY ILLEGAL AND REMOVE THIS DEROGATORY MARK FROM MY CREDIT REPORT CREDIT REPORTING THAT IS VALIDATION FOR CHECK CASHING ABILITIES, EMPLOYMENT ( although I have NEVER had my employment history reporting reviewed for potential employers ONLY CRIMINAL HISTORY LOL ) and never has my CREDIT REPORT AFFECTED MY CHECK CASHING ABILITIES OR OPENING A BANK ACCOUNT. IM NOT WRITING THE CHECK, WHY DID MY CREDIT HISTORY EVEN BE REGARDED? WHY IS MY CREDIT HISTORY BRING REGARDED FORT OPENING A BANK ACCOUNT?? HOW DOES DEBT COLLECTION REGULATE A BANK ACCOUNT?!
08/16/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NJ 07050	Web
THIS IS THE XXXX TIME THAT I HAVE HAD this is in response to clarify in simpler terms what my dispute with Chex-System is about. I requested Chex-System to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED AT:XXXX, XXXX XXXXXXXX XXXX , XXXX XXXXXXXX XXXX , XXXX XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX , XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) I AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXXSTATE OF ISSUANCE : XXXXI have also attached the police Report that I have filed here is XXXX, XXXX I will forward you the original version of the police report when I receive it on XXXX/XXXX/15. I have filed for ID Theft protection because there is no way I can leave in XXXX different states a XXXX time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. Thank you, XXXX XXXX
07/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	FL 33169	Web
The company Chexsystem violated multiple FCRA laws including accuracy, fairness, and permissible purpose. Chexsystem stated that they verified the accounts and stated that the information was accurate. How did Cheksystem verify the accounts were accurate if I the consumer never received any notice from Chexsystem verifying if these accounts were mines? 2nd reason the account numbers are not fully showen as you see I the consumer marked in my consumer report as proof. incomplete and inaccurate report so how do I the consumer know if these account numbers that are not fully displayed are mines? 3rd reason is that I the consumer never authorized Chexsystem to report any transactions to my consumer report. Accounts XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX disclaimer Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. FCRA Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies
01/11/2024	Yes	Checking or savings account Other banking product or service	Opening an account Unable to open an account	NC 27360	Web
This is the second complaint against Chexsystems because they refuse to respond or answer my complaint. I have been turned down for bank accounts and I DO NOT KNOW WHY. When I pull their consumer report, it says " no information found ''. When I made SEVERAL calls to Chexsystems, not only did I have to deal with people overseas who barely speak XXXX, but they also said they can not tell me WHO is reporting me. If this is YOUR REPORT FROM YOUR COMPANY, YOU SHOULD BE ABLE TO TELL ME WHO IS REPORTING THE INFORMATION. Do not tell me that you have NO INFORMATION AGAINST ME if you are the agency that reports the information from banks and credit unions. You have a responsibility to FIND the information that you are reporting AGAINST ME. I am going to give Chexsystems 30 days to rectify this-either by removing my name from their system and the derogatory information or providing me with the company who is reporting the information. If not, I will be seeking legal representation against Chexsystems. They have 30 days FROM TODAY XX/XX/24 to furnish me the requested information. I have provided a copy of this letter to my attorney. We will sue if this isn't fixed within this time frame. I am reaching out to the CFPB as well and filing a complaint to them as well.
08/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95945	Web
To whom this may concern, This is a follow-up to my previous complaints regarding abusive behavior by credit bureaus that have left me unbanked and underbanked. I am writing specifically again XXXX and their XXXX score system which is unfairly denying me a bank account and not properly functioning ( based off the attached document XXXX states my XXXX score is 0, which is outside of the acceptable ranges ). To resolve this situation, I would like XXXX and XXXX to immediately remedy their system problems so that my XXXX score is not shown as 0, send a copy of the credit report and XXXX score to my at my address, and once all amendments and disputes are finalized informed all inquiriers within the last 12 months. Put bluntly, the fax that the XXXX XXXX score system does not even operate within its published bounds means that myself and probably thousands of other consumers are being unfairly denied a bank account due to a XXXX score of 0 being given to financial institutions that are unable to process a 0 score value. Therefore, to ensure this does not damage me again, please adequately explain to me why my XXXX score was presented as 0, once again outside the acceptable range, and inform me of what action you have taken to avoid the problem in the future.
04/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 300XX	Web
I filed a XXXX XXXX XXXX complaint against XXXX XXXX XXXX on XX/XX/2018. I disputed these accounts through Chexsystems and XXXX XXXX XXXX. The accounts came back " verified '' with no attach proof. My filing with the XXXX resulted in XXXX XXXX XXXX producing paperwork of transactions that went on with these accounts. That is not what I requested. I specifically asked on the first line of my complaints for copy of the signatures used to open these accounts so I could compare them to my own. I have never opened accounts without providing my signature and my ID. So, XXXX XXXX XXXX has completed ignored that request and produced a stack of irrelevant papers containing account transactions and refused to delete their damaging and incorrect reporting. According to the documents it seems no money is owed to XXXX XXXX XXXX, but they have listed fraud next to my name in reports with XXXX XXXX XXXX and Chexsystems. If they are suspecting fraud, they should have no problems complying with my demand for validation of signatures and IDs used to open these accounts. I have a right to know whether or not they collected valid identifying information. It seems they are dancing around this and opened these account for someone and did not collect validating documentation.
10/22/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	PA 19013	Web
Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX \| XXXX : XX/XX/XXXX Consumer ID : XXXX XXXX XXXX ChexSystems , Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MN XXXX To Whom It May Concern : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a ChexSystems report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. Please verify the following account or remove it immediately. EXAMPLE 1 : Account Closed by Bank Source of Information : Insert source from your report Reported For : Insert issue from your report EXAMPLE 2 : Unpaid Check Payee : Insert Merchant Name Amount of Check : Insert Amount of Check Sincerely, Your Name
02/15/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	ME XXXXX	Web	Servicemember
I had account with a credit union. The direct deposit from the VA was not properly routed. Deposits were made in cash, at a local credit union branch. On XXXX XXXX, 2016, payments were made via bill pay. Some payments cleared, while others were returned, some payments were returned multiple times. This in turn caused over XXXX dollars in bank fees. Unknownst to me at that time, some utility payments, as well as credit cards payments were returned by the bill payment provider. These payments were coded to appear as if it was myself who refused these payments, therefore causing 30 day lates to appear on my credit files. Also, I have had a utility terminated due to this, as well as another utility suspended. I contacted my former credit union, to receive a contact number for this bill payment service. Upon contacting this company, the call suddenly terminates without my speaking to anyone in regards to this matter. Never have I had a bill payment service approve payments while there are insufficient funds in one 's account. Also, this company has not mailed me at the address on file with the credit union, in regards to this matter. The credit union did reverse the fees in regards to this matter. I also closed my account with the credit union, due to this.
04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	WI 54304	Web	Older American
Complaint against ChexSystems. I was notified by two financial institutions that there was a fraudulent attempt to open a deposit account in my name. I placed a Fraud Alert with ChexSystems. I subsequently attempted to obtain a copy of my ChexSystems report on line. After two failed attempts I called the number proved to talk to customer service. The number published by ChexSystems does not provide customer service. I called two different numbers listed by ChexSystems and was advised the number was only applicable to activating their monitoring product. They had no idea how I could speak with a customer service representative regarding my report. I downloaded the ChexSystems Request form to obtain my report. and mailed it to the address provided on the form. I received a response on XX/XX/XXXX, XXXX which was merely disclosures and a security alert request form. I did not receive the requested report. This unfair and deceptive in that ChexSystems customer service numbers, XXXX and XXXX, do not connect you with a customer service representative that can answer questions and submission of the report request form does not result in providing such form. I have attempted to attach a copy of the request form and response, but they exceeded the memory limit.
01/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I reviewed my Chex Systems Consumer Report # XXXX and theres fraudulent and unauthorized credit inquiries listed on my consumer report. The following inquiries viewed by others are fraudulent and unauthorized : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, CXXXX XXXX XXXX XXXX XXXX XXXX account that was closed on XX/XX/XXXX and charged off for {$5200.00} is not my account and its a fraudulent account. I never had a checking account closed with no bank, so I should not have a DDA Closure Payment History on my Chex Systems Consumer Report. I am a victim of identity theft and has a current police report on file with Chex Systems. I been a victim of identity theft for over 25 years. All the credit inquiries and bank account listed is fraudulent and is the result of identity theft.
10/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	CA 94501	Web
I applied for a credit union account with XXXX. As part of their approval process, they outsource their approval process to XXXX XXXX. I have a transunion credit score of XXXX or EXCELLENT. I was rejected the account based on data from XXXX XXXX. XXXX referred me to Chex Systems for more information. I spoke with XXXX XXXX who REFUSED to tell me why my application was rejected. I am XXXX years old. I have several bank accounts, am financially secure and have NEVER been decline for any bank, credit card, etc. I was told I would need to put in a formal request for the reason and it would take 5 BUSINESS DAYS after that submission for XXXX XXXX to MAIL the information to me. This " company '' refuses a strong applicant then won't tell the applicant the reason and MAKE THE APPLICANT WAIT two weeks? This is ridiculous. The government needs to pull their license. They have told the bank to reject me but refuse to tell me why. PLUS there is no legitimate reason to reject me. The government needs to stop this company from destroying other citizen 's financial records. I asked to speak to a manager and XXXX refused to transfer me. She told me to talk to the credit union. I spoke to the credit union and they have no details as to why I was rejected.
03/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53092	Web
An account with XXXX was opened by a family member without my authorization. This family member had access to all of my financial and personal information. I worked closely with XXXX XXXX, the CFPB, the FTC, the 3 main credit bureaus and XXXX XXXX XXXX ( the collection agency that bought the account ) FOR MANY MONTHS to resolve the account. The creditor, the collection agency concluded the account was a result of identity theft and thus all collection activity stopped. After further review, the charges with XXXX XXXX were a result of unauthorized payments made to the fraudulent account with XXXX. As evidence of my claims please review the attached documents. As the CEO of an investment and acquisition conglomerate, I do not have the luxury of time for this matter to be corrected. The erroneous entry on my credit report is interfering with my ability to fulfill my role with my employer and thus threatening my job stability. A core function of my job is to secure financing for the corporation 's acquisitions. This often requires a personal guarantee. Recently, a denial of access to a necessary bank account has transpired due to this erroneous entry. I am currently losing bonuses due to my inability to gain access to the account with XXXX XXXX
02/01/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	WA 98335	Web
I own a small business, and we were using XXXX XXXX XXXX XXXX XXXX for processing credit cards. Last year, we closed the business and cancelled their services. However, despite this cancellation and no transactions being processed, they have continued to charge us merchant fees every single month, totaling hundreds of dollars. We have called repeatedly to cancel and be refunded, and it just never happens. They will take our complaints, claim that they are cancelling the account and submitting our reimbursement request, and then nothing happens. Sometimes we get an email confirmation of the interaction, sometimes we don't. Most recently they have at least created a paper trail for which we have case reference numbers, but we're still getting charged. They've of course conveniently forgotten that we have been trying to cancel since XXXX of 2021. I have heard similar stories from other business owners. They are defrauding customers and just make it impossible to cancel. I don't want to have to close my bank account to stop the charges, but it seems this may be my only resort. And, I want to be refunded the $ XXXX taken over the last months. Our point-of-sale system has even cut ties with them because of the number of businesses having trouble.
07/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89129	Web	Servicemember
CHEXSYSTEMS has been acting abusive towards my right to privacy and my identity. They have taken my private information and created a record of account with the information attached to a social security number that is not owned by me, it is owned by the Social Security Administration and its also the United States obligation as defined by 18 USC 8. I am the consumer and administer of the account. I do not own it. I told them the debt and all the negative inquiries are to be removed immediately as they are violating my consumer rights and Civil Rights by unlawfully and untruthfully giving misleading information without my consent or signature for fee. I called them up on the phone and i asked to see what proof they have that i consented to my information being shared too any third party pursuant to 15 USC 1681B ( a ) ( 2 ). The sales support laughed and said he was not sure. I would like the CFPB to HELP me get CHEXSYSTEMS to send me a signed affidavit that i the consumer gave my consent to furnish any report and violate my civil rights, 42 USC 1983, as this is a complete misrepresentation of facts. I do not validate any of the negative information on my report nor do i consent to CHEXSYSTEMS furnishing such information to third parties.
04/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60107	Web
I requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS Violated MY 15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages all violations to XXXX XXXX compliance i Demsnd : - Original Contract - Creditor info - Payment History - Requesting for documentation that gives me the options to opt out to a non affiliated third party prior to them reporting it 15 USC 6802
12/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 305XX	Web
Date : XX/XX/22, I sent them a letter heres my tracking number. XXXX to Chexsystem. 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. This is harming my ability to obtain checking accounts and credit. Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that you immediately delete this information from my checking account reports. This company did not process my dispute when I sent this with tracking.
11/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	SC 29715	Web
FCRA section 605B is very cleaner on how a CRA is supposed to act. Chex systems very specifically is breaking the law, on how identity theft reports are supposed to be formatted. The FTC has a specific form for identity theft that is compiled on identity theft laws. Chex systems feels they can add new items that the identity theft forms must contain, ie. signed manually and not electronically. I specifically went to the XXXX County sheriff 's department and their clerk certified, notarized and signed the police report that I had gotten from the FTC. This did not suffice and so I sent in the signature of the woman that is the head of the identity theft unit. This still did not suffice. Me the victim has to do more work because they rewrite Congress 's laws illegally and then I have to perform more duties. I now had the senior deputy of the sheriff 's department of XXXX County and he signed it and put his badge number and his phone number on my police report and I am including that in this filing. Check systems needs to be stopped because they are making the victum more of a victim because of their unlawful and the illegal changing of the law and their policies. They have to have their policies comply with the law not change the law.
11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23452	Web
On XX/XX/2023 XXXX, submitted a dispute with ChexSystems, asking them to investigate and remove these accounts from my report. ( See accounts Below ) XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, VA XXXX Phone Number : XXXX Amount : {$300.00} XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX,, XXXX XXXX, TX XXXX Phone Number : XXXX Amount : {$530.00} XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Number : XXXX Amount : {$570.00} ChexSystems has refused to investigate this matter pursuant to the FCRA LAW. ChexSystems has failed to investigate my dispute violating the law and refuses the remove these unauthorized accounts, and after citing federal law, chooses to ignore and violate these laws : 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681b - Permissible purposes of consumer reports 18 U.S. Code 1028A ( c ) ( 8 ) Aggravated identity theft section 523 of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6823 ) ( relating to obtaining customer information by false pretenses. Should you decide to discriminate against me you will be in violation of 15 U.S.C. 1691 ( a ) ( 3 ) of the Equal opportunity Act.
01/16/2018	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	TX 76179	Web
BACK IN XXXX/2017 I SENT COMPLAINTS TO CHEX SYSTEMS CONCERNING ACCOUNTS THAT WERE INCLUDED IN MY BANKRUPTCY AND COMPLAINTS TO ALL THE BANKING INSTITUTIONS CONCERNING MATTERS THAT WERE REFLECTING AS AN OPEN COLLECTIONS UNDER MY NAME WITH CHEX SYSTEMS. I RECEIVED A RESPONSE FROM ALL THE FINANCIAL INSTITUTIONS STATING THAT THESE ACCOUNTS WOULD BE REMOVED FROM CHEX SYSYTEMS. TO DATE CHEX SYSTEMS HAS NOT REMOVED THESE ITEMS AND THESE COMPLAINTS WENT THROUGH THE CFPB BECAUSE CHEX SYSTEMS REFUSED DELETE THESE COLLECTION ITEMS FROM THEIR FILES. PLEASE FIND THE FOLLOWING COMPLAINTS NUMBERS : XXXX CHEX SYSTEMS XXXX CHEX SYSTEMS XXXX XXXX XXXX XXXX CHEX SYSTEMS , INC . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHEX SYSTEMS , INC . XXXX XXXX XXXX XXXX XXXX XXXX XXXX I RECEIVED RESPONSE FROM A BANK INSTITUTION THAT MY SCORE IS VERY LOW WITH CHEX SYSTEMS DUE TO THE FOLLOWING : Chex Systems Consumer Score : XXXX Scores range from a low of XXXX to a high of XXXX. Key factors that adversely affected your credit score : XXXX PREVIOUS DEBIT INQUIRY HISTORY XXXX CREDIT ACTIVITY : EXCESSIVE RECENT INSTALLMENT TRADES XXXX REPORTED DEBIT CLOSURE XXXX DELINQUENT OR DEROG CREDIT BEHAVIOR XXXX CREDIT AND CHEX INQS MAY HAVE ADVERSELY IMPACTED THE SCORE
08/22/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NJ 07050	Web
I HAVE INCLUDED THE POLICE REPORT AS WELL. THIS IS THE FOURTH TIME THAT I HAVE HAD this is in response to clarify in simpler terms what my dispute with Chex-System is about. I requested Chex-System to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED AT:XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) I AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXXSTATE OF ISSUANCE : XXXXI have also attached the police Report that I have filed here is XXXX I will forward you the original version of the police report when I receive it on XXXX/XXXX/15. I have filed for ID Theft protection because there is no way I can leave in XXXX different states a XXXX time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. Thank you, XXXX XXXX
02/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 20747	Web
Chex Systems , Inc, XXXX XXXX dba XXXX XXXX XXXX XXXX accessed my consumer file without authorization or consent ( my personal consumer files are frozen with fraud alerts ) .I received no phone call to verify my identity as listed on report. I hold a joint account and one business account with XXXX XXXX since XX/XX/XXXX. XXXXr XXXX refused to release copy of the consumer report obtained with my personal information attached to business member application with unintentional error. Company information was updated XX/XX/XXXX. Based on consumer reporting obtained through an unauthorized 3rd party, XXXX XXXX XXXX XXXX dba XXXX XXXX adversely affected my creditworthiness and trust with their financial institution in all business matters. I am a XXXX member and their acts were malicious, misleading, and cruel. Every month over the last 90+ days XXXX XXXX XXXX and XXXX/XXXX play with my consumer file as if I am an adolescent there is either additional erroneous conflicting information added and/or updated for dispute than they will update each credit XXXX XXXX XXXX and XXXX/XXXX one day apart either 2 or 3 times each month to stagnate my credit lowering the 100 points XX/XX/XXXX to present for accounts either settled or closed
02/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IA 523XX	Web
In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ). According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : Self-Employed Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.
09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75150	Web
my personal information was used without my permission to open fraudulent bank accounts and bank inquiries. I have contacted the consumer financial protection bureau, police department, and consumer banking reporting agencies XXXX XXXX XXXX, Chexsystems Inc, and XXXX XXXX to notify them of the unauthorized activity that needs to removed per federal law FCRA 609. Chexsystems consumer ID XXXX XXXX XXXX consumer ID XXXX 2 fraudulent bank accounts : XXXX XXXX opened XX/XX/XXXX account number XXXX XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX 20 fraudulent bank account inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	IL 62025	Web
Check system has repeatedly done little tricks to change my password and keep me locked out of the account to give me the verify whatever they're trying to give me the verify this is becoming discrimination I called you in a few minutes a second ago and they told me that I needed to give my consumer portal twice two or three times a week and I don't understand that when they just sent me correspondence if every day for the last 4 days telling me to check your correspondence and log into the portal so you can see what we are response was and if I don't understand why they send me that and then tell me I can't check it then why use it ad a point of communication.p they're about they've also made it very difficult for me login by changing my password and trying to give me to lock my own account so that they can call I have to call them to verify whatever it is that we're fine I took screenshots of this so as proof I tried to log in the first time and they sent me to a screen that I did not set that email and have no ideal who I COULD Email it was Then 5 minutes later I try to log in again under private browser it takes me to my correct email address that I set up this is not an accident this is them playing games
05/21/2015	Yes	Credit reporting	Credit monitoring or identity protection Problem cancelling or closing account	CA XXXXX	Web
I filed several times before complaints against " XXXX '', " XXXX '', " XXXX '', " ChexSystems '', because ; 1 ) They refused to send me my " Free Annual Credit Report '' claiming that they ca n't match my personal info, but at the next page of their website they offer me my Credit report for a Fee {$7.00} ; 2 ) They refused to investigate Frivolous items in my Credit Report. Obviously CFPB did n't took any action against them so " XXXX '', " XXXX '', " XXXX '' decided to take a Revenge against me by Re-age on XXXX a XXXX deleted Frivolous item, XXXX XXXX XXXX account # XXXX amount {$9700.00} which reduced my SCORE by XXXX points. Also " ChexSystems '' because they refused to investigate and delete XXXX Frivolous Bank claims ; a ) XXXX XXXX account # XXXX i closed it on XXXX, b ) XXXX account # XXXX i closed it on XXXX, both had XXXX balance at the time of closing them. As a result i ca n't open a new checking account with any Bank. My question to CFPB is why Proven Fraudulent Companies like them are allowed to Terrorize and creating problems to consumers in many different ways with Immunity ; Is it because they are allowed to do business by Bribing Politicians or because Corporations are Governing America???
10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	MI 497XX	Web
Inquirer : MICHIGAN XXXX XXXX. XXXX XXXX. Inquiry Date : XX/XX/2023 Inquirer : XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Investigation into these fraudulent inquiries came back as verified instead of being removed from my report. According to 15 USC 1681i ( 5 ) the consumer reporting companies have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the consumer reporting companies do not have written permission. According to 15 USC 1681 I have the right to privacy. According to 15 U.S.C 1681 the consumer reporting companies can not furnish an account without my written permission According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting company if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
11/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 117XX	Web
chex system is reporting incorrect infomation under my file i had disputed the infromation in my file from XXXX XXXX and XXXX XXXX XXXX they did there investigation and completed it and the banks can not provide anything making the accounts mine expect for one account and the address is not correct either and there reporting it as accurate i called chex systems asking them why they are still reporting the information when they have nothing making these accounts mine XXXX XXXX XXXX can not provide anything on either accounts and XXXX XXXX can not provide anything for one account and the other one is not the correct address i also trying removing address and they will not remove them becauswe what XXXX XXXX states but what they have claiming the account is mine and there proof is not whats being reported to chex systems and also they wont remove it because of an inquiry from XXXX XXXX XXXX XXXX that i never had an account with them and dont recalling tryimng to get an account with them. this is very damaging to me as i can not get a checking account anywhere and they will not remove all this negative information and are still reporting it when they have not been give anytning making it mine please help me
04/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	AZ 85326	Web
I talked with XXXX XXXX XXXX on XX/XX/2018 many times that day was put on hold and moved from dept to dept. I got my chexsystem report and seen that they reported the amounts that i owe but then put SUSPECTED FRAUD on the report and that has stopped me from getting a checking act.. I told the agent the act was open and was never closed for Fraud i just got on hard times and could not pay the act off that i was overdrawn in. She sent me over to rick management because she said the acts where in that dept. Then risk management told me that the acts where never in that dept and they are in collections. She told me that she does not know why the acts would have been maked suspected fraud and sent me back over. The lady on the phone told me that she will call chexsystem 's and tell them what happen but she just sent me over to chexsystem 's and ended the call. I have been dealing with chexsystems to get this removed off my report but have not got any info from them as to why it was reported as suspected fraud. I know i owe XXXX XXXX XXXX money and i have offered to pay off all the acts if they will just remove the remark suspected fraud off my report. I have sent many letters and never got back to me.
06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33161	Web
I want to bring to your attention that the XXXX account in question has already been charged off and resolved. I have fulfilled my obligations by making necessary payments to settle the debt, and the account is no longer active. It is crucial to note that the reporting of account abuse is misleading and damaging to my creditworthiness. I respectfully request a thorough investigation into this matter and request that ChexSystems provide evidence supporting the claim of account abuse. Additionally, I would like to request the removal or correction of this inaccurate information from my consumer report, as it is having a detrimental impact on my ability to obtain financial services. I understand that ChexSystems has a responsibility to ensure accurate reporting of consumer information, and I trust that you will handle this dispute with the utmost diligence and professionalism. Please provide me with a written response regarding the outcome of the investigation within the time frame prescribed by applicable laws. Thank you for your prompt attention to this matter. I believe that through your assistance, the inaccurate information can be rectified, and my consumer report can be updated accordingly.
07/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	SC XXXXX	Web
Several times in XXXX, I was denied when I was trying to cash a payroll check. On XX/XX/XXXX I requested a Consumer File Disclosure Report from Certigy Check Services, to see why my attempts might have been denied. This report was prepared on XX/XX/XXXX, and I received it on XX/XX/XXXX. The report they sent me had the list of denied checks, but was missing the payments successfully made at XXXX 's ; based on the denial message, it seems that these missing payments contributed to the denial of my check cashing. On XX/XX/XXXX, I contacted Certigy to correct these errors. On XX/XX/XXXX, they prepared a letter saying that they determined that the information is accurate and complete as reported. I received this letter approximately XX/XX/XXXX. On XX/XX/XXXX, I called them to remind that I provided them receipts of these payments, and asking them what proof they needed in order to enter these transactions into their system ; I was told that I would be called back with this information. On XX/XX/XXXX, I received a call from a representative named XXXX, who acknowledged that the omissions might be due to transmission errors, and told me that Certigy has no mechanism of correcting an omission on the report.
09/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	NC 28216	Web	Servicemember
reinvestigate please. It has been brought to my attention that XXXX XXXX has listed NON-SUFFICIENT FUNDS on my ChexSystems file. To my knowledge, I have never had Checking Account with XXXX XXXX. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. To my knowledge, I have never had negative listing with XXXX XXXX. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from XXXX XXXX including copies of any documentation associated with this negative listing which bears my signature. In the absence of such documentation, I request that this negative listing be permanently removed from my ChexSystems report. This Notice is to confirm that your claim is disputed under 15 USC 1692 et seq. Please verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration or material alterations, and that the original lender provided value. Further, that the alleged account was transferred in good faith and by the consent of all parties involved.
04/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	GA 314XX	Web
I need immediate attention on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response and its been well over 30 days. This is absolutely unacceptable Ive been through enough hardship especially through this pandemic were in. Also, I will be filling a complaint with the XXXX due to the mistreatment and unwillingness to help me resolve this hardship the Chex System has brought upon me. I feel like Im being exploited and being ignored on my disputes. Ive done my research and section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they shouldve been deleted immediately. I absolutely demand these accounts be deleted immediately or I will file for litigation due to the hardship and anxiety you caused me. My information was also impacted by the XXXX data breach and XXXX data breach it seems it got into the hands of the wrong person. Also, I've had my wallets stolen with all my personal information in during this pandemic. I filed a FTC report in regards to this situation. I need this taken cared of immediately.
06/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NJ XXXXX	Web
To Whom It May Concern, I need assistance from your agency in order to help me with Chexsystems and the reporting that they do. I have been disputing a lot of inquiries, addresses and phone numbers. These issues need to be resolved correctly with their removal and they shouldn't continue to reappear. These items that I have listed needs to be removed : XXXX XXXX XXXX XXXX, NJ XXXX - is not my correct address -Remove ( XXXX ) XXXX is not my phone number XXXXremove ( XXXX ) XXXX is not my phone number - remove ( XXXX ) XXXX is not my phone number - remove ( XXXX ) XXXX is not my phone number - remove ( XXXX ) XXXX is not my phone number - remove Inquiries - Disputing as I did not give the financial institutions permission to pull my report : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX -5/15/2020 Thank you
07/16/2017	Yes	Checking or savings account Checking account	Incorrect information on your report Information belongs to someone else	FL 33063	Web
To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The Chexsystem. It has been over a period of five years since XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.
05/02/2016	Yes	Bank account or service Checking account	Problems caused by my funds being low	FL 33155	Web
Hi, My name is XXXX XXXX, I have an account with XXXX XXXX XXXX XXXX. I have been disputing with them because on NUMEROUS Fees which I was never made aware of nor are they written any where. About 2 months ago I went through some financial hardship and my account Overdrew. I became very busy looking for a new job and did n't when until I began getting statements and constants calls from Chexsystems about owing them more than {$1000.00}. Whem I looked at my statements I was being charged redicoulus fees. I was allowed to continue using my card and for example, I spent {$1.00} in parking and they charged me {$180.00} as an over Draft fee and like that many more. I never agreed to such Bullying. Now I cant open an account in any other bank ( I have the letter ), my credit is being affected. I have to do everything in cash, which is almost impossible in this era, They are ruining me and bulling me by reporting me to such an agency and paralyzing my life financially. I am trying to buy a car to take my kids to school and me to work and I cant. I have been on public transportation due to this mess. I need this removed from my consumer report and resolve this issue immediately. Please Help Me. XXXX XXXX
05/18/2015	Yes	Credit reporting	Credit monitoring or identity protection Problem cancelling or closing account	CA XXXXX	Web
I filed XXXX times before complaints against " XXXX '', " XXXX '', " XXXX '', " XXXX '', because ; 1 ) They refused to send me my " Free Annual Credit Report '' claiming that they ca n't match my personal info, but at the next page of their website they offer me my Credit report for a Fee {$7.00} ; 2 ) They refused to investigate Frivolous items in my Credit Report. Obviously CFPB did n't took any action against them so " XXXX '', " XXXX '', " XXXX '' decided to take a Revenge against me by Re-age on XXXX a XX/XX/XXXX deleted Frivolous item, XXXX XXXX XXXX account # XXXX amount {$9700.00} which reduced my SCORE by XXXX points. Also " XXXX '' because they refused to investigate and delete XXXX Frivolous Bank claims ; a ) XXXX XXXX account # XXXX i closed it on XXXX, b ) XXXX account # XXXX i closed it on XXXX, both had XXXX balance at the time of closing them. As a result i ca n't open a new checking account with any Bank. My question to CFPB is why Proven Fraudulent Companies like them are allowed to Terrorize and creating problems to consumers in many different ways with Immunity ; Is it because they are allowed to do business by XXXX Politicians or because Corporations are Governing America???
05/12/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NY 11566	Web
I am putting a complaint on Chexsystems cause I am having ongoing issues with them and they are not trying to correct the issue. In XXXX I had requested a copy of my chex systems file. I received a letter from them dated XXXX XXXX XXXX that my file was mixed with another file with similar information. The reason for this is because I have been a victim of identity theft. They requested for a copy of my social security number to correct the issue. I sent them in a copy of the letter and social security card front and back along with a police report that I had filed. They sent me a copy of my chex systems file at that point. After reviewing the file there are multiple inquiries on my Chexsystems file that were a result of the identity theft. The original police report i sent in dated XXXX/XXXX/XXXX I sent to chexsystems and now I am attaching to my complaint the new police report that I have filed dated XXXX/XXXX/XXXX. The list of inquiries on the report are extensive the only inquiry that should be reporting on my report is XXXX XXXX XXXX on XXXX/XXXX/XXXX I have not requested or authorized anyone to access my chexsystems since then. The rest of the inquiries are the result of the identity theft.
10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 14701	Web
I recently discovered that my identity has been stolen, as evidenced by a fraudulent XXXX XXXX XXXX checking account that was opened in my name. This revelation came to light when my application for a bank account was denied earlier this year. Upon reviewing my Chexsystems disclosure report, I was alarmed to find a remark indicating suspicious activity associated with a XXXX XXXX XXXX account that I never authorized or opened. I am deeply frustrated and disheartened by the unfairness of this situation. It is unjust that I, as the victim of identity theft, am now burdened with the consequences of someone else 's criminal actions. This fraudulent activity has not only infringed upon my financial well-being, but it has also impeded my ability to open a legitimate bank account. I am reaching out in the hopes of finding a resolution to this matter. I kindly request that the fraudulent XXXX XXXX XXXX account be immediately removed from my Chexsystems report, as it is inaccurately tarnishing my reputation and preventing me from accessing essential banking services. I appreciate your attention to this pressing issue and trust that you will take the necessary steps to rectify this situation promptly.
04/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 620XX	Web
a scam company is trying to assign a debit to me. they called and sent a collection letter.. when researched.. i found several scam listings and mail fraud listings that was similar to what i experienced ... i checked my credit report and no collections have been sent.. they info int he letter is inaccurate and false. for instance check # 's, accounts and other info that would validate any transaction. the company is calling themselves : " XXXX XXXX XXXX XXXX, XXXX '' and claiming the creditor is : XXXX XXXX XXXX, XXXX and claiming the original debit was obtained thru XXXX XXXX on XX/XX/2019, the same day they called me trying to obtain information from me over the phone. I have not done any business with XXXX in many years.. all of which was paid in full using a my back debit card.. never a check ... they said the check number was # XXXX the amount was for {$18.00} and i owed that and a returned check fee of {$25.00} for a total of {$43.00} .. after spending time researching.. i have found other individuals claiming the same thing and that they was committing mail fraud. i contacted my state attorneys office.. and she said i could file a claim here or possibly at my local police department.
03/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL XXXXX	Web
CHEXSYSTEMS IS A RICO-EXTORTION RAQUET, THIER PATNERS IN CRIME HAVE ABSOLUTELY NO EVIDENCE OF A DEBT OWED OR AN INJURED PARTY, I HAVE NEVER RECEIVED A REPORT ON ANYTHING THEYRE REPORTING ON, WHICH IS A MAJOR VIOLATION OF MY RIGHTS AND A VIOLATION OF FRCPA RULES, I AM IN NO WAY OBLIGATED TO GIVE XXXX MY BIRTHDAY OR SS NUMBER EITHER, CHEXSYSTEMS USES DEFORMATORY INFORMATION ON ME WITHOUT HAVING ABSOLUTELY NO PROOF OF A DEBT OR WRONG-DOING COMMITTED BY ME,, CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX XXXX, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO XXXX ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE MISCREANTS
02/24/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	CA 90027	Web
Dear Consumer Financial Protection Bureau, I am writing to report an issue with Chex Systems, a consumer reporting agency that provides information to banks and credit unions about consumers ' banking histories. Specifically, I have found that Chex Systems is not removing accounts that are inaccurate from their reports. I have personally experienced this issue when I discovered that Chex Systems was still reporting an account that had been closed for several years. Despite multiple attempts to dispute this information with Chex Systems, they have not taken any action to remove the account from my report. This is particularly concerning to me because inaccurate information on consumer reports can have serious consequences. In my case, this erroneous information could potentially impact my ability to open a new bank account or obtain credit in the future. I believe it is important for Chex Systems to be held accountable for accurately reporting consumers ' banking histories. I urge you to investigate this issue and take appropriate action to ensure that Chex Systems is removing inaccurate accounts from their reports. Thank you for your attention to this matter. Sincerely, XXXX XXXX ll
12/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	CA 90025	Web
I have recently been informed that there is negative information reported by CHEXSYSTEM in the file you maintain under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing XXXX XXXX XXXX such as my account was charged off {$300.00} in XX/XX/XXXX ( ACCOUNT ABUSE ) I challenge the accuracy, compliance and reportability of this listing. I submit my first complaint to CHEXSYSTEM on XX/XX/XXXX via chexsystem online portal and they fail to provide any validation for the above account that belongs to me. I submit a second complain via USPS on XX/XX/XXXX and chexsystems failed to respond until now XX/XX/XXXX. I was denied two ( 2 XXXX times for a bank account in the past 6 months due for CHEXSYSTEM reporting false and inaccurate information to financial institutions. I have attached a POLICE REPORT and notarized FTC Identity Theft Victim 's Complaint and Affidavit. Failure to respond satisfactorily within 15 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
09/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 654XX	Web
On XX/XX/23 I attempted to open a trust bank account at XXXX XXXX XXXX. They used my social to run a background check which revealed that I had monies owed to XXXX XXXX XXXX on an old closed account. This account was paid in full months prior to the inquiry. I was denied the bank account and proceeded to call XXXX XXXX XXXX who confirmed that the matter was resolved and provided me with a letter stating this. ChexSystems was contacted and I spoke with a woman who was difficult to understand as well as appeared to be out of the country. Im not quite sure why an agent in another country deals with credit matters of the US but that is a different matter ; after providing a lot of private information and explaining the situation, she informed me that there was nothing she could do and I would need to contact XXXX XXXX XXXX. I have now, on XX/XX/23, been denied another checking account creation due to this matter. I am attaching a letter from XXXX XXXX XXXX showing the matter is resolved and requesting that it be removed from my credit report or I will be forced to file suit. This has caused forfeiture of new accounts, interrupted business and caused tremendous distress to me and my family.
08/06/2018	Yes	Checking or savings account Other banking product or service	Opening an account Unable to open an account	GA 30331	Web
My purse and car were stolen a few years back. As a result, my debit card was swiped across town at a gas station, an ATM, and then at an ATM that was associated with my bank. A fraudulent deposit was made into my account. I was totally unaware of the deposit, but reported all of my things stolen before I had any knowledge of the deposit. I reported my things stolen to the police. I communicated back with my bank to find out where my card had been swiped and how many times it was attempted. I reported my findings back to the police and requested that the ATM cameras be pulled so that I could press charges. This was an extremely long and drawn out process. They tried to have the cameras pull but the back hadn't fixed the ATM camera so it only caught the person 's chest and hand ( which clearly weren't mine ). As a result, the bank decided to close my account and reported me to ChexSystems making it virtually impossible for me to get a bank account with anyone. I did my due diligence by keeping in contact with the bank, reporting what happen, and by involving the police. My account was still shut down and I have had an extremely negative experience because of something that wasn't my fault.
07/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	WA 98038	Web
According to FCRA 611 ( 7 ) and FCRA 611 ( 6 ) ( B ) ( iii ) I am requesting the method of verification you used to ''verify '' that the company seriously looked into the previous investigations. I would like to be provide physical proof of how you contacted the creditor '' XXXX XXXX '' account # XXXX. I want to be given the written correspondence email's/letters, phone call records you had with the employees who you said verified the data, and any other documentations used for this investigation. I am submitting a complaint because Chexsystems never sent me the investigation results. I only received a letter dated XX/XX/2019 that the investigation would take XXXX and then my own request of a report dated XX/XX/2019 to see what if anything had been done to my report. as of today i affirm they never sent me my results of the investigation. either remove the false and erroneous account or I shall and will seek legal remedies made to me via your negligence and willful disregard to abide by FCRA statutes. I shall files multiple complaints to and including FTC, Minnesota 's Attorney General 's Consumer Division, D.O.J and finally bring a civil suit if the issue has not been taken care of.
03/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL XXXXX	Web
CHEXSYSTEMS IS A XXXX XXXX, THIER PATNERS IN CRIME HAVE ABSOLUTELY NO EVIDENCE OF A DEBT OWED OR AN INJURED PARTY, I HAVE NEVER RECEIVED A REPORT ON ANYTHING THEYRE REPORTING ON, WHICH IS A MAJOR VIOLATION OF MY RIGHTS AND A VIOLATION OF FRCPA RULES, I AM IN NO WAY OBLIGATED TO GIVE XXXX MY BIRTHDAY OR SS NUMBER EITHER, CHEXSYSTEMS USES DEFORMATORY INFORMATION ON ME WITHOUT HAVING ABSOLUTELY NO PROOF OF A DEBT OR WRONG-DOING COMMITTED BY ME,, CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX BISNESS, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO ROUNDY ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE MISCREANTS
09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30101	Web	Servicemember
Im filing this complain against Chexsystems they have not removed the fraudulent inquiries from my report in going to send the police report and ftc complaint and the copies of the chexsystems report to show there is over 43 inquiries in my report that someone has made with out my permission, these inquiries are fraudulent, please remove these inquiries as I did not try to open any accounts but these inquiries are stopping me from opening a checking account because this is hurting my credit and me financially, either remove these items from my report or Im going to have file a lawsuit tk have them removed, Im also sending a letter from a lawyer that I have hired to sue XXXX for the same thing, Im tired of asking and now I want these off and please do not come back with some excuse wow yall cant take them off or yall ignore what I send yall, now take everyone of these inquiries off my credit report or be sued, this is manipulating what have sent chexsystems, I will keep all copies of these complaints tk show how many times I have filed against Chexsystems and they have failed or didnt do there job, remember this complaint will be kept as evidence and can be used against Chexsystems
12/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91316	Web	Older American
Noticed fraudulent attempts to open accounts at banks and credit unions which appeared on ChexSytems credit report. Contacted CFPB, after unsuccessfully trying to reach ChexSystems, and they corrected some of the illegal attempts with information I submitted. The letter I received from ChexSystems regarding the changes that they made, failed to fix 5 ( eliminate ) other " Hard Inquiries '', some which were at the same banks/credit unions from the previous activity, but with later dates. The same WRONG driver 's license numbers were attached and the phone numbers were incorrect. The SS numbers were correct and the address was correct, except for the Inquiry from XXXX XXXX XXXX XXXX. I called the consumer affairs number for ChexSystems today ( XX/XX/XXXX ) after receiving the letter from them today dated XX/XX/XXXX and was unable to speak to anyone -- -there was only the automated system. It is quite clear that the same fraudulent attempts ( Hard Inquiries ) are still on my account which, if anyone in their fraud department reviewed, should have been taken off. In addition, there is one Soft Inquiry that is fraudulent. It seems to me that ChexSystems is not acting in good faith.
02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MN 55443	Web
chexsystems continues to report information i have proven is fraudulent and illegal. 15 usc 1681 requires reporting agencies to do maximum due diligence that is clearly being neglected The Electronic Fund Transfer Act ( EFTA ) : This law establishes the rights and liabilities of consumers and financial institutions with respect to electronic fund transfers. Under the EFTA, consumers have the right to stop payment on a preauthorized electronic fund transfer by notifying the financial institution before the scheduled transfer date. The Fair Credit Reporting Act ( FCRA ) : This law governs the collection, dissemination, and use of consumer credit information. Under the FCRA, consumers have the right to dispute inaccurate or incomplete information contained in their credit reports, and to request that inaccurate information be corrected or removed. The Consumer Financial Protection Act ( CFPA ) : This law prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ) by financial institutions. If a company continues to use your financial information without your permission, they may be engaging in an abusive or deceptive practice, which would be a violation of the CFPA.
10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91402	Web
see previous CFPB complaint XXXX and attachments. Chexsystems created an unwarranted report based only on XXXX banks having merely checked Chexsystems to see if there was information there, ( I had applied recently for accounts at XXXX XXXX and XXXX ). They also gave XXXX an unbelievably low score in the XXXX 's. Then they blocked, ( and are still blocking, see attached ) ) dispute on their portal, ( to evade admissible documentation of such dispute ), telling me to go off record and telephone them. After the previous CFPB complaint they sent me in the mail a new report with the XXXX and XXXX XXXX queries erased and a new score in the XXXX 's ( score attached ) but still insist on a Chexsystems report itself being in existence based on mysterious references to ( queries ) They refuse to close the report. *Chexsystems counsel please do not include irrelevant obfuscating information in your response, just clear succinct sentences so as not to irritate Senate Banking Committee or Comptroller investigators trying to follow. Please note that lawyering the response to evade correction of the error will simply create another CFPB complaint, and another, and another, and another.
08/27/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	MD 21217	Web
To Whom It May Concern : THIS IS JUST A FOLLOW UP JUST IN CASE YOU DID NOT GET MY DISPUTE DIRECTLY==> I recently reviewed an extensive copy of my CHEXSYSTEMS CONSUMER REPORT & credit report included dark web alert ( s ) with the intention of trying to improve myself and take care of my responsibilities and noticed an account that I wanted a little more explanation on, and it needs to be deleted/removed from my chexsystems report. - ( XXXX XXXX ; XXXX XXXX XXXX, XXXX, XXXX XXXX ) I also recieved an alert on my XXXX account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. THE POLICE REPORT # : XXXX FTC Report Number:XXXX4 I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CHEXSYSTEMS REPORT IMMEDIATELY!. Bank Checking Account : XXXX XXXX ; XXXX XXXX XXXX, XXXX, XXXX XXXX Account Number : NA delete it from my XXXX REPORT Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
06/19/2015	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	MA 02780	Web
HelloI have been turned down for XXXX business bank accounts. the banks have told me that it is because of negative info on chexsytems. So i went to the chexsystem website. ( no complaints or info can be had via the site or telephone. its said i had to request a copy of my report via Mail. so i submitted my info and personal address to this company. the site syas i will get a copy in the mail in 5 business days. so after 7 days still no report. i requested again. its been now 7 6 more days and till no report. i also called the phone number yet still no report. they have no way to reach a live person. Now I have not had a bank account since 2007 this was payed as agreed and closed. I cant open my business. I want all info removed and the delay of information fro them is inexcusable. I am hoping this organization can help me asap to clear my report that they state is only going 5 years back and i am past the point of being nice i should have had that report almost 2 weeks ago. the delay in banking has cost me over XXXX in lost earningsplease make them clear my name I have tried to upload a rejection letter from a bank but system wont allow I can forward via email if need be
04/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	NY 114XX	Web
I'm concerned about the validity and accuracy of a recent investigation conducted by Chex Sytems , Inc. on an account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that appears on my Chex Systems report XXXX This account was created without my knowledge or permission. I requested an investigation two months ago after being informed of this fact because I believed this item was not being reported legally. Soon after, I spoke with a representative who informed me that the Chex Systems investigation was complete and the information/account was deemed verified. I was sent a letter stating the source of verification, a personal signature card, for an account that was opened onlineand the customer 's acknowledgement was electronically obtained. Evenafter presenting them with an up to date FTC report and other verifying documents to my being a victim of Identity Theft. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights under the Fair Credit Reporting Act. I have the right to privacy under 15 U.S.C. 1681 Section 602 A. Section 604 A of the United States Code. It also states that a consumer reporting agency can not provide an account unless I provide written instructions.
03/03/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NY 11566	Web
The reason I am complaining to day is because I went to XXXX XXXX union to close on a loan and when they went to establish membership for me and got a copy of my chexsystems file they denied me based on information that they received from Chexsystems. XXXX is saying that there is an account with XXXX XXXX reporting a {$52.00} charge off. I have never conducted business with this company and I called them to verify with my social if they have me in there system? and they had no record of any account with my social. I contacted the chex systems phone number and gave the representative my information and he was able to pull up my file but found no record of any account reporting a charge off in my name. The bank is requesting a letter from chex systems stating that their are no negative charge offs showing on my report. Chex systems is telling me they will be mailing me my file but this is not going to help me as I am on a time limit in approval for this loan that I have been approved. My father and my brother carry the same name and I am afraid that my information might be getting mixed when financial institutions pull my file. This needs to be addressed with chexsystems.
11/28/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	GA 31602	Web	Servicemember
ChexSystems is posting my personal information. ChexSystems violated consumer law FCRA section 604. Early XXXX i disputed an account ( s ) that does not share my personal address, that has been proven by them. However they verified the account as accurate via their online portal, no validation. so I immediately mailed them back via USPS mail and asked how what this account verified so fast. They did not respond, so i sent a follow up letter on XXXX, asking to have these account deleted because since this account doesnt match my personal information. ( address, etc ) Hence it is erroneous and inaccurate. ( Thats a FCRA issue ) They responded again via the online portal. Then on XX/XX/23, I responded again with a well crafted letter stating that the furnisher of this account share my personal information with my written permission, Chexsystem ignored what i stated about this being a violation on the FDCPA and FCRA 15 U.S.C. 6802 - Obligations with respect to disclosures of personal information. Also, 15 U.S.C. 6801 of the FCRA stating that I have Protection of nonpublic personal information. They responded again with the same response yesterday. I can count 3 violations
02/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	CA XXXXX	Web
On XX/XX/XXXX, XXXX XXXX Bank pulled my and my wife 's ChexSystems scores and used them to decline our new checking account with XXXX, and to restrict and close our new investments account with them. Per XXXX XXXX 's declination letters dated XX/XX/XXXX, ChexSystems scores for me and my wife were 102 and 103, respectively, on XX/XX/XXXX. See scans of our XXXX declination letters attached. On XX/XX/XXXX, I and my wife both requested our ChexSystems scores directly from ChexSystems. Today, we have received our mailed scores from ChexSystems, showing that as of XX/XX/XXXX, my and my wife 's ChexSystems scores were XXXX and XXXX, respectively. See scans of our ChexSystems score letters attached. From the above and attached, it is obvious that XXXX XXXX had received incorrect ChexSystems scores for me and my wife, and had consequently used them to decline our checking account application in error. A clear error exists in ChexSystems score reporting when : 1 ) my ChexSystems score is reported to XXXX on XX/XX/XXXX as XXXX, then to me on XX/XX/XXXX as XXXX ; 2 ) my wife 's ChexSystems score is reported to XXXX on XX/XX/XXXX as XXXX, then to my wife on XX/XX/XXXX as XXXX.
09/28/2017	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	GA 31324	Web	Servicemember
on XX/XX/XXXX I attempted to make a purchase from the XXXX XXXX XXXX store in XXXX, Ga. Store # XXXX. The amount was {$740.00}. The check was declined by a company named Certegy. This is the second time that they have declined a check without providing a reason other than " a computer algorithm. '' The first was on XX/XX/XXXX ( complaint # XXXX, filed on XX/XX/XXXX ) and was given the same response. I filed a complaint with this organization as well as the FTC. Certegy also, by their report sent to me, shares this erroneous information with other similar companies-specifically Chex Systems. It is unacceptable that they will not provide the information to me that if I have detrimental or inaccurate information on file with their company, in order that I make correct any mistakes or to point out inaccurate info to them in order for them to correct it. It is also a defamation of character for them to share inaccurate information regarding me to others, especially after being notified of a dispute. I do not believe that this agency actually looked at my original complaint and simply accepted the " form Letter response that Certegy provided '' and closed the complaint.
04/13/2023	Yes	Checking or savings account Other banking product or service	Opening an account Unable to open an account	GA 30096	Web
Dear Consumer Financial Protection Bureau, I am writing to report an issue with Chex Systems, a consumer reporting agency that provides information to banks and credit unions about consumers ' banking histories. Specifically, I have found that Chex Systems is not removing accounts that are inaccurate from their reports. I have personally experienced this issue when I discovered that Chex Systems was still reporting an account that had been closed for years. Despite multiple attempts to dispute this information with Chex Systems, they have not taken any action to remove the account from my report. This is particularly concerning to me because inaccurate information on consumer reports can have serious consequences. In my case, this erroneous information could potentially impact my ability to open a new bank account or obtain credit in the future. I believe it is important for Chex Systems to be held accountable for accurately reporting consumers ' banking histories. I urge you to investigate this issue and take appropriate action to ensure that Chex Systems is removing inaccurate accounts from their reports. Thank you for your attention to this matter. Sincerely, X
01/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 282XX	Web
I have attempted to contact Chex Systems and XXXX XXXX XXXX ( North Carolina ) multiple times and they refuse to remove this fraudulent account from my credit file. I am a victim of identity theft and I have provided Chex Systems and XXXX XXXX XXXX ( North Carolina ) with every single document that is required to prove that identify theft has occurred and what is need to have these accounts removed. I provided a full Federal Trade Comission affidavit that is notarized, the XXXX XXXX Police report that list each account/ item that I am requested to have removed from my Chex systems and XXXX XXXX XXXX ( North Carolina ) report. I have talked to many representatives that have refused to assist me and comply with the Fair Credit Reporting Act. I am requesting that this information listed below be removed using the provided documentation to the consumer financial protect bureau and mailed on XX/XX/XXXX to Chex Systems and XXXX XXXX XXXX ( North Carolina ). I am requesting that this is completed immediately. Here is the account that I am requesting to be deleted : XXXX XXXX XXXX XXXX NORTH CAROLINA ( {$200.00} ) - ACCOUNT NUMBER : XXXX - ( OPENED : XX/XX/XXXX ).
03/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 92122	Web
ChexSystems sends my highly sensitive and private information, including SSN info, in simple USPS mail every time I lift a security freeze or place it back. This exposes me to unnecessary risks of identity theft. Chex refuses to stop sending this private info via US mail. Among the information included in unsecure and unwelcome communications from Chex are last 4 digits of Social Security Number, which are coded into a long number on top of the letter and it's very easy for a malicious person to extract this information. I had an instance of mail opening and theft by USPS employee last year, which is being investigated by Postal Inspector, and a lot of mail simply disappears right now. They also include Consumer ID, which can be used in lieu of SSN for communications with Chex regarding consumer file. Please ensure Checks stops this unlawful practice of exposing US consumers private information to identity theft. There's an absurd situation right now that to protect themselves from fraud and place a freeze on their Chex file, one must submit to having their sensitive info sent around in non-secure US mail. I will file legal action if this abuse continues.
06/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web
ChexSystems advised me in XX/XX/2018 that they have removed the falsely reporting information from XXXX XXXX XXXX XXXX XXXX, they also stated that they removed past addresses that i have never lived at due to identity theft. XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX, TX XXXX. They advised me and sent me an updated report which i reviewed and the information was removed. However i went to apply for a savings account today and it appears they re applied the negative information back on my report. Falsely stating they removed it. When you advise a client you have determined an error did occur and that you have blocked that information from my file you should be honest. Don't like on paper when you forward it to me. Lastly this is causing issues again and i thought this was resolved. Apparently ChexSystems goes against the FCRA Requirements and do not follow the rules to block Identity theft fraudulent items. This is causing damage to my personal reports and issues for me in the long run. I didn't open any accounts with XXXX XXXX or XXXX or XXXX XXXX. I want these removed immediately and send me a updated copy proving these have been removed.
01/20/2017	Yes	Bank account or service Checking account	Account opening, closing, or management	CA 95969	Web	Older American
XX/XX/XXXX XXXX XXXX XXXX filed a complaint with Chex Systems Inc. which resulted in a joint account of XXXX XXXX & XXXX XXXX was closed without notice. My personal account at XXXX was closed also. We were told to contact XXXX and Chex Systems to find out why. At the time the XXXX account had several hundred dollars and my XXXX account had over {$9000.00} all of which was refunded to us. These accounts were in XXXX, Ca. I have not been able to open a bank account since which is an extreme hardship. In XX/XX/XXXX, I wrote Chex Systems a letter to have the negative information removed but they refused stating XXXX would not withdraw the complaint. I need to open a bank account now as I have accepted a job in XXXX, Ca. but am unable to open an account which I need for auto-deposit payroll as well as my Social Security! I recently wrote Chex Systems a letter to again request removal of this negative information. I do not believe I should be banned from having a bank account for unknown reasons and have no way to have bad or fraudulent info removed from my credit history! Thank-you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX
06/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30062	Web
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
08/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA XXXXX	Web	Older American
In XXXX XXXX California on XX/XX/2013, a previously unknown third party or person asked me to deposit a check in my checking account with XXXX XXXX XXXX, he said that he has cashed his last allowed check at the XXXX XXXX XXXX XXXX XXXX XXXX, and that this was his last check and that he needed some money. I deposited it and the check did not cleared. It may have being stolen by that party from another, or altered in some manner in a way that I was unable to recognize. XXXX XXXX XXXX frizzed my account they said for my protection, later on few days later they closed my account and reported me to Chex Systems ; and XXXX XXXX that the account was closed for fraud activity ; intent to commit fraud ; fraud, or intent to transact in an illegal no allowed transaction in an an-authorized manner. This info has being on my reports for more than four years preventing me from open an account with another financial institution, personal or business, no even a savings account for my corporation ( XXXX XXXX , XXXX ) In many occasions I have disputed it, but XXXX XXXX XXXX, Chex Systems and XXXX XXXX have refused to correct and remove the information.
11/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76210	Web
I have provide sufficient information, as required by the FTC, by providing an ID Theft affidavit from the FTC website which i registered and logged the ID Theft related accounts. I am a victim of identity theft and my information was used fraudulently to open various accounts without my consent or permission. I have contacted chex systems making them aware of the accounts and inquiries relating to identity theft and per FCRA 605B, advising them that they have 4 days to block those identity theft related accounts. and they are refusing to do so. they are asking me to provide a police report and i advised per the FCRA regulations the report alone from the Federal Trade Commission is sufficient enough to block the items marked as identity theft. being a victim of identity theft, I feel that chex systems is violating my rights as a consumer and causing adverse and negative impact on me as a consumer by blatantly refusing to honor federal law under FTC guidelines. They are knowingly reporting accounts and inquiries that are marked as fraud due to identity theft and are pro-furiously refusing to remove and block these accounts from my report.
07/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78043	Web
Today, XX/XX/2020 I called XXXX to dispute the charge of {$1000.00} that this company, ( COMPLETE PAYMENT RECOVERY SERVICES, INC-XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX Florida XXXX ) was attempting to collect from me. According to Ms. XXXX XXXX, she would be sending me the copy of check # XXXX that I wrote from XXXX XXXX XXXX to a Church in the amount of {$1000.00} which was supposedly cashed at a local XXXX # XXXX in XXXX Texas on XX/XX/2020. I called XXXXXXXX XXXX XXXX Headquarters and spoke with XXXX and asked her to verify if someone had opened up an account with my name to which she responded. NO. Hence : I believe this is a scam to collect money from seniors who would normally make out checks to the church and who would easily feel intimidated by a letter from a collection agency that is threatening to affect their credit if the amount owed is not paid in full. In fact, when you call this number it literally states to have your account information handy to include your account number and the routing number. THIS IS A DECEPTIVE PRACTICE THAT HAS TO BE STOPPED. NEVER EVER GIVE YOUR PERSONAL INFORMATION TO VERIFY ANYTHING!
10/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NM 88005	Web
I have received more than one letter that my data set has been breached, most recently XX/XX/XXXX. I noticed on my credit report certain errors that keep coming back and inaccurate information. One error is XXXX is reoccurring delinquent bank account. I do not have any delinquent accounts, for over XXXX years. XXXX XXXX XXXX XXXX has not provided me with any notice of a debt. Largely in part because I did not have an open account with this company. Ref date of closure XX/XX/XXXX. I have asked for XXXX own investigation and review of that investigation and provide me with a copy, independent of the 'verifying company '. I Have Not Received Any Results. ( I have not received any documentation from the verifying company XXXX XXXX XXXX XXXX. ) All consent implied expressed written or otherwise has been revoked. NO ONE OR ENTITY HAS my consent to share documentation I have submitted REGARDLESS OF THE BUSINESS matter of course or any other reason. Because I have found that this information is not used for the purpose intended, I request to receive independent results without sharing the results to third parties, in accordance with the FCRA.
05/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	NJ 07724	Web
Chexsystem XXXX Call Chexsystem to ask about someone try to unfreeze the Chexsystem Report and try to request the new PIN for security freeze service because I received the letter regarding security alert date XX/XX/2020 and XX/XX/2020 Representative explain that they received the request for the new PIN but the request did not process because the address was difference. After that I request them to update the correct address, Email and telephone number on the report. And they will summit the claim that I didnt request for the new PIN as well. They said they will send the letter confirm about the action. XXXX Call Chexsystem to follow up the action. But the representative said my request to update the correct address, Email and telephone number. It can not process because I have Security Alert on my report. And the current address that they have on file is not the same that I provided. I immediately explain to them that I NEVER put the Security Alert on the report. They request me to fax ( XXXX ) the letter explain that I never request for the Security Alert to be able to update the correct address, Email and telephone number.
08/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	FL 32514	Web
Around a month ago, I came to realize that ChexSystems has been sharing incorrect information with banks, which has unfortunately led to me being denied some business opportunities. To set the record straight, my name is " XXXX XXXX. '' However, in my ChexSystems report, specifically under XXXXXXXX XXXX, it's strangely spelled as " XXXX XXXX. '' I want to XXXX that this misspelled name isn't mine, and I'm certainly not the only XXXX XXXX out there. What's more, they've also listed an address and phone number that I have absolutely no familiarity with, although they seem to be linked to my local community. I can assure you that I've never had any connection to these details. Discovering this bewildering information on my report has left me concerned, and it's having a negative impact on potential business opportunities. I'm kindly asking for their immediate removal of this inaccurate information from my ChexSystems report. It's crucial to rectify this false data, as it's led to misunderstandings and unjust denials. I've already taken steps by getting in touch with the bank and filing a complaint to have this misinformation removed.
01/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	MD 21207	Web
Chexsystem has a issues with there system when u put in ur request your request for releasing your data to another bank or credit union the bank receives errors all the time. When I call and verify that my information was lift on this date and time XX/XX/XXXX. This concern had been happening for a long time I'm assuming that when information from the bank only see ( security freeze in place ) So I assuming if this happen every time I need something there is a problem with the system releasing proper and accurate information to the appropriate credit union that I filed for. This same exact issues happen 6 months ago checking out the system see if it work and it doesn't took chexsystem 15 days to release my security freeze from my account/ check system indicates they lost all my data on these dates at hand XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and this list goes on. The see concern and issues need to be looked. And investigate. Why chexsystem promise their customers ( there freeze will be lifted immediately ) when the information is completely false all these date and occasions I have experience inconvenience from chexsystem..
12/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY XXXXX	Web
I am a victim of identity theft. I have previously disputed with ChexSystems and have included new information in this dispute. I have attached a copy of the police report I filed. The following inquiries were not authorized by me and I request their prompt removal. XXXX XXXX XXXX Date : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX The following addresses are not associated with me and may be the result of fraud. I have included a copy of the police report showing where my identity documents were stolen. Previous disputes submitted to ChexSystems did not result in the deletion of these fraudulent addresses. Identity thieves are using some of these address to open accounts that are not associated with me and ChexSystems now has notification that these addresses are not mine. XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX null XXXX, TX XXXX
04/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30339	Web	Servicemember
ChexSystems is reporting an account under my name, social security number, date of birth and drivers license that does not belong to me. I have contacted ChexSystems before and provided them a copy of my police report, drivers license and social security card, but they have refused to properly investigate this matter. All they have done was told me that they verified the information to be mine using my personal identification when I have plainly and clearly told them and provided proof that I was a victim of identity theft, and they have refused to act in accordance with the laws that govern reporting information against consumers. They are reporting the following information against me and it is not mine and as a result of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AL XXXX Reported Name XXXX XXXX Reported Address XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX Reported SSN : XXXX Drivers License : ( Blank ) RTN : XXXX Account : XXXX Reported for NSF : Amount : {$130.00} Paid in full settled This is not my account and I do not owe this and never did and I want this removed from my credit file
08/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	NY 11224	Web
I have just discovered as of recently that I had fraudulent reporting information on my ChexSystems consumer report. I had false reporting inaccurate information reporting on my name due to having my personal information being compromised as a result of being a victim of identity theft. I obtained my report, contacted ChexSystems to dispute the inaccurate information. I contacted ChexSystems, followed their dispute process and according to the FCRA ACT I reported the fraud I discovered in the report. It dates back XXXX, and even XXXX years as it was not to my knowledge of these accounts even being in my name. I filed an FTC report, I also sent in the information to ChexSystems. Chex Systems continues to report false information on my consumer report illegally. They told me the date I filed the Police report, FTC reports were too far from the date of the theft. I was unaware of the theft until obtaining my report, so there was no way for me to have prior knowledge of this. Chex Systems are doing unfair practices that do not align with my rights as a consumer and are reporting fraudulent false information on my report.
08/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I just sent a recent police report to Chex Systems for the fraudulent and unauthorized credit inquiries listed on my Chex Systems Consumer Report ID : XXXX, the following Reported Information and Inquiries Viewed By Others currently listed on my Chex Systems Consumer Report are all fraudulent, unauthorized and not my checking account or credit inquiries : XXXX Checking Account : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60827	Web
I submitted a dispute to ChexSystems in XXXX. I provided documentation showing that I did alert the fraud department of XXXX XXXX XXXX after I felt as though I was scammed. I emailed the conversation to myself just in case XXXX XXXX XXXX alleged that it didn't happen, which they did. On XXXX I spoke to XXXX at checxsystems at XXXX XXXX she informed me of a website that I could submit the phone call. She then informed me that their website was not capable to receive it. I asked if there was an email that I could send it to to prove that I did contact XXXX XXXX XXXX. XXXX informed me that there was nothing she could do. It is very important that I submit all of the evidence that I have regardless of the format that it is in. I hoped that chexsystem would understand that evidence comes in various different forms. After their alleged reinvestigation they continue to report that I did not contact XXXX XXXX XXXX fraud alert Department before they realized that the transaction was bad. this is very important because if there is proof that I contacted them it would show that I did not willingly attempt to defraud XXXX XXXX XXXX.
06/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC XXXXX	Web
Fraudulent inquiry, illegal pull and use of credit report.XXXX reported that XXXX/XXXX pulled my credit back in XXXX. I did not apply for any credit with this company or give authorization to pull my credit. This was fraudulent activity which I promptly reported and requested deletion. To my surprise when I receive my credit report I see that XXXX/XXXX inquiry and 3rd party information on my credit report. I want this fraudulent inquiry removed as well as supplemental 3rd party information removed. I also want to know how they got my SS # and information and where it come from. I want the written documentation it came from, digital files, or temples sources to file police reports and send to FTC. The email address the was previously provided is obviously not mine and a fake address. I demand all information related to this inquiry. I don't have accounts with XXXX which has already been verified and they where told to delete the fraudulent information off my report in a letter received. XXXX and XXXX/XXXX should both be fined for there practices and fraudulent activity. Additional supporting documentation has been attached.
01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30092	Web
In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX stole my identity and sold/shared without my consent to Chex Systems , Inc . This is a crime and I deserve protection. Identity theft is a crime punishable by federal laws. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than se ven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
04/22/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	FL 34120	Web
I am complaining against chexsystems today because I am having issues with Idenity theft. I have ordered my chez-systems on several occasions and just received it on XXXX XXXX. I called the number listed and I am being helped by some type of outsourced employees who are of no help at all with the issue I am dealing at hand. I am having a big problem with Identity theft to the point where I have gone to social security requesting to change me social security number because this has been an ongoing deal. There are several fraudulent attempted account openings in my name where it has left me with fraudulent inquiries on my report. I refiled another police report with the XXXX XXXX Sherrifs department and I have tried to get some help from Chex-systems in getting these removed but the incompetent employees answering the phone in chex-systems is not helping me. I am going to attach my police report Via CFPB portal and the fraudulent inquires on my chez-systems are as follows. 1 ) XXXX XXXXXXXX2 ) XXXX XXXXXXXX3 ) XXXX XXXXXXXX4 ) XXXX XXXXXXXX5 ) XXXX XXXXXXXX6 ) XXXX XXXXXXXX7 ) XXXX XXXXXXXX8 ) XXXX XXXXXXXX9 ) XXXX XX/XX/XXXX
09/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	MD XXXXX	Web	Servicemember
To whom it may concern : This is a formal notice of dispute regarding information that XXXX XXXXXXXX XXXX sent to Chexsystems and XXXX, a consumer reporting agency. The following false information was sent to Chexsystems and XXXX : Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. This information was disputed with Chexsystems and XXXX on XX/XX/2017 ; however, XXXX XXXX XXXX verified the information as accurate. This falsely reported information damages my financial reputation and should be removed immediately. XXXX XXXXXXXX XXXX reported suspected fraud when in fact, no fraud took place. There was no illegal activity on the account. XXXX XXXX XXXX did not experience any financial loss and no money is owed on this account. There was no violation of the account agreement that governed the account. Under my rights under the Fair and Accurate Credit Transactions Act, I am asking for an investigation of this reported information, and removal of the false information reported to Chexsystems and XXXX XXXX Consumer Serivces. Sincerely, XXXX XXXX
01/06/2024	Yes	Checking or savings account Checking account	Opening an account Account opened without my consent or knowledge	FL 33169	Web
XXXX stated in writing dated XX/XX/2023 that they were unable to validate my claim # XXXX for the following reasons YOU ARE ACTIVELY USING THE ACCOUNT BY MAKING DEPOSITS AND PERFORMING TRANSACTIONS. This statement XXXX has stated is not accurate.I demand method of verification showing I XXXX XXXX the consumer ACTIVELY USING THE ACCOUNT BY MAKING DEPOSITS AND PERFORMING TRANSACTIONS.The phrase YOU ARE ACTIVELY defines is happening right now or because of conscious effort, or a little of both. XXXX XXXX XXXX XXXX. Chexsystems did not allow me the consumer XXXX XXXX to challenge XXXX statements of the inaccurate account to be reported.This action is in no FAIRNESS to I the consumer XXXX XXXX.I find Chexsystems and XXXX in violation of THE FAIR CREDIT REPORTING ACT 15 USC 1681. Act 15 USC 1681 promotes ACCURACY, FAIRNESS, AND THE PRIVACY OF PERSONAL INFORMATION. XXXX also stated ACCOUNT STATEMENTS WERE SENT TO YOUR ADDRESS OF RECORD. I XXXX XXXX never received any statements from XXXX to my address. I also demand proof of mail delivery meaning certified mail and signature from me the consumer XXXX XXXX receiving statements.
10/08/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	FL 32211	Web	Servicemember
The following fraudulent entries appear on my ChexSystems report: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/04/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	GA 31324	Web	Servicemember
On XXXX XXXX, 2017 I attempted to make a purchase at XXXX 's in XXXX, XXXX and pay for it by check in the amount of {$630.00}. The check was declined by Certegy, the XXXX 's vendor, and I was given a phone number to call for information regarding the decision. After numerous attempts I finally spoke with a customer representative and they could give me no specific information regarding the reason ( s ) why this happened. I received a letter from them stating that the decision was based on risk profiles established by Certegy. They stated that there was no derogatory information on file regarding me-as confirmed in their Consumer file report which is attached. To decline a transaction without reason is derogatory. To provide false derogatory information about an individual is unacceptable. Furthermore, to ignore the request to provide information that was used to that individual in order to correct a mistake is unacceptable. To share this inaccurate information/decline with another company that provides similar services which may impact future transactions is unacceptable. THis information was shared to Chex Systems Inc.
12/27/2016	Yes	Other financial service Check cashing	Fraud or scam	NC XXXXX	Web
I have tried several times to cash my paycheck at XXXX ( Which Certegy handles the verification ) but they keep declining and told me to contact Certegy. I was very concerned because I dont have any negative transactions so I called Certegy and spoke with XXXX and her senior XXXX. I advised them that I have a copy of my consumer report and it clearly states no outstanding/ unpaid transactions and I wanted to know why they are providing negative information preventing me from being able to cash my check. XXXX advised that they cant tell you why the transaction was declined it was confidential, so I spoke with XXXX that stated the same thing. I asked her if I do n't know why they are declining the transaction how would I know if they are basing the decline on incorrect information. I just do n't think they should be able to just decline my transaction with out giving me a reason besides falling outside to the guidelines. They should be required to provide me with the guidelines so I will know if I meet them. I am simply trying to cash my checks nothing more. Please investigate this because it does not seem ethical at all.
10/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 75230	Web
I was denied the right to have a bank account at XXXX XXXX because the XXXX computer detected some bad issues in my identity with respect to my transactions that I perform and have performed in the past with the bank. I am attempting to have a business online that I operate from my personal computer at home. Right now, it is earning about $ 400/month. I desire or intend that I allow it to grow so that it can potentially earn about $ 95,000/year. But because I have been making so many purchases with my credit cards, I am behind in my payments to my creditors, ( including PayDay Loans ) and so the computer sounded the alert that I was doing something suspicious. I have the ability to repay all of my debts. The problem is that the schedule of the payments that I desire is in conflict with the schedule of payments that those creditors desire, so they sounded the alert to protect their financial interests.My debts are around {$10000.00}, but the amount of money in my 401K, ( which substantiates my net worth ) is around {$290000.00}, and my salary is $ XXXX/year so it's not unreasonable on my part that I can pay it all back.
07/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48235	Web
I disputed information on chexsystems in regards to suspected fraud activity being reported by XXXX XXXX XXXX Missouri from XX/XX/XXXX. In XX/XX/XXXX I had my bank card and old checks from an old XXXX account stolen I reported my card stolen but at the time unaware that the checks were gone. Two checks were deposited at an atm to my account and the account was closed due to suspected fraud activity. I have since cleared this issue up with XXXX and reached out to XXXX XXXX XXXX after receiving copies of a signature card bearing my signature as well as checks from my account bearing my signature and the stolen checks bearing what is deemed as my signature, I spoke with a rep on XX/XX/XXXX who transferred me to a rep in the fraud dept who stated she was unable to handle and that I needed to speak with someone in risk department who stated that I once again needed to speak with fraud dept., None of these reps offered for me to send the documents I had nor did they look into any documents they may have had. I am just looking to have suspected fraud activity removed from chexsystems and XXXX XXXX XXXX. Thank You in advance
05/05/2016	Yes	Credit reporting	Unable to get credit report/credit score Problem getting report or credit score	VA 232XX	Web
I tried to open an XXXX checking account, and I was denied even though my credit score was over XXXX. With seven years of a full time job, no student debt, auto loans, or any loans period, I was denied a savings account even though I already have XXXX at XXXX XXXX XXXX. After my first denial, I called XXXX XXXX, and the company encouraged me to try again, stating they did not conduct a " hard credit check. '' After my third try over five months, I finally received a letter from Ally, stating CHEXSYSTEMS INC was unable to verify my identity. Then, in order to gain access to the full report, I had to complete a form on CHEXSYSTEM 's website that asked for everything from my current address to my social security number - extremely sensitive information. Instead of completing their application, I called the listed number ; however, the only thing the company has on the end of the line is an automated voice mail. In addition, XXXX was unable to " supply specific reasons why [ they ] have denied [ my ] application. '' So, after being promised my credit score would not be affected, my score actually dropped over XXXX points!
01/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30038	Web
I received XXXX letters dated XX/XX/21 and XX/XX/21 from XXXX XXXX XXXX. Both letters stated that charges in the amount of {$190.00} would be automatically deducted from an account ending in XXXX. I do not have any accounts ending with these numbers and I have not made any purchases from XXXX XXXX XXXX. I called XXXX XXXX XXXX and the representative told me that this is for furniture that was purchased at XXXX XXXX furniture in XXXX, GA. I called XXXX XXXX XXXX and spoke to XXXX. He looked up my information and told me that approx {$2600.00} of items were purchased at the store using my name and social security number. My prior address was used. The phone number used was not my number XXXX and the email used is not my email XXXX. I was also told that the sales person who made this sale is XXXX XXXX and he no longer works for this store. After several weeks of phone calls and sending letter to XXXX XXXX XXXX ( XXXX Identity Theft Affidavit along with FTC ID Theft Report and Police Report ) has yet to remove inquire from my credit report and have now started to report this account past due balance on my credit report.
02/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37013	Web
I received my credit report from ChexSystems and found errors due to identity theft. The following inquires are due to identity theft and were not authorized by me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of the letter I received from XXXX XXXX XXXX XXXX saying that on XX/XX/XXXX the credit union instructed ChexSystems to remove the inquiries however as of today, XX/XX/XXXX the inquiries are still showing. The only address that should be on my ChexSystems report is : XXXX XXXX XXXX XXXX. XXXX, TN XXXX. I have attached a copy of my photo ID for address verification.
01/21/2016	Yes	Other financial service Money order	Fraud or scam	NC 27609	Web	Servicemember
I am a XXXX Veteran. I purchased a money order from XXXX and did not use. Certegy has declined the transaction to return the money order and receive my money back. I purchased a money order for {$1000.00} but did not use it. When I tried to get a refund Certegy declined to allow XXXX to refund my money. I purchased a money order for {$1000.00} but did not use it. When I tried to get a refund Certegy declined to allow XXXX to refund my money. When I called and advised I had all the documentation used to purchase the money order they indicated that due to some XXXX risk factors they could not refund my money. The individual continued to repeat about risk factors that had nothing to do with my purchase considering I had the receipt, money order, money order receipt, drivers license. I was told that I needed to take it to another establishment to get my money and would have to pay whatever fees they would charge. This is consumer fraud. They should not be in the business if they refuse to honor the money order program as designed. Now I am stuck with a money order I can not use and the company refuses to refund my money.
03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH XXXXX	Web	Servicemember
On several occasions I have contacted XXXX XXXX XXXX XXXX and requested to have them removed from my credit report. They are or were listed currently as a being a CHARGE OFF for {$32.00} and additionally had me listed with CHECKSYSTEMS for this same debt that I was not even aware of. All this is to say that I disagreed with the debt and that did not matter. RN IT IS is wrongfully on my credit report. I have now been refused credit multiple times because of this institution. It is showing on all credit agencies, and it is absolutely wrong... Please help restore my good name and credit, place fines on XXXX for what they have done to me and others like me. I hope to hear back from you at your earliest. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX ******** All I did was go to check my balance of my XXXX checking account at a XXXX XXXX XXXX XXXX XXXX and my account was at a XXXX balance still. But because I checked it at a NON XXXX atm, it charged me a fee that I wasn't aware of and put my entire account in the negative. The bank therefore charged me a overdraft fee .... hence the fee of {$32.00} above!!!
11/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WY XXXXX	Web
I attempted to open an account with XXXX XXXX as my fianc is a member ; however, I was denied stating my reputation had been tarnished by a previous bank. So, I ordered my ChexSystems report and found an account reporting by XXXX XXXX XXXX XXXX XXXX for {$1100.00}. I have no knowledge of this debt. The last time I used XXXX was before I was XXXX to a XXXX XXXX. However, prior to going to XXXX, my account was NEVER delinquent, and I made sure of that. I Received a refund check from the State of Georgia for stolen property by the XXXX. I deposited the check into my account, adding to the existing balance to total more than {$2000.00}. I had a rental for a few weeks, so the cost was exceeding ( {$1100.00} ) however, I knew my account would cover it. After I deposited the check, I never had a chance to check my account account again because shortly after, I was XXXX. From XXXX, I went to XXXX for three years. So, if there were any discrepancies with the account, I HAD NO KNOWLEDGE. When I got out of XXXX, all the mail had accumulated at my mothers home. None of the mail was from XXXX XXXX about a past due balance.
08/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	IL 60613	Web
XXXX has successfully closed my checking account due to an overdrawn amount ( {$510.00} ). This is after a supervisor threatened me to be reported to chexsystems, in which they did affecting my ability to apply and get approved with other bank services. What's horrid about this is they have consistently failed to address my concerns including follow ups via chat and phone calls. I never neglected my overdrawn account, I'm the one who has communicated with them properly, but in return, I was given false or misleading information. They were no proper channels of communication from their end. Even XXXX, their so called " XXXX XXXX '' failed to truly identify their mistake, which I believe is the inability to connect and address concerns from their customers. He claimed that they followed the law and regulations that are congruent to reporting, but failed to re investigate and grasp the root cause of this chaos. If proper communication was only given to me, I would have proceeded to go another route ; if proper expectations were set firsthand, I would have not relied to any of their services pertaining to disputes.
10/31/2022	Yes	Checking or savings account Savings account	Managing an account Problem accessing account	TX 75077	Web
Dear Sir or Madam : I am writing you because Chex Systems provided information that allowed adverse action against me based on the information they provided. Chex Systems never provided details as to the allegations against me. Consequently, per section 609 [ 1681g ] ( b ) Free disclosure after adverse notice to consumer of the Fair Credit Reporting Act I am entitled to a free credit report. The federal Fair Credit Reporting Act ( FCRA ) specifies section 611 ; subsection 1 ( A ) that a 30-day period beginning on the date on which the agency received the notice of the dispute from the consumer or reseller is reasonable time to reinvestigate and remove the inaccurate information. Moreover, Section 611, subsection 5 ( A ) states that any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer This verification was not done. Consequently, the adverse information from ChexSystems must be deleted from the report as soon as possible.
03/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL XXXXX	Web
there should be a catagory for ''CREDIT REPORTING CRIMES AND FRAUD '' this would explain chexsystems making bad reports on my good name WITHOUT HAVING ANY TANGIBLE PROOF OF ANYTHING, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND they send me a letter i have a ''consumer file '' how did that XXXX happen? I am not thier comsumer, can i see evidence that im a consumer of chexsystems? SHOW IT TO ME, AND WHO THE XXXX MADE ME A CONSUMER NUMBER WITHOUT MY CONSENT? AND THIS IS A CRIME FOR SURE, LET ME GET THIS STRAIGHT FOR THE UMTEENTH TIME, IM NOT YOUR CONSUMER, IM NOT YOUR MEMBER, IM NOT YOUR CUSTOMER, AND YOU CAN NOT HAVE MY SOCIAL SECURITY ACCOUNT ACCESS, ITS A TRUST ESTATE ACCOUNT AND I FORBID XXXX TO ACCESS IT, AND NO IM NOT GOING TO VISIT YOUR WEBSITE BECAUSE I DO NOT HAVE A CONTRACT WITH YOU CRIMINALS, AND IM NOT GOING TO CALL YOUR XXXX XXXX ON THE PHONE WHICH ASK ME FOR PERSONAL INFORMATION WITCH IS NONE OF YOUR XXXX BISNESS, I WANT TO KNOW ALL WHO YOU ARE REPORTING FOR AND I WANT FULL DISCLOSURE OF ALL REPORTS WHICH YOU HAVE FAILED TO DO OVER THE PAST YEARS AND COMMITTED MORE FRAUD AND CRIMES
07/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77450	Web
XXXX XXXX Account : XXXX has violated my rights under 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
03/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL XXXXX	Web
there should be a catagory for ''CREDIT REPORTING CRIMES AND FRAUD '' this would explain chexsystems making bad reports on my good name WITHOUT HAVING ANY TANGIBLE PROOF OF ANYTHING, XXXX XXXX XXXX XXXX XXXX IM SICK OF THESE XXXX, AND they send me a letter i have a ''consumer file '' how did that XXXX happen? I am not thier comsumer, can i see evidence that im a consumer of chexsystems? SHOW IT TO ME, AND WHO THE XXXX MADE ME A CONSUMER NUMBER WITHOUT MY CONSENT? AND THIS IS A CRIME FOR SURE, LET ME GET THIS STRAIGHT FOR THE UMTEENTH TIME, IM NOT YOUR CONSUMER, IM NOT YOUR MEMBER, IM NOT YOUR CUSTOMER, AND YOU CAN NOT HAVE MY SOCIAL SECURITY ACCOUNT ACCESS, ITS A TRUST ESTATE ACCOUNT AND I FORBID XXXX TO ACCESS IT, AND NO IM NOT GOING TO VISIT YOUR WEBSITE BECAUSE I DO NOT HAVE A CONTRACT WITH YOU CRIMINALS, AND IM NOT GOING TO CALL YOUR XXXX XXXX ON THE PHONE WHICH ASK ME FOR PERSONAL INFORMATION WITCH IS NONE OF YOUR XXXX BISNESS, I WANT TO KNOW ALL WHO YOU ARE REPORTING FOR AND I WANT FULL DISCLOSURE OF ALL REPORTS WHICH YOU HAVE FAILED TO DO OVER THE PAST YEARS AND COMMITTED MORE FRAUD AND CRIMES
06/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	CA 92543	Web
I had tried opening an account with XXXX XXXX XXXX at the beginning of the 2021 year, but was denied because ChexSystems. I had a previous opened account with XXXX XXXX XXXXXXXX and my account was closed immediately, in suspicion of fraud that was not presented by me. I had reached out to XXXX XXXX XXXX at the time to recover this however they were not willing to help me out whatsoever. I am a victim of fraud but can not gain any help. I called Chexsystems and I gave my personal information and at the very end of the long call I was told I should receive my personal report. But after more than 3 months, I have not received anything at all. I then go to the ChexSystems official site and I fill out the form to request my report, I've done this various of times, and like usual I am directed to a page saying, Error : A security quiz based on the information you provided could not be generated. Please contact ChexSystems to submit your request using another method, '' after submitting my report more than once on different days. This is very unsettling as I have tried requesting my report several times.
01/31/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 117XX	Web
I am formally contesting the inclusion of certain accounts on my consumer credit report, as detailed below, stemming from either data breaches or fraudulent activities. FCRA Section 605B [ 15 U.S.C. 1681c-2 ] governs the deletion or blocking of accounts in such instances. Additionally, FCRA Section 604 [ 15 U.S.C. 1681b ] outlines the permissible purposes of consumer reports. I request concrete, verifiable proof bearing either my signature or electronic signature to validate the presence of these accounts. This communication represents my interests, and I urge a comprehensive review. The actions taken, unauthorized on my part, violate my consumer rights under the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ], and Section 604 [ 15 U.S.C. 1681b ]. I have discovered that the entities responsible for these actions failed to provide proper validation or original documentation. The following personal information and collections are under dispute : Incorrect Name : XXXX XXXX ; XXXX, XXXX, XXXX Incorrect DOB : XXXX Collections under challenge : XXXX. XXXX - XXXX XXXX. XXXX XXXX - XXXX
08/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95212	Web
I am submitting this CFPB Complaint to dispute the fraudulent account listed on my credit report. I recently received a copy of my credit report and was shocked to find that there is this account that I did not open and have no knowledge of. The account in question are is : XXXXXXXX XXXX XXXXXXXX XXXX Original Charge Off Amount : {$1100.00}. I can assure you that I did not open this account or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. IN accordance with the Fair Credit Reporting Act section 605b, I am requesting that the company involved investigate this account and have this account removed from my Credit File. I have here attached a copy of the FTC report I received from the FTC for reporting the theft of my identity and used to having this account opened under my name. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
03/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD XXXXX	Web	Servicemember
I filed a complain once before regarding an older account that I had with my husband jointly that I was forced to pay. He and I were no longer together and he was told by a judge not to utilize any accounts, yet he did and it was clearly for an item associated with him. A gym membership to be concise. XXXX advised me to get a police report in order for them to take into consideration and I did. This time around there is Fraud on my report and that was reported not only to the police but the XXXX because an ID Card of some sort was made using Maryland when I have been a bonafide District of Columbia resident for over a decade. I am tired of having this affect my ability to bank within normal capacity and something needs to be done as it is unlawful to maintain a record of fraud on someone's report. I have not had any problems with companies that understand how the Fair Credit Act works. I am wasting time and resources fighting this agency and do plan to file a complaint with The Office of Attorney General today as well. I have given the police reports and formally written dispute via U.S. Mail.
01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	WA 983XX	Web
This is my third complaint about ChexSysstems. They asked me to dispute items on the ChexSysstems report to the tune of which I have I have also asked to see if XXXX understand and be the liaison to the fact that I am disputing the entire report the entire report is incorrect all XXXX pages every bank of the United States on there plus a fraud alert none of that is accurate and XXXX asking that all be removed or for them to explain why its on there and I keep getting the same XXXX redundant statement we are ChexSysstems XXXX creditor. That has nothing to do with my dispute its just passing the buck like they always do. I have tried to get this cleared for XXXX years and it doesnt go any further than where we are now because ChexSysteXXXX refused to prove that I have these erroneous accounts and they just go with what their XXXX XXXX collector says deliver credit check systems other data collector is wrong give me a break XXXX speeding every item on that report all XXXX pages that should be an indication. Who has a report XXXX pages long and has no bank account he cant get XXXX but doesnt owe
05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30101	Web	Servicemember
im filing this complaint with chexsystems, there is over 39 inquiries tgat are fraudulent on my credit reprot they need to be removed, i did not check my credit and these were done by someone using mg information to check my credit, i am a victim if identity theft, i wll tkse screen shots of this reprot and send them to chexsystems, all 39 of inquiries needs to he talking off, this identity theft report is a police report, i do XXXX a law firm hired to clear this up if this is not done by chexsystems at my request i will turn this over and let them file a lawsuit because chexsystems has ignored my request and the evidence to show im a victim of identity theft and i wmat these inquiries roved asap, my information was leaked on the dark web where it was compromised, I want all 39 of these fraudulent inquiries removed from my report as I did not check my credit at all and I want this matter to be done by chexsystems, I have been ignored and Im tired of it, I spoke with my attorney and two investigators this identity theft report is the same as a police report, please take care of this thank you.
05/06/2023	Yes	Checking or savings account Savings account	Opening an account Unable to open an account	TX 75068	Web
I tried to open a checking and saving account with XXXX XXXX XXXX XXXX and was denied. The reason I was told n shown in the denial letter is derogatory information about me on my credit report from Chex system. I contacted Chex systems as told my XXXX. I was informed there is no derogatory information on my credit report/file and they are not reporting any on my report either. Went back to XXXX, informed them and they told me the same thing, refusing to call or checking with Chexs system to validate the information. Chexs system also sent a copy of my credit report proving there is nothing derogatory I brought this report in branch to show XXXX and I was told the credit report directly from Chexs system was not sufficient proof. Im not sure if Im being discriminated against or being singled out. I went the extra mile to show XXXX that their information is incorrect and was kindly asking them to validate, which they refused. Why is XXXX saying both myself and Chexs system are lying or why r they lying to me that Chexs system is saying/reporting that I have derogatory information on my report?
05/03/2019	Yes	Checking or savings account Checking account	Problem with fraud alerts or security freezes	NJ 076XX	Web
What I am about to report now is that a person named XXXX XXXX caused a problem by opening a bank account with my social security number. The banks with the problems are XXXX XXXX, XXXX XXXX XXXX. I heard from my bank XXXX that on XX/XX/XXXX, there was a problem with the checking account, so I could not open the bank account. Here is what I got from XXXX XXXX & XXXX XXXX. XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX, NJ came to the bank with XXXX XXXX 's ID and my social security number, and he took about {$53000.00} from XXXX XXXX and did not pay back last XX/XX/XXXX. This is not the first time who XXXX XXXX caused problems with my identity. I have reported to the XXXX Police department on XX/XX/XXXX. The case number is XXXX. On XX/XX/XXXX, I also reported to the XXXX XXXX Police department and the reports number is XXXX. another problem, XXXX XXXX even does not try to help this case at all. I went to XXXX XXXX Branch office and called them many many times but, they do not want to answer anything to me. I do not know how to get information. XX/XX/XXXX XXXX XXXX XXXX
01/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	FL 331XX	Web
There are multiple misspellings of my name, inaccurate phone numbers and addresses i am not associated with. I would like to make sure my credit report is up to date and has the correct information. There is also an incorrect social security number connected to my name. These names are incorrect : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX A XXXX, XXXX XXXX XXXX These addresses do not belong to me : XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX. numbers are not associated to me : XXXX, XXXX, XXXX Incorrect social security number : XXXX
06/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75082	Web
Chexsystems continues to violate all of the FCRA laws in place to protect consumers and victims of identity theft. Not only did Chexsystems advise they wouldnt assist me with the inquiries they let go through WITH A SECURITY FREEZE ON MY REPORTS. Additionally these inquiries are duplicated and triple. I did not authorize these nor did I apply for any bank accounts. Also they have fraudulent addresses listed on my Chexsystems reports I have disputed these as well as requested this be blocked. The FTC is a Government Agency setup to assist consumers and protect their rights. As a victim of identity theft and by the FCRA laws, and also according to your website. If I provide you notice of Identity theft, also provide you a document declaring Identity theft, I have a legal right to ask the consumer agency to block this information. Additionally you stated XXXX XXXX inquiry in XX/XX/XXXX was authorized, however I havent applied for any account or service with them in XX/XX/XXXXat all. Therefore that is false and you continually put fraudulent information on my reports abusing me as a consumer.
02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 08094	Web
I previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct, and remove the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. However, 2 months had passed and the Credit Bureaus have failed to send me copies of documents they are required to send me and claimed that the accounts are verified. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please correct and or remove the following accounts from my Credit report : XXXX XXXX XXXX XXXX
11/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	TX 787XX	Web
CHEXSYSTEMS Consumer ID : XXXX XXXX XXXX XXXX checking account ending in XXXX was reported to chexsystem by XXXX as " Suspected fraud activity ''. After filing the dispute chexsytems, they told me XXXX XXXX XXXX reported information was verified. But now they reported closure status : " SETTLED IN FULL '' - Attached copy of investigation from chexsystems. I have disputed transactions on XXXX, but they closed down the account and reported it " SUSPECTED FRAUD ACTIVITY ''. Account has no balance as stated in the investigation letter by CHEXSYSTEM Report. I have every right to report any transactions i didnt do as " Unathorized '' with the bank. But XXXX closed out the account because it has a balance i had to pay for some of the disputes that i lost which i should have won. They reported it as " suspected fraud activity ''. It is very unfair and it has a very barring affect on my life. Please help me settle this removal of " fraud ''. I am willing to provide and go to press if requested. Please check the attachment of the investigation letter from Chex. Thank you, XXXX XXXX
04/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
Chexsystem 's continues to deny my claims that i have identity theft even though i have filed a FTC Identity theft report which i will attach. ChexSystems is reporting that i have " Account Abuse '' with a XXXX XXXX. Which i have never banked with. This is a credit union, i have contacted numerous times and they refuse to work with me. They tried sending me a pay to delete letter but chexsystems still didn't remove it. I advised Chexsystems and XXXX i have experienced Identity theft. I want ChexSystems to actually review my claims instead of just denying my disputes saying if i don't file a police report they won't investigate. A FTC Report is essentially a police report, the local PD can review these reports. I want this information updated and removed from my ChexSystems report as it is causing personal harm to me. Per the FTC note to furnishers, false information and fraudulent information should be removed immediately per the FCRA requirements of identity theft. Please review the attached report. Remove the accounts for XXXX which i never opened and XXXX XXXX and XXXX XXXX XXXX.
02/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	MO 631XX	Web
My XXXX XXXX XXXX personal checking and savings account were closed XX/XX/XXXX. I was informed that there was a balance due on my account of {$79.00} and upon remitting payment, I would be able to open another account. I completed payment on XX/XX/XXXX. Once again, at this time, I was told that I would be able to go into a branch and open an account. when I received my consumer report from chex systems to verify this had been removed, I see there is a statement that says Suspected Fraud Activity. I had previously disputed this information in XXXX and forgot about it. I never recieved a copy of the dispute or the results as required by law. When I called XXXX XXXX XXXX to get this situated, I receive 3 different stories from the Recovery Department, Risk Department, & Fraud Department. No suspicious activity has ever been brought to my attention. How is it that the company can report, " suspected fraud activity. '' I still have open and active accounts with XXXX XXXX XXXX. If there was suspected fraud activity, why would my accounts stay open. I need this removed from my consumer file.
08/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
I received a letter with my correct name and address regarding a " company payroll check # XXXX in the amount {$12000.00} '' that was returned unpaid. This is a check paid to a supermarket ( XXXX store XXXX in XXXX, CA ) that I have not been to regarding use of cheques which I haven't done in years and finally it is for a spectacular total for groceries for a family of XXXX. And it's for a " company payroll check. '' I have no business, nor employees. I have listed XXXX as the origin of the " debt. '' It does appear that XXXX uses XXXX but I have not used XXXX at that location or very much in person in the past year and I haven't used a cheque in ages, much less a " company payroll check. '' The two companies involved are both disreputable and may be intertwined in some way. They are the so-called client and now owner of " my '' fictitious check - XXXX XXXX XXXX, XXXX and the " collectors '' XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL ( surprise! ) XXXX at XXXX with claims accounting address in XXXX, FL. They seem to be " legit '' companies engaged in scams.
10/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	NY 10032	Web
I requested a " re-investigation '' into the information reported to Chexsystems by XXXX XXXX only to receive a letter back from Chexsystems saying that the date of bankruptcy filing was prior to the date of the information being reported, and that if I wanted to further dispute the information, to submit further documentation such as a list of creditors indicating that the specific account had been included in my bankruptcy. This just happened to be the exact same document that I submitted in my original dispute request to them, so they knew going in to the the dispute that the account was included in bankruptcy, chose to ignore my dispute, continue to create roadblocks, and report erroneous information. I then attempted to contact them to discuss the response letter and was informed that only one person in the entire company can speak with me regarding my file after providing them my consumer ID XXXX, and that I would have to wait for a call back, which of course took 6 hours, and I missed because I was at work, so who knows if and when I would ever be able to speak with " XXXX ''.
06/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Didn't receive services that were advertised	WA 98115	Web
I submitted my first complaint on on XXXX. " I am a victim of identity theft, and someone opened a checking account with XXXX XXXX XXXX XXXX with my name, SSN, personal info. I have done all the work to recover and I want to review ChexSystems Report to understand if any other checking accounts were opened under my name. I have received the report from ChexSystems but I do not fully understand this report. This report also did not show the fraud account with XXXX XXXX XXXX XXXX. I would like to talk to a human from ChexSystems, but I have not been able to reach any human from that company. '' I got a response on on XX/XX/16, but it does not help with answering my questions. I need to speak with a customer representative, and the response I got was " XXXX XXXX may contact ChexSystems by telephone at XXXX and select other options to speak with a representative. '' Please note I called that number, and there was no option to select " other options. '' I am still unable to speak with a real human being. I would like to speak with a real human from ChexSystems please. Thank you, XXXX
08/11/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NV 89115	Web
ChexSystems, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX had release to XXXX, FALSE information about my credit report information, consequently, 4 applications for credit were denied injuring my rights to obtain credit. CheckSystems released outdated information, more than 7 years old, which not longer exists becuase of the statue of limitations are not longer legally to report to nobody. Also, ChexSystems provided an old address and phone numbers belonging to other people in other State which is FALSE. There is not any records of any jusgement against me, bankruptcy or liens filed against me by Federal or State goverments. My credit score with XXXX is above XXXX. Therefore, ChexSystems decision to publicly released FALSE information was intentionally made with the objective to inflict personal harm. As the result of ChexSystems'action my applications to obtain credit were rejected by 4 potential lenders. I affirmed that as long ChexSystems continues inflicting personal harm to customers like myself, this company should not be permitted to conduct this type of business.
07/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38118	Web
I learned from authority and being under investigation that am a victim of identity theft. The FBI told me it 's an inside job. My drivers license have been stolen with the names XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. My date of birth have been changed with all three credit agencies. All of my former employers have been changed. My social security card have been stolen. I 'm using my maiden name, which is XXXX. A seven year fraud alert have been placed on all three credit agencies. XXXX XXXX once lived with my late father XXXX XXXX XXXX. She knew he was my emergency contact, prior to his XXXX and was stealing my mail. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX are sisters and they are working together. In 2005 I filed a XXXX XXXX law sue. My XXXX was prepared by them without my knowledge. Credit was being abused while I was under wage earner, my rights was violated under the wage earner courts. The case number for the law sue is XXXX. XXXX XXXX XXXX. Tax returns are being filed using my personal information. Fraudulent transitions are being reported to IRS. XXXX-mortgage statements.
02/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34787	Web
15 USC 1881b Permissible Purpose of consumer report, 15 USC 1681c-2 Block of information resulting from identity theft, 15 USC 1681n civil liability for willful noncompliance. THESE TWO COMPANIES VIOLATED MY CONSUMER RIGHTS, XXXX XXXX XXXX WLLING GAVE AWAY MY PERSONAL INFORMATION WITHOUT MY CONSENT, CHECKSYSTEM, AND XXXX XXXX FURNISHED THAT INFORMATION ON THEIR PLATFORM WITHOUT MY CONSENT. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. USC 1681 ( 3 ) ( e ) The term investigative consumer report means a consumer report a portion thereof in which information on a consumer character, general reputation, personal characteristics, or motive living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he or she is acquainted or may have acknowledged concerning any such items of information. Checksystem never interview any of my neighbors or close friends during this investigation of my report. These corporations have violated my consumer rights.
08/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	SC 29483	Web	Servicemember
On XX/XX/XXXX I tried to open a XXXX checking account and was told they could not open it because chexsystems was frozen. I told them I have never frozen it so they called chexsystems and they said it was not frozen to try and pull again. They did this again and it came back again saying frozen. On XX/XX/XXXX again XXXX tried again to pull my report and it came back saying chexsystems is frozen. We called again and was told it is not frozen. Chexsystems told them to pull it again and they tried again and was still showing frozen. I ordered a copy of my report and called in and was told again it was not frozen. I have never had a problem in my life opening a checking account and now I have 4 XXXX inquiries I want removed because all 4 times chexsystems said it was frozen. On the back it says XXXX XXXX frozen. Yes I did freeze that but not chexsystems. It was frozen because of the breach XXXX XXXX had. I would like that removed from my chexsystems report as that is coming through to banks that I have my chex report frozen which I do not and never have. Dl number is XXXX ss XXXX
11/30/2021	Yes	Checking or savings account Other banking product or service	Opening an account Unable to open an account	CA 95687	Web
I can not open a checking account and the 'Chex Systems Inc ' that denied me wont tell me why without trying to harvest and sell all my personal info. Yall are getting played like chumps by these banks and online companies. There should be a single use code on the sheet they gave me or something, I shouldn't have to give them valuable information for them to tell me if someone stole my identity or not. I knew it was fishy when they wouldn't tell me why. So I called them. And when I call them I can hear their dogs barking in the background and I'm like ( paraphrased ) '' are you selling my info? '' and the lady is like ( literally ) " well, uh... no... '' And so I was like " bruh, you got ta lie better than that. You got ta just say no next time. '' and she didn't say anything. Finally after like 30 more seconds of her trying to jerk me around I asked her. " So your just here to jerk people around and tell them to go XXXX themselves, you're not gon na help me at all are you. '' and basically she thanked me for being in good humor and laughing about it, then hung up.
09/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37076	Web
I never provide my consent to report any of my nonpublic private consumer information. This is authorized use and is identity theft. I hereby Opt-Out of any consent obtained to report my nonpublic private consumer information pursuant to Regulation P of the CFR. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
04/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 109XX	Web
Recently, I tried to open a checking and saving account at XXXX XXXX XXXX after refinancing my car loan with them. And my account representative, XXXX XXXX was able to open a saving account for me. But, she could not open a checking account for me, because another bank reported me to the Chex Systems credit union. The Problem is with a previous account that i had with XXXX XXXX XXXX XXXX The Bank reported that i did account abuse. I think that it is inaccurate. As far as i remember, I had some overdraft charges on their checking account that i opened. And i disputed some of the charges with them. There were too many overdraft charges, and i asked the bank to close my account. When i was closing the account, there was an overdraft charge on my account that was supposed to be waived by the bank. Because i spoke with customer service and resolved the problem. I can not remember the full account number. The account ends with XXXX with routing number XXXX I try to avoid overdraft charges. And i have two other checking accounts with XXXX XXXX and XXXX XXXX XXXX
10/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33810	Web	Servicemember
My identity theft is not being taken seriously and was not included in any reporting that XXXX did to early warning services which has made it impossible for me to open a bank account plus it affected the current account I had causing a freeze and they are reporting information to the agency wrongfully and have not responded To any notices sent on behalf of me and the FTC on XX/XX/2018 and also they havent responded to a police report number submitted prior to that on XX/XX/2018 for the fraud committed in my name. It went as far as affecting my auto and renters insurance and I received nasty letters from my XXXX XXXX and property insurance company starring they would cancel my insurance because of what XXXX REPORTED. Ive called dozens of times to talk to a live rep and each time was put on hold to be told after 20 minutes they couldnt be reached in the security department that I would receive a call back and I never did. Then my email was part of my idintity theft and they continued to send emails to me even though I could not access the accounts that had been hacked.
05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98107	Web
After reviewing a current copy of my credit report on XXXX XX/XX/2023, I contacted the customer service center of XXXX XXXX XXXX to address its entry on a Chex Systems report from XXXX XX/XX/2023 for an unpaid balance of {$220.00}. This unpaid amount represent unauthorized charges in connection to identity theft reported to law enforcement agencies. The customer service agent directed me to send an email to the company about the issue. I objected and insisted upon speaking with a person in charge because the issue of identity theft necessitated speaking directly with someone. The customer service agent attempted to route my call to a supervisor queue where the caller has the option of leaving personal information. I objected stating my hesitance to leave my personal information in a voicemail system where no one would return my call within 48 hours. Although I conveyed the gravity of identity theft in connection unauthorized charges to the closed bank account, the customer service agent left the impression XXXX XXXX XXXX does not take identity theft issues seriously.
01/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30228	Web
I submitted a complaint to chexsystems through CFBP and the company responded that they are still working on the issue. I'm complaining that they should work quickly to remove my file and delete the erroneous information from their systems. I am complaining and noting that chexsystems should know that there is no time to resolve this issue. They could be arrested, in jail or subpoenaed within 60 days if they don't act immediately. Normally within 15 days. It is illegal to place an individual 's information in chexsystems or any other credit report file, randomly for no cause. Chexsystems deals with bounce checks and bank fees, and direct misuse of accounts, not " suspected ''. Possible alcohol and substance abuse is nationwide known factor in wrongful suspicion, along with other factors as well. Chexsystems has had XXXX years to work on this issue and should have declined the bank 's faulty objection in 2017. They are supposed to have knowledgeable personnel who won't make these kind of errors. I am complaining about this. I am complaining that there is no more time.
05/07/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	CA 95864	Web
I had an account with XXXX XXXX XXXX ( XXXX ), a checking account ... I was to collect money to make payments to a lawyer ... A person that was suppose to deposit money to my account deposited a check for Approximately 4,000.00 dollars ... I was waiting for the check to clear, a day. The next day I checked my account to see if the check had cleared ... It had NOT cleared ... They said they were going to send the check back to the sender and they were going to place a bad comment on my CheckSystems account ... They then closed my account ... I have tried to open another account, but I ca n't because of their bad comment on the ChekSystems about me ... I did not do anything to deserve this bad comment ... It was not me who tried to defraud the XXXX ... It is their bad comment that has hurt me ... I am a XXXX Veteran and I need a way to do banking .... I am very careful with my banking and have never done anything to create a problem with an account .... This a very unfair practice of XXXX .... They should n't be able to hurt someone and not be accountable for it ...
12/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OK 741XX	Web	Older American
We received a notice in the mail from Complete Payment Recovery Services , Inc. of XXXX, AL demanding payment for a returned check # XXXX for {$460.00}. The notice was addressed to " XXXX XXXX. XXXX XXXX. '' We are now receiving frequent recorded massages on our landline phone demanding immediate payment. That is not the name of our company. We are a husband and wife marketing firm with no employees and do not issue payroll checks. Nor do we show in our records any check numbered XXXX for {$460.00}. We called the number provided on the notice ( XXXX XXXX XXXX ) after talking by phone with a representative at the Consumer Finance office. The person we were finally able to get ahold of at Complete Payment Recovery Services , Inc. was very rude and kept trying to get more information from us, saying she needed more information about our company in order to answer any question we had. We did n't give her the information she was requesting. ( Example : full names, name of company, etc. ). We explained we were going to file a complaint with Consumer Finance and hung up.
02/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	NY 11413	Web
I am attempting to apply for local credit unions in my area and they stated that there was a security freeze on my Chexystems profile. I contacted Chexystems and they stated that there was no freeze. However all of the credit unions have stated there is one and what they say comes up is THIRD-PARTY SECURITY FRZ ALERT on the chex systems report. Chex systems states there is no indication of this. This is stopping me from moving on with my life. Legal litigation will be pursued as they are in violation of the fair credit reporting act. I expect them to do their research and remove this third party security freeze alert immediately from my chexysystem profile as that has nothing to do with my chexsystem profile. I will upload my identification as proof and also proof of my social as well as a letter from one of the credit unions stating what comes up when they pull my chexsystem. Please get to the bottom of this! I applied to XXXX and XXXX XXXX XXXX XXXX and they both are getting the same response from chexsystem. I can't move on with my life. Please Help Me!!!!!!!
07/29/2015	Yes	Credit reporting	Credit reporting company's investigation No notice of investigation status/result	CA 903XX	Web
I HAVE ATTEMPTED TO CONTACT THE REPORTING AGENCY, CHEXSYSTEMS, VIA MAIL SEVERAL TIMES IN REGARDS TO THIS REPORTING MATTERS. I HAVE ALSO TRIED TO INFORM XXXX XXXX XXXX ON THE REASON WHY I WAS SHOULD HAVE NOT RECEIVED CERTAIN CHARGES, YET THEY CLOSED MY ACCOUNT AND REPORTED ME TO THE AGENCY. DURING THAT TIME-FRAME, I WAS NOT IN THE CORRECT MIND-FRAME TO BEING KNOWLEDGEABLE OF WHAT PROPER PROCEDURE TO TAKE TO HANDLE THIS ISSUE. I WAS A COLLEGE STUDENT AND A XXXX WHO WAS DIRECTLY FOCUS ON MY XXXX CAREER AND MAKING A BETTER LIVING FOR MY CHILD. I WAS SEEKING HELP FROM BRANCH BANKERS, CUSTOMER SERVICE REPS & THE REPORTING AGENCY YET NO ONE GAVE ME THE DIRECTION TO HANDLE THIS ISSUE. I FEEL I HAVE NOT BEEN GIVEN A FAIR OPPORTUNITY TO HANDLE MY PERSONAL BANKING ISSUE AND WAS TOSSED AROUND TO VARIOUS DEPARTMENTS WHO COULD NOT FURTHER ASSIST ME. IN ADDITION, THE REPORTING AGENCY STATES THEY ONLY HOLD THE REPORT FOR 5 YEARS AND THIS ISSUE HAS MADE ITS 5 YEAR ANNIVERSARY MARK THIS XXXX 2015. ACCORDING TO THEIR POLICY, AFTER THE 5TH YEAR IT IS THEN REMOVED FROM THEIR AGENCY.
10/25/2020	Yes	Money transfer, virtual currency, or money service Check cashing service	Unexpected or other fees	TN 37205	Web
I used the " E-Check '' service to pay my XXXX XXXX XXXX account with prepopulated information. Somehow the 3rd party, FIS who is contracted by XXXX XXXX XXXX to handle these payments caused an error. My payment was " returned '' and subsequently I got a notice stating that an other account ( with a name I am not familiar with ) had the payment bounce. My bank shows no record of even a payment being attempted. Now I have incurred a {$30.00} fee for a " returned payment '' when it was not even my account. It seems impossible to actually call or contact FIS at all. XXXX XXXX simply claims it is a {$30.00} fee because " our 3rd party charges it ''. There are several issues with this. XXXX, no payment attempt was made. 2. privacy issues have been breached with someone else 's account being mixed up with mine. 3. a {$30.00} fee charged to my account when there was never a payment attempt is a violation of Tennessee law and also a violation of UDAAP under Dodd-Frank. FIS has no reason to charge me a {$30.00} fee. It is ridiculous there is no way to resolve this.
03/08/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NY 11566	Web
I am filing a complaint because I received a call today from my XXXX brother that has the same name saying that he has been denied opening an account because there is information being provided to the institution with our name and my social security number XXXX They are explaining to him that since we have similar information our files are being linked. I have never conducted business with XXXX XXXX and the address reported with the account is a fraudulent address that was being used to obtain credit in my name. I have filed several police reports on this identity theft issue and chex systems has copies of all reports filed. This account shows it was reported last year when the fraud had occurred. This needs to be removed from my file immediately as it is not mine. My file should also not be mixed with my XXXX brother as our socials are completely different and we do not share the same address. as you can see on the report that was provided to my brother they input his information and they provided the institution with the fraudulent account with my social.
05/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33137	Web
You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. { dispute_item_and_explanation } XXXX XXXX ; Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/04/2021	Yes	Checking or savings account Savings account	Opening an account Unable to open an account	TX XXXXX	Web
On XX/XX/XXXX, I called ChexSystems to dispute inaccurate and negative information in the file ChexSystems maintains under my Social Security Number that has financial institutions suspecting fraud when deciding to open an account with my social security number. My application was rejected due to ChexSystems reporting my Social Security Number was issued in XXXX in Tx. In which is not true or correct information. I was born in the latter part of the XXXXXX/XX/XXXX. Therefore, the information ChexSystems is reporting regarding my social security number being issued in XXXX is totally inaccurate and misleading and not true. And it is damaging my character, affecting my ability to open new accounts. According to FCRA, Section 623 ( a ) ( 3 ) this is for creditors/banks. ChexSystems is not abiding by any of the laws set forth by the Fair Credit Reporting Act. The statement ChexSystems has on the report for my social security number is a lie! And is defamation of my character. The public should be made aware of the unethical business practices by ChexSystems.
06/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WA 98133	Web
I have sent 2 letters to Chexsystems regarding inaccurate information on my chexsystems report and they have failed each time to validate the disputed information in regards to federal laws. The first letter i sent was on XX/XX/2020. The second letter i sent was on XX/XX/2020. Both letters sent by certified mail. The only information i get back from Chexsystems is a letter that says the information I am disputing is valid and accurate but how was that validated when i wasnt sent/given any information to prove the validity of the disputed accounts. I was not sent any form or document showing the original form of indebteness bearing my written signature. I wasn't sent any form or document telling me that i opened the account bearing my signature. Verbal and digital authorization doesn't prove validation only a written signature. I'm requesting that because Chexsystems has failed multiple times to validate the disputed accounts that they be removed from my Chexsystems report immediately as they have failed to validate within 30 days of receiving my letters.
02/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95219	Web
ACCT ending in XXXX Around XX/XX/XXXX I had claimed fraudulent transactions on my old XXXX account that was no longer being maintaind actively by me. XXXX falsely concluded that the transactions were not fraudulent and reported " account abuse '' through XXXX without any explanation as to how they concluded the investigation. " XXXX '' from your XXXX XXXX customer service line called me on XX/XX/XXXX and after a 68 minute phone call the conclusion was " You have to call XXXX XXXX to report the account as fraudulent ( even though it was one year ago and has since been closed ) and you owe XXXX as the charges are not fraudulent. '' The conclusion was incoherent and did not corroborate with the " account abuse '' remark on my XXXX report. XXXX was disputed back in XXXX and concluded as valid by XXXX. Again, I submitted multiple pieces of documentation proving that the transactions taking place in the account were fraudulent. I have been an excellent customer of XXXX since XXXX and this type of treatment during a time of identity theft is unwarranted.
05/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA XXXXX	Web
Dear Chex Systems, After reviewing my records with Chex Systems ; I noticed that two checking accounts that were opened fraudulently are still being reported as having belonged to me. The account were from XXXX XXXX XXXX and XXXX Bank. I believe these accounts either belonged to an individual with a similar name that lived in the same city that I used to live in or somebody fraudulently used my information without my consent. I am requesting that you immediately cease reporting of these two accounts and that you purge all my information from being linked to the closed checking/savings account from your system. Failure to do so will result in legal action taken against your company in small claims court. I have never had a checking account with XXXX XXXX XXXX nor XXXX XXXX. If you have proof that I was the individual that somehow opened the account in question, please provide me with all the evidence for review so that I may provide an appropriate response. Please also provide me my Chex Systems score. Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX
07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I was informed by the Federal Trade Commission ( FTC ) the recent Identity Theft Report I sent to Chex Systems in regards to fraudulent and unauthorized inquiries listed on my Chex Systems Consumer Report ID : XXXX, Chex Systems is suppose to accept the Federal Trade Commission Identity Theft Report and immediately delete and remove fraudulent checking accounts and inquiries from a consumer, consumer report. I have sent Chex Systems numerous Federal Trade Commission ( FTC ) Identity Theft Reports in regards to fraudulent and unauthorized inquiries and checking accounts listed on my Chex Systems Consumer Report. Chex Systems continues to keep fraudulent and unauthorized inquiries listed on my consumer report. I want Chex Systems to immediately delete and remove the fraudulent Inquiries Viewed By Others and Only By Me from my Chex Systems Consumer Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Problem canceling credit monitoring or identify theft protection service	GA 30135	Web
I have recently received a copy of my report from Chexsystems. I wrote XXXX XXXX XXXX and filed a complaint with CFPB writing to dispute the following false information reporting in my file. I have circled the items Account # XXXX and Account # XXXX stated it was closed down due to fraudulent activity. I have recently disputed this with Chex System and XXXX XXXX, this is inaccurate information reporting on my report. Im a victim of identity theft, I am requesting that these items be removed to correct this report information. Please reinvestigate this matter by deleting and correcting the disputed items that are showing on my report as soon as possible. In addition, pursuant to FACTA..as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to the fraudulent account ( s ). The copies of the records can be mailed to me at the address listed Above or emailed to me at XXXX. In addition, please make these records available to law enforcement upon their request.
11/13/2017	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	CA XXXXX	Web
I am complaining about XXXX XXXX/ChexSystems. OnXX/XX/XXXX I disputed some information with Chexsystems AND XXXX XXXX for what they reported me to ChexSystems and XXXX XXXX DID NOT respond to Chexsystems about my dispute. Again I filed with XXXX XXXX AND ChexSystems about my dispute. By the FCRA ChexSystems has 30 days to receive information from the institution of what I did wrong. XXXX XXXX NEVER ended up writing to chexsystems and on XX/XX/XXXX since 30 days was on a Saturday Chexsystems REMOVED information from XXXX XXXX what they reported. 2 more extra months went by and on XX/XX/XXXX I get a letter from Chexsystems ( 3 months after ) that " since that time, the source of the information has certified that the information is accurate, therefor, it has been reinserted into your consumer file. BOTH companies are breaking the FCRA since XXXX XXXX DID NOT respond to me after I filed a dispute to them directly nor did they respond to Chexsystems. It was over 82 days when they reported my information back to chexsystems and they are now reporting it.
08/28/2015	Yes	Other financial service Check cashing	Disclosures	MS 39212	Web	Servicemember
I went to XXXX in XXXX MS to cash my check my check was declined. I have been cashing the same check at XXXX for the past 5 years. I was given a code from Certegy I called their customer service they would not give me a reason but rambled on with different things but it was not specific on the reason. Certegy displays discriminatory evaluating a client when a person is cashing a check and has created a bad customer service for the XXXX Consumer. As of today 's date I have no idea for the decline and they would not tell me and verify the reason why. A few months ago I resolved a check that they said they would delete the check from their system as of today 's date it is still showing in the system as a bad debt and even though they deleted it from other agencies they are still having the same check in their system as not resolved and a bad check. They had already advised they were deleting the check and mark it as a paid and closed account but now they are alerting other check cashing agencies the same information and not deleting the check as agreed.
06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70118	Web
Hello, My name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new home and these items wheny get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade Commission and I also have enclosed copies of the Federal Trade Commission XXXXentity Theft affidavit Please delete the items as soon as possible. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability
05/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 93004	Web
i have been trying to get a copy of my chex systems report for over a year. I received it about a week ago. I was relieved to find I did not have any negative information except one problem there were 56 Inquiries on my account.! Dating back over 3 years ago!! some were from XXXX? I do not recall intiating them so I made categories of bank accounts they said I had made inquiries too and a list of dates. I called chex systems today and spoke to " XXXX '' from XXXX. who said he could not give me anyother identifying information..Right but he had All Of My information. so I asked him how long to you keep consumer initiated inquiries on an account and at first he said 2 years then he changed it to 3 years. 36 of the the? inquiries are Over 3 years old. I mean im XXXX years old im a citizen iver worked for this country for over 50 years and I kept wondering Why cant I open a bank account?? and now I have my answer ... not sure how I m going to be able to clear this up but im asking for help im really disappointed and upset about this .thank you XXXX
04/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY XXXXX	Web
I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. After the identity theft several accounts were applied for and/or opened in my name without my knowledge or consent. I filed a police report and have attached a copy of it to this complaint. I ordered my Chexsystems report and found the inquiry below which was not authorized by me : XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX
08/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	PA 185XX	Web
On XXXX XXXX 2017, a check, Number XXXX, in the amount of XXXX was presented to XXXX XXXX XXXX in XXXX PA. This account is an XXXX dedicated account ; all disbursements must be by check. I am the custodian on this account, which belongs to a XXXX XXXX XXXX XXXX. The custodial relationship is listed on both the check and the account. On that day, the check was declined without good cause by " Certegy ''. After such decline, a Consumer File Disclosure Report was requested from Certegy.That report 's control number is XXXX The information on that report consists solely of the fact that they declined the check, and that there is no other information on file. Six pages of FCRA legal boilerplate, and NO useful information provided at all. Note that this account is over 8 years old, and carefully managed. There has never been an overdrawn check on this account. Typical use occurs while the XXXX XXXX XXXX or XXXX XXXX, and a declined check could spell a disaster, so having a valid check declined out of hand for NO justifiable reason is unacceptable.
10/11/2016	Yes	Bank account or service Checking account	Making/receiving payments, sending money	SC 29464	Web
When attempting to buy a generator after a hurricane my check was declined by Certegy Check Services. I have had multiple problems with them in the past with declining checks saying I did n't have enough history with them. When I was finally able to get a check approved Certegy sent it off to collections with in a week saying it was unpaid even though my bank shows it paid after talking to them it was found to be an error and they where going to send a letter to me to get my fees refunded from my bank and that never happened. That has made me loose several XXXX dollars in fees to my bank. Fast forward to today when attempting to call for three days in a row since XXXX XXXX and wasting 6 hours I can not talk to anyone to figure out the issue. Certegy has not learned from the FTC lawsuit and is still preventing customers from spending their own money. Their VIP program that is supposed to make writing checks easier is a joke. It is just a way to force consumers to do business with them. I am tired of having to waste my checks that I have to pay for.
06/03/2015	Yes	Other financial service Check cashing	Customer service/Customer relations	AZ 85297	Web
I do not have Bank account. Rather, I use a prepaid debit card from XXXX XXXX that allows me to deposit checks by taking a photo with my phone. Recently, I tried to deposit a {$77.00} check from the U.S. Treasury for federal jury duty via this method. It was declined, and I was instructed to call Certegy check services. I did, and they said they ca n't tell me why they issued a recommendation to decline the check. They are rude, deceitful, and refused to share any kind of information that would explain why they consider a check from the U.S. Treasury a " risk ''. I am unable to do anything with this check since virtually all other check cashing stores, grocery store money service counters, etc. all use Certegy to verify checks. With just a little internet research, you 'll see that many, many complaints about Certegy have been logged, regarding the same type of poor customer service, dishonest behavior, and arbitrary decisions to decline perfectly good checks. It seems their only purpose is to make it exceedingly difficult to just cash checks.
06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70118	Web
Hello, My name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new home and these items wheny get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft affidavit Please delete the items as soon as possible. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability
06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70118	Web
Hello, My name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new home and these items wheny get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft affidavit Please delete the items as soon as possible. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability
06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70118	Web
Hello, My name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new home and these items wheny get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft affidavit Please delete the items as soon as possible. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability
06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70118	Web
Hello, My name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new home and these items wheny get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft affidavit Please delete the items as soon as possible. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability
06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70118	Web
Hello, My name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new home and these items wheny get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft affidavit Please delete the items as soon as possible. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability
01/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 983XX	Web
Reaptedly, I have asked ChexSystems to review the information they give out on my report, as I can not open up a bank account. I have applied to just about every bank, or financial institution literally in Washington state. I am-continuously denied after being granted an account opening solely because of the information that ChexSystems is reporting and refuses to correct. Upon further investigation check systems refuses to remove any of the disputed items. A fraud warning is a main alert on my file and this is severely WRONG. XXXX to XXXX different bank companies or roughly 70 pages, all with a denials are currently being reported. All of this is an accurate! Ive communicated the blatant and astronomical number of inquiries and the in accuracy of the report mixed with the speed in his items to no avail. I can not get a bank account in the United States! I can not have some place to put my money safe? Its so bad that even third-party insignificant companies like XXXX refuse to work with me because of the things that check systems are reporting.
01/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	WA 982XX	Web
XX/XX/2022 I applied online for XXXX XXXX and XXXX account after reading eligibility requirements which I qualify because I live and work in Washington only to be denied by Chex System Inc for the reasons I will state # XXXX Time since last XXXX inquiry # XXXX Asset ownership history # XXXX closure history # XXXX XXXX closure payment history I also can't cash payroll checks at any grocery store plus it is also the same service for apartment screening this has been a over XXXX years of being discrimination denial and I would like to be compensated and cleared of these false allegations that have been a XXXX year shaming of my character and identity just because my last name is XXXX I really don't know what pricetag to put on a XXXX decade length of false reporting of my identity and character Chex System Inc XXXX XXXX relations phone # XXXX XXXX XXXX and Fax # XXXX XXXX XXXX correcting and clearing the false allegations would be life changing rather then making me feel that the XXXX at the end of my name has kept it this way for over XXXX years
01/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 022XX	Web
Chexsystems received a notification from XXXXXXXX XXXX that my account had been closed due to fraudulent activity. Which is false. I had previously requested to have the account closed remotely ( I had XXXX at the time ) due to their excessive overdraft fees. I nearly took legal action against them until a class action law suit was filed and I was awarded over {$300.00} in reimbursements for fees accrued. XXXX XXXX are now demanding the exact amount I was awarded through the law suit be paid in order for my chexsystems record to be cleared I have requested that Chexsystems remove this record but they said I should negotiate with the bank despite my concerns that the bank was retaliating against me due to my initial complaints. It is a tactic one of their reps said they would use. I can not afford to wait for Chexsystems 30 day investigations. This is already the second one. I receive my XXXX loans through a credit union. I have delayed spring enrollment because I can not open a checking account at my credit union so I can process the loan.
06/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 93446	Web
I was notified that I was part of the XXXX data breach via a letter on consumer file I was also notified my information was appearing on the dark web. I signed up for credit monitoring tools.I was notified by my credit reporting tools that my credit report was released to Banks without my consent or application. I immediately called same day and reported that as fraud. Both organizations blamed the other for approximately one month from today as I continued to call back and attempt to get the inquiries removed from my credit report. The following month I received a letter from these inquiries below per a request to open a checking account which I did not request or apply. I notified these banks who immediately took action and helped me file a 7 year fraud alert on my credit report with these banks who also did same with the other to credit reporting agencies. HOWEVER, these banks sent me a link to do same with Chexsystems since this was a request for checking account in my name Please help me look into this matter I cant open a bank account
08/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33071	Web
Error on consumer checking account screening report. I am requesting a correction of the following information that appears on my ChexSystems XXXX XXXX XXXX XXXX consumer report : Dispute : Source of Information : XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID ; Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Reported SSN/ID : XXXX Drivers License : XXXX State : GA Date of Closure : XX/XX/2021 RTN/ACCT # : XXXX / XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/2021 I am requesting negative inaccurate information to be removed from Chexsystems & XXXX XXXX XXXX or any other consumer reporting company containing information that is inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX is in violation of my rights. I request that this negative report be permanently removed from my ChexSystems & XXXX XXXX XXXX report. I have attached documents to verify my identity
03/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NE 681XX	Web
I, XXXX, a federally protected consumer has been abused during this unfortunate time of the pandemic by Chex Systems Credit Reporting Agency. Chex System has repeatedly tarnished my name and destroyed my reputation over and over again. I have attached exhibit A green return receipt showing that I have tried to resolve this matter with them. According to 15 USC 1681 ( a ) ( d ) ( 2 ) ( a ) ( i ) a consumer credit report shall not include transactions or experiences between consumers and furnishers. Chex System has quite a few transactions between myself and different furnishers clearly violating this federal law and destroying my family. The Federal Credit Reporting Act was put in place because the banking system is depending on fair and accurate credit reporting. Chex System has breached my privacy by sharing unfair and inequitable information about me to different companies without my written consent pursuant to 15 USC 1681b. I am seeking justice and my remedy to be answered and acted upon accordingly with my direction. This is a warning.
09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33313	Web
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items.
02/28/2016	Yes	Other financial service Check cashing	Customer service/Customer relations	AR 723XX	Web
My husband and I tried to cash a check from the XXXX XXXX XXXX XXXX ( my husbands work credit union ) at XXXX on XXXX/XXXX/2016. It was declined. I came home and called the credit union and they assured me that the check was good. We tried again at XXXX ( our bank is closed on Saturdays ), again the check was declined. I have called Certegy customer service over and over again. I have never spoken to a live person. All I ever get is a recording and then I am put on hold. Endless hold, for hours at a time. My husband and I never write checks, we use a debit card all the time. The only thing that I can figure out is that we do n't meet Certegy 's criteria, because we do n't write checks. What in the world does that have to do with us cashing a check?? This seems terribly unfair to me that we are being punished and unable to cash a check at a business that offers check cashing just because we do not write a lot of checks. It is horrible that they can decline to cash your check and they do n't have to tell you why. This seems illegal to me.
05/07/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NY 11369	Web
I am having issues with Chex-systems. I have filed several police reports with the XXXX in reference to an identity theft issue that I have going on. Someone continues to use my identity to open up loans with credit unions that lead to inquiries on my chexsystems. I filed an initial police report and refiled another report after there were accounts opened fraudulently and I just finished amending my police report once again because i have had continued issues with identity theft. Chexsystems in reporting several fraudulent inquiries on my file I have only opened a XXXX checking account and have not authorized for any institution to access my chexsystems file. XXXX should be the only inquiry that i should have reporting on my file an chexsystems is reporting several fraud inquiries on my report. I am attaching a copy of my XXXX police report which has been amended already because of recent fraud. I am requesting for Chexsystems to remove the fraudulent inquiries from my chex systems file the only inquiry that should be reporting in XXXX.
06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 44121	Web
I sent a letter out on XXXX to XXXX, XXXX, XXXX and Chexsystems here is my tracking number : XXXX however the credit bureaus said the completed the investigation and everything was 100 % accurate According to the law 15 U.S code section 1681a Definition rules of construction the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation personal characteristics or mode of living is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information however such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to and how did they complete this investigation
01/28/2021	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	AL 35405	Web
XX/XX/XXXX, XXXX XXXX XXXX fraudulently opened a debit/checking account. We reported it to the FTC, filed a police report, and the account was closed. We tried to contact Chex Systems but their system was always not available. We were finally able to contact Chex Systems in XXXX of XXXX, and filed a report with them. In reviewing our personal information with Chex Systems, we discovered that in XXXX of XXXX, XXXX XXXX fraudulently changed the home phone number in our personal information in Chex Systems with the intent of fraud. But when we tried to change our personal phone number back to our correct phone number, Chex Systems would not allow us. Chex Systems said that XXXX XXXX could only change the phone number because they put it on there. My question is, XXXX could XXXX XXXX fraudulently change our personal information in Chex Systems without our consent and without us being contacted? And why can we not change our personal information in Chex Systems to our correct phone number when we have reported the incident to the FTC?
04/21/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	TX 752XX	Web
I applied for a checking account with XXXX and received a declined notice. CheckSystems sent a response to my inquiry of their investigation of my records however, all I see noted is " no information found '' and numbers and references to their review but nothing is clear as to a cause for a decline of a checking account. I sent a dispute on XXXX but if the original report fron CheckSystems was clearly understandable as to what and why my request with XXXX was declined there would be no need for another request. A clear notation in CheckSystems report would eliminate the need for another letter as that should be a standard practice for any reporting agency. My time is valuable as well and if the report was clear as to the reason for decline I would n't have to resubmit another request for clarification. There should be clear reporting standards instead of having to spend more time understanding what the report from CheckSystems or any credit reporting agency is clear, concise and understandable for any one at any educational level.
10/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Problem with personal statement of dispute	AZ 85032	Web
On XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX reported ( XXXX XXXX XXXX XXXX ) to CHEXSYSTEMS. The checking account was charged off for XXXX}. I have contacted XXXX XXXX collection department and fraud department. All associates I have spoken with have stated they have nothing on record of me owing any debts. I disputed this with CHEXSYSTEMS. I received correspondence from CHEXSYSTEMS stating after investigation, my dispute has been verified as accurate and therefore will be retained with CHEXSYSTEMS. I have tried to contact CHEXSYSTEMS with no luck. I either get no answer or re-directed. I am trying to understand how they came to that decision. Who did they contact at XXXX XXXX? If I had this information I may be able to rectify. I am currently red flagged with banking institutions and this has held up my financial progress. My dispute and complaint is, How can I be red flagged when XXXX XXXX can not verify I am in debt with them and CHEXSYSTEMS can not provide me with information on regards to who they spoke with to make this decision!
06/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	CA 90732	Web
On XX/XX/XXXX I received a consumer report from Chexsystems. On that report I discovered that there were negative, fraudulent, unauthorized accounts opened in my name listed on the report. So I immediately went to local law enforcement to file a police report. After doing some research as to the steps I had to take in order to get the inaccurate information off of my report, I proceeded to dispute the info with chexsystems. On XX/XX/XXXX I sent them them the police report, an identity theft affidavit from the Federal Trade Commission, a letter stating that I am a victim of identity theft and a copy of my government issued ID. On XX/XX/XXXX I received a letter from chexsystems stating that they had verified the information that was on my consumer report because they sent me a copy of a forged signature card. And If I wanted to pursue the matter further that I should send them a copy of police report, ( which I already did ), and inform the original furnisher of information to dispute directly with them, ( which I already did ).
04/23/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	MO XXXXX	Web
On XXXX XXXX, I attempted to open an account with a credit union. Apparently they use Chex Systems , Inc. for a check before allowing you to open an account. Chex Systems responds with " Driver license is not on state file '' so I was declined. This has never happened to me before. I asked them to run it again, same thing. I contacted the local Division of Motor Vehicles in XXXX XXXX, MO who indicated my driver 's license is on file and the driver 's license number is correct. I then contacted the Missouri Department of Revenue in XXXX XXXX, MO who also confirmed my driver 's license is on file and the driver 's license number is correct. I 've sent a letter explaingin all this to Chex Systems , Inc via fax to their complaint department and consumer relations department XXXX XXXX, 2015 and have heard nothing back. This is a time sensitive matter for reasons I wo n't discuss here and have spent several hours trying to figure out how to get this inaccurate information taken care of quickly, so it has me extremely frustrated.
07/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NY 11236	Web
Date : XX/XX/2022 Time : XXXX & XXXX XXXX ( XXXX ) XXXX Called Chex Systems to resolve an account was met by a very rude customer service rep by the name provided ( XXXX ) XXXX The rep never asked me for information to look into my account to resolve matter, instead he talked about how the banks are, stating bank employees are XXXX and they dont know anything, they only get paid {$11.00} hr. Then he directed back to me and said, You are here because, someone told you No! I tried to ask questions and he started talking over me. He appeared very angry. I couldnt get a word in to ask questions about account or asked for information required to pay account instead I was spoken to like a child. I just want to resolve or pay bill. I got tired of him talking down to me and spoke up and told him I dont need your opinion. Representative redirected my call twice, after saying to me You messed up. Then redirected me back onto the line to wait. Need help with getting a professional rep on the phone, who does insult callers.
04/07/2021	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	CA 90301	Web
XXXX XXXX XXXX put me in the CHEXSYSTEM due to SUSPECTED FRAUD. So I got my Chex system report and it says that I deposited counterfeit checks. In the amount of {$990.00}, {$880.00}, {$920.00}, {$890.00} and XXXX. I have reached out to both CHEXSYSTEMS and XXXX XXXX XXXX TO FIX THIS PROBLEM. I have asked countless number of times to launch a thorough investigation into this case of SUSPECTED FRAUD and COUNTERFEIT CHECKS. I have asked asked for proof and evidence but still they will not take me out of the CHEXSYSTEMS data base. The reason this is so stressful is because of this CHEXSYSTEMS report by XXXX XXXX XXXX I can not open up any checking accounts at any other financial institutions. I feel like I am being taken advantage of because the XXXX of my skin. Im a young XXXX man that cant open up a bank account due this report. I have sent them complaints several times! I NEVER COMMITTED TO ANY OF THERE FALSE ACCUSATIONS AND THEY CANT EVEN DO ME THE CURTSEY OF A FAIR THOROUGH INVESTIGATION THAT PROVES THAT I DID THIS.!
04/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Was not notified of investigation status or results	TX 75034	Web	Older American
On XXXX XXXX, 2019 I visited XXXX in XXXX, Texas to establish an account. I was denied, per personal banker due to a hardstop from XXXX. I was informed that a fraud alert was placed on my record. I was a victim of identity theft and had notified the Federal Trade Commission and all credit reporting agencies. On the same day, I contacted XXXX and was informed that due to technical issues the company was closed. I tried several days and could not reach XXXX. Finally, I was able to speak to a agent at XXXX. I explained to the agent that I was a victim of identity fraud and wanted to lift the security freeze to establish an account at a credit union. I stated that I have all documentation for filing a police report, the complaint form from the Federal Trade Commision. I, also, mentioned that I had left my name, address and phone number on XXXX voicemail to receive the form to lift the security freeze. Per message, I would receive the form in 5-10 business days. As of today, XX/XX/XXXX, I have not receive the form from XXXX.
04/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Problem with personal statement of dispute	WV 250XX	Web
I disputed a report on XXXX a XXXX XXXX XXXX account it was deleted after 30 days under the FCRA and WV Law then a few weeks ago I pulled my XXXX report and that report was illegally reinserted back on my XXXX report this report is totally inaccurate and it should have never been reinserted after 30 days and its removed its supposed to never be put back on my XXXX report the bank had 30 days thats the law they didnt verify it it was removed and should have never been put back on file if this report isnt permanently removed immediately I plan to initiate a lawsuit against XXXX that report made me have a XXXX XXXX under dr care now causing me XXXX XXXX XXXX XXXX and XXXX I want it removed immediately or I am proceeding with a civil lawsuit in US District Court against XXXX also XXXX didnt tell me how it was supposedly verified they put in a letter a XXXX XXXX XXXX with a XXXX XXXX XXXX address as the verification I never been to Cali so how is someone in California verifying a XXXX XXXX I want this removed immediately!
07/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10032	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Account number : XXXX / XXXX Account name : XXXX XXXX Account number:XXXX / XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
07/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	NY 14304	Web
I received a letter from the IRS stating that in XXXX 2015, XXXX XXXX XXXX which was acquired by XXXX XXXX XXXX XXXX, a subsidiary of Fidelity National Information Services , INC., reported a retirement income to the IRS in the amount of {$12000.00}. The problem I am having is that the IRS is saying I owe them money now and I never heard of nor had an account with XXXX XXXX XXXX. The IRS is stating this is an IRA. As much as I would love one, I do not own any IRA accounts. The only thing I can think of is that they, in error, used my SSN ( XXXX ). Either way I have nothing from this company nor about this company and I am furious that I have to go through this. Is n't a company suppose to send a XXXX to the person who took a distribution? I want a copy of what was sent to the IRS. I need a corrected XXXX or income statement and I need a written statement stating this was an error. I have searched via the internet and found 2 phone number, left messages and no one has gotten back to me. I need this corrected ASAP.
09/13/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	MI 48180	Web
Subject : Dispute of Inaccurate Negative Information on My Banking History Dear Sir/Madam , I am submitting a complaint against Chex Systems for inaccurate information that has been reported by Chex Systems on my banking history. This inaccurate information is causing significant harm to my financial reputation and has violated my rights as a consumer. I have recently reviewed my Chex Systems report and was alarmed to discover several negative items listed that are factually incorrect. These inaccuracies include but are not limited to : XXXX. [ XXXX XXXX : date of closure XX/XX/2022, account number # XXXX, reason for dispute is inaccurate information nor was company allowed permissible purpose to share information about me. I would like to emphasize that these inaccuracies have had a detrimental impact on my ability to open new bank accounts and access essential financial services. As a consumer, I have the right to accurate and fair reporting of my banking history under the Fair Credit Reporting Act ( FCRA ).
04/20/2016	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	FL 33063	Web
I have a major problem with chexsystems!! they blocked me from every bank in the country without just cause. I sent a notice of cease and desist and another letter they ignore my letters, when I made numerous calls the customer relations are ignorant and play silly word games with me. chexsystems refuses to give me reason for their criminal actions, they have already committed code violations by not responding to my communication, they also are reproting on a UNVALIDATED debt. plus over XXXX XXXX XXXX I did find out from XXXX XXXX XXXX, chexsystems forces me to contract with them and keep asking me for my personal and private information so they can store, use, and access my information WHICH I DO NOT CONSENT, chexsystems has caused me very extensive damages. and to this day i can not do any business online either, its like my whole life is blocked, I did file a lawsuit against them but they hired a bigtime lawyer is also a big liar you can reach me at XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX thank you for your tima
01/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	NY 11218	Web
On XX/XX/XXXX, I XXXX XXXX received a Chex systems consumer report stating account abuse with XXXX XXXX XXXX XXXX XXXX account number XXXX. I have never done any business with this bank nor tried to apply for bank account with this bank. I wrote a letter to Chex systems explaining to them that they have wrong information about me. Chex systems did an investigation and sent me a letter back saying that this account with XXXX XXXX XXXX XXXX XXXX was listed on my consumer report by clerical error and that they will remove the account. As of today XX/XX/XXXX I checked my Chex systems consumer report and this account is still on my consumer report and is the reason I was recently denied a checking & savings account. I would like for this to be removed from my consumer report and I want justice for this negligent misconduct on the part of Chex systems. I looked up XXXX XXXX XXXX XXXX XXXX and they do not even exist, they do not have a phone number or website. How can such a gross misconduct be done by Chex Systems?
05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 22485	Web
XXXX XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ) and XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ) Inquiries are not mine. Please remove from my credit profile.
04/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	FL 33073	Web	Servicemember
The complaint is with the following Credit/check reporting company : CHEXSYSTEMS XXXX XXXX XXXX XXXX, MN XXXX I recently applied for a checking account with XXXX XXXX and the bank denied the account due to information with CHEXYSTEMS. I have exellent credit for decades with the XXXX major bureaus. I have 5 bank accounts with the major banks and 1 with XXXXXXXX XXXX XXXX. I have never run into any issue ever on opening an account I have never heard of CHEXSYSTEMS. Neverthless I have made numerous attempts at requesting whatever information that may be inaccurate and deragatory that led to a denial on my checking account opening with XXXX XXXX. However i only get automated information no matter what i attempt when i call XXXX XXXX XXXX or XXXX XXXX XXXX I also tried creating an account with CHEXSYSTEMS that only results in an error ( see the attachment ) and recommends a call to CHEXSYSTEMS customer service. But then I am back to the begining where I can only reach automation. This is very frustrating Experience
07/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30324	Web
I WAS RECENTLY INFORMED VIA A BACKGROUND CHECK THAT THERE WERE MULTIPLE COLLECTION ACCOUNTS AND INQUIRES THAT WERE FILED WITH CHEXSYSTEMS IN MY NAME. I DID NOT AUTHORIZE ANYONE TO OPEN UP ANY ACCOUNTS IN MY NAME NOR DID I AUTHORIZE ANYONE TO WRITE CHECKS IN MY NAME. I HAVE BEEN THE VICTIM OF IDENTITY THEFT FRAUD SINCE 1986. I HAVE DISPUTED THIS WITH CHEXSYSTEMS ON THREE SEPARATE OCCASIONS, BUT THE FRAUDULENT INFORMATION IS STILL BEING REPORTED BY THEM. THERE ARE MULTIPLE ERRONEOUS NAMES, ADDRESSES AND DATE OF BIRTHS THAT ARE CURRENTLY BEING ASSOSICATED WITH MY REAL NAME AND SOCIAL. THERE ARE ALSO MULTIPLE INQUIRES THAT WERE NOT INITIATED BY ME NOR I AUTHORIZE ANYONE TO DO SO. *FRAUD NAMES : XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXXXXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX *FRAUD ADDRESSES : XXXX XXXX XXXX XXXX IL , XXXX XXXX XXXX XXXXXXXX IL , XXXX XXXX XXXX XXXX IL , XXXX XXXX XXXX XXXX GA , XXXX XXXX XXXX XXXX GA , XXXX XXXX XXXXXXXX XXXX XXXXXXXX IL , XXXX XXXX XXXX XXXX IL
12/23/2017	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	MD XXXXX	Web
On XX-XX-2017 I, XXXX XXXX XXXX XXXX, tried to open a new checking account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD. XXXX. I was told that I could not open an account, due to a ChexSystems report containing a file produced by XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX in reference to a Checking account held by myself, mother XXXX XXXX, and wife XXXX XXXX rtn.XXXX acct. ending XXXX. Closed non-sufficient funds X-X-2017 amount {$3700.00} This negative balance was a result of a charge back, reversal of provisional credit, as a result of fraudulent payments to XXXX drawn from the account in my mother 's name. This credit should have never been reversed, because the account was even deemed fraudulent by XXXX and payments were not due by anyone on the account. Furthermore, this should not effect my ability to open an account at another bank, for It did not concern me, my XXXX account, nor my ability to pay back a credit that was not my business even though the credit should have been sustained in the first place.
11/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29715	Web	Older American
I have been a victim of identity theft and I became aware of this back in 2009 when my wife passed away. I have been to the police and I have gotten identity theft reports created by the FTC. None of these are signed they are electronically signed. They have been accepted by every entity including federal court and state courts and yet one entity is claiming that I need to get these things manually signed. XXXX, Is the entity claiming I need to get it manually signed yet the law does not state that or want that or require that. I have said they are breaking the law and they refuse to talk to me further because they hang up. They are not obeying the law they are trying to rewrite the laws and only Congress can do that. I am including a copy of my original report and the one that I had certified and notarized to show what they made me go through and the law does not require that. That wasted time and money because they think they can re write the laws of Congress with their own policies because they want it.
07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95762	Web
I requested my Chexsystems report, as I was recently denied a new checking account - funny especially since I just turned XXXX! Anyway, JERKS called XXXX XXXX XXXX and Chexsystems have wrong information all over my " report ''. Not only that, when I disputed items such as inquires dated WAY BEFORE my XXXX birthday, they claimed to have investigated however left all the bogus information on my reports. They think they are " all that '' and they are WRONG and deserve to be shut down..! Also you can not re-investigate a dispute because they will not allow it, claiming that they did their job and all items were verified. NOT TRUE and I have never heard of anyone getting away with half-baked reporting. I want everything reinvestigated and I want to see all correspondence that " proves '' that a XXXX XXXX XXXX, opened or tried to open checking account when they were XXXX XXXX XXXX ...! And I am NOT going to take time out of my life to file reports with Law Enforcement, that is not MY job - that is their job.
12/08/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	NY 11412	Web
I was recently informed of negative information reported by XXXX XXXX XXXX included in the file ChexSystems maintains under my Social Security number. Upon ordering a copy of the report today ( XX/XX/XXXX ), I found an entry from this bank listing XXXX # : XXXX / XXXX \| Original Charge Off Amount : {$100.00} \| Dated : XX/XX/XXXX I am not aware of said account with XXXX and it became apparent that there was an issue with the banking systems when I tried to open an account for my small business but was unable to. I most recently tried to open an account with my family referred XXXX XXXX XXXX XXXX XXXX ) and was cancelled the following day by early warning. I disputed this reporting with CHEXSYSTEMS and requested all documentation of the accounts validity. CHEXSYSTEMS and XXXX have not responded in lieu of my request and dispute in the ownership of this account. This is not my account and is causing my the inability to fairly operate as a responsible consumer. I've attached a copy of my dispute letter.
12/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MN 55343	Web	Servicemember
Attached to this complaint is a letter of verification from the Social Security Administration for verification of my social number. Chex Systems , Inc., is requesting a letter of verification from the Social Security Administration for verification of my social security number in order to research my dispute. I have faxed a copy of the letter of verification from the Social Security Administration to Chex Systems , Inc., as well. I am a victim of identity theft and have a current police report on file with Chex Systems. The following reported information, inquiries viewed by others and only by you currently listed on my Chex Systems , Inc., Consumer ID Report : XXXX is fraudulent and unauthorized reported information and inquiries : XXXX XXXX XXXX, XXXX. Account Number : XXXX, Account Balance : {$16000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. The reported information and inquiries are fraudulent and not my account or inquiries. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	FL 33056	Web	Servicemember
15 U.S.C. 1681s-2. ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information Is inaccurate. After reviewing my report I must inform you that I am NOT responsible for none of the Bank accounts listed on my report as I have been a victim of identity theft. I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete all of the bank accounts negatively impacting my credit report immediately! Ive sent out numerous letter to both XXXX XXXX and the ChexSystems asking for proof showing that these accounts are mine and neither companies has responded to my request i demand that they both delete all inaccuracies off of my reports immediately or I will be forced to hire an attorney and seek legal fees for the stress this has caused me. Thank you, XXXX XXXX
07/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27288	Web
Hello, I recently discovered that there was information that was pertaining to my personal information reported by XXXX. The information was showing that I had previous account open with XXXXXXXX XXXX and also XXXX XXXXXXXX XXXX which I never did. I had disputed the information with XXXX. Once I received a final letter from XXXX they mention that I will need to contact the bank directly to get it resolved. I called XXXX XXXX at ( XXXX ) XXXX which was provided to me from XXXX. I called them and spoke with fraud department. They were not able to find any information about me at all. I also contacted XXXX XXXX XXXX as well and got the same information. I recently got off the phone again with XXXX and they said they will need to file another dispute. based off the conversation they can't do anything about until they hear back from the creditors. I am not sure what else to do how to get this false information remove so I decided to reach out to you for further help on clearing this information with XXXX.
12/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78741	Web	Servicemember
To who it may concern I'm writing to get some inquiries investigated received my chexsystem report consumer id XXXX below is a list of inquiries I did not consent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please investigate and let me know how you guys did it this is unbelievable
06/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	MD 20770	Web
On XX/XX/2022, I sent a certified return receipt letter to creditor listed on my ChexSystems consumer report to dispute inaccurate information regarding overdrafts. I am attaching a copy of the letter being returned from the post office on XX/XX/2022 due to a bad or invalid address. On XX/XX/2022, I sent ChexSystems a returned mail letter ( certified return receipt ) regarding my dispute being returned for an invalid or bad address. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA, if the furnisher knows or has reasonable cause to believe that the information is inaccurate. The letter was received and signed for on XX/XX/2022. On XX/XX/2022 ( 31 days after signature ), I pulled my ChexSystems consumer report to see if the inaccurate item was deleted. Instead of removing the item, they just marked it as accurate and verified. As of XX/XX/XXXX, ChexSystem is continuing to report an invalid address and I demand that the item they are reporting to be removed immediately.
12/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I am a victim of identity theft and have been a victim of identity theft for over 20 years. I have countless police reports on file with my Chex Systems regarding me being a victim of identity theft. The following inquiries viewed by others currently listed on my Chex Systems XXXX Report ID : XXXX is fraudulent, unauthorized, and not my inquiries : XXXX XXXX Bank, XX/XX/XXXX, XXXX Bank, XX/XX/XXXX, XXXX Bank, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX Bank, XX/XX/XXXX, XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX Bank, XXXX. XX/XX/XXXX and XXXX XXXX XXXX XXXX, XX/XX/XXXX. I want Chex Systems to immediately delete and remove the fraudulent and unauthorized inquiries viewed by others from my Chex Systems XXXX Report today. The inquiries are not my inquiries. Furthermore, I want Chex Systems to mail me an updated copy of my consumer report via XXXX mail. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
10/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28326	Web
In accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX # /ref # XXXX Has violated my rights. 15 U.S.C. 1681 section 602 A. states I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
01/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77354	Web
Chex Systems Inc. ( XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX ) -- The amount of XXXX USD was paid in full over 3 months ago and the information has not been properly updated by Chex. In addition, this is causing the credit agencies to falsely list that I have not paid off this balance for bank closure. Furthermore, it lists that I conducted " abuse or bank fraud '' of which I did nothing of the sort. XXXX XXXX XXXXXXXX unexpectedly, and quite ditsatefully added in overdraft fees when I explcitity signed that I would not like any overdraft services. Fast forward a few years and I find that I have a closed XXXX account that listed as " abuse and or fraud ''. This should be criminal as it has hindered my ability to do many things of which is open a simple bank account. Chex System, please fix your reporting and list that I have paid the account in full. At this point due to your obvious mistaking I would go further and reccomend a complete deletion from my report. Thanks.
10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 327XX	Web
XXXX XXXX XXXX reported that I used there accounts fraudulently. That information they reported was fraudulently, my account was compromised and I received a call from XXXX & I notified them that it wasnt me and they indeed said the fraudulent action that was taken on my account would be canceled and then they mentioned a few days later my account would be closed. Ive been disputing this for months and they said it was verified as in they did not take the extra steps to verify any signatures on the fraudulent check that was deposited, XXXX address or anything as in it wasnt me. The company responded with a mailer stating that the fraud information they noted on my XXXX XXXX XXXX and chexsystem that was false was no longer reported and listed as they removed it but it is still listed and Im still getting denied and declined for bank accounts. They have lied again just as they lied and put this false information on my report, lied and said they removed it and its not reporting which it is.
12/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 74133	Web
'Description of my problem with the business in request for the removal of ( Inquiries Viewed by Others ' ) on my ChexSystems Consumer Report. 'Statement that the business made inquiry on XX/XX/2020 that impacts my Consumer Report that ' may be included in reports to other " Banks. 'Statement that the inquiry remains in my ChexSystems File for up to ( 3 ) years or until " the XXXX XXXX XXXX and the XXXX XXXX XXXX only!!! makes ( Verbal or Written request ) to ChexSystems for Removal. ( However ' not. to use an Adverse Action Form with the Bank ' and Consumer ' that was already Completed resulting in not. removing the Inquiry ) 'Statement that the XX/XX/2020 inquiry made by the XXXX XXXX XXXX was as to why " I have a Security Freeze and Fraud Alert in place on my ChexSystems Report. 'Explanation that I have been unable to open a Money Market Savings Account with XXXX XXXX during the last year because " the XXXX XXXX XXXX refuses to remove the Inquiry on my ChexSystems Consumer report.
03/23/2021	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	GA 30331	Web
I opened a joint account with my son because he was a minor and got his first job with XXXX and needed to cash and deposit checks. Everything was going well until he was contacted via XXXX by someone stating that they would pay him to post ads to promote their XXXX XXXX and he needed to give them his account information so that his checks could be deposited into his account. XXXX gave them his account information. When it was time for him to get paid on XX/XX/2019 he noticed money was being deposited into his account but the money was being removed no sooner that it was deposited. XXXX called me from school to advised me what was going on but by then it was too late. I tried contacting XXXX XXXX XXXX with no prevail. This was a joint account and my son was a minor taken advantage of and scammed and now we are on the hook for money we are not responsible for. I would like for my account to be restored because I have a Candle Company and I am a XXXX XXXX y trade I really need my Bank account
08/01/2019	Yes	Checking or savings account Other banking product or service	Opening an account Unable to open an account	NY 10451	Web
Am in desperate need of help Ive been banking with XXXX for 9 years now. I work very hard to make my money the correct way. I made the mistake of trusting someone close to me. I know this person since I was a child, he knows everything about me. He got a hold of my card and deposited checks because he knew my information. I honestly was working this day and had no clue what was going on. I went to XXXX and explained but they claim since the person knew my information theres nothing they can do and that my account will be closed. Mistakes happen all the time what about how long Ive been banking with you guys that does not count? How I never committed anything wrong, not only am I not allow to get a chance but I cant open with no other bank! XXXX has me as fraud this is not fair. It has me depressed please me or give me another chance. Ive been to every bank and they all tell me XXXX has me on fraudulent therefore I cant bank with them. Please I am begging for some help it really was not me!
03/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 77077	Web
On XXXX i sent a letter to the bureau regarding Inaccurate accounts being reported to my credit report. It has now been over 45 days that I have not received a response, I feel as though my request has been ignored. In this time of pandemic my credit report is crucial to me regarding that I must use it to feed and shelter my family who are unable to work and provide for themselves in this unfortunate time that Covid-19 has caused. Section 611 ( a ). States that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report, it has been over 45 days so these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused not only me but my family as well in this time of uncertainty. My information has also been impacted by the XXXX data breach which could also been in relevance to these erroneous accounts reporting inaccurate items on my report.
10/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48092	Web
Chexsystems has violated my federally protected rights under the FCRA. ChexSysyems infringed upon my rights to privacy violating 15 USC 1681. ChexSystems did not have permissible purpose to furnish my non public information violating 15 USC 1681b. Chexsystems also reported inaccurate, false, misleading, unverifiable information causing me denials and failing to report maximum accuracy as required by Congress. Due to your inaccurate and illegal reporting, I was denied for credit for information you infringed upon that is non public information. ChexSystems employees/agents is using my consumer report with Extortionate means to coerce and swindle me into paying there business partners violating code 18 USC 894 and assume criminally liable and can be fined up to 20 years in jail. You are now on Notice to Cease Communication from me from all mediums including my consumer report. Failure to Comply will result in legal Matters in Federal Court with a jury trial for all damages sustained.
05/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11211	Web
Chex Systems is not abiding by 15 USC 1681 ( a ) ( 4 ) in upholding the consumer right to privacy. I am distressed that they have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely " ACCURATE '' and " FAIR ''. The following information therefore needs to be blocked and removed! 1. PLEASE REMOVE FROM MY CREDIT REPORT Inquirer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX INQUIRY DATE XX/XX/XXXX 2. PLEASE REMOVE FROM MY CREDIT REPORT InquirerXXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX On behalf of XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Inquiry Date XX/XX/XXXX This is my third attempt. Under federal law, you have thirty ( 30 ) days to remove inaccute and unfair data from my account.
09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 31909	Web
I have tried to open an checking account at the XXXX XXXX seeing that I can open an savings account with them. They refuse due to the inquires on my chex systems file. I have been fighting chex systems to get my report and score to due disputes and see whats there and it took 6 months to finally get to sign in and now i cant see nothing on my report and notable to use the tools on their website. also finally recieved my report from chex systems and no report is found from any banks nor credit unions. On the other hand I have a ton of inquiries from trying to open an check account. Not being able to obtain one for the score they are reporting due to the inquiries is the problem, I have disputed the inquiries but they state they dont report a score and the inquiries should not be a problem. I tried contacting discover and they state they cant supply an answer for why they wont open the checking account and to contact Chex Systems. it is a burden to me and not getting no resultion.
05/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90035	Web
Please provide bank statements for the months of XX/XX/2021 and XX/XX/2021 showing legal verification of ending balance to reflect the amount owed. please provide verification of all credits applied to reflect ending balance owed. Note : my account was closed by XXXX XXXX XXXXXXXX XX/XX/2021 and if my account was closed do to balance owed the XXXX to XXXX bank statements would reflect a balance owed since bank statements are official verification of all funds in the account. Final bank account statements to determine account balance are legal verification provided by the bank giving legal verification on balances and all transactions and are legal verification for money owed, credits and all other transactions regarding your account please provide Verification for Account Abuse statement reported. Note : it was reported by XXXX XXXX XXXXXXXX that Account Abuse existed with my account. Please provide all verification that you used to reach your decision regarding my complaint.
06/03/2017	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	NC 27519	Web
I tried to cash several checks over several months in several locations and they were denied. The decision to cash or not cash the checks was based on a company called Certegy Check Services , Inc. XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. When I called the number ( s ) for customer service, the response was that they could not tell me the reason for the denial other then that there is a program that determines the whether to deny or accept the cashing of the check and that they, the customer service rep., did n't have the information to share and if they did have the information to share, they would n't because someone might manipulate the system. If they can not, or will not, tell me why I 'm being denied, then they should at least tell me what I need to do to be allow to cash checks again. As it is, I wonder if I am being denied services for illegal reasons. They will not even cash my Federal tax return check. Is there a problem with the US government bouncing checks now?
07/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33161	Web
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48197	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ACCT # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
03/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38125	Web
On XX/XX/2023, I reached back out to XXXX XXXX XXXX because they are still reporting to both ChexSystems and XXXX XXXX XXXX that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts at a national bank, but is also affecting me in trying to open accounts at local banks and has caused my existing bank ( XXXX XXXX ) to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an account is because of what's being reported to ChexSystems and XXXX XXXX XXXX. This is literally the example of holding my banking privileges hostage and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
09/30/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC XXXXX	Web
I am disputing an account balance of {$200.00} with XXXX XXXX XXXX. In XXXX I walked into a XXXX XXXX XXXX branch and requested all my accounts with XXXX XXXX XXXX be closed and I was assured by a XXXX XXXX XXXX Account Specialist they were closed, but in XX/XX/XXXX I learned the account has a balanced owed of {$200.00}. I disputed the account with both XXXX XXXX XXXX and ChexSystems because I know I am not responsible for the balance owed since I entered a XXXX XXXX XXXX branch in XXXX and was assured the account was closed. Also, Ive never been contacted by XXXX XXXX XXXX or ChexSystems about the account until I called both companies for additional information in XXXX. I asked XXXX XXXX XXXX for information on how the charges originated, but they could not provide me with anything. Several representatives said they didn't know. I closed all my accounts with XXXX XXXX XXXX in XXXX with the help of an Account Specialist therefore I am disputing the {$200.00}.
10/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 21133	Web
I have disputed a incorrect information on my chexsyatems report in XX/XX/XXXX and ask for evidence in there investigation and they have failed to yet provide me with any evidence and it has been well over 30 days now. The dispute in question is from XXXX XXXX XXXX XXXX, I had an account with them back in early XXXX to late XXXX and I close the account because they keep on causing problems with the account, ( example. ) I had an employer direct deposit in the account and they would let him after deposit my pay he would go back in my account and withdraw everything out my account then put back what he want to, so I reported the matter to the police and had the account close, now on My chexsyatems report XXXX XXXX XXXX XXXX is reporting that my account with them was NSF. I have ask chexsyatems to verify and validate the account and provide me with evidence and they refuse to. I have all my communication with chexsyatems if need and I have not contacted XXXX XXXX the matter.
04/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 63121	Web
XXXX has made false & misleading information in regard to their policy of identity theft items in ongoing disputes. I've provided an police report stamped by an officer & the items are not blocked nor removed the consumer report which violates FCRA 605 ( b ). The item disputed should've been blocked within 4 days. It is not therefore they have violated Fair Credit Report Act. ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer
04/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 78749	Web
I wrote to Chexsystems in order to dispute some inaccurate personal information being reported on my file on XX/XX/2020. There were old phone numbers that do not belong to me listed in my file as well as addresses at which I do not currently reside. There were also misspellings of my current address that were missing my apartment number. On XX/XX/2020, I received their response. ChexSystems responded by saying that the information could not be removed because it was either given to them by me or reported by other sources. However, they did not address whether the information was accurate or inaccurate. They just refused to act. They can not maintain phone numbers in my file that do not belong to me. Any phone number at which I can not be called is inaccurate and irrelevant to anyone obtaining my report. The same is true for the misspelled or incomplete addresses they have listed. I honestly can't believe they are making it this difficult to correct my personal information.
05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30101	Web	Servicemember
XXXX XXXX XXXX XXXX, has an account open in my name at an address i necer lived at, this acclutn was open due to fraud, this account needs to be removed off chexsystems, if this account is not removed i wlll turn this account over to the attorney i have hired, XXXX XXXX firm, i am a victim of identity theft and this accout was not open by me, so please remove this account ftom my report, this ftc identity theft report and complaint will be used against family savings credit union, my information was leaked on the dark web by XXXX XXXX and it has caused serious damage to my credit, my information has been compromised and used by scammers please don't force me to sue remove this account immediately, I am now suing XXXX XXXX In XXXX, my information was exposed in 2017 by XXXX XXXX and it has caused identity fraud and I have filed a police report in 2017 because my identity was used to have accounts open in my name and this police report is proof and investigation took place
07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web
I am a consumer pursuant to 15 U.S.C. 1692a ( 3 ). Chexsystems has furnish unauthorized information about me a consumer to third parties and other persons. Chexsystems never received written instructions from me to do so pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports, which states - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Chexsystems has violated 15 U.S. Code 1681q.Obtaining information under false pr etenses by furnishing information without my consent, all employees officers, and senior members of Chexsystems are subject to the following - Any person who knowingly and willfully obtains informa tion on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.
01/04/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MN XXXXX	Web
I tried to open an HSA ( Health Savings Account ) for my employee-provided health insurance. I was turned down by XXXX different banks because of bad data ChexSystems had allowed into my file. ChexSystems tells me that someone at another financial institution typed in my SSN with a completely different name as part of a credit inquiry. ChexSystems then flagged my file as so bad that I could n't even open a simple bank account. This affected my health insurance open enrollment, my participation in my health plan HSA, and cost me many extra hours of time and weeks to unravel with ChexSystems. The bad business practices of ChexSystems failed to detect this problem earlier, despite their systems having all the necessary information. Instead, they flagged me as high-risk at XXXX banks. I highly recommend that companies avoid using ChexSystems entirely. While this issue is now resolved, I hope ChexSystems will change their faulty business procedures to avoid harming consumers.
11/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	AZ 85208	Web
The FCRA requires ChexSystems to respond to disputes within 30 days of receiving the dispute letters for customers outside of Maine. After receiving a response from a previous dispute, I resubmitted a dispute on the XXXX of XX/XX/2023 and even received a confirmation letter telling me that the dispute has been received and is under investigation. However, ChexSystems did not respond to my dispute even after 41 days. I had to call and request for an update only to be told that the dispute was deemed invalid. I did not receive any correspondence from ChexSystems informing me about the validity of my dispute letter. It's only after the call that ChexSystems sent me a correspondence about the dispute submitted XXXX days ago. Therefore, I request that the information disputed be removed from my report according to the Fair Credit Reporting Act for failure to respond within the lawful timeframe required. 15 U.S.C. 1681s-2 Please remove XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
11/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	IA 526XX	Web
I recently had to review my credit report again because I can not cash a check anywhere I have XXXX XXXX XXXX checks right now that I can not I can not obtain any money because of my credit score. So I obtained my reports from XXXX XXXX and XXXX. I had already filed the complaint about CHEX SYSTEMS and they're inexperienced to determine financial decisions yet financial institutions Trust them enough to rely on their score to determine whether a consumer is eligible for banking or not. But in my report from CHEX SYSTEM, it shows that I have hard inquiries through XXXXXXXX XXXX XXXX XXXX So if I open up a website such as XXXX XXXX that is going to be put onto my credit report as a hard inquiry because that's what it looks like cuz I did not apply for any credit cards or any financial loans all I wanted was my credit report and when I look at this report that check system sent me yesterday it shows that a hard acquired XXXX XXXXXXXX through XXXX which is absolutely false
07/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77450	Web
Im filing a complaint on this company for multiple reasons XXXX. XXXX XXXX XXXX I was in the process of shopping for a new bank account as I pulled my credit I have noticed that XXXX XXXX XXXXXXXX charge Off this account on my credit and I have never received a XXXX form can you please go ahead and send that now. XXXX. To Whom it XXXX concern, While looking at my credit reports I have noticed the following account had a discrepancy in the payment history '' section of the listing XXXX XXXX XXXXXXXX XXXX This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report accurate, consistent and up to date please " DELETE '' this item immediately : XXXX XXXXXXXX XXXX XXXX When the requested above deletions are made, please mail me an updated copy of my credit report
09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	IL 601XX	Web
I received a copy of my Chex Systems and XXXX XXXX XXXX consumer report and I've noticed false and misleading information from Bank that I've committed allege fraud. On behalf of disputing the inaccurate information with Chex System and XXXX XXXX XXXX they have concluded that the information within my file has been investigated and was indeed verified as accurate by XXXX XXXX XXXX. Both corporations have also confirmed that they are unable to provide me with copies of documentation of proof on how the information is accurate and verified in my file for checking account fraud that is being furnished to them by XXXX XXXX XXXX. On XX/XX/XXXX I've sent certified mail with return receipt, Tracking number is XXXX. I am yet to hear a respond and the investigation and any proof supporting their claim of the allege fraud. This is causing me great stress and defamation of my character. I have attached two letters supporting my case for this specific situation to get resolved.
08/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
XXXX XXXX XXXX Missouri is being reported on to the file that your company maintains up under my personal information. I have never had an account with XXXX XXXX XXXX. The document with the electronic signature does not belong to me and its not my signature. I've also asked that you provide Driver license or anything that was used when the person acting as me entered your bank. An electronic signature look as though it was obtained thru an online portal which I did not authorize or take part in. This account is a direct result of identity theft and I am requesting that it be removed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
09/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78704	Web
I am a victim of identity theft. I have previously disputed this information with ChexSystems however they have continued to willfully ignore my rights as a consumer and have not investigated this matter properly. I am now including new information in this dispute. In the attachments you will find a copy of my lease showing where I lived during this theft, a copy of my photo ID, a copy of the FTC identity theft affidavit and a copy of the notarized identity theft complaint provided by XXXX XXXX XXXX XXXX. The information being disputed is : Reported Information - XXXX XXXX XXXX This account was opened as a result of identity theft Reported Information - XXXX XXXX XXXX XXXX XXXX This account was opened as a result of identity theft I am disputing the following inquiries as I did not authorize them : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
05/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I am a victim of identity theft and have been a victim of identity theft for over 20 years. I have sent numerous letters and police reports to Chex Systems in regards to fraudulent checking accounts and inquiries viewed by others being reported on my XXXX XXXX ID : XXXX. Chex Systems continue to report fraudulent checking accounts and inquiries viewed by others on my consumer report, despite being informed that the checking accounts are inquiries are not mine, that I am a victim of identity theft and that Chex Systems has a current police report on file in regards to me being a victim of identity theft. The following checking accounts and Inquiries Viewed By Others currently listed on my Consumer Report ID : XXXX is fraudulent and not my checking accounts or inquiries : XXXX XXXX Credit Union, XXXX XXXX Credit Union, XXXX XXXX Credit Union, XX/XX/2022, XX/XX/2022, XXXX Bank, XX/XX/2022, XXXX XXXX Bank, XX/XX/2022, XXXX XXXX Bank, XX/XX/2022, and XXXX Bank, XX/XX/2022
12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 339XX	Web	Older American
On XX/XX/2022, I applied for a savings account with XXXX and was notified that they would not open an account for me because of information obtained from a credit reporting company called " chexsystems ''. After reviewing the report I discovered that they reported " no information '' for me on every item, which is incorrect. I checked and my information with all three credit reporting agencies is accurate. I contacted chexsystems and filled out the forms they required for investigation as to the misinformation and I received a case number. ( reference ID is XXXX ) It has been over 60 days and I have not received any information from checksystems regrinding my inquiry and complaint. Clearly chexsystems is in violation of the law by not responding to my complaint and not correcting the inaccurate information they reported to dollarsavingsdirect. I have attached : Bank Application number Bank refusal letter Report from chexsystems Confirmation of my complaint
08/27/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Didn't receive services that were advertised	OR 974XX	Web	Older American
I received a letter from my bank, XXXXXXXX XXXX, that my name and social security number was compromised. They gave me a complimentary 24 month membership to XXXX from ChexSystems. I tried signing up for the membership online on XXXX I received an error message and was told to call the company. I called 4 different times that day receiving several people who tried to help me. I was forwarded to their " escalation '' department twice. I was left on hold for an hour and was disconnected. I tried calling again for the following day ( XX/XX/2023 ) and made three additional phone calls. My last call was with the " escalation '' department, and she told me she would have another department call me and it would take 24 to 48 hours. Today is XXXX and I have not received any information from this company. I need help contacting SOMEONE in their institution who can provide me with the service that my bank paid them for. I would appreciate any assistance you can provide me.
09/20/2022	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	IL 60629	Web
On XXXX I submitted letters to chexsystems because they have me listed for checking account fraud I requested les it has been well over 60 days with no response I feel like I'm being taken advantage of this is a violation of the FCRA act by failing to provide accurate disclosures to a consumer when they have an active fraud alerts on their accounts I am repeatedly denied bank accounts because I have fraud notations on my chexsystems report I ordered XXXX and there is no mention of fraud chexsystems is failing to provide me the same information that they are providing the banks they're hiding the fraud designation in the XXXX I've spoken with someone at XXXX XXXX XXXX and they informed me that no money was taken I'm being misled by these disclosers and I demand that these checking account fraud notation be removed or I will le litigation due to the stress they caused me my information was also impacted by XXXX data breach and may have gotten into the wrong hands
05/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I applied to open up a checking and savings account with XXXX XXXX XXXX XXXX, but XXXX XXXX XXXX XXXX was unable to open an account for me due to running a report with Chex Systems which my Chex Systems report indicated an unpaid closure of a checking account with XXXX XXXX XXXX for {$900.00} and NSF activity. Chex Systems previously deleted the account from XXXX XXXXXXXX XXXX from my consumer report ID : XXXX, but the fraudulent checking account from XXXX XXXX XXXX for NSF activity of {$900.00} has reappeared on my Chex Systems Consumer Report because I am not able to open up a checking account with XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. I have a current police report on file with Chex Systems for being a victim of identity theft and for fraudulent checking accounts and credit inquiries appearing on my Chex Systems Consumer Report ID : XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
12/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 026XX	Web	Older American
XXXX XXXX has fraudulently and erroneously reported me, XXXX XXXX XXXX, to Chex Systems, as having a checking account with them, in very poor standing, abuse of account, unpaid charge off, on XX/XX/2017. I have never had this account, last four digits of account # XXXX, charge off amount of & XXXX, status is unpaid as of XX/XX/2017. I have no idea where XXXX XXXX received this information. I do have a current checking account with XXXX XXXX, I opened with my wife, XXXX XXXX XXXX, about 10 to 12 years ago, which is still open and in good standing, this is the only account I have ever had and still have with XXXX XXXX. I called there Customer Service, XXXX line today at XXXX XXXX and talked to XXXX, a supervisor, and was told she couldnt help me, and told me to contact the three credit bureaus, or the Consumer Finance Protective Bureau, which I am currently doing. Please let me know if any further information is needed. Thank you for your assistance, XXXX XXXX
11/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MI 49503	Web	Servicemember
When I attempted to cash two reimbursement checks with XXXX bank and XXXX banks in XXXX XXXX, Michigan, I was informed that I had an issue with ChexSystem reported that I had an outstanding balance with XXXX XXXX XXXX XXXX. I went to XXXX XXXX XXXX XXXX on XXXX XXXX XXXX, Mi and spoke with XXXX XXXX ..., she informed me that there was not such an issue with the credit union. Now that she " no longer works there '' per XXXX staff, i got an emailed copy of a statement dated XXXX XXXX stating that there was an overdraft on my account and that it was paid within that same month. See copy. I want this negative credit/banking activity to be removed from my credit report because its been 46 months since this burden has refrained me from opening banking accounts to manage paying debts or receiving deposits to pay debts. ChexSystem reflects derogatory statements about and ruins my credit ability. ChexSystems acts are unconstitutional and has helped to ruin my livelihood.
10/10/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	FL 33990	Web
I have been using a XXXX prepaid card for several years. Mostly so that my daughter who lives out of state can get access to money quickly if she runs short on cash. The last three times I have tried to make a deposit to my card, the deposits have been declined by Certegy Check Services , Inc . I keep getting reason code XXXX. Since this has happened to my last XXXX deposits, which are small amounts, under XXXX I contacted Certegy to see what is happening. I had to fill out a form to fax or mail with my banks routing and account information, SS # and drivers license info. The FAX number at Certegy does not WORK. XXXX. It literally never picks up. Calling into Certegy you never get to speak to a real person. I am feeling very scammed here with this Certegy company. They are stopping me from using a convenient service that I 've used for five or so years. My complaint is not towards XXXX. It is towards Certegy Check Services , Inc, XXXX XXXX XXXX, Fl. XXXX
05/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	TX 766XX	Web	Servicemember
I advised ChexSystems that I do not have any knowledge and that I did not authorize the following inquiries on my report. 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX inquiry dates- XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX inquiry dates- XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX Also the number of non derogatory records is incorrect. It shows XXXX on my report and I was told by a rep at Chexsystems that it would be corrected to XXXX since they have nothing in their systems showing anything derogatory. Even though I do not owe any monies to Chexsystems, the above information make me appear to companies that I am a high risk regarding my credit worthiness. I have not been provided with any information that may link me to the above inquiries. I would like all of the inquiries removed from my file immediately.
04/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78132	Web	Servicemember
XXXX XXXX XXXX was disputed on XX/XX/XXXX with XXXX XXXX XXXX . Chex Systems has been disputed on XX/XX/XXXX My daughter had a student account attached to my accounts with XXXX . She submitted a fraudulent check through the ATM. This is the only way a student account can do banking is through the ATM. When XXXX found the check to be fraudulent XXXX shut down all of our accounts INCLUDING my Husbands that had nothing to do with my daughter 's account. Attempted to resolve with XXXX and no luck. Attempted to resolve with XXXX XXXX XXXX , Chex systems, and no luck. XXXX Today I have found that I can not open any accounts and have found myself without banking for businesses. XXXX XXXX and XXXX . I am not able to write checks to employees or conduct business. I am desperate to talk with someone to help the situation as we will be going to collect federal assistance if I can not cash the checks. Please help.
06/23/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	FL XXXXX	Web
This has been an ongoing situation with Chex-systems. I have been trying to open up an account for an auto loan that was approved but the requirements of the loan is for me to open up membership and There is a Fraudulent Checking account that was established in my name with XXXX in which they are reporting a charge off account. I had a police report filed for some other fraudulent accounts that were established in my name. I sent it in to chex-systems and they said they were not going to use my police report because the XXXX Account was not included in the police report. I have filed a new police report with XXXX XXXX XXXX Sheriff and have specifically included the XXXX account that is fraudulent. I need this account to be blocked and removed immediately from my file. This has already token way to long and I have not been able to obtain my car loan because of Chex-systems lack of trying to help me remove this fraudulent information from my Chex-systems file.
07/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
I currently have an open complaint against ChexSystems. It appears that ChexSystems attempts to circumvent the law and/or just shows complete disregard for what a consumer facing identity theft attempts to explain to them. Chexystems responded to one of the complaints about the fraudulent address on my ChexSystems file telling me that they will refuse to remove the address because I used the address to order a ChexSystem report. The is incorrect. If ChexSystems sent a report to that address than ChexSystems has contributed to the identity theft and helped someone commit a criminal act. I did not order my ChexSystem report rather I was told by a financial institution that I was disputing information with that I should contact ChexSystems because chances are fraudulent information was being reported by them. I am thankful this is all in writing and being recorded through a government agency because now ChexSystems has admitted being complicit in online fraud.
02/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	OR 97236	Web
I received a paycheck in the amount of {$480.00} from the staffing agency with which I am employed. I went to XXXX ( store # XXXX, located in XXXX, Oregon ) to cash said check, as I had done twice before without incident. The company that XXXX uses to " verify '' checks presented declined my check, without explanation. The information provided on the receipt led me to a website, https : //www.askcertegy.com/, which informed me that the decision was final, and no dispute was possible. I was given an option to receive a free copy of my credit report, which is entirely unconnected to the cashing of this payroll check. Certegy does not maintain a dispute resolution process. They are not beholden to the individuals whose financial records they demand unfettered access to. They refuse to provide any information regarding their check-cashing criteria to anyone, including the merchants who use their services, or, it seems, even to the United States government.
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	FL 33756	Web
On XX/XX/23 I was rejected when trying to open a certificate of deposit with a bank that uses Chex Systems due to a low ( XXXX ) Consumer Score from Chex Systems which I believe has been wrongly or arbitrarily generated. I have excellent credit ( XXXX score ), no negative financial issues ever ( 20+ years as an adult ), XXXX debt and over $ XXXX in savings. I have called multiple times to get the score ( XXXX they sent the wrong report ) and when I finally received the report the score was based on 2 reason codes XXXX Time since XXXX Inquiry XXXX and XXXX Insufficient DDA Inquiry Activity Same Fi with no explanation in report or anywhere on their site as to what these mean so I can dispute. I tried calling on XXXX and again was told they have no info and would send a letter explaining. Can you help me with getting answers from Chex Systems and my score addressed because it doesnt make any sense for them to rate me a high risk for reasons detailed above.
02/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28411	Web
Information from this THIRD-PARTY NON-AFFILIATE was acquired without my knowledge, permission, or consent. This information that is reported from ChexSystems was not authorized by me, and I DO NOT give them the permission to report any of my non public personal information. This is including EVERYTHING that is being reported including my Transaction history. Which is also illegal for ChexSystems to have as a non-affiliate, especially because I NEVER PROVIDED CONSENT, WRITTEN, UNWRITTEN, VERBAL, OR NOT VERBAL, for my personal non public information to be provided to this Third-Party company. I take back any consent that was provided on my behalf by any company that illegally provided my personal information to ChexSytems, which is not allowed, I am also opting out of reporting by this third party non-affiliated company ChexSystems, from providing non public personal information ON ALL of my consumer credit report. INCLUDING ILLEGAL TRANSACTIONS HISTORY.
01/23/2019	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	TX 77082	Web
Dear CFPB Investigator, How are you? The report I like to make today is the concern of the potential criminal activity with my file at XXXX. 1. XXXX XXXX XXXX open at 2018 closed 2. XXXX XXXX at 2018 open 3. XXXX XXXX XXXX XXXX at Houston 2018 still open 4. XXXX XXXX at Houston 2018 still open The suspect is the XXXX Police Department officer name : XXXX XXXX. Her potetial criminal activities are : Cyber Crime Law - Computer Criminals target people online for various financial scams, which have become so prevalent that many of these crimes go unreported - Harassment and Stalking - Activities relating to material constituting medical malpractice - Procedural laws refer to government agencies and their authority to get electronic data from internet providers, third parties and computing devices Crimes against property - Larceny - Embezzelment I am working on a report for FBI at XXXX, and if you need further assistance please contact me, thank you.
07/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MN 55417	Web
I closed a XXXX checking account I had open in 2014. I have had a XXXX XXXX Checking and savings account since I closed out the XXXX account. I closed the account because I had multiple problems with them and what I believe was fraud on their part. They would not deposit checks when they said they would. I was constantly having bounced check fees and could not figure out why. I have been told by XXXX XXXX that I have something on my account from 2014 from XXXX. When I closed my account in 2014 I worked with a manager to get all the fees removed from my account. I do not know why they reported XXXX dollars delinquent to XXXX XXXX. It is causing problems for me to open up an account with a credit union despite having no problems with my XXXX XXXX accounts. XXXX was well known to do things that were borderline illegal. I asked for a review and they did not change anything. What recourse to I have to get this off my report. I do not feel I owe this money.
08/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OK XXXXX	Web
My complaint is regarding ChexSystems. In XX/XX/2022, XXXX XXXX false made a report to ChexSystems regarding me. I disputed the matter directly with XXXXXXXX XXXX and ChexSystems as well. The information submitted by XXXX was false and should not have been reported. ChexSystems received my dispute, investigated the matter, and DELETED, the information. Now, the very same information has reappeared in the report and they are refusing to remove. The information from XXXX was not accurate and they did not respond to to substantiate the alleged information within the time allotted by law. This information, under FCRA, is not permitted to be reported again and again after being removed and deleted causing me to have to dispute over and over. I am attaching a report from XX/XX/2022 that clearly shows that the item had been removed and this is what the letter from Chex stated. The original report from XXXX had been made in XXXX so it is clearly removed.
05/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91304	Web
ChexSystems continues to report fraudulent information associated with a fraudulent address I never lived at, of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. This is the address ChexSystem uses to falsely claim the listed fraudulent items are factual. Police reports confirm and validate the noted address as fraudulent. Thus, all accounts listed and associated to that address should be removed. These items include : Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Inquire - XXXX XXXX XXXXXX/XX/XXXX Inquire - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquire XXXX XXXX XX/XX/XXXX Inquire - XXXX XXXX XX/XX/XXXX Inquire - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquire - XXXX XXXX XXXX XX/XX/XXXX Inquire - XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquire XXXX XXXX XXXX XX/XX/XXXX Account - XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXXXXXX XXXXXXXX XXXX XXXX
03/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	CO 80503	Web
Chexsystems has not removed reports that contain fraudulent information, even though the information has been disputed with the financial institutions themselves. ChexSystems and the financial institutions knowingly reported fraudulent information during the period when I was still a minor. The report includes the following : XXXX XXXXXXXX XXXX ; ACCOUNT ABUSE Date of Closure : XX/XX/2017 RTN/ACCT # : XXXX XXXX XXXX ; OVERDRAFTS Date of Closure : XX/XX/2017 RTN/ACCT # : XXXX Both accounts were closed when I was only the age of XXXX ( XXXX ), upon collecting further information from these financial institutions the required legal age to open these accounts is XXXX, as I was only XXXX these accounts are a result of fraudulent activity, and Chexsystems did not follow procedure and federal guidelines when reporting information. I requested this information be removed due to fraud and ongoing investigations, Chexsystems has yet to respond to questions.
08/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	OR 972XX	Web
Based on my CD application, XXXX XXXX declined my deposits on XX/XX/19. Their decision was based in whole or in part on information obtained in a report from the consumer reporting agency XXXX XXXX , XXXX., Attn : Consumer Relations, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX Immediately, I requested a copy of their report, electronically, on their own website. According to them I should have received it within 5 business days. However, until XX/XX/19, I did not receive any report. I send tried to call them WITHOUT ANY SUCCESS as well as a fax to them ( at ( XXXX ) XXXX ) on XX/XX/19. I did mention in the fax that I would approach govt. authority if I don't receive a report in a day or so. Thus, I am left with no choice but to complain about them, their IRRESPONSIBLE behavior towards Customers. Hopefully, your department will sort this out and I hope to recover my credibility that might have been affected by this FRAUDULENT reporting authority.
08/05/2022	Yes	Checking or savings account Checking account	Closing an account Company closed your account	PA 19147	Web
Earlier this year I took a job with a company I found on XXXX. It was a remote position, where I was asked to handle several task. One of which was to deposit a check so that money could be issued to an orphanage. I did as instructed, and found out I was being taken advantage of by my job. I was told to deposit the check in to my account, and to keep my first weeks pay, and then deposit the rest into a XXXX XXXX account for " XXXXXXXX XXXX XXXX XXXX ''. It was a fraudulent job, but I did not find out until the bank notified me of my account situation. I reported the job ( XXXX XXXXXXXX ) to XXXX, and i told the bank my situation. They closed my account, but would not allow me to reopen a new one. They also reported me to Chex systems so I can get an account anywhere. I was a victim in this matter. I understand the banks position, but i did not knowingly do anything wrong. I am willing to do what it takes to have my banking privileges ' restored.
03/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	FL 34667	Web	Servicemember
Attn : ChexSystems and Consumer relations department Name : XXXX XXXX XXXX XXXX : XXXX Address:XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX Consumer XXXX Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These banks are not allowing me to open up a bank account with them because I am in ChexSystems thanks to this person that stole my identity and I have made a police report and an identity theft report and I need these records removed or I will take legal action they have to be removed off of their systems and I need to be allowed to be able to open up a bank account so I can proceed as a regular citizen
08/02/2015	Yes	Credit reporting	Incorrect information on credit report Personal information	MI 483XX	Web
To whom it may concern : I attempted a Second Chance Bank Account at XXXX XXXX XXXX yesterday in Michigan and the teller was unable to proceed due to the Fraud Alert based on my address being a " Restaurant/Bar ''. A mistake was made when the addresses were filled out, and not because of me. I used to have a " XXXX XXXX '' mailbox at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, MI XXXX. XXXX XXXX is similar to a XXXX XXXX allowing customers to get their mail at a box. XXXX stores down was the XXXX XXXX, a restaurant which has moved. I am unaware if a new restaurant moved in. There is also a XXXX 's store, a fitness gym, Social Security Administration. Please view the link which will show that the address XXXX XXXX XXXX XXXX is XXXX XXXX. XXXXPlease delete the wrong addresses. It is causing me financial harm and I never applied with these wrong addresses. Further more, I am a victim of Identity Theft. One of the police reports : XXXX XXXX, MI is XXXX.
08/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NY 10469	Web
My quality of life is being drastically diminished because XXXX XXXX XXXX illegally bought my information from a company that I did not give my consent to furnish or sell my information which in violation of 12 USC 1431 ( identity theft ) they also violated law 15USC 1682 BY DISCLOSING MY PERSONAL INFORMATION WITHOUT MY CONSENT TO THIRD PARTIES.. I AM AWARE OF MY RIGHTS UNDER THE LAW AND THESE AND THE PROVISIONS IT PROVIDES TO ME TO EXERCISE MY RIGHTS AS TO THE CIVIL LIABILITY THESE COMPANIES FACE MY INTENTIONALLY BREAKING THESE LAWS REGARDING MYSELF OVER THE LAST SEVERAL YEARS. THEAE VIOLATIONS ARE NOT UNDER FCRA COMPLIANCE. THESE COMPANIES HAVE ALSO FAILED TO VALIDATE ANY CLAIMS MADE AGAINST ME SET FORTH BY THE FCRA AS TO THE VALIDATION OF INACCURATE INFORMATION .THIS INNACRUATE REPORTING NEEDS TO BE DELETED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THESE INACCURATE INFORMATION HAS BEEN DELETED/ REMOVED FROM MY REPORT.
04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	IL 60620	Web
Account : XXXX CHEXSYSTEMS is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies. Furnishing this information has caused severe damage to my character, my reputation, my general way of living, and my abilty to obtain credit for personal and house hold purposes. You and your inaccurate furnished data has damaged my livelihood and ability to obtain a bank account. 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and nohother. You dont have my written consent to communicate about this alleged debt. 15 U.S. Code 6801 - Protection of nonpublic personal information. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non personal information.
06/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	NJ 07017	Web
XXXX XXXX closed out my checking account because of an issue with a merchant I purchased computers for my business the merchant did not deliver or claimed the packages got lost so I then did a police report XXXX temporary credit my checking account I was bale to take the funds from the bank and went on to purchase my items with the funds after submitting the police report and all the substantial evidence XXXX XXXX still ruled that my account was not to be permanently credited closed it out at a negative balance and then sent me to collections. I then applied for a XXXX XXXX XXXX XXXX account because now that my account is closed I need to do banking else where XXXX XXXX XXXX as sent NEGATIVE INFORMATION OF FRAUD to XXXX XXXX and until this is corrected they will not do business with me I have attached all the evidence after reaching out to XXXX they ruled to stand by XXXX XXXX and found no error. Please Help ME rectify this situation
07/29/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	AZ 85382	Web
I was denied a small business checking account because I have " fraudulent activities '' on my Chexsystems report. I have no fraud, no bounced checks, no NSF charges, and no late payments. This is hampering my ability to do business and it 's unwarranted. The number that they have listed on their joke of a website just tells you to file a report. Once I finally googled a phone number that let me talk to someone, they were outrageously rude, even swearing at me and hanging up on me twice. They did n't let me speak to management, and said " good luck with your problem, we ca n't help you. '' How is this place allowed to do business? It is an embarrassment for the country to have a " consumer reporting agency '' to be doing business like this. It is costing XXXX people the chance to open bank accounts. Their " dispute '' process is equally embarrassing. If you end up on their list, you 're pretty much XXXX, whether it 's your fault or not.
05/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30327	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
11/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30144	Web
I disputed a few accounts with ChexSystems on my letter dated XX/XX/2020, and which they received certified mail on XX/XX/2020. I have NOT heard any response from ChexSystems, yet they continue to report the disputed items. In addition, I requested pursuant to FCRA 611 ( a ) ( 6 ) ( B ( iii ) and FCRA 611 ( a ) ( 7 ), that you provided to me, which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I have NOT received any description of procedure. ChexSystems is now in violation of the FCRA under these two counts I have mentioned above. I demand all disputed accounts be immediately deleted from my consumer file.
08/28/2023	Yes	Checking or savings account Checking account	Opening an account Account opened without my consent or knowledge	TX 75087	Web
Complete Payment Recovery Services is attempting to collect a fraudulent debt. XXXX XXXX sent this account to Complete Payment Recovery Services. I informed XXXXXXXX XXXX the account or accounts was and is fraudulent. I did not apply for any checking nor savings accounts with XXXX XXXX XXXX XXXX forwarded me some emails from an email address I do not own and stated that I sent them an email. Those emails are from an imposter. This debt in its entirety is fraud. I did not sign any applications, I did not receive any debit cards nor checks from this institution. It is my belief XXXXXXXX XXXX fraudulently opened this account internally. I am a victim of identity fraud. Complete Payment Recovery Systems does not have authorization to collect fraudulent debt. All charges are fraud on these accounts as these were not authorized opened using stolen credentials. I will not accept responsibility and I want this debt removed immediately.
01/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I am a victim of identity theft and have a current police report on file with Chex Systems regarding being a victim of identity theft. The following inquiries viewed by others and only by you currently listed on my Chex Systems Consumer Report ID : XXXX are fraudulent and unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, Michigan XXXX XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX Bank, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX. The inquiries are all fraudulent and unauthorized. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
05/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	XXXXX	Web
I opened a checking account in XX/XX/2020 with XXXX XXXX XXXX, this account was opened with the purpose of paying my credit cards off which I hold with the same bank. ( I am not American and I dont live in the us ) on the XX/XX/2020 my checking account was close without any reason given to me, they said a business decision, I have query this with the bank and I got not response, I am very mortified of what they have reported to ChexSystems , as I said I dont live in the us and getting a report is petty much impossible. The bank has put so much emotional stress on me, I am XXXX XXXX XXXX XXXX and I worked with a visa, I dont want any wrong information in my credit report or history, I managed to pay off one of the credit cards with my mothers account t and I am in the process of Paying the second one to not have any more debt. But this is not a way to treat people, Ive never done anything wrong and I am a very hard worker person.
12/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92103	Web
I've disputed an item reported to ChexSystems by XXXX XXXX several times in an attempt to get account validation done correctly. Each time ChexSystems has written back saying the information is correct, validated, and to contact XXXX XXXX. Identifying information and status listed in this item is not mine and incorrect and they are refusing to delete this inaccurately reported item. The Status date says : Unpaid whereas XXXX XXXX says : Charged Off The reported driver 's license number ending in : XXXX is not nor has ever been mine They are reporting 'NSF Activity ' and have yet to provide any documentation showing as such. Also, XXXX XXXX is actively using a 3rd party collection agency reporting to XXXX, XXXX, and XXXX XXXX by the name of XXXX XXXX XXXX XXXX XXXX. How can they both be reporting different information to different bureaus and it still be accurate. Two entities can not actively collect on the same account.
03/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08094	Web
I previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct, and remove the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please correct and or remove the following accounts from my Credit report : XXXX XXXXXXXX XXXX XXXX
03/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08638	Web
This letter is in response to your recent claim that ( XXXX XXXX XXXX XXXX ) has verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by ( XXXX XXXX XXXX XXXX ) .Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at ( XXXX XXXX XXXX XXXX ) regarding this alleged account. I am formally requesting a copy of any documents provided by ( XXXX XXXX XXXX XXXX ), bearing my signature, 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.
11/10/2020	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Wrong amount charged or received	MO 64083	Web
A check for {$3700.00} was mistakenly mailed to Fidelity Information Services by XXXX XXXX and cashed on XX/XX/2020. This check was intended for a balance transfer to an account with another lending company ( XXXX ), but was mistakenly sent to Fidelity Information Services at XXXX. XXXX XXXX, XXXX XXXX, IL XXXX. The check was cashed on XX/XX/2020. However, the account number on the check is associated with my account with XXXX and should not have been cashed. I have attempted to contact Fidelity Information Services about this several times, but the customer services representatives were unable to assist me, nor were they able to direct my call to anyone who would be able to assist me. I just need to confirm whether or not this check was cashed by Fidelity Information Services, and if it was, I need the money returned. I'm working with XXXX XXXX as well on a separate case with CFPB as well. I am including a copy of the check.
08/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 770XX	Web
My name is XXXX XXXX and my consumer ID is XXXX. Chexsystems has been sending me letters stating that my disputes have been verified and that they will not remove the credit inquiries from my chexsystems report even though I never attempted to open a bank account with those companies. I want Chexsystems to send verifiable proof that it was me who opened those accounts or to remove the inquiry immediately. Remove the following inquiries off my report immediately as I have never attempted to to open an account with them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	TX 754XX	Web
On three occasions, I tried to open a savings account at XXXX XXXX XXXX branches located in XXXX, TX. The bank disapproved my application to open a basic savings account. The disapproval was solely communicated verbally and the bank refused to provide a written disapproval. The personnel I dealt with at XXXX XXXX XXXX stated that they chose not to open a savings account for me because I appear to be a XXXX. I contacted ChexSystems. According to my latest ChexSystems report, I have no overdrawn bank accounts. I filed numerous complaints against XXXX XXXX with governmental authorities. Recently I received a letter from XXXX XXXX stating that they disapproved my application for a savings account due to information received from ChexSystems. They provided a letter on ChexSystems letterhead stating that ChexSystems disapproved the account. The ChexSystems letter disapproved the account, but stated no reason for the disapproval.
03/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA XXXXX	Web
New Complaint, I am Depressed Very Bad, XXXX is hurting me causing damages where as i am moving this month and can not let them check my credit due to experian dropping my score drastically. It has cause XXXX and XXXX not to mention XXXX knowing, my chances are next to none now because of experian. I've did some of my own research and found on public law this is Identity Theft, As I Search Public Law 18 USC 1028a that is Aggravated identity theft, I do not consent to XXXX Furnishing, Housing or producing my personal Information. I did not give written consent for XXXX to do so. As I Search Public Law 15 U.S. Code USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. All Codes Public Law
07/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 23322	Web
I was going to write this in a written letter but seeing as how I am getting multiple first notices, I will respond through the CFPB. The reason why XXXX never received their payment for the selected dates were that I blocked XXXX from taking out of my account. All domain names were paid for the year and all other services were canceled except for XXXX website that was being paid out of my personal account until I switch everything to a new hosting service. XXXX attempted to charge my company, XXXX XXXX XXXX for over XXXX dollars and my bank will testify to this if they need to. There is no one is n't the world that could have a XXXX dollar bill with XXXX, if anything is reported on my company negatively reguarding this issue, I will sue Complete Payment Recovery Services and XXXX for illegally trying to steal money out of my account and from my company. This is the only warning, cease and desist or I will see you in court.
09/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NY 11234	Web
I spoke with two agents of chexsystems today at telephone number XXXX XX/XX/2021 and informed them that I wanted any information they had about me suppressed, they informed me XXXX XXXX id # XXXX and then the supervisor XXXX id # XXXX ( both located at a call center in XXXX ) that all they could do was opt me out from pre screened offers or place a security freeze on my account. I informed them that neither was sufficient. I have relayed the facts that I am personally uncomfortable with them having my personal information as well as sharing it, it's a matter of personal privacy. In 15 use 1681 ( a ) ( 4 ), it states that " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness and impartiality, and a respect for the consumers right to privacy '' Chexsystems has told me that they violate my privacy on a continuous basis and will continue to do so without my permission.
12/12/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	OH 442XX	Web
I went to the bank to open a business account and they could not verify my identity and they stated that the report from chex systems came back identity error showing two names on the report when there can only be one name. I previously sent them the court order to remove the old name and they are refusing to correct the report thus causing a bank error with the identity and they are aware that it is creating an identity error. This is a form of identity theft that they are creating within the system because they know that it is wrong and are refusing to correct it. I have sent a copy of my drivers license, social security card, court order and letter disputing the information and they refused to remove the security freeze eventhough I never placed it on my profile. I told them I wanted them to permanently remove it because I never requested it. Documents were attached that were sent to them the letter was sent by mail.
05/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77084	Web
After receiving my Chex system report I noticed negative information reporting on my report from the account of XXXX XXXX XXXX XXXX. Ive written Chex system multiple letters letting them know that I do not recall having an entry of any sort stating that I owed an account called XXXX XXXX XXXX XXXX any amount when ordering my report. Chex System failed to write me back after sending multiple letters trying to fix this problem on my report. I am requesting them to provide me with any information that they have recording with proof of my signature AGAIN. I would also like the documents of the names of employees that they spoke with when verifying that these documents were so called accurate With the absence of this information, you can not furnish this information, I ask that this information be removed from my social security number ( XXXX ) immediately. Please send details to XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX.
09/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	WA 99205	Web
I was a victim of identity theft, and there was a bank inquiry from XXXX XXXX on XX/XX/2018. That I'm trying to get removed off my credit report and XXXX file - that caused an incorrect address on my personal file to appear from this XXXX XXXX inquiry. I have tried calling XXXX XXXX branch where the inquiry came from. I called the branch more than one time to try and resolve this as well as the fraud hotline. Nothing has been resolved. I have supplied documentation of what is on my credit file. On XX/XX/18 when I talked with the XXXX XXXX at XXXX XXXX - XXXX, he says there is nothing that they can do on their end. I talked with XXXX XXXX, and XXXX ( Branch Manager ) to resolve this issue at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX I want this issue resolved, want the inquiry removed off my credit report. I'm more than happy to supply copies of police reports, other documentation to support this. Thank you!
05/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	NH 030XX	Web
On XX/XX/18 I requested a copy of my credit report using chexsystems and using there automated machine at XXXX. I had received a report this way in the past. I have had an XXXX breach, XXXX breach, also I had been alerted that a previous potential employer had a confidentiality breach due to a past employee stealing a laptop with personal information. Address, Social security numbers, State and government issued IDs, etc. I have also had issues with my bank account XXXX XXXX XXXX, and cell phone carrier, XXXX which my father, mother and brother and I are all under one plan. Not receiving the report is alarming since you leave all identifying information verbally. There is not a person to speak to nor a facility close by to discuss my report. So I requested one online and received a confirmation that I would be receiving the report within 5 business days so most likely by Tuesday or wendsday of next week today is XX/XX/18.
09/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30135	Web
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive randomly been receiving bank statements in the mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX about accounts that were opened in my name. This was very weird because Ive never had an account with this bank or any of its parent companies, nor did I grant permission for anyone else to open this account. I have recently been a victim to identity theft due to a recent data breach. I believe this account was fraudulently opened as a result of such events as well. I ask that you please immediately erase and delete any accounts tied to my name since I am a victim of possible related identity theft. I shouldnt be held responsible for any accounts that I didnt authorize. Please have this corrected immediately! Account Not Belonging to Me : XXXX ACCOUNT # ending in XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX ACCOUNT # XXXX, and XXXX ACCOUNT # XXXX
06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 93534	Web
I haven't had a checking account with XXXX since I was XXXX XXXX XXXX XXXX ( XXXX ). Their was some problems with an account where it was closed down due to overdraft from a dispute. I paid then off within the next couple months XX/XX/XXXX. The account was settled, then I received a check a couple months later stating i overpaid, then all of a sudden i owe them again and have to repay them possibly a year later? XXXX is reporting checking account fraud when that was never the case. My first chase account was closed due to an unauthorized charge and my second was closed due to the dispute disagreement which led to overdraft. I do not appreciate being lied on and having my report tarnished where it affects my other banking business going forward. I would appreciate to have that report removed before considering legal pursuits. This is clearly not appropriate banking procedures and this corporation needs to be shut down.
09/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 900XX	Web
On XX/XX/XXXX I sent proof to Chex Systems of the reporting error showing a different account closure date and different account balance. Their response was a confirmation of their original reporting, and a contact address for the creditor, which was incorrect. I sent a certified letter to the creditor with the same proof of the error I sent chex systems, but my letter came back as a bad address. The other address Chex systems listed for this creditor is also incorrect. I am not able to submit my proof to the original creditor and this remains an item on my chex systems report despite, me providing proof it is incorrect. This error is extremely detrimental, costing me jobs, loans and the ability to open a checking account. I need it fixed immediately. Chex systems has taken over 75 days to address this issue and it is still not fixed. The other party wrongfully reporting/verifying this debt is XXXX XXXX XXXX XXXX.
12/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AZ 85208	Web
ChexSystems is reporting incorrect and/or inaccurate information about me and my banking information. The The Fair Credit Reporting Act ( FCRA ) law for inaccurate reporting states that Inaccurate, incomplete, or unverifiable information must be removed or corrected. Also, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). ChexSystems is required to report 100 % accurate and correct information of each consumer. My personal information is being reported inaccurately. My banking information and history are being reported by ChexSystems inaccurately. I would like my personal information, my banking information and my banking history reported 100 % accurately. Any information that is not accurate, complete and 100 % correct must be removed.
05/26/2015	Yes	Credit reporting	Incorrect information on credit report Account status	IL 60506	Web
I opened an account with XXXX XXXX XXXX shortly after my XXXX birthday in 2012. A check was given to me and was deposited into my checking account. Days later I realized that my account was overdrawn due to the check being returned. I immediately paid the fee and covered the deposit with my account. A week later I received a letter from XXXX XXXX XXXX informing me that my account was being closed due to fraud. I never committed an act of fraud. XXXX XXXX XXXX has reported me to credit and consumer bureaus for fraud. This has resulted in adverse harmfull action against me from the financial world. I CAN NOT open a account with any financial institution. I have tried to resolve the issue with XXXX XXXX XXXX for the past 3 years unsuccessfully. I attempted to resolve the issue with XXXX and XXXX systems directly but they report that XXXX XXXX XXXX is standing by the fraud claim with no evidence to substantiate the claim.
10/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Problem canceling credit monitoring or identify theft protection service	CA 94590	Web
It is the first time I heard about the company named XXXX XXXX. What happen is that, the bank called me and said that they canceled my application and Issuance of Debit card because XXXX XXXX told that my Account at XXXX XXXX Issued a token.on my account.But that token that Chex said is a dispute on my account at XXXX XXXX, and I wasn't aware of that. Because there's always someone accessing my account not only at XXXX XXXX, also to my account at XXXX XXXX and XXXX XXXX XXXX. That is why those account got closed due to the transactions that I didn't do.Because I am having issue accessing my account because all the device i '' m using was been compromise, and even all my email account and social media account. I think it was planted. Imagine, even my assets, investment, insurance, shares of stock and dividends are being manipulated already.by the called third party and maybe, Chex is affiliated with this third party.
08/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	AZ 85302	Web	Servicemember
I had my emails ( XXXX and XXXX ) taken over. I can not verify for ssa, fldeo, irs, or irs. I can not get a credit report as every time I try, my email gets hacked into. I DO NOT LIVE IN XXXX, XXXX WITH XXXX XXXX ANYMORE. I never lived at the address listed on XXXX XXXX. I visited there and was not allowed to access the mail. When I finally realized all of this was going on, I have been unable to move forward with life due to these discrepencies. I can not open a bank account, someone tried to file my taxe, I am owed thousands of dollars by the IRS. Noone can help me and I don know what ele to do. I lost mz XXXX XXXX license, access to XXXX XXXX XXXX domain from XXXX is inaccesible. I apparentlz had XXXX in XXXX name and various things were done in XXXX XXXX XXXX, the database for the insurance producers has been modified. i had a new idenifiicaion here in XXXX but for some reason still register in XXXX
08/24/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	KS 67207	Web
At XXXX XXXX CST on XX/XX/18 I received a call from a man who said he was with CSG. I asked him what CSG what that was and he said our office in XXXX, Georgia. He said he was calling me in regards to a file he had in his office and he was wanting to resolve it before they proceeded with further legal actions against me both criminal and civil. he never once identified himself as a debt collector or advised any information would be used for that purpose. He went on to say that he was representing Certegy and that they had three debts I needed to pay. The amounts he gave me were {$380.00}, {$250.00} and the other he trailed off on. He said he wanted to provide me the chance to resolve these before they proceeded against me. I have previously spoken to Certegy and the balances are no where near this. I advised him that he was incorrect and he got verbally pushy. I told him he was violating my rights and hung up on him.
02/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL XXXXX	Web
CHEXSYSTEMS QUOTES RULES AND THIER PURPOSE WHICH I HAVE NO OBLIGATION TO PERFORM, CHEXXXXX OPERATES ON A PRESUMPTION, I DONT HAVE ANY CONTRACT WITH THESE DECEPTIVE MISCREANTS, CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX BISNESS, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL XXXX XXXX XXXX AND GO XXXX XXXX WHILE XXXX XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE MISCREANTS
12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23324	Web
Since XXXX, 2022. I have contacted all the creditors on the distribution list I have provided about opting out, and having my information furnished on my credit report. Since learning about the XXXX data breach, I've noticed the inaccuracies being reported on my credit report and I have reached out to all of these creditors by mail requesting to opt out, I am even in a law suit over the miss information being reported. These inaccuracies are hindering me from holding down a professional position, causing me anxiety, mental fatigue and even the break up of my household. These false reporting have cost me many business deals one that would have worth close to a XXXX XXXX, credit cards being closed and/or reduced to the point. I went from $ XXXX balance now it's at {$800.00}, my lively hood has been uprooted and now I'm losing my house. Because I can not get any loans or credit to help support my household and family.
07/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35211	Web
To whom it may concern : After reviewing my ChexSystems report I noticed that a XXXX XXXX account is still reporting on my file. Ive expressed before that this business bank account was created without my knowledge. I have disputed this before and it was removed. I see it has been put back on my report. Since this issue continues to linger, Ive filed a formal police report and FTC Affidavit. This notice is to inform you that I have become a victim of identity theft. Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. Under the FCRA of 1970 Section 609 ( e ) I request that this information be deleted from my profile. I am 100 % willing to work with Chexsystems to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove this incorrect account from my report.
11/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
Attached is a police report from the XXXXXXXX XXXX XXXX The following Reported Information, Inquiries Viewed By Others and Only By Me currently listed and showing on my Chex Systems Consumer Report ID : XXXX are fraudulent, unauthorized and not my reported information or inquiries : XXXX XXXX XXXX, XX/XX/2023, {$960.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL XXXXX	Web
CHEXSYSTEMS QUOTES RULES AND THIER PURPOSE WHICH I HAVE NO OBLIGATION TO PERFORM, XXXX OPERATES ON A PRESUMPTION, I DONT HAVE ANY CONTRACT WITH THESE DECEPTIVE MISCREANTS, CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX BISNESS, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO ROUNDY ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE XXXX
05/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IA 526XX	Web
The following inquiries viewed by others and only by me currently listed and showing on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized and not my inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
02/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94533	Web
I filed a dispute with Chex system about a checking account that I closed with XXXX XXXX XXXX XXXX Bank the account was opened XXXX I closed the account in XX/XX/2020 I was unhappy with the service. When I applied for the account I opted out of the over draft protection some how XXXX XXXX XXXX XXXX closed my account as I requested but are saying they paid a bill which I didnt have over draft protection in the amount of {$370.00} I have called XXXX XXXX XXXX XXXX numerous of times asking what account was paid and please forward me what was paid and why was it paid it I didnt have over draft protection its been two months now and I have yet to receive any thing from XXXX XXXX XXXX XXXX or Chex system.I was reported to Chex system I filed a dispute with Chex system and I have not got a response I want for this to be took off my report closed out from Chex system as well as XXXX XXXX XXXX XXXX I dont owe {$370.00}.
11/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NJ 085XX	Web
ChexSystem Consumer ID : XXXX My Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Chexsystem have been reporting very low score on my name. I have been denied bank account opening with few credit unions due to wrong reporting by ChexSystem. Following is Facts on my account. 1. I never have checks return due to insufficient funds. 2. I was never late on payment or credit card or Loans 3. Almost all accounts I have opened or try to open is saving or Certificate of Deposit Accounts Due to ChexSystem Error or wrong reporting I was not able to open accounts with many credit union and lost opportunity to earn interest. I personally believe either ChexSystem has wrong information on my name or whole Reporting System in unfair and deceptive. It should be corrected as soon as possible and also correct system so in future person like me can not be victims of wrong or incorrect reporting by chexsystem
09/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information that should be on the report is missing	TX 77493	Web
A Financial institution ( XXXX XXXX XXXX ) filed a report with chexsystems reporting my Business account for suspected fraud, XXXX XXXX XXXX has since closed my account, Including a savings account I held in the bank for over 15years I disputed the information and Chexsystems carried out an investigation and the Financial Institution claimed to verify the information without contacting me or launching any investigations. Seeing that i was up against institutional collusion, I realized my only recourse to putting my side of the story out there is ADDING A STATEMENT TO MY FILE on Chexsystems. I sent Chexsystems a statement which was added to my file ( SEE attachment 1. ) A few days later i got a letter from Chexsystems stating an error and CHANGING my statement ( SEE attachment 2 ) The statement in ATTACHMENT 2 belongs to Chexsystems NOT me and it represents a BRAZEN denial of my FIRST AMENDMENT RIGHTS!!!
10/09/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 28213	Web
on XX/XX/2020 I have Called chexsystem to follow up on a dispute i have made with them due to being a victim of identity theft. The representative said " please hold while i listen to the last call recorded with the previous representative '' because they didnt see a dispute filed. The representative then came back on the phone and apologized and said " Ms . XXXX you did call back in XXXX and the last person you spoke with did not put in the request as you requested ''. I said this is a serious Violation! under the FCRA this must be removed because i have a right to dispute anything inaccurate or doesn't belong too me! They did not remove it they violated the FCRA. This Must be removed and now they want to file a dispute as of XX/XX/2020 knowing it suppose to been disputed and they never touched it and they said they did.. Please removed this from my credit report. They have violated The statue of limitation.
12/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 926XX	Web
I had an account open with XXXX XXXX that was the victim of ATM fraud because something like that takes a long time to investigate and although it was decided in my favor the account was in the interim closed as a negative by mistake with XXXX XXXX and reported to ChexSystems. When I notified ChexSystems about the fraud they referred me back to see our a management as a wider of that data and not XXXX XXXX and that I believe is the loophole that they lean on to continue to report in accurate information and not to be in violation with the CFPB or the FCR it act. It is a direct violation of our rights as consumers and should be corrected and the firms fined and sanctioned. What good is the FCRA law of You can simply pass it on to a company with a PO Box and claim they are getting the information from them. That in itself is a violation since they are not getting the information back from the actual source.
04/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78132	Web	Servicemember
XXXX XXXX XXXX was disputed on XXXX / XXXX / XXXX with XXXX XXXX XXXX . Chex Systems has been disputed on XXXX / XXXX / XXXX . My daughter had a student account attached to my accounts with XXXX . She submitted a fraudulent check through the ATM. This is the only way a student account can do banking is through the ATM. When XXXX found the check to be fraudulent XXXX shut down all of our accounts INCLUDING my Husbands that had nothing to do with my daughter 's account. Attempted to resolve with XXXX and no luck. Attempted to resolve with XXXX XXXX XXXX XXXX , Chex systems, and no luck. XXXX / XXXX / XXXX Today I have found that I can not open any accounts and have found myself without banking for businesses. Real Estate and Construction . I am not able to write checks to employees or conduct business. I am desperate to talk with someone to help the situation. Please help.
07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77449	Web
In XXXX of XXXX some accounts were opened in my name as a result of Identity Theft. I only found out in XXXX of XXXX when trying to open an account at my local credit union. I went to a XXXX XXXX XXXX branch where i spent an hour and a half on the phone with other representatives only to leave with no claim filed. I later found the claim phone number and got a claim opened on XX/XX/XXXX. I was told I would be sent an email to upload information so the claim can proceed. I have still yet to receive the email. I disputed the Information directly with XXXX XXXX XXXX and the information was removed however, this information is still being reported to Chexsystem and needs to be removed since it is preventing me from banking anywhere other than a prepaid bank. I need this issue resolved. I have called them 3 times since and every time they tell me ill receive the email in 72 hours and of course i never do.
12/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I am a victim of identity theft and have a current police report on file with Chex Systems. The following inquiries viewed by others and by you currently listed on my Chex Systems Consumer Report ID : XXXX are fraudulent, unauthorized, and not my inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. I want Chex Systems to immediately delete and remove the fraudulent and unauthorized inquiries from my consumer report today and send me an updated copy of my consumer report via U.S. mail. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
10/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92883	Web
I can not acquire another bank account due to XXXX XXXX sending me to collections. A transaction occurred through a third party payment solution company called XXXX. This transaction put my account in a negative standing of about $ XXXX in XX/XX/2020. I was completely unaware about this until I received a letter in the mail in XXXX stating that if I dont pay I will be sent to collections so I immediately took action and payed the negative balance along with a late payment totaling about {$400.00}. Once, I paid in full I decided to close the account at that time. I then found out in XXXX of 2020 that XXXX XXXX had put me in Chexsystems. This has hindered me from getting a checking account and to further my credit. I paid the amount owed and the late fee the same day I received a letter warning me. I need this to be removed. Ive contacted XXXX XXXX and they said it shouldve never got sent to XXXX XXXX.
12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 770XX	Web
I am a physician and am trying to setup a business seeing patients. I have tried to open a small business checking account at XXXX and keep getting refused because ChexSystems is reporting my credit history as frozen. Today I went to a physical bank location and a banker got the same false information from ChexSystems. My credit history was frozen for security purposes at all XXXX credit bureaus. It has been over ten days that all credit histories are unfrozen. I NEVER placed a freeze with ChexSystems. I did not even know about ChexSystems until I found out they were providing banks with false information on me. I am suffering HUGE financial losses because I am unable to transact financial payments and collect payments from patients. This is only and ONLY due to ChexSystems preventing a law abiding citizen from conducting legal business by blocking their ability to conduct financial transactions.
10/31/2023	Yes	Debt or credit management Credit repair services	Problem with customer service	IA 526XX	Web
ChexSYSTEMS a company FINANCIAL INSTITUTIONS UTILIZE TO MAKE FINANCIAL DECISIONS PERTAINING TO A CONSUMERS ELIGIBILITY AND THEIR ABILITY TO OPEN AN ACCOUNT, TO CASH A COMPANY ISSUED CHECK. OR TO OBTAIN ANY FINANCIAL ASSISTANCE OF ANY KIND. CHEXSYSTEM ISSUED ME A SCORE OF XXXX. THAT'S NOT HIGH ENOUGH SCORE FOR ELIGIBILITY ..... ANYWHERE XXXX IS THE NUMBER THAT ELIGIBILITY CRITERIA STARTS AT. CHEXSYSTEM HAS NO METHOD OF COMMUNICATION LISTED ON THEIR WEBSITE BESIDES MAILING A LETTER TO THEM. THEY PRICES THE ADDRESS CHEX SYSTEM HAS AN ONLINE DISPUTE FORM. BUT ONCE THE DISPUTE IS SUBMITTED. THERE IS NO AVAILABLE METHOD OF CONTACT. THE EMAIL CONFORMATION IS A EMAIL BOX THAT IS NOT MONITORED. AND STRINGING XXXX does not connect and neither does XXXX I can not obtain a bank account I can not cash a check written it to me from a company ANYWHERE And I am refused because off my CHEX SYSTEM ABOUT OF XXXX
05/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 93033	Web
XXXX XXXXXXXX XXXX has reported on checksystems ID # that they suspected me of fraud in XX/XX/17 for an amount of XXXX $ rtn XXXX XXXX. They have impacted me from getting any other accounts for my new business and personal accounts at any other banks. This information is wrong there was no fraud. I did own the account and I never did anything that should be reported as fraud. I demanded XXXX XXXX XXXX to remove this or show proof through check systems but nothing has come out of it. I do know that I left the account in a negative balance but was going to pay it off as soon as I had the money. Also, I suspected XXXX XXXX XXXXXXXX of adding more fees and changing the dates on the closed date with the intent to keep it on my report for a longer time. I tried opening a business account but with no success due to this reporting. XXXX is acting like a vigorish loan shark and borders on the side of illegal.
09/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19050	Web	Servicemember
I am a victim of identity theft therefore I often check my credit reports across the three most popular bureaus XXXX, XXXX and XXXX. On XX/XX/2019 I additionally requested a copy of my credit report from another reporting agency, Chexsystems. When I received the results from Chexsystems it was founded there were 0 accounts delinquent but there had been several attempts to pull my credit accruing several inquiries. I reached out to chexsystems to make them aware that it was fraud attempts on my name and requested to have the inquiries removed. I then submitted a written request to have the inquiries removed. I have yet to see results. The companies reporting inquiries include 3 attempts from XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX. These accounts are Unverifiable. Please remove ALL inquiries for they are not mine and consequently are having a negative impact to my credit report.
08/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 32514	Web
I'm frustrated because my consumer report still contains incorrect names and addresses, even after I submitted my driver 's license and disputed the wrong information about a month ago. The company already has my accurate details, so it seems like they're not making the effort to do their part. They should be following the rules outlined in the FCRA to ensure they delete information that's wrong, incomplete, or unverifiable. While they did remove one inaccurate entry from my report, they haven't fixed all the mistakes, which I consider lazy on their part. This should be the last time I have to dispute these incorrect names and addresses. They already have the right information from my driver 's license, so it's frustrating that they're not being fair and doing their job properly. It shouldn't be difficult for them to review a report and remove information that doesn't match what I provided to them.
02/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CT 065XX	Web	Servicemember
I was denied a business account with a local bank, mind you, I have several business checking accounts started in the past 3 years. I was told to contact ChexSystems. I called and requested a copy of my report. I received it and disputed the charge of {$96.00} from XXXXXXXX XXXX XXXX from XX/XX/2014, which I'd have paid if I owed it. They sent me back a letter stating they " verified '' the information and it would stay on my report and that I should contact the bank. Contacted the bank again who told me to contact ChexSystems because I owe NOTHING in their system. Spoke with ChexSystems and they told me I had to file another dispute because they put the wrong phone number for XXXX XXXX XXXX on their " investigation report ''. This is horrific because there is no accountability with ChexSystems. Who did they " verify '' this information with because XXXX XXXXXXXX XXXX is telling me I owe nothing?
03/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 208XX	Web
Over a month ago I disputed multiple items on my chexsystems report. Chexsystems completed their investigation and was able to corroborate my compliant and removed the items in question from my report. They sent me a new report. Since then I went back to the credit unions to open my accounts that were previously denied me. Two of those credit unions were able to verify that while I may have a corrected chexsystems report, on their end when they pull the report the same information is still being reported though the chexsystems product named " Qualifile '' Today I was able to verify that information with a third credit union. The credit unions are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Chexsystems must completely update all of their systems so that the credit unions have the same information that they gave me in a new report on XX/XX/2020 and rescore me based on those changes.
11/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30809	Web
XXXX XXXX XXXX permitted an account to be fraudulently opened with my maiden name, email address, date of birth, social security number, and a former residential address on XX/XX/2022. When questioned about how this was permitted, XXXX XXXX XXXX claimed that they use ChexSystems as their authenticator and that I could place a security freeze with ChexSystems to prevent future fraudulent accounts from being opened. I had previously placed a ChexSystems security freeze on my information on XX/XX/2022. When I shared that with the XXXX XXXX XXXXXXXX representative, she said that their system should not have permitted the account to be opened. Nonetheless, it did. XXXX XXXX XXXX representative was able to close the fraudulent account, but did not provide any clear further actions that XXXX XXXX XXXX would be taking to prevent a fraudulent account from being opened with my information in the future.
11/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	TX 75240	Web
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Also, update my personal information to my credit report. See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
06/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76705	Web
To whom this may concern, I am a victim of identity theft and I have previously reported this to Chexsystems, the FTC, Local Police, and others, however despite multiple attempts Chexsystems continues to report th e inaccurate information. I have received reports, but the information they claim they have remove, continues to report. More generally, Chexsystems has given me the " run around '' and has refused to assist in the understanding, disputing, or management of their consumer files. Given this situation, I am requesting Chexsystems promptly remove all previously disputed information and send a response. I have attached reports received from ChexSystems and if examined, you can clearly see a whole different name and DL number attached to my ChexSystem report. I have also taken steps to freeze my report, but have yet to receive a pin number to be able to access my report in the future.
04/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30096	Web
XXXXXXXX XXXX sent my account to XXXX XXXX XXXX. still reporting to ChexSystems and that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts, but is also affecting me in trying to open accounts at local banks and has caused my existing bank to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an checking account is because of what's being reported to ChexSystems. This is literally the example of holding my banking privileges XXXX and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
06/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90065	Web	Servicemember
On XX/XX/2020, I submitted a dispute to ChexSystems with evidence, proving XXXX accounts ending in " XXXX '' & " XXXX '' were paid in full. XXXX responded to these disputes stating these accounts were " unpaid '' and the receipts were illegible. Therefore, I resubmitted these receipts and contacted ChexSystems, and requested for these receipts to be re-presented again to XXXX. Afterwards, on XX/XX/2020, I inquired about status this investigation, and I was informed only one account " XXXX '' was updated to " paid in full. '' I have contacted ChexSystems several times, until XX/XX/2020 two more investigations were opened and as of today still no results. I do believe ChexSystems has thoroughly investigated because proof of receipt or paid in full status was provided twice. ChexSystems has refused to have a conference call with XXXX, therefore, I did not have a choice but to file a compliant.
06/02/2016	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	NJ XXXXX	Web	Older American
On XXXX XXXX I submitted a check for payment of merchandise in the amount of {$110.00} to XXXX XXXX. The company that they use to authorize checks, Certegy, refused to authorize the check and told the cashier she could not give a reason and told her to tell me to call my bank. Called my bank on XXXX XXXX. They explained they have nothing to do with this and it never came in to XXXX XXXX XXXX XXXX. Called Certegy ( see online they had a fine of XXXX dollars against them in XX/XX/XXXX ). They told me it had nothing to do with my credit or anything to do with me. It was their computer model. Their programmers seem to be incompetent. How many other people has this happened to. I have a debit card from my business account but I did n't want to use my business account for this purchase. I have excellent credit. Certegy is denying people with no history of bounced or bad checks for no good reason.
10/04/2022	Yes	Checking or savings account Other banking product or service	Opening an account Account opened as a result of fraud	GA 30126	Web
I have never had a personal account with these banks. I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. Please validate this information with XXXXXXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.
09/20/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	GA 30126	Web
I have never had a personal account with these banks. I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. Please validate this information with XXXXXXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.
10/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33573	Web
ChexSystem Has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) the banking system is dependent upon fair and accurate credit!! Even the Debt collector is reporting inaccurate information on my profile!! ChexSystem never informed me what's going on in writing to get the issues resolved, per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me a lot of problems, I can't get good rates on insurance or credit or a loan!!!
07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95825	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
03/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90620	Web
I XXXX XXXX XXXX am filing a complaint on ChexSystems for disclosing my information to multiple third parties such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX who has put me and my wife on a strict checking account not allowing us to deposit anything from a mobile app or ATM, having very limited transfer abilities basically making me feel humiliated and embarrassed of the situation. They are in violation of : 15 US code 1681a # 2 A1 15 US code 1681a # 4 XXXX XXXX XXXX is in violation of the Gramm Leech Bliley Act- they did not give me any opportunity to opt out from any information being disclosed, they also disclosed information without my consent to ChexSystems XXXX I have submitted a report from chexsystems with all the information. This situation has caused me much damage financially, not allowing me to open a bank account so i could acquire a vehicle loan for me and my family.
03/28/2016	Yes	Credit reporting	Incorrect information on credit report Personal information	MD 21218	Web
ChexSystems has reported information that is inaccurate. Under personal information they display names that are inaccurate such as XXXX XXXX XXXX, and XXXX XXXX XXXX which are not associated with any business nor my social security number seen on attached document chexsystems.pdf. There is also a page that is reporting my address inaccurately including the name XXXX XXXX XXXX XXXX seen on attached document chexsystemsXXXX.pdf. XXXX XXXX XXXX , XXXX is also reporting inaccurate information for a savings account that I had transferred money in and out of. They stated it was account abuse and closed the account without any notification. They also state that the account was PAID IN FULL AND PAYMENT PLAN which I do not understand how that relates. It was a savings account without any negative balance and nothing had to be paid all which can be seen on attached document chexsystemsXXXX.pdf.
08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 07002	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate
06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
Attached to this complaint is a letter from XXXX XXXX Notice of Data Breach informing me my personal information has been compromised. The following inquiries Viewed By Others and Viewed Only By You currently listed and showing on my Chex Systems Consumer Report ID : XXXX is fraudulent, not my inquiries and is the result of the data breach and identity theft : XXXX XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XX/XX/2023 , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XX/XX/2023 , XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2023 , XXXX, XX/XX/2023, XXXX XXXX XXXX XXXX XXXX , XX/XX/2023, XXXX XXXX XXXX XXXX, XX/XX/2023 and XXXX XXXX XXXX XXXX XXXX , XX/XX/2023
01/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 12866	Web	Servicemember
On XX/XX/21 XXXX XXXX reported to ChexSystems that I had an account with them and was closed overdrafted in the amount of {$1100.00}. The address they have listed for me is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. On XX/XX/21 XXXX XXXX Bank reported to ChexSystems that I also had an account with them and was closed overdrafted in the amount of {$1000.00}. The address they have listed for me is XXXX XXXX XXXX, XXXX, XXXX XXXX. I have never had any accounts with either one of these banks and I have never lived at either one of these addresses. I have never even been to XXXX XXXX XXXX Per CFPB regulations Im demanding that ChexSystems removes this false information off my report immediately! They are negatively effecting my banking relationships by reporting frivolous information. Please help me with these two frivolous reporting. Please Im begging you for your help in this matter.
04/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	OR 97527	Web
My issue is with Chex systems sometime in 2017 they reported an account from XXXX XXXX stating that I somehow owed them XXXX XXXX XXXX dollars which was completely false they never even let me open the account I had paid a XXXX dollar account opening fee that they refunded back to me right away I didnt have the account open for one whole day before they closed it and gave me the XXXX dollars back so I disputed this through their system and they denied me they considered it to be valid I dont know how or what they determined their decision based on because it was false on all levels but besides all of that it has been more then 3 years now and by law they legally have to take it out of my name I have tried to dispute it and demanded a request for removal procedure for the false account and all the millions of denied and declined inquiries from all the banks for the last past 3 years
09/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	ID 83651	Web
XXXX XXXX ... ... .. i have tried many times too get an account thru either a credit union or an actual bank. iam trying too fix my credit but behold XXXX they are holding me back from getting an account thru anyone due to the lack of their filling how things are on my reports. it just shows two available accounts. every time people say its due to XXXX XXXX either its fraud or something they are doing that isnt letting me get on with my life.. i have disputed and disputed and disputed and i dont know if they are doing something that is stoping me or if they have not updated my file. i have asked them to remove all the names except for my real name and the adress and still nothing, and i dont know why they are holding back for me not to get approved for anything.. i need something done cause they are just making my life hell. all the inquirys removed from my report thank you so much
12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	CO 80538	Web
In accordance with the Fair Credit Reporting act. The ChexSystem has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
06/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77066	Web
Hello, I am a victim of identity theft and would like to request assistance with resolving this issue. I have recently applied for a credit card at a credit union. The bank declined my application and stated there is fraudulent activity processed under my name. On a few occasions my social security card and ID have been lost and I am certain that may have caused my identity to be stolen. Shortly after, I was incarcerated and did not have the chance to report the stolen identification cards. I have provided all my information below for your review and awaiting guidance to help fix my identity/credit background. Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone number : ( XXXX ) XXXX DOB : XX/XX/XXXX Texas Identification # : XXXX Social Security # : XXXX XXXX XXXX XXXX XXXX account # : XXXX Consumer report for XXXX Reference # : XXXX Thank you, XXXX XXXX
01/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	MO 64083	Web
I was told in XXXX 2017 that I could not open a bank account because ChexSystems had an account lock for some reason against me. I just turned XXXX and I have never had credit or any kind of loan or other bank account, so there must be some kind of fraud going on. I immediately contacted ChexSystems and asked for a full report about what the reason was for the account lock, and they sent me some information in the mail that did not have any specific information as to why they locked my ability to open a bank account. I called them back and they would not answer any specific questions over the phone, but said I could file for another paper copy of my report again. I already did this and they gave me no information. I 'm going around in circles and they are giving me ZERO information about how to find out what is on the ChexSystems report under my name and personal information.
07/27/2015	Yes	Prepaid card General purpose card	Managing, opening, or closing account	CA 941XX	Web
To Whom It May Concern : When I try to access my prepaid rewards card account I am told that I must answer 4 security questions. First of all, none of the XXXX XXXX Q.s apply to me, and second, why would I share my personal info with a 3rd party, Fidelity National Information Services, which is not XXXX Bank where I have an account and earned the rewards?!! In any case, this is more security than I have been asked for by any bank, and it only makes it much harder to use the card, so Fidelity National Information Services can subtract more fees, or force me to call to find out my balance ( which I need to use the card! ), and then be charged even more fees. It is common knowledge that these prepaid " reward '' debit cards are a giant scam by the financial industry : I suspect that a large % of the value of these prepaid cards is lost by consumers due to these perverse tactics.
06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	FL 33157	Web
ChexSystem refuses to delete ITIN number causing conflicts with my SSN on my ChexSystem report. Currently my ChexSystem shows XXXX XXXX variations under the same report. Financial institutions are unable to get access to my ChexSystems due to XXXX not matching because of XXXX still showing under my personal information. I had an XXXX in the past which is no longer valid after I was assigned a SSN from the XXXX. XXXX becomes invalid and inactive after XXXX is assigned, and should never replace a SSN, however they do not understand this part. Additionally I want to mentioned they are using bad and incorrect practice, they asked me to send a letter from the XXXX indicating my full SSN digits on the letter, I contacted XXXX XXXX and they do not do letters with full social security number, the only proof is the Social Security Card or a XXXX form release request authorization.
02/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	NY 11203	Web
I ordered my annual free report from " ChecxSystems '' Consumer Relations located at XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX XXXX and received it Saturday XX/XX/2018 in there it has variations of my First Name, Middle initial, and Last Name. There were 3 variations of my current address. I Called this morning XX/XX/2018 to ask the Rep. if he can consolidate my Name variations and address variations and he said " I apologize but I can not do that '' I asked him to check the manual or with the manager, since in the past I would make corrections on the " Big 3 '' credit reporting agencies and had relatively no problem fixing up and consolidating variations, but he was unwilling to help in this matter. This is why I am opening this complaint since I do not believe that corrections and consolidations can not be made. Letter is by me should, and I will upload it when asked. Thanks
05/08/2017	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	FL 33023	Web
I have contacted Certegy Check Services numerous times in regards to fraudulent checks that have been written in my name. I have done several police reports and spoken to numerous customer service reps in regards to flagging my name so that these criminals are no longer able to write fraudulent checks in my name. I was told that they are not able to flag my name but, could not give me a concrete answer as to why. At this point over XXXX checks have been written in my name ( which have all bounced ) and the police came to my home looking to arrest me. If CERTEGY CHECK SERVICES would just flag my name the checks will decline and these criminals would be stopped. They have not helped me at all but, have reported me to the credit bureaus numerous times which has caused my score to go severely down. This is a nightmare and Certegy has done NOTHING to fix this problem. Please help
02/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 951XX	Web
I am the victim of identity theft and XXXX, XXXX, and XXXX as well as secondary credit reports XXXX, XXXX, ChexSystems, XXXX XXXX XXXX XXXX XXXX XXXX are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! Credit cards to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. Inquiries to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.
12/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85286	Web
Submitted dispute claims that XXXX banks that are being reported with information that is incorrect, not mine & /or accounts opened fraudulently. I have proof of the most recently submitted disputes where received verified by usps certified mail. The 1st time i submitted my disputes for these XXXX banks, I submitted through online submission with confirmation via email. In my disputes, I requested investigation into the XXXX banks being reported with reported negative information. I also requested the validation of this information bearing my signature. I did receive response for the 1st dispute submission but only stated that accounts where verified as accurate. But Chexsystem failed to give me my request for validation of this bearing my signature which is in violation of the fair credit reporting act. I've attached my most recent letters sent for my XXXX attempt to rectify.
08/12/2019	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	OH 45014	Web
This agency Chex Systems refuse to follow the laws and release updating correct info on my credit file with their agency. Chex systems continues to discriminate against me on a personal matter from me having a XXXX XXXX XXXX acct. that was paid off some years ago. XXXX said they contact Chex systems years ago asking them to update that my debit was paid in full with XXXX XXXX XXXX. I have been in great not good ... GREAT! stranding with XXXX XXXX XXXX since XX/XX/2015. I do not know what chex system problem is but I need this discrimination against me to stop! XXXX XXXX XXXX tries to open me a checking acct and saw that these idiots chex systems still has a block on me nationally so I can not open any checking acct anywhere. I am so sick of this agency not having current update info. Chex Systems, Inc.Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX
12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11236	Web	Servicemember
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
09/27/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	GA 30080	Web
To Whom It May Concern : It has been brought to my attention that { XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX } has listed { negative listing } on my CHEX SYSTEM file. To my knowledge, I have never had account with { XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX } ) therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX } copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that { XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX } be permanently removed from my CHEX SYSTEM report. For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA XXXX
04/14/2017	Yes	Bank account or service Checking account	Account opening, closing, or management	OH 43219	Web
Chex Systems is not complying with federal laws in regards to its records of me in its databases and what it reports I placed a consumer freeze on my credit file before and like magic it disappeared so today i placed one again. I check my XXXX credit report and they are letting their agency subscribers defame my name and character of debts that were charged off by which creditors have been paid for by writing them off as a loss on their business income taxes. The debts are now being reports XXXX times as if i owe the amounts XXXX times since 1998. by the fair debt collections practices act these items should have been purged and deleted outside of statutory limitations. These items under federal law should not be on my credit report by which they are and now i have submitted them to my attorney to pursue actions against them for trying to report them on my credit reports.
06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10463	Web
I have become a victim to identity theft. Someone maliciously used my information to get credit. Help me to remove/block fraud items listed on my Chex Systems report. I did report these fraud items to law enforcement Under 15 U.S.C 1681B permissible purpose of consumer reports, the credit bureau or creditor does not have rights or consent from me to report this fraud item and/or exploit any of my personal information under FCRA guidelines XXXX Please help delete/ block the fraud and inaccurate items listed on my credit reports. Additional Inquiries : XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date XX/XX/XXXX XXXX XXXX - Inquiry Date XX/XX/XXXX
07/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
The following credit inquiries listed on my Chex Systems Consumer Report IDXXXX, are all fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX Bank XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX, XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021, and XXXX XXXX XXXX XX/XX/2021. I am a victim of identity theft and has a current police report on file with Chex Systems.
11/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	NJ 079XX	Web
I went to buy an new car and I got financed through XXXX XXXX. They way the bank is treating me is odd. It seems that that they treating me like I have had credit and got and an very high interest rate. They told I have to XXXX to pay for my care in person. They also, told my checks are invalid. Im guessing they saying this because they think Im high risk. Well, that clued me and realized I had an problem with XXXX XXXX XXXX XXXX and reported reported me to Chexsystems. It was an mistake at the bank on XXXX, No. the Bank had it removed From Chexsystems. I found it wasnt removed. There an problem at Chexsystems. I tired calling but just telling to put in an dispute against the bank. The problem is that Chexsystems did not remove it. I called the bank and on there end was removed XXXX/2020. I asked them what I do with the loan. Guy just kept on repeating himself.
03/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53223	Web
I became aware of being a victim of identity theft when I received a call from XXXX Police to come into the office for an important matter. At the initial meeting, my information such as SSN, Driver license, as well as my citizenship paper were in the hands of the officer. It was then that I went to review my bank account and credit report to realize the monies had been taken out from my bank account and numerous of bank cashed checks as well as credit card were under my name. With this action, there is a court case still in pending status. At this time, I have tried to open another bank account so I can cash my checks from work to continue my daily life, however, I am unable to do so due to identity theft and the inquirer information of my CHEXSystems report. I have been informed and directed to this website to file a complaint. Please advise. Thanks, XXXX XXXX
11/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19124	Web
On XX/XX/XXXX, I sent an initial dispute to Chexsystems to verify the accounts listed on my report. Included in their results was an account from XXXX XXXX XXXX showing that I owe {$880.00}, however, they did not send any documentation the validate this claim. The letter simply states " They have also informed us that additional negative activity took place increasing the balance to {$880.00} at the time of charge off. '' On XX/XX/XXXX, I sent a follow-up letter to Chexsystems asking them for the documentation supporting that statement. On XX/XX/XXXX, I received a response from them. Once again, they failed to provide proof of this alleged {$880.00} debt. Please delete this account from my report, as Chexsystems is in violation of Section 611 of the FCRA which states unverifiable or inaccurate information must be deleted from that file of the consumer. Thank you.
07/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	IL 618XX	Web
On XX/XX/2022, I tried to lift a security freeze at ChexSystems. With all of the other credit bureaus I am able to log in to my account and place or lift a freeze with ease and within minutes. ChexSystems no longer has accounts in order to take these actions, which should be effortless for the consumer. Instead a pin system is used, which requires antiquated fax or snail mail to receive. Are we living in the dark ages? To resolve my issue, I called the company, multiple times, and only get automated messages. Requesting a human support representative I am told no representatives are available, even though it was within the time period representatives are available. This should be illegal. This jumping through hoops is going to XXXX up my ability to get a loan with the terms and purchase the new vehicle at the only time I am available to travel to pick it up.
01/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23456	Web
i am seeking assistance for help with communication with XXXX. After recieving my consumer report- I have inturn sent a certified letter back to them disputing a few items on my report. They wrote me back saying, there record is factual and accurate. I deserve VERIFICATION, HOW,, did you verify this information, They are reporting 2 XXXX Accounts with balances of {$140.00} AND {$120.00}, I submitted proof that these items were PAID, and the line of credit account is actually reporting positive on my credit bureau account with Nothing owing. They also Have about 10 address listed for me, I sent a notorized letter as well with the same correspondence, showing them my correct, ONE AND ONLY address. I would like to know what method they used to verify these accounts and these addresses deleted and updated with my new one thank you so very much, for your time
02/25/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IN 46545	Web
On XX/XX/2023, Complete Payment Recovery Services contacted me about an account, but they did not identify themselves as CPRS. I would not discuss personal information over the phone, and then did not send a validation notice. On XX/XX/2023, they called again, this time identifying themselves, and I stated again that I would not share information over the phone. I did request that they send a written validation notice from a verified agency. However, they stated they wouldnt discuss it with me and hung up on me I called back approximately 30 minutes later and stated I would be willing to communicate after receiving a written validation notice. They once again stated they would not discuss it with me. I said I dont need to discuss it over the phone, but they do need to send a validation notice. The person on the phone once again hung up on me as I was talking.
08/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	TN 37072	Web
I visited XXXX 's in XXXX, Tennessee on XX/XX/2017. I tried to write a check for {$70.00}. I 've shipped at this store for years. The cashier told me my check was declined. I said there is no way. I work at the credit union the check is drawn on and there is money in that account. I 've never bounced a check in my life. I asked th cashier to run the check again and it was declined again. Another associate tried it again and still declined. I asked for the phone number and called Certegy Check Services. I spoke with a reo that said my check did n't meet the criteria but would n't tell me why. This was a huge embarrassment for me. I have excellent credit, long standing employment and lived at the same place for over 13 years. I would like an answer as to why my check was declined. It is pure discrimination and unfair. Something is very shady about that company.
12/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91316	Web	Older American
On XX/XX/21, XXXX XXXX alerted me to a new inquiry on my credit report with XXXX. This Hard Inquiry was from XXXX XXXX with which I have no relationship ( never did ) and I had not authorized this request. I submitted a dispute with XXXX, however they refuse to remove it from my report. Subsequently, I received a letter from XXXX XXXX XXXX XXXX ( attached ) telling me that they have received a request to open an account which XXXX XXXX believes is fraudulent. Therefore, I filed a report with identitytheft.gov which instructed me to request my Credit Report from ChexSytems. This report ( attached ) shows 6 other banks/credit unions which have requested inquiries, NONE of which are from me. These requests have inaccurate phone numbers and SS numbers on most of them. I realized that the problem was much bigger than I thought -- -hence, I am filing this report.
03/03/2016	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	NY 10022	Web
XXXX XXXX XXXX uses Certegy Check Services, " Certegy '', to provide a recommendation to process a check for deposit. Every month, for over 12 months, I have written and deposited a {$100.00} check into my sister 's XXXX account via remote deposit. This month, due to a computer algorithm that no one understands, Certegy recommended to decline my check for deposit, twice. Upon calling Certegy ( call reference # XXXX ), and providing approval as the payee, the company has no way to override a computer decision. There are more than enough significant funds available in my account, and I 've written the check and given my approval for deposit, yet Certegy is allowed to reject transactions without manual override. As a payee, I feel that Certegy has no legal right to reject a transaction against my account that I explicitly approve and have sufficient funds for.
09/06/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	FL 33068	Web
DISPUTING THIS ALLEGED DEBT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM FORMALLY REQUESTING VALIDATION OF THIS DEBT, AS PER MY RIGHTS GRANTED BY THE FDCPA. UNDER SECTION 809 ( b ). I HAVE SENT A CERTIFIED HANDWRITTEN REQUEST TO CHEXSYSTEM FOR THIS DEBT TO BE ACCURATELY VALIDATED WITH DETAILS SHOWING PROOF THAT I OWN THIS DEBT. DOCUMENTS ARE ATTACHED. I AM ALSO DISPUTING UNAUTHORIZED REPORTED INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM ALSO DISPUTING NAMES AND ADDRESS REPORTED IN MY PERSONAL SECTION OF MY REPORT I REQUEST FOR ONE NAME TO BE REPORTING, AS LISTED : XXXX XXXX I AM REQUESTING FOR ONE ADDRESS TO BE REPORTING, AS LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30096	Web
XXXX Bank still reporting to ChexSystems and that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts, but is also affecting me in trying to open accounts at local banks and has caused my existing bank to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an checking account is because of what's being reported to ChexSystems. This is literally the example of holding my banking privileges hostage and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
01/18/2021	Yes	Checking or savings account Checking account	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33311	Web
Dispute letter was sent XX/XX/XXXX via certified mail USPS for the second time asking Chex Systems Inc to verify this account they have furnished on my report. Chex Systems inc has yet AGAIN failed to provide me with copies of any viable evidence submitted by the BANK account furnished on the report. As I have not heard back from Chex System in over 30 days regarding my notice of dispute dated XX/XX/XXXX I must presume that no proof in fact exists.. I have also made them aware that I have maintained a careful record of my communications with them for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should they continue in their non-compliance. I further reminded them that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), theg may be liable for your willful noncompliance.
08/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33470	Web
I have sent 3 letters to this organization to send me proof of the alleged infraction that is reporting in my name. The company has refused to do so and is now stating my dispute is frivolous when they haven't sent me what I have asked for. I have not received any dated information with the company 's logo with stating how this infraction pertains to me. According to the FCRA Page 35 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. Please send information from YOUR database. Not information that you have to acquire from XXXX XXXX XXXX for the investigation. XXXX XXXX XXXX can alter information for your benefit. This organization has yet to comply.
03/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85302	Web	Servicemember
XXXX continues to extort by reselling fraudulent credit information - they refuse to fix under order of us govt- or persons filing against them for doing so. This info was removed from files and blocked from reporting, yet persistently appears on sold info to any creditor requesting copy-which does not disemenate from the bureaus as companies are forced to make claim, even as claimed on documents. The files in fact point to old data XXXX, XXXX XXXX, etc ( all 3rd party subCRAs, illegal ) have collected " from the bureaus '' and some point in the past. these companies have no intention of correcting or purging files. I have been requested to CC XXXX 5+ years of information so they can push buttons on a computer and VERIFY DATA- I have no credit accounts. There is no info to give. all accounts have been disputed in full, removed, closed, or PAID ( XXXX ).
01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	AR 723XX	Web
I paid XXXX $ to XXXX XXXX for DDA ChexSystems and they told me my credit would be fixed and I will be able to open an account with in 3 days, almost 10days went by I called to check on the clearance and a support advocate answer the phone disrespectfully so I ask for my refund then the advocate start to say XXXX XXXX and XXXX XXXX me I have multiple recording of different advocates showing bad customer support and constantly giving me false statements that my money been refund but when I called my money account they said they havent received no refund of deposit or had on pending so at this point my money getting hoarder and I have recording of me calling and they not answering cause they know why Im calling I have proof they know when I call cause I have recordings of them answering the phone and stating my last name as they first words of choice.
06/02/2023	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	GA 30274	Web
I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. Please validate this information with the XXXX XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.
05/01/2018	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	NY 10033	Web
Good morning. Ive been on Chex systems for a couple years now. Ive been trying to open a checking account but when I apply to serval branches they decline due to Chex systems. I had a fraud activity when I was younger with XXXX XXXXXXXX XXXX. They stold my card and I spoke to the banker and they close my account. Later on I have to pay a return fee balance which I did. It happen on XX/XX/14. They are not helping me remove something that didnt cause by me Chex systems when I call are very rude and not helping. I need to know if Im able to open a account now its been years and I have a right to do that because I never had this problem in my life. This is ridiculous and Im highly upset and if I have to sue the company of not understanding my issue or accusing me this was my fault I will do so. I need some one higher of a company to help me with my issue.
08/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	PA XXXXX	Web
Chex Systems XXXX Is furnishing data that is preventing me from being able to open up a checkings account with banking institutions. I spoke with a representative on Monday XX/XX/2023 around XXXX. I asked the representative how can I remove the inaccurate information that is listed on the consumer report ; I was told that I can not have any of that information removed because it is verified information. I was never contacted prior to the information being furnished on the consumer report neither was I informed about the information listed about me. The FCRA requires that investigations be completed within XXXX calendar days. Under section 312, it requires that information furnishers including banks, and credit unions provide accurate and complete data to consumer reporting agencies, any failure to comply with these provisions constitutes federal law.
02/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CA 92122	Web
My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap i will not wait another 50 days to receive no response because dearly yawl ignoring me. i demand these accounts be deleted immediately or ; will file for litigation due to the stress you caused me. Section 611 ( a ), it is plainly slated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly.
05/31/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL XXXXX	Web
I submitted a complaint XXXX against Chexsystems on XXXX 17 Regarding an issue with XXXX being reported on my Chexsystems report. Chexsystems came back and said the issue was investigated and found to be factual. I also have a complaint into XXXX XXXX Regarding this matter also submitted on XXXX XXXX XXXX says they need more time and still ca n't pull up the information being reported to Chexsystems and need more time as of today XX/XX/ 17 . I have Phoned XXXX XXXX Directly How is it that XXXX XXXX Can not confirm this information to CFPB and me as of today 's date, however, Chexsystems has it all confirmed. and XXXX was able to give them the full information regarding my issue? I believe Chexsystems is in Violation of the law and did not investigate the issue and just spit out an answer.
06/12/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NY 11566	Web	Older American
I have been victimized by an identity thief. They established several loans in my name and opened several checking accounts with credit unions and banks in order to withdraw funds from loans obtained fraudulently. I sent chexsystems via fax a copy of the police report that i had amended including XXXX checking accounts that were reporting in my name in their system. I had received an updated copy of my Chexsystems report showing the accounts removed. But later got an updated report showing the XXXX fraudulent checking accounts with XXXX and with XXXX Bank. This has been an ongoing issue in trying to get my name cleared. I should have nothing negative reporting on my file and only XXXX inquiry that belongs to me from XXXX. I am attaching to my complaint the amended police report that shows those XXXX fraudulent checking accounts on the police report
04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	LA 70118	Web
This is my second time writing to you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX LA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.
01/16/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 622XX	Web
after carefully reviewing my Chex system consumer report I discovered information reporting that is inaccurate I believe is a result of identity theft Ive been a victim of identity theft before, after reviewing I believe my credentials was used to inquire for product and obtaining services without my consent I contacted the companies involved didnt receive any responses this is a serious matter I request that a investigation take place immediately to protect my rights as a consumer under 15 U.S.C 1681 s-2 Section A a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
09/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 76052	Web
Dear Sir/Madame, There is information that on my consumer report that is a result of identity theft.I did not provide written permission or instructions for the identified transactions to be reported on my consumer report .I am requesting that the reporting of the information be blocked and deleted .My request to block is not being made in error ; nor is my request to block being in made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.The identified transactions are not information related to any transaction by me as the consumer : CLOSED ACCOUNT WITH NAME XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4days from the date of the receipt of this notice .I look forward to your response. Thank you
06/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33139	Web
I recently applied for an account with XXXX XXXX Bank and was declined. They use a consumer reporting agency called XXXX who informed me via letter that my consumer score was XXXX. After requesting a credit report all I am able to see is which financial institutions have requested to see my credit information. This report does not show anything indicating how the got a score of XXXX. My credit score at XXXX and XXXX are both above 800. After calling both XXXX XXXX and XXXX they are not able to provide me any information on how they got to this score or what negative information may be affecting it. My concern now is that there may be some information that is impacting my credit and I may not be aware of it. Can you please inform me of how I can proceed with this to correct it? Thank you XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Fl. XXXX
09/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85248	Web
XXXX XXXX XXXX reported fraud to my report on chexsystems a few yrs ago. When I found out last summer XX/XX/XXXX I called XXXX and they stated that they never reported i had fraud and that my account I had with them was closed because it had a negative balance. I then contacted chexsystems to remove the fraud report and they said they would investigate. 30 days later i recieved a mailer stating they needed more time and I have not heard from them since. The night of XX/XX/XXXX I tried to open a debit account with XXXX XXXX and I was denied because of fraud with Chexsystems. So they obviously never investigated nor removed the fraud defamation. I then reported this here about chexsystems and they lied and the complaint was closed. XXXX had a collection company call me on XX/XX/XXXX and still has never responded regarding the defamation of fraud.
08/08/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	AZ 85022	Web
Early warning systems and Chex systems saying that I have a Bank XXXX XXXX account and a XXXX XXXX account that is on my banking history that is stopping me from opening up any personal accounts creating hard ship in my life. I was sending out letters but they do not respond back! They are not following the right procedures. I sent in different letters and contacts the financial institution. Bank XXXX XXXX said they do not have any accounts on me! XXXX XXXX do not have any account information for me as well! 15 U.S. Code & 1692g - validation of debts. Within five days after the initial communication with consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing the debt.
09/22/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	OH 435XX	Web
According to the FCRA the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. a consumer reporting agency shall inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
04/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30096	Web
XXXXXXXX XXXX still reporting to XXXX and that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts, but is also affecting me in trying to open accounts at local banks and has caused my existing bank to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an checking account is because of what's being reported to XXXX. This is literally the example of holding my banking privileges XXXX and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
07/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	TX XXXXX	Web
I was denied a bank account by two credit unions XXXX XXXX and XXXX XXXX and were denied accounts by both because of what was found in my chex systems they both stated that chex systems showed where I mishandled a checking or saving account. After reviewing my report I did not see anything wrong with my report and called chex systems to explain the report to me. The agent stated that there was no indication of any mishandled accounts so I called both banks to see what they were viewing and they told me I have to refer back to chex systems and they had to remove the comments that were preventing my from opening the account. Chex systems stated that there is nothing that I could do and to go back to the bank. I would like to know what I need to do to clear the items that are preventing me from opening a bank account its not clear what's wrong.
03/26/2017	Yes	Bank account or service Checking account	Making/receiving payments, sending money	TN 383XX	Web	Older American
On XX/XX/XXXX, my wife and were shopping at XXXX in XXXX, MS ( store XXXX ) and went to pay with our recently established construction checking account with XXXX County XXXX. The check was for {$160.00}. The check was denied and we were shocked. We immediately called our bank and told there was plenty of money in the checking account. We then called Certegy, but were told that they could do nothing. We then wrote to Certegy Check Services and they replied with a 6 page document which did not give the reason for this denial. On XX/XX/XXXX, we had cashed a check for XXXX at the same store, same checking account. The only thing the 6 page letter told us was that our transaction fell outside of the guidelines Certegy has established for authorization. This is an inadequate response. We want to know specifically why they denied this transaction.
09/25/2016	Yes	Credit reporting	Incorrect information on credit report Account status	CA 95945	Web
To whom this may concern, This is a follow up to my previous letter sent on XXXX XXXX, 2016 that has not received a response. I have become suspicious that there is incorrect and outdating information on my Chex Systems file as a result of identity theft. Please provide me with digital copies of my report and further be advised that I have been living outside the country for the past 3 years and have not used a XXXX bank account. I believe my identity may have been stolen by an opportunistic individual with access to my information and knowledge that I am outside of the US. Therefore, I also submit a formal dispute to delete all records submitted to my file within the past 3 years as they are most certainly the result of identity theft. I have attached the necessary information to verify my identity. Sincerely Yours, XXXX XXXX XXXX
12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I am a victim of identity theft and Chex Systems has a current police report on file with my Chex Systems Consumer Report ID : XXXX. All the reported information and inquiries viewed by others from XXXX XXXX to XX/XX/XXXX currently listed on my Chex Systems Consumer Report ID : XXXX is fraudulent and unauthorized inquiries viewed by others. I have not applied for any checking or savings accounts with any bank or credit union. The credit inquiries from XX/XX/XXXX to XX/XX/XXXX is not my inquiries viewed by others or reported information. The reported information of me having a previous checking account with XXXX XXXXXXXX XXXX and XXXX XXXX is inaccurate and fraudulent checking accounts. I have never applied for or had any checking account with XXXX XXXXXXXX XXXX or XXXXXXXX XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
01/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Didn't receive services that were advertised	MO 63367	Web
RE : Consumer ID XXXX On XX/XX/XXXX I sent a letter to XXXX XXXX requesting they place a security freeze as allowed by my state law as well as an updated copy of my consumer report. XX/XX/XXXX I received a letter dated XX/XX/XXXX requesting I sign a document to verify my identity in order to place a freeze. Enclosed was a copy of my consumer report. The form they request I sign simple repeats the verifying information that was provided in my original request. My letter included a copy of my current state driver license along with my SSN and DOB. My complaint is that the receipt of my consumer report indicates that I met the threshold for identification verification. I have complied with the requirements of MO 407.1382.1 ( 1 ) and ( 3 ) and XXXX XXXX has failed to comply with my request for a security freeze as required by MO 407.1382.2
10/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	WA 98516	Web	Servicemember
I tried to open a savings account with XXXX XXXX. They told me I was denied because of my credit score with XXXX. I contacted XXXX and the report has no negative information to dispute but they have my score in the XXXX out of XXXX. My score with all XXXX XXXX, XXXX, and XXXX are over XXXX out of XXXX. They say I cant dispute their logic, but there has to be an error. The top XXXX reasons that contribute to my score all say the same thing : either no info in the last 3 years or adverse info. I have a mortgage in my name, a car loan, XXXX credit cards paid off every month, etc. There is no reason they shouldnt be able to find info on me. The more I ask, the more they speak sternly and say there is nothing they can do. This is crazy because I can get loans, but cant open a savings account. Please help me fix this as they wont do anything.
02/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I am a victim of identity theft and have been a victim of identity theft for over 25 years. I have a current police report I sent to Chex Systems currently on file. The following reported information and inquiries viewed only by you currently listed and showing on my Chex Systems Consumer Report : XXXX are fraudulent and not my bank checking account or inquiries : XXXX XXXXXXXX XXXX XXXXXXXX. Account Number : XXXX, Account balance : {$16000.00}, Account Closure Date : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX I have never opened or had a checking account with XXXX XXXXXXXX XXXX The XXXXXXXX XXXX XXXX is a fraudulent account and not my account. The inquiries are fraudulent and unauthorized inquiries. They arent my inquiries. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
03/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IL 62703	Web
On XX/XX/XXXX, I have faxed, the attached letter to ChexSystems in regards to the disputes stated : Dear Sir and Madam : I, XXXX XXXX XXXX have received ChexSystems letter, in conjunction with your assigned reply identification number, XXXX, to my consumer file dated on XX/XX/XXXX. This letter is to inform ChexSystems of my disputed items unlawfully reported onto my consumer identification account number, as listed below : 1. XXXX XXXX XXXX ( I had never used this name, as a legal reported name, perhaps identity thieves forged my signatures onto unknown documentations. ) 2. XXXX XXXX ( I had never used this name, as a legal reported name, perhaps identity thieves forged my signatures onto unknown documentations. ) 3. XXXX XXXX XXXX, XXXX, Illinois XXXX ( in XX/XX/XXXX, I was denied by this USPS, this lockbox without an explanation ).
11/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 94112	Web
On XX/XX/XXXX, I submitted a police report stating clearly that an account with XXXX XXXX XXXX had been opened back in XXXX without my consent and is still showing on my Chex systems report. I submitted this police report to Chex systems and it is notated on the report by the police officer that this account was opened without my consent. Chex systems refused to remove the charged off checking/ savings account because the police report was filed too long after the incident. However, I have previously submitted a dispute to Chex systems in XXXX and they refused to remove it without a police report. They said that if I obtained this police report that it would result in removal. The account is clearly not mine according to the evidence gathered and booked by the police officer as stated In the police report. I need this account removed.
07/26/2020	Yes	Checking or savings account Checking account	Managing an account Banking errors	GA 30274	Web
I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.
11/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	NY 117XX	Web
I have been denied on two separate occasions from opening a bank account because of information chexsystems has provided to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. The chexsystems inaccurately depict me as a risk for fraudulent activities. I believe this is because the discriminatory practices of Chexsystem. I am a consumer in good standing and have never had any type of fraudulent activity in my life and have been in law enforcement for 29 years. Although I am trying to open certificate of deposit ladders at a number of banks and take advantage of higher interest rates this should not label me as a fraudulent risk to banks when they do a credit check on me. The discriminatory practices against chexsytems should be stopped immediately. They have effected me financially by withholding my ability to obtain higher interest rates at banks.
10/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 92505	Web
I paid XXXX XXXX XXXX in full, for an over drafted bank account. The account number is, XXXX - XXXX. Amount requested by XXXX XXXX XXXX {$1200.00}. Amount paid by XXXX XXXX, {$1200.00} for XXXX balance. This account was initially reported as Suspected Fraud Activity. This language is suggestive that elements of Fraud were present. When this was just an overdraft. A customer issued me a check, I deposed the check in good faith. The check amount was credited to my account, but later returned to me as NSF. The bank overdrew my account {$1200.00}. However, there was never any elements of Fraud involved. XXXX XXXX XXXX reported this erroneous information to ChexSystems. ChexSystems is reporting this erroneous information to those who pull my information. XXXX XXXX XXXX is declining to open a new account because of this language.
04/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NC 27455	Web
I was the victim of identity theft. In XXXX of 2022, a XXXX XXXX XXXX checking account was opened in my name. I was able to close this account. XXXX representatives instructed me to contact Chexsystems and place a freeze, which I did in XXXX. I also have freezes with all three credit bureaus. Earlier this week, another XXXX checking account was opened in my name despite all freezes ( Chexsystems and all three credit bureaus ) being active. After speaking with Chexsystems, they informed me XXXX ignored their security freeze. When I spoke to XXXX about this, they informed me that this had happened before regarding Chexsystems and they believe the Chexsystems security freeze is not working properly. They directed me to the FTC and I have made my way here to report my issue with Chexsystems and/or XXXX XXXX XXXX regarding this issue.
05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34243	Web
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. In XX/XX/XXXX I applied for a XXXX XXXX checking Account and was denied due to checking account fraud provided to XXXX XXXX from XXXX XXXX XXXX. I contacted XXXX and I was told that on XX/XX/XXXX a fraudulent transaction was received from XXXX XXXX XXXX bank and credited to bank account # XXXX. XXXX records showed that the transaction was reported as unauthorized and deducted from the account. I have never used this account nor do I have access to it and I do not know anything about this transaction nor is it related to anything I have done or have been a part of. My account with XXXX is different from this one and I have had that account since XXXX. I filed a police report for this incident.
06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	DE 19701	Web	Servicemember
I have been trying to get Chexsystems to remove fraudulent inquiries from my report for accounts I did not open. Each time I submit a dispute, it comes back verified despite me stating that it was the result of Identity Theft. Of course, if SOMEONE else applied for accounts in my name the inquiry did indeed occur, but not by me. I have submitted my reports stating that I did not myself apply for these accounts and submitted an FTC report, they are stonewalling me. They lose my affidavit, but then tell me to get it signed by a police XXXX. The first time I called, it was said to get the FTC report, and that a police signature was not needed. Each time I try, it's something new to stall the removal of inquiries I did not make. Each time I get different hoops to jump through that the previous person did not suggest or make clear.
02/17/2017	Yes	Credit reporting	Credit reporting company's investigation No notice of investigation status/result	TX 77072	Web
To who It may Concern I am very Disturb on how this Credit Reporting Agency CHEXSYSTEMS Conducts Business. I requested my Credit Report I received it and things i did n't understand, the things that was on there i disputed them it was Inquires and Wrong Addresses submitted by XXXX and XXXX both which are Credit Reporting Agency 's also. So Chexysystems is submitting things that never was reported to them. So I want to know the method they use to verify accounts and inquires how did they Obtain my Social Security Number and my Address and my name. how are they able to prove to me that something is Verified if you getting information from two other sources, He say she say, Conflict of Interest, and i willing to take them to Federal Court because they are clearly Violating all of page 37 Section 609 of the Fair credit reporting Act
04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 10704	Web
XXXX willfully reported to the credit union that applied for that {$730.00} in overdraft fees that was initially in error by an old account by XXXX XXXX bank back in XX/XX/2018 for a closed bank account. Upon contacting XXXX XXXX back they said that amount was an error and that the correct amount is {$370.00}. ChexSystem acknowledges that they received the amended notice of amount owed of {$360.00}. Not {$730.00} but the will not change it to {$360.00} unless I pay the full balance to {$0.00} eventhough I told them I dont owe them a dime. My due process rights to correct amount credit report is being violated. The lenders I applied to said that if the amount was lowered to the correct amount they will waive the restriction due to the age of almost 5 years reporting but CHEXSYSTEMS is illegally still reporting incorrect amount
12/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NY 11204	Web
Chexsystem is showing 4 accounts on my report with XXXX XXXX : Ending in : XXXX Business account XXXX Personal account XXXX XXXX The last 2 accounts are non existent. I attached a letter from XXXX requesting to remove XXXX and XXXX. I have tried reaching out to them via phone. They instructed me to fax in a letter from XXXX stating which accounts are not mine and that they should remove them from their system. The fax was sent on : XX/XX/22 at XXXX, XX/XX/22 at XXXX, XX/XX/22 at XXXX to their fax number they provided to us : XXXX ( see attached in this complaint ) We called multiple times to confirm that they received the fax, but they claim they didn't. On our end our fax system showed the fax was sent and received by the other party. Their address : Chex Systems , Inc. Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
03/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	ME 040XX	Web	Servicemember
Addendum to XXXX. CPRS claims letter was mailed to address on file on XX/XX/XXXX. I did not receive mailings from this company. Also, in the reply from CPRS, there are some companies, to which I do not conduct business with, that are raising some serious concerns. I do not conduct business with XXXX. I have been with XXXX, since XXXX. Also, I do not have an account with XXXX. My vehicle is currently financed through my local credit union. I previously had an account through XXXX, to which that account was closed in XXXX. Also, I do not have dealings with XXXX XXXX. These account belong to others. Also, this is very alarming, as others may have my account information, as well as I was sent account information on others. Also, the date of XX/XX/XXXX, is from a fax server. This hereby proves no letter ( s ) was ever mailed to me.
07/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I have sent Chex Systems , Inc, documentation informing Chex Systems that I received a letter from XXXX XXXX informing me that my personal information was stolen, compromised and used. Theres inquiries currently listed and showing on my Chex Systems Consumer Report ID : XXXX that is from the data breach and identity theft, and not my inquiries. The following inquiries viewed by others and only me is fraudulent, unauthorized, and not my inquiries : XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XXXX, XX/XX/2023, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023, XXXX XXXXXXXX XXXX, XX/XX/2023, XXXX XXXXXXXX XXXX XXXXXX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXXXX/XX/2023, and XXXX XXXX XXXX XX/XX/2023.
05/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	GA 30311	Web
In 2018 i tried to open a bank account with XXXX XXXX XXXX XXXX which was denied and i was asked to go to a branch with 2 forms of id. I went to a branch with id and account was opened.I am a current memeber of XXXX XXXX XXXX. When trying to open other bank accounts i kept being denied. I got a copy of my chexsystems report which says i have a account closed for fraudulent activty. I contact XXXX XXXX XXXX several times with no reason why the account shows closed for fraud. i have contacted and disputed with chexsystems to no avail.XXXX XXXX XXXX cant tell me anything and niether can chexsystems mean while the only one to suffer is the consumer.They do not verify information properly and there is no way for the company that reported the item and the agency reporting to even verify. Then they ping pong you back and forth.
11/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CA 90057	Web
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I have submitted XXXX requests to have a negative report removed from my Chex system. Ive requested documents with my signature to validate the negative report and they keep sending me the bank statements. This is not sufficient evidence and does not have my signature on it. The bank that reported the negative information knows it wasnt me bcoz it wasnt my card used. I was the one who reported it to them but held me responsible because their reasoning was a pin was used so it was authorized. I want solid evidence like surveillance photos. I requested for copies of the checks deposited with my signature on it. The bank nor Chex system could not provide this to me. This is my right to have solid evidence with my signature and they cant provide it because I never authorized these transactions.
10/25/2019	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	PA 186XX	Web	Servicemember
i cant open any kind of a account in any bank b/c it states i owe money to banks witch i dont owe nothing i had my id taken in the earliy XXXX in XXXX pa when i then tryed to open a bank account there when it stated i had one with them and owed a fee here to come find out it wasnt me it was a man who used my ssn in florida and the bank tryed to solve this at the time and coundent now the bank is no longer around but yes kids have taken my car from XXXX pa and all my purse and id was taken and anyone now can get your info online for a fee but im telling u its not me i cant get nothing im not a young chicken XXXX XXXX XXXX captured his first ever XXXX XXXX XXXX XXXX victory this past season with his teammate XXXX XXXX. After his championship victory, is it time to put XXXX among the greatest drivers in the modern era of racing?
08/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30101	Web	Servicemember
check systems has denied deleted a fraudulent account. ( XXXX XXXX XXXX ) in have ask them even. sent them over a FTC identity theft report and they did not want to except this. at all, I just file a dispute with them to remove this account and inquiries, all these were done with out my knowledge, checksystems has gave me problems, muy identity was used by XXXX XXXX and other banks I have sued XXXX XXXX for fraud and identity theft, please have check systems remove this account and have disputed other accounts on check systems like XXXX XXXX XXXX and family savings as fraud please make sure these are remove to please XXXX ) this is the confirmation number for my dispute please help I'm tired of getting treated badly, also other inquiries, XXXX XXXX, XXXX XXXX, XXXX XXXX also the checksystems report numberer is ( XXXX )
08/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NM 87110	Web
I'm a victim of identity theft. I have called and sent certified letters to ChexSystems to obtain XXXXyear extended security alert and PEMANENT Opt-out of prescreened promotions. I mailed ( via certified mail ) ChexSystems all the documents that they required to process the XXXX extended security alert and permanent opt-out of prescreened promotions, including ChexSystems notarized identity theft XXXXfidavit ( parts 1 and parts 2 ), copy of my FTC identity theft report XXXX copy of my NM driver 's license. I have received a letter confirming the XXXX opt-out of prescreened promotions. However, I asked for PERMANENT Opt-out and XXXX extended security alert and these have NOT been accomplished by ChexSystems. I also requested my free copy of consumer file disclosure. I would like cfpb 's assistance in this matter. thank you.
12/24/2019	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	NV 89052	Web
On XX/XX/2017, someone open a checking account without my authorization. The account was an abuse account and which end up owing XXXX XXXX XXXX XXXX {$2900.00}. I have filed a complaint to Chex System, but they have not resolved my complaint so i wanted to file a complaint with the Consumer Finance Protection. The Chex Consumer ID : XXXX. I also filed a police report regarding this fraudulent bank account the incident number is:XXXX. Please check the IP address of the online application, phone number, or me personally coming to a bank branch, you will clearly see that it did not come from me or I have called them ; regarding opening this account. Now, because of this fraudulent activity is making it impossible for me open any type of bank accounts. I want this to be removed from Chex System immediately on false allegation.
01/21/2024	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	DE 19711	Web
I have rights to ensure that your private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and XXXX to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without your permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.
02/26/2023	Yes	Checking or savings account Checking account	Managing an account Banking errors	NJ 07002	Web
ChexSystems are keep denying my disputes and saying there accurate and irrelevant this is wrong and inaccurate I'm now being profiled at this point because they keep denying me every time and like I said for the 100th time with XXXX XXXX XXXX that check deposit was not made by me and its fraudulent I have lost my card and wallet with my pin written in my wallet that now I know to never leave my pin in my wallet. Someone deposited the fake check into my account and withdrawn the money out of my account I want not one time on camera seen withdrawing the money out please help me fix this and get me out the red with the chexsystems so I can continue to bank with new banks this is affecting my life and financial situation please have this fixed this is very unacceptable and unfair for me to go though this and its not my fault
08/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60628	Web
around XX/XX/2015 my account was low on funds and i desperately needed to feed my kids for the day. i wrote myself a check for {$20.00} and deposited in the atm. I knew that my direct deposit would be in my account by the next morning. by the next morning the bankn had closed my account, reported me to chexsystems as fraud and an unpaid balance. when i went into the branch to find my paycheck and to see what happened they said the account was closed. The {$20.00} as paid at that time so i dont owe them a balance and i dont feel i should have been put in chexsystems as fraud. i have tried repeadily to get this corrected and no one seems to know who supposed to speak to or call. as a result of this i can not open a bank account anywhere. i have talked to customer service, risk dept and branch personel and gotten no where.
02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 245XX	Web
I had two XXXX XXXX bank cards open in my name that I didnt do they were made by an identity theft I reported it to them to all three bureaus which they took fifteen days to say the illegal verified three times and they not removing the illegal accounts. Then XXXX reported to my 3 credit bureaus that I had an account that I didnt open and then when I disputed it they put a second account there. XXXX wont remove anything from account even when I showed them that both XXXX and XXXX took it off. Then Chex systems have an account listed on there that I didnt open someone had robbed me of my wallet and opened a bank account in my name and overdrawn it. Im tired of being penalized for what I didnt do. Please help me resolve these issues Im homeless sleeping in a car because of the reporting agencies and fraudulent accounta
10/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 37067	Web
I have on multiple occasions, filed a dispute with ChexSystems for XXXX ID XXXX due to identity theft. I disputed {$61000.00} reported by XXXX XXXX XXXX from XX/XX/XXXX, {$720.00} reported by XXXX XXXX from XX/XX/XXXX and {$290.00} reported by XXXX XXXX and XXXX on XX/XX/XXXX. These XXXX accounts were fraudulenty opened in my name and without my permission. in the case of the XXXX XXXX and XXXX, the account was opened in a name similar to mine, but with a different social security number and reports an address I have never lived at - XXXX XXXX XXXX XXXX, XXXX, TN XXXX. In support of this dispute, I submitted the FTC Identity Theft Report I filed, which clearly proves I am the victim of identity theft with regards to these three accounts. ChexSystems refuses to block and/or remove that information pursuant to the FCRA.
04/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	PA 15401	Web
first I would like to state that my papers are notarized showing you I am indeed who i say i am. On XX/XX/2021 I sent a letter dealing with unknown, misleading, unverifiable things on my credit report. till this day now well over 60 days later i haven't received any response. Now this is unlawful and just overall bad business. I feel that I am being taken advantage of and my dispute is going ignored. The law, Section 611 ( a ) to be exact states clearly that a failure to investigate these item in 30 days gives reason to immediately remove the items in question from my credit report. it has been over 60 days so they should be deleted immediately or I will file litigation due to all this stress caused to me. Also my info was impacted by the XXXX data breech and might have got into the wrong hands or information mixed.
12/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MD 20720	Web
I tried to get a copy of my credit file from ChexSystems and was connected to a call center in XXXX. This call center made disclosure of my SSN a requirement to gain access to my credit file with no alternative measure if I did not want to provide it. I explained to the woman named XXXX that I was not comfortable with disclosing SSN to someone in another country and especially since it is against the law of the United States to compel me to disclose it. They refused unless I provided them with my SSN so I am without my credit file. Who is responsible for holding these companies responsible for willful non-compliance of the Federal Laws. 42 USC 408 clearly states : Whoever- ( 8 ) discloses, uses, or compels the disclosure of the social security number of any person in violation of the laws of the United States
09/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33418	Web
I Had a checking account that was closed by the XXXX XXXX attached to the checking account was a credit line. When they closed the account they never said that the credit line had to be paid in full. Payments were made in accordance with the monthly payment. When i was told that the account had to be paid in full the amount was paid immediately. I have been trying to open a checking account and i have been told that i have a mark against me on XXXX. I called the aforementioned company and was told there was nothing they can do. I called the bank ( XXXX ) and they told me there is nothing they can do, that they have put a satisfied into XXXX I was never late and was never told the account had to be closed. This was there mistake and they refuse to remove it from XXXX. I am having a hard time getting an account open.
11/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MI 48167	Web
Chex System has failed to help me. Won't help me via phone, mail or fax. They won't provide me a pin, they won't remove a security freeze, they won't allow me online access, they won't help me on the phone, they put me on hold for 20 minutes and keep disconnecting me, they will not help me by fax, they will not help me by mail, they will not let me access my account in any way shape or form and I have had numerous problems including getting a loan because of this problem. I have been given nothing but the runaround and spent hours on the phone with them today and still no assistance. I want the security freeze removed off my account and I want a new PIN emailed to me and my email address updated immediately. They will not do any of these things and I am tired of this game my next steps will be to contact a lawyer.
01/25/2016	Yes	Bank account or service Checking account	Using a debit or ATM card	GA 31024	Web
my wallet was taken and I had my pin written down on a piece of paper someone used my debit card along with information on my drivers license to cash a counterfeit check into my account. XXXX XXXX XXXX honored the check without positively identifying if the person was me. I filed a claim regarding identity theft but the did n't honor in my favor because my in was used. I do n't think that was fair because I did n't expect anyone to steal my wallet and I did n't expect XXXX XXXX XXXX to not be more careful identifying me before cashing a check from a name, state and place, that has never been used in my account before, based on activity in my account you can clearly see that my account was used for direct deposit from my job. please help me I need a bank account and this is preventing me from getting XXXX anywhere.
08/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92154	Web
Back in XX/XX/2016 I filed bankruptcy due to Loss of employment. I included the debt of XXXX XXXX XXXX XXXX of XXXX and recently tried to apply for a checking account with XXXX XXXX XXXX XXXX and was Denied because this Bill Collector and XXXX which I also filed another complaint against decided they were above the bankruptcy law and decided to put a debt that was included on the bankruptcy filed back in XX/XX/2016 Case # XXXX. I received a letter of denial from XXXX XXXX XXXX XXXX Today. Due to them retaliating against me filing for a bankruptcy this is causing me a hardship of not being able to open up a checking account. I will be filing a lawsuit against XXXX, XXXX XXXX XXXX XXXX , XXXX and Chexsystems. If this does not get removed off of my Chexsystems Report ASAP. Under violation of the bankruptcy code.
05/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08723	Web
I received information that fraudulent accounts were opened in my name. I contacted XXXX and XXXX agreed and removed this account. I have four separate bank accounts listed on this report all from XXXX XXXX. All XXXX checking accounts opened XX/XX/XXXX showing {$310.00} charged off, XX/XX/XXXX showing {$420.00} charged off, XX/XX/XXXX showing {$270.00} charged off and XX/XX/XXXX showing {$460.00} charged off. I disputed this with XXXX, sent police report and the copy of FTC complaint but XXXX refuses to not only remove it but even speak to me about it. When I call I get sent to many different departments all of which transfer me - no one knows who I should speak to. If I go to the branch they say they can not help me and to call. I need these removed, and an explanation as to how four accounts can be opened!!
05/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33312	Web
My Consumer ID number is XXXX. My name is XXXX XXXX. Address is XXXX XXXX XXXX XXXX XXXX XXXX. I received my ChexSystems report and discovered that there are inquiries way over the FCRA statue of limitation exceeding the two years the law allows with the following dates XX/XX/XXXX ... XX/XX/XXXX..XX/XX/XXXX..XX/XX/XXXX..XX/XX/XXXX..XX/XX/XXXX..XX/XX/XXXX XX/XX/XXXX..XX/XX/XXXX..including more. There are over 14 inquiries on my report in violation to the FCRA. The dates of these inquiries have exceeded the statue of limitations by law!! All these inquiries need to be removed off of my Consumer Report. In addition to this matter there is a source of information reported titled XXXX XXXX XXXX that is not related to me. This account needs to be removed. Please send me my updated current ChexSystems Consumer Report.
08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 070XX	Web
The following Inquiries are NOT mine and i never gave permission or authorization to pull my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/26/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	MD 21229	Web
I applied for a loan online, and the company did something fraudulent with my bank account. Nonetheless I never owed the bank any amount of money, but they have for the last 4 and a half years put on my ChexSystems report that I conducted fraudulent activity. Now Im unable to open another account. My intention was never fraud, and when I called the bank they were also able to tell me that the people who had done the fraud on my account was located in another country. So I contacted the bank, XXXX XXXX XXXX and they stated that because I gave them my information I have to held liable, people apply for loans every day. Its not fair that they are treating me as if fraud was my intention. Also it states in my report that any money owed has been paid, but thats not accurate because I never owed the bank anything.
12/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WA 98107	Web
Received my report from ChexSystems after I was denied a checking account at XXXX, I saw that there was a erroneous charge on my file from XXXXXXXX XXXX in the amount of {$1300.00}. I filed a dispute with ChexSystems and requested validation, they claimed the debt was valid and refused to give me documentation from XXXX XXXX proving the alleged debt. I believe that Chexsystems is continuing to report this account in violation of FCRA, since they should have deleted it when they couldn't produce validating documentation for this alleged debt. They are causing me economic damage at this point, as I have been denied other accounts due to this false information they are publishing about me. I have read online that they have a history of this false reporting, which has led to class action lawsuits in the past.
12/22/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	MN 55343	Web	Servicemember
I been receiving harassing phone calls from Complete Payment Recovery Services , Inc. For a debt that is the result of identity theft. I never applied for or had an account with XXXX XXXX. The account is a fraudulent account and not my account or debt. The phone calls I have received from Complete Payment Recovery Services has been threatening in nature. Representatives from Complete Payment Recovery Services has used obscene, vulgar and vituperative language. They have threatened to have me arrested and thrown in jail and informed they will destroy my life by ruining my credit for life, all for debt and account thats fraudulent, the result of identity theft and not my account or debt. Complete Payment Recovery Services is in complete violation of the Fair Debt Collection Practices Act under Federal law.
08/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 100XX	Web
I was a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. and to be remove from CheckSystem Please send me written confirmation that I am not responsible for charges on this account, and a police investigation is in progress take the appropriate action and remove my information about this account from my credit file. I File A Police Report and XXXX XXXX Wont Still Remove This Account And Investigaion was Filed againts XXXX XXXX XXXX 2017 and XXXX XXXX Denied The Investigaion and Claim that Some Voice Calls Match Mines and is False Statement and they are not going to Reinvestigate this account and that the charges will remain on my checksystem report.
11/10/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MN 55406	Web	Servicemember
RE : Consumer ID # XXXX I am a victim of Identity Theft and have had my information stolen and was fraudulently used to open accounts ( Credit Cards, Checking/Saving Accounts ). I have been in contact with the Credit Bureaus and disputed those accounts, I have also contacted the creditors of those accounts and made them aware that my information was fraudulently used to open accounts. I have also filed a police report with the XXXX Police Department regarding my situation and they have advised me to contact the proper credit bureaus and creditors to let them know of this matter. There are XXXX entries for a negative reporting on the report from XXXX and I have contacted chexsystem to dispute this as identity theft however they are not willing to investigate or remove this entry on my consumer report
05/26/2015	Yes	Credit reporting	Credit reporting company's investigation Investigation took too long	NC 272XX	Web
I opened up an investigation with ChexSystems regarding XXXX XXXX XXXX. They opened the investigation, and I was told they had up to XXXX days to respond. The credit union did not respond in time, and the item was deleted from the file. I received a letter from ChexSystems stating that the source has certified that reported item is accurate, therefore the it has been reinserted into my consumer file. I contacted ChexSystems and they informed me that the financial institution has XXXX days to submit certification. They never told me that information when the initial investigation was started. As a consumer I should have been advised of an accurate time frame. The credit union had XXXX days by law to verify the accuracy of the information that was being disputed. They failed to do so in a timely manner.
07/03/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	FL 33319	Web	Servicemember
On XX/XX/2023 I applied for a checking account with XXXX XXXX XXXX XXXX and was denied an account due to an alleged debt being reported to Checks Systems. I have no knowledge of the inaccurate information being reported to credit reporting agencies.I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. Pursuant to federal law 15 USC 1602 the law states the consumer has the right to dispute inaccurate information reporting on the consumer report. I am requesting the original contract, wet ink signature, balance, contract and your company failed to provide evidence reflecting and proving the debt is valid.You have failed to provide evidence showing that I entered into a contract with your company.
08/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77082	Web
In accordance to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed I contacted the CHEXSYSTEMS to verify and dispute a wrong information posted about a closed checking account since XX/XX/2022 and did not get any response or update on my dispute as of today XX/XX/2022. This ground for removal. They also violated my rights under the 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
10/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	TN 385XX	Web	Servicemember
all bureaus ( 20 ) companies are claiming data breaches so they can continue to exert nsa level dominance by unlawful resale and digital circumvention ( now backed by hashes, so consumer can not refute eOscar data ) any and all possible data a consumer may ever have in thier entire lifetime. 3rd parties repeatedly refuse to redact and purge data ( denying ability to rent an apartment ) while the three main bureas exert pressure to deny you the ability to borrow from any company or bank- or lender. I have tried over 3 major mortgage firms, have approval ( expired in fl ) for a VA mortgage- am being repeatedly denied score data- asked to unlawfully pay for said- and the same with my mortgage companies. I have urgent housing situation and these companies are treating american veterans like the XXXX SS.
07/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO 80219	Web	Servicemember
Ive read the response of my complaint from Chex systems which I have a problem with. A lady called me one night to go over my report and phone numbers that were on there and I asked her about these variations of numbers beside my name. Then she went on to say that I called before with another number or something which is totally wrong and it doesnt make sense. She doesnt speak good English to communicate properly and said that she was gon na keep information on my report she doesnt know what she is doing. If my wallet and other identification has been lost/stolen common sense should tell her that someone is using my information! I would like for this lady to call me back and explain clearly whats shes talking about or someone else and said she merged a file and it doesnt belong to me. This is crazy!
08/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 100XX	Web
I was a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. and to be remove from CheckSystem Please send me written confirmation that I am not responsible for charges on this account, and a police investigation is in progress take the appropriate action and remove my information about this account from my credit file. I File A Police Report and XXXX XXXX Wont Still Remove This Account And Investigaion was Filed againts XXXX XXXX XXXX 2017 and XXXX XXXX Denied The Investigaion and Claim that Some XXXX XXXX XXXX XXXX and is False Statement and they are not going to Reinvestigate this account and that the charges will remain on my checksystem report.
12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30058	Web
After putting this company on notice in writing regarding being a victim of identity theft, private information being reported without consent, and requesting proper documentation proofing validation and consent with my signature I am still being violated as a consumer. I submitted a previous complaint trying to rectify the situation with the company and received a generic letter in the mail allegeding that they have proper validation without sending documentation as evidence. This company continuing to report my private nonpublic information is a direct violation to me the consumer pursuant to 15 USC 6801. If this company can not provide documentation of consent and validation bearing my signature I demand that all information being reported about an accountXXXXby XXXX XXXX be removed immediately.
10/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07306	Web
Hello, 1 ) I had bank accounts in XXXX XXXX XXXX and XXXX, then i have sold my bitcoins ( on XXXX ), but buyer committed a fraud and paid with stolen cards. 2 ) Banks returned money to owners, but bitcoins were stolen. I've lost XXXX {$3.00} ) XXXX XXXX XXXX closed my accounts and sent report to ChexSystems. XXXX XXXX XXXX didn't request any information about transactions and didn't do any investigation. Late on XX/XX/2018 I opened a complaint against XXXX XXXX XXXX ( XXXX ) but it repeated situation - did nothing and didn't contacted me except one call notified me about case when I said I can provide all documents to prove I'm clean. Now I want to open a case against ChexSystems ( www.chexsystems.com ) so at least they will do investigation if XXXX XXXX XXXX have no resources to do that.
09/09/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	FL 32808	Web
ChexSystems have outdated and inaccurate information on my credit profile. Under Consumer Law 15USC 1681 Banking systems goes off of fair and accurate credit reporting. Below is a list of outdated and inaccurate information : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
01/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33813	Web
On XX/XX/2023 I sent a dispute to Chexsystems regarding some errors I discovered on my report. They came back today, a day after I submitted my dispute saying the investigation was frivolous and won't investigate. That I need to tell them what's wrong in the report. This is not my job. They're job is to make sure ALL THE INFORMATION ON MY REPORT IS XXXX XXXX ACCURATE. Reporting inaccurate information is a violation of my rights. I demand the following account to be investigated and verified. If not, it has to be delete immediately from my report. Source : XXXX XXXX XXXX XXXX XXXX : Transactions involving POSSIBLY altered items or checks. Reported name : XXXX XXXX ( NOT MY NAME ) Reported address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( NOT MY ADDRESS ) Alleged Charge Off Amount : {$1900.00}
07/09/2015	Yes	Credit reporting	Incorrect information on credit report Account terms	NY 11211	Web
I had an account with XXXX like five years ago, I actually did nothing wrong whatsoever and of course there was no abuse I never abused any checking account with any institution and of course not with an account i had open maybe like three months. I had someone working for me in the an other state I was trying to sent her via ACH like XXXX since this was a fairly new account instead of adding i was debiting her account which i adjusted immediately when I was made aware of the error at that point someone of the bank called me and was trying to scare me of and all that he was threatening me with all he could. to make a long story short they reported me to the Chex systems so I cant open a new account now cause of this issue please help me to get my records straight. Thank you in advanceXXXX XXXX
12/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33068	Web
RE : Consumer ID # XXXX To Whom It May Concern : It has been brought to my attention that XXXX XXXX XXXX XXXX acct # { XXXX } dated XX/XX/2020 has listed negative information on my file i have no knowledge of these accounts please remove asap thanks, ( XXXX XXXX XXXX acct # XXXX XX/XX/2020 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i don't have no knowledge, of these accounts I am therefore writing to request full REMOVAL of this information as is my right underneath the Fair Credit Reporting Act. I request that these { negative listings } be permanently removed from my report. For your records, my contact information is as follows : { XXXX XXXX } - { XXXX XXXX XXXX XXXX # XXXX } { XXXX fl XXXX }
09/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90019	Web
Hello, I applied for a business account and was denied because ChexSystems shows a delinquent amount not paid for {$410.00} which was filed on XX/XX/2020 to XXXX XXXX XXXX XXXX. I called XXXX XXXX ( XXXX, Product Specialist XXXX XXXX ) discovered that the IRS used my social security # and gave it to a business to use as their EIN #. This company ( which they would not give me the name of ) is the one that is delinquent for the amount of {$410.00}. I emailed the IRS on XX/XX/2020 and they replied back to say " We were unable to locate any specific guidance regarding this on theIRS.gov website. I mailed Chexsystems on XX/XX/2020 explaining issue and have not received notification back. Please help me get my social security removed as an EIN for this company by contacting the IRS. Thank you
07/12/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MA 02116	Web
THIS COMPANY IS REPORTING FALSE NEGATIVE INFO ABOUT ME TO COMPANIES AND DECLINING CHECKS I WRITE TO COMPANIES THEY WORK WITH. WHEN I CALL TO GET TO THE BOTTOM OF THIS, I 'M BOUNCE AROUND, TREATED RUDELY AND INSULTED. I have contacted this company many times and provided information time and time again. They are very rude, uncooperative, insulting and insensitive to the problems they are causing by distributing slanderous and defamatory and false negative information to companies. They do n't care about anyone but themselves. There are virtually hundreds of websites dedicated to how horrible these people and company is and how many people they have done this too. Here are a fewhttp : XXXXThis site talks of this company being fined XXXX XXXX dollars for Fair Credit Act violations. https : XXXX
01/17/2024	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	FL 34639	Web
My check systems report shows seven inquiries from XXXX XXXX on behalf of XXXX for XXXX XXXX and XXXX XXXX XXXX XXXX. I do not know who these companies are nor do I do business with them. Ive never applied to open any type of account and the addresses that are listed on the inquiries do not match any that Ive lived at. Ive disputed them with check systems, but they refused to remove them because they say that theyve been Verified accurate? I dont see how I did not authorize these and theyre obviously fraudulent. I need these inquiries removed ASAP. Ive been requesting this for months from XXXX XXXX and check systems and I never get any response. This is preventing me from opening up a checking account and this is severely impacting my life Order appreciate this if this could be resolved quickly
06/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77065	Web	Older American
I was declined a account when I realized XXXX XXXX XXXX XXXX place my information in Chexsystems accusing me of account abuse, I contacted the bank on XX/XX/2022 and the manager I spoke with in the fraud department failed to confirm, what type of account abuse occured and proof of such. Further more I have disputed the accuracy of this information with CHEXSYSTEMS, but they have failed to confirm how they obtained this information, and did not provide me with proof that I authorized them to furnish or share any of my personal information, they responded back with verified by XXXX. They did not give me a name or any other documents showing proof of such verification The remedy I want is for this Information from XXXX XXXX XXXX XXXX to be removed and deleted from my CHEXSYSTEMS CONSUMER REPORT
12/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NJ 07111	Web
I had requested my consumer report from XXXX. After obtaining my consumer report I saw that there was a re-insertd bank accounts from XXXX XXXX XXXX XXXX. The re-inserted account was on my Chapter 7 Bankruptcy from XXXX 2010 and these accounts were included on the bankruptcy. The Credit Union has re-inserted these bank accounts in which were enclosed on the chapter 7 bankruptcy. I have sent this information over to XXXX XXXX XXXX XXXX over a month ago and they have not removed the entries. So now I am submitting this to the CFPB. They can not re-insert accounts that were included in a bankruptcy and after seven years. Also XXXX again has put addresses on my report that do n't belong to me : The only addresses that are associated with me are as follows : XXXX XXXX XXXX XXXX, NJ XXXX Thank you
07/12/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MA 02116	Web
This company is reporting false negative information about me to banks and credit card companies and it 's interfering with my being able to open an account. When I contact the company, they are rude, insulting, unprofessional and provide no help whatsoever. They are also very insensitive towards me and the problems this is causing. I have contacted this company many times and provided information time and time again. They are very rude, uncooperative, insulting and insensitive to the problems they are causing by distributing slanderous and defamatory and false negative information to banks. They do n't care about anyone but themselves. There are virtually XXXX of websites dedicated to how horrible these people and company is and how many people they have done this too. Here are a fewXXXX
04/09/2023	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	CA XXXXX	Web	Servicemember
I am writing to inform you that I have been a victim of identity theft. This happened due to numerous data breaches that have occurred in recent years. As a result of this theft, two checking accounts have been opened without my knowledge or permission : one from XXXX XXXX XXXX XXXX and the other from XXXX XXXX XXXX XXXX. I have submitted a copy of the FTC Affidavit as supporting evidence of my claim. I am now in the process of filing a police report and taking legal action against the perpetrator. I am requesting that you investigate this matter as soon as possible and take the necessary steps to remedy this situation. I am also requesting that you inform me of any additional measures that need to be taken to protect my identity. Thank you for your time and attention to this matter.
05/22/2020	Yes	Checking or savings account Savings account	Opening an account Account opened as a result of fraud	MA 02780	Web
I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. I BELIEVE THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COMPANY AND THEY ARE COOPORATING.
09/05/2015	Yes	Credit reporting	Credit reporting company's investigation No notice of investigation status/result	FL 33183	Web
i requested full debt validation, to include all statements from XXXX banks. XXXX, XXXX, and XXXX. I requested all the statements from these XXXX accounts so i may confirm all the fees and late fees and payments to confirm that the information is being reported on me in 100 % accurate, valid and verifyable. Sending the last statement of the account does not allow me to confirm and verify and validate all neccesary information. I reached out to XXXX, XXXX and XXXX, but privacy laws and statutes of limitations hinder from receiving or verifying any information. Also i am asking for all signature cards of the opening of these accounts to verify all information. If information is not verifyable, valid and accurate, i am asking that they remove these items from my chexsystems consumer report.
10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30342	Web
I have identity transaction that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Im requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19124	Web
An initial dispute of the items on my Chexsystems report was made on XX/XX/XXXX. Included in the results of that dispute was an account for XXXX XXXX XXXX showing that I owe XXXX. The only validation made for this account is a statement made by the bank that " additional negative activity took place increasing the balance to {$470.00} at the time of charge off. '' On XX/XX/XXXX, a 2nd letter was sent to them asking for the documentation supporting that statement. Their response ( received on XX/XX/XXXX ) is attached ; however, again, no proof of the debt was included ; they simply restated the same thing. Please delete this account from my report in compliance with Section 611 of the FCRA which states unverifiable or inaccurate information must be deleted from that file of the consumer.
05/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA XXXXX	Web	Servicemember
I have a problem with a identity data breach, Involving tax identity fraud on my name XXXX XXXX XXXX. As well as my social, medical identity, social security card. Im trying to open a business checking account with XXXX XXXX XXXX. However, the bank representative says my social security number is involved with someone in th military. also, my wallet was stolen and covid 19 is going on so I had to make new wallets and my credit is now messed up due to someone doing fraud please email me to assist thanks. The reporting agency named Chex clear systems who governs the XXXX XXXX XXXX and reports to them have stated that the report is now clear and Im able to access the account, however, the bank is still unable to open my XXXX XXXX XXXX checking or business account! Please help thanks
08/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Was not notified of investigation status or results	VA 230XX	Web
I have contacted ChexSystems after being denied a free checking account with XXXX XXXX XXXX. I was told by the employees at ChexSystems they did not have the reason as to why. Upon their request I inquired with them for my report. Nothing show derogatory on the report and there is not explanation as to why XXXX XXXX would make this decision. I then emailed ChexSystems again asking for a more detailed explanation. I made the request over 2 weeks ago. I apologize I do not have the exact date of my second request. The original request was received the end of XXXX. My Consumer ID is XXXX. All I'm asking is for an explanation as to why I would be denied a free checking account. I currently bank with XXXX and am in very good standing. Thank you for your time with this matter, XXXX XXXX
05/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA XXXXX	Web	Servicemember
I have a problem with a identity data breach, Involving tax identity fraud on my name XXXX XXXX XXXX. As well as my social, medical identity, social security card. Im trying to open a business checking account with XXXX XXXX XXXX. However, the bank representative says my social security number is involved with someone in th military. also, my wallet was stolen and covid 19 is going on so I had to make new wallets and my credit is now messed up due to someone doing fraud please email me to assist thanks. The reporting agency named XXXX XXXX XXXX who governs the XXXX XXXX XXXX and reports to them have stated that the report is now clear and Im able to access the account, however, the bank is still unable to open my XXXX XXXX XXXX checking or business account! Please help thanks
08/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TN 373XX	Web	Servicemember
multiple agencies are making unlawful mistakes : sending my mail willy nilly wo consent reporting move when I didnt move and then refusing to give me an updated report after demand for removal under part 209 FCRA. unfair credit abuse and slander and oppourtunity to repair good name after multiple companies, including a chXXXX bankruptcy atty have broken the law and burned me on bad deals. refusing to provide a working fax number, or failing to maintain it. repeated attempts get cut off at 5 page mark or need multiple ( 100s ) of attempts to go thru. ( companies refuse to reasemble on remote end because of this ) this includes key credit which is supposed to help consumers. XXXX chexsystems XXXX XXXX XXXX XXXX all guilty and have lied to me on paper about what they have done.
10/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	GA 31324	Web
XXXX XXXX hello my name is XXXX XXXX XX/XX/XXXX I just received a letter in the mail from Chex systems stating that I owe XXXXXX/XX/XXXX{$4100.00} unpaid and have humiliated me when applying for 47 banks and being denied this is truly defamation. just got off the phone with XX/XX/XXXXXXXX they said they don't have a transaction record showing me withdrawling a dime out of a check deposit of {$4100.00}, but is listed as account abuse and unpaid I need to be compensated for the humiliation and denials and traveling to and from banks getting denied I can't even co-sign for my XXXX son Please help I'm asking this be removed from my Chex systems report Sec. 623. ( A ) Reporting information with actual knowledge of errors.A person shall not furnish any information relating to a consumer
12/27/2017	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	NM XXXXX	Web
I applied with my husband to open a checking account and was denied because the bank, XXXX XXXX XXXX XXXX XXXX was unable to verify my Date of Birth through a system called " ChexSystems. '' They could not provide me with any further information and just said I would have to call Chex Systems. I attempted to call them, but it is just a recording -- you ca n't even speak to a real person. The only automated option was to request my report, which I did. I received it a couple of days ago and it contains no information. All it has is my name and address on it. This is insane. In my 35 years, I have opened bank accounts, credit cards, had mortgages, and car loans. I ca n't get any further information from ChexSystems and do n't know what to do if they do n't correct their information.
05/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	UT 84115	Web
Chex systems received a LEGAL Notarized BANK affidavits the Certified Receipt shows Tracking Number : XXXX XX/XX/XXXX DELIVERED to them disputing XXXX and XXXX bank under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For Chex systems to Provide physical verification of the original signed consumer contract. I demanded from Chex systems to see Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY the Certified Return Receipt shows XXXX sent to me XX/XX/XXXX. UNDER the FCRA they are Now REQUIRED to REMOVE BOTH XXXX and XXXX under federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts XXXX AND XXXX.
06/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07747	Web
This Company is reporting negative information without my written consent and on top of it the information is also COMPLETELY FALSE. In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
02/07/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	PA 19143	Web
ChexSystem is reporting XXXX XXXX XXXX Account Number : XXXX on my file as Non- Sufficient Funds ( NSF ) for a Charge Off Amount of {$590.00}. This bank account was opened fraudulently under the address XXXX XXXX XXXX XXXX, PA XXXX, I have NEVER lived at this address or done any business with this company under this address therefore ; this UNPAID BALANCE I am being accused of is FRAUDULENT and MUST BE DELETED per the FCRA. Please keep in mind, this is my second attempt to resolve this matter with ChexSystem. I have attached a FTC Identity Theft Report to substantiate my claim. I have also notified the Federal Reserve for ChexSystem non-compliance and willful neglect of Federal Law. Attached to this Complain is a copy of my Photo Identification with my ACTUAL proof of residency.
06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27106	Web
My complaint is against ChexSystems. They are currently reporting derogatory banking information from XXXX XXXX that is more than XXXX XXXX XXXX. This is in direct violation of their own policy posted on their website that states " Our current practice is to retain record of reported information for a period of XXXX years from the report date unless the source of the information requests its removal or ChexSystems becomes obligated to remove it under applicable law or policy. '' I am requesting that they honor their policy and remove this negative information from my report, as it is negatively impacting my chances of getting approval as I was denied from opening an account with Truliant today XX/XX/23 and their reason for doing so is because of my inaccurate Chexsystems report.
09/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 31324	Web
XXXX XXXX hello my name is XXXX XXXX XX/XX/XXXX I just received a letter in the mail from Chex systems stating that I owe XXXX bank {$4100.00} unpaid and have humiliated me when applying for XXXX banks and being denied this is truly defamation. just got off the phone with XXXX bank XXXX they said they don't have a transaction record showing me withdrawling a dime out of a check deposit of {$4100.00}, but is listed as account abuse and unpaid I need to be compensated for the humiliation and denials and traveling to and from banks getting denied I can't even co-sign for my XXXX son Please help I'm asking this be removed from my Chex systems report Sec. 623. ( A ) Reporting information with actual knowledge of errors.A person shall not furnish any information relating to a consumer
07/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77573	Web
I tried to open a savings account with a credit union but was blocked due to a Chex Systems charge-off from XXXX XXXX XXXX saying I owe {$140.00}. I have never had an account with XXXX XXXX XXXX. In the past few years up till XXXX, I have had multiple credit checks without this issue being flagged. I have had first-time homeowner counseling with a HUD-approved non-profit in early XXXX and this issue was never flagged. In the past month, XXXX XXXX bought out XXXX XXXX, which my parents had an account with in the past but their account was closed in XX/XX/2014 and they paid any balance owed. I have never had an XXXX XXXX account. XXXX XXXX XX/XX/XXXXis claiming a balance on an account that never existed and is not giving me documentation saying that I do not owe them the amount.
03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	NY XXXXX	Web
XXXX XXXX XXXX has confirmed with us that the account on their records is a result of identity theft and fraud, and Chexsystems has lied to us regarding their investigation. They have refused to properly investigate and remove the fraudulent item, and now we have had XXXX XXXX XXXX open up an identity theft case for the fraudulent use of our information in regards to Chex Systems use of our account. We have reached out to Chex Systems on multiple occasions and they have not given us a satisfactory response, and now we are demanding they remove the account from our profile, and do a proper investigation. Failing to adhere too privacy laws and consumer laws, and continuing to allow access to these consumer reports even after a freeze and opting out was placed on the report.
12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 770XX	Web
15 USC 6508 I have the right to opt out and that they have reported information and transactional history to early warning and check systems Per the FCRA as a Federal protected consumer of any and all authorizations. I the consumer may have given you written & unwritten. Verbal or non-verbal per 15usc 6802. Under 5 usc 522a you are not suppose to give my social security number to anyone that is not the federal government. 17cfr 424 all inquiries must be removed. Fair Credit Reporting Act of 1974 15usc1681 Inaccurate Reporting Non Public Personal Information 16crf 313.6 16 crf 313.7 15usc1602 Per the FCRA as as a federal protected consumer. Im now opting out any and all authroizations. I the consumer may have given you written & unwritten and verbal or non-verbal per 15usc 6802
06/13/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	FL 32824	Web	Older American
My complaint today is that I am having issues opening a bank account because there are multiple inquiries showing on my file that have been related to fraud. I have filed a police report and i have also filed an amendment to my police report because this has been an ongoing situation. The only inquiry that should be on my Chex-systems file is with XXXX XXXX XXXX XXXX union which is a valid account that I opened. I am requesting for the other inquiries that are fraudulent to be removed from my chex systems file. The only XXXX reporting should be XXXX XXXX XXXX XXXX union. The fraudulent inquiries showing areXXXX XXXX XXXX XXXX XXXXXXXX ( PLEASE DO NOT CONFUSE THE FRAUDULENT XXXX XXXX XXXX WITH XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX IS VALID AND BELONGS TO ME )
08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL XXXXX	Web
Upon checking my consumer report i see that there are a lot of fraud account names address and inquiries that i did not do. I am a victim of identity theft. I have tried calling chex systems to no look. I have been told that they do not have a fraud department and that i would have to do a dispute online. I am currently looking at my report now and there are phone numbers, inquiries, emails, addresses and other on my report. At this point i am seeking compensation of {$1000.00} and for the fraudulent information to be completely removed and to not be put back on my report. I have also tried to work with all the creditor who pulled my chex systems to no success. I also called the credit union that is reporting on me to have them removed this false information to no success.
09/22/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	FL 34471	Web
CFPB, Chex Systems is governed by the Fair Credit Reporting Act ( FCRA ). I do not have access to my file as the law permits. Please see attached for what happens every time I try and login. I have filed numerous CFPB complaints to no avail. Chex Systems tells me to call in. I called in 3 times this week. I asked to speak to US representatives. I spent no less than 2 HOURS on the phone on hold - as well as speaking to representatives this list. Tuesday, Thursday, and Friday. No one has resolved the issue. By law I need to have access to my online Chex Systems account- and they need to fix this. To this complaint- I will attach the picture I see when I try and login, my full contact details, as well as a past Chex Systems report to verify my identity.
03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 61115	Web
Hello, my name is XXXX XXXX and I am submitting this complaint without error or influence from any third party agency or credit repair clinic. I do not con- sent to these fraudulent accounts. According to the FCRA, ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer re- port under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. This is my final and last written instruction that I demand you remove the following unauthorized accounts & data immediately to prevent further legal proceedings : - XXXX XXXX account opened XX/XX/2019 account number : XXXX NO PERMISSIBLE PURPOSE ( 15 USC 1681B ) -I HAVE NO CONTRACT OR LEGAL AGREEMENT WITH THIS COMPANY!
03/09/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NJ 07050	Web
There is a reported XXXX account listed on my consumer credit file with Chexsystems. I have previously disputed this account but was told by Chexsystem that the police report that I had submitted was out of date did not cover this account. This account was closed in XX/XX/2016 and my police report is dated for XX/XX/2016. I 've had to go through the State of Illinois to finally get the XXXX disclose this information to me so that I can get this off of my report. This account was also listed on my credit reports with XXXX, XXXX and XXXX and they have deleted the account with the FTC Affidavit and the Police report as well as the letter from the XXXX. Chexsystems needs to delete this as the account is fraudulent and I have attached my supporting documents to prove as such
01/31/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 55311	Web
I am exercising my right under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b, to request that you exclude my information from any reports or disclosures provided by ChexSystems. Additionally, I would like to bring to your attention the fact that, to the best of my knowledge, there has been no formal written instruction from me, the consumer, authorizing the furnishing or sharing of my information with ChexSystems. As such, I am concerned about the inclusion of my information in any reports or disclosures provided by ChexSystems without explicit consent. I kindly request that you promptly process this opt-out request and confirm in writing that my information will no longer be included in any reports or disclosures provided by ChexSystems.
10/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 296XX	Web
I've sent in copies of proof of IDENTITY more than 12 times this year alone for me and my XXXX kids. I sent ID for me and daughter, our social security cards, both certificates, court order showing proof of guardianship shot records and school records. Alone with a notarized letter on what to remove and why with 7 Police Reports from. XX/XX/XXXXthat I have had to file due to stolen wallets, etc. I never get a response in the mail. When I do they state I need to be verified when I already sent in enough proof ... more than what they've asked for. I got a copy of my XXXX data that have gathered and 65 % has nothing to do with me. My information is being sold, traded, etc. I sent out mail with trackers recently and still haven't heard back from neither credit reporting
10/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11365	Web
This customer service is horrible I cant open any bank account with no banks checking they tell me to call XXXX because of if theft alert on my social security number that XXXX is providing to these banks they refuse I called them and they say the same thing this is not fair when are my concerns going to be resolved this company XXXX and couldnt care less for me because they dont fix this issue I have proof from a bank that declined me stating the reasons and contacted this company to try and resolve this issue they say their is nothing they can do they play games with me and the banks refer me to this company to have this fixed with their system reporting internally id theft security alert do not open an account at this time the bank showed It to me and in a letter
06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 750XX	Web
XXXX along with their affiliate XXXX processed an application for credit that was not authorized by me. In fact, it was processed as the result of a fraudster who stole my identity. This fraudulent application was apparently processed on XX/XX/23 based on a fraudulent inquiry I discovered in my chexsystems report. I have made numerous attempts to contact the company via phone and email and have submitted a police report along with FTC identity theft affidavit. They have refused to respond and it has become abundantly clear that this is simply their tactic of avoidance utilized in their day to day business. It is also clear their intentional conducts to avoid resolving customer issues with identity theft are both harmful to me personally but to consumers as a whole.
02/02/2023	Yes	Money transfer, virtual currency, or money service Debt settlement	Problem with customer service	CO 80227	Web	Older American
I've subscribed to this online pay service with XXXX for decades. Just recently I had fraudulent activity on the checking account at XXXX XXXX used to make all online payments against. As result that account was closed and a new checking account opened. But, before I could update checking account on XXXX site {$1200.00} payments were made in automated payments to XXXX, XXXX XXXX, and XXXX from previous closed checking account by XXXX. XXXX has blocked my online service, refusing me any ability to update checking account to be used now or in future until creditors return payments made. Creditors refusing to do so ( even if I give them payments from alternative sources ). They will simply apply that against balance. XXXX willing to assist in correcting situation.
07/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 02301	Web
Chexsystem has violated my federally protected consumer rights. Under 15 USC 1681 states I have the right to privacy. 15 U.S.C 1681 section 602a state a consumer reporting agency can not furnish and account or personal information without my written instructions. 15 USC 1681b allows a consumer reporting agency to furnish a consumer report for the following circumstances and no other. ( 1 ) In response to a court order or Federal Grand Jury Subpoena. ( 2 ) In accordance with written instructions from the consumer to whom it relates and no other. I did not give Chexsystem written instructions or permission to furnish this personal information. They didnt receive a court order or subpoena. Chexsystem continue to violate the FCRA and violate the law with this dispute.
11/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92832	Web
On the day of XX/XX/2020. I received a personal check from a customer for {$13000.00} from their bank which was XXXX XXXX XXXX XXXX XXXX. I deposited the check into my checking account ( XXXX XXXX XXXX ) Like any other check it was verified and came back invalid. I had no knowledge that the check was invalid. XXXX XXXX XXXX ended up closing my account and asked me to pay a closing fee. I payed the fee to XXXX XXXX XXXX which I was told by a customer representative that it with that being paid they will remove all negative remarks from my banking report. I recently got a hold of my banking report and found out that they are reporting negatively on my report as fraudulent. They are not trying to remove this claim of my banking history with XXXX and XXXX XXXX.
10/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NC 28262	Web	Servicemember
Chex System is reporting information on my report that was not initiated by me and I did not apply for credit. There is an account from XXXX XXXX bank being reported on my report and I have called XXXX XXXX bank, left messages and no one has returned my call. Chex System is continuing reporting this account. Also, there are inquires showing on my report that wasn't made by me and I'm asking Chex System to delete these inquires. There is also two accounts being reported by XXXX XXXX XXXX. Both accounts is showing the Closure Status date as XX/XX/2021 which is incorrect. Also, the state for these accounts is blank and being reported in error. I would like both these accounts deleted from my report as Chex System is reporting these two accounts inaccurately.
01/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web
I stored my personal items at a friend 's house because I was homeless for a few months prior to relocating to college in XXXX, FL. I went to XXXX XXXX XXXX on XX/XX/XXXX in XXXX, FL to be added to my aunt 's checking account as an authorized user and was told there was an account on my Chexsystems report from XXXX XXXX XXXX that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX, XXXX, GA ). I filed a police report in XXXX, FL, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, GA, stole my identity, then used my information to open an account without my permission. The account was opened in XXXX, according to Chexsystems report. I attached my IG with my Georgia address, the only address I 've ever lived.
05/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75068	Web
Please remove these inquiries from my report As pursuant to 15 U.S.C. 1681b section 604 ( C ) ( 3 ) of the fair credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Please provide me with strict proof I authorized these inquiries such as a application bearing my wet ink signature, contract or recorded telephone call.. In accordance with the fair credit reporting act public law 91-506, title VI, section 611, subsection A-D, I demand you provide actual proof the information was verified and not a computer generated confirmation. If you are unable to provide any of the above please delete all inquiries immediately
03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 12203	Web
My dispute is with Chexsystems for continuing to report a debt owed to XXXX of {$940.00}. Chexsystems continues to report this debt owed, yet had been shown repeated proof that I signed onto the account of my mother-in-law who is deceased in order to help manage her estate. I did not become personally liable for the debt. Moreover, and insultingly, I continue to maintain an account at XXXX. If XXXX had an outstanding debt with me, would one think they would let me keep a current account with them? This is outrageous conduct by Chexsystems and only adds to the difficulties with my mother-in-law 's passing. My mother-in-law 's old debt is the ONLY negative report on my Chexsystems history and is singlehandedly prevented me from opening another checking account.
06/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I have a current police report on file dated XX/XX/XXXX with Chex Systems due to being a victim of identity theft. The following inquiries viewed by others listed on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized and not my inquiries : XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. I have a current Federal Trade Commission Identity Theft Report on file with XXXX and XXXX. The following accounts and credit inquiries listed on my XXXX and XXXX credit report are fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX XXXX, XXXX, {$450.00}, XX/XX/XXXX, XXXX XXXX XXXX, XXXX, {$110.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
09/27/2016	Yes	Credit reporting	Credit monitoring or identity protection Problem with fraud alerts	PA 19460	Web
I applied for membership to a credit union. The credit union told me they could n't pull my ChexSystems report due to a Security Freeze. Knowing that I did n't place a Security Freeze, I called ChexSystems and they confirmed that I DO NOT have a Security Freeze in place. The credit union kept insisting that a Security Freeze was in place. I ordered & received a physical copy of my ChexSystems report and it shows that I DO have an active Security Freeze on my report ( which I had never placed ). ChexSystems does n't seem to know what to do about the discrepancy and does n't seem in any hurry to figure it out. I 'm a real estate investor, so every day that goes by that I ca n't join this credit union and apply for a mortgage is a potential lost deal/money.
10/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33023	Web
I HAVE SUPPLIED PROOF UNDER THE DOCTRINEOF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST. Also, Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. In addition, my information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX
10/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30058	Web
I requested my ChexSystems report and noticed : 1. My report has 5 different addresses which needs to removed. 2. My name should be XXXX XXXX XXXX, no other name. 3. This company has me listed as owing 2 banks : XXXX XXXX XXXX in the amount of {$340.00} and XXXX XXXX for $ XXXX am not aware of either of these accounts.In which they have an address that I 've NEVER resided. After being denied by a credit union for checking/savings account, I was informed of these accounts. In which they have an address that I 've NEVER resided. I have sent a letter to update all of my information and to remove these accounts from my report, as it is preventing me from opening up bank accounts. There has not been any resolution to this issue. Please investigate.
05/24/2016	Yes	Credit reporting	Unable to get credit report/credit score Problem getting my free annual report	VA 23223	Web
I recently applied for a XXXX XXXX product, a checking account. I was informed that I did not meet the expectations, hence declined. I assumed that as a result of this inquiry my credit card company has usage imposed restrictions on my credit card ( longer holds, etc. ). Nonetheless, I was told I had a right to know what my credit report had that I was not aware. The agency they reference in the letter was Checksystems. My experience in the past was very negative. I requested a report about three months ago and never received such request. I wondered what is being reported since I was rejected. This is not the first time I have encounter rejections referencing information on consumer report. I have filed previous situations with this agency about them.
11/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	OR XXXXX	Web
XXXX - I placed a Security Freeze on my account. I received both online and emailed confirmation that my pin would be mailed within 3 business days. XXXX - I had not received my pin. I called and was told that the pin had been mailed that day. XXXX - I still had not received my pin. I called and was told that they were behind due to the XXXX breach, and that I would receive my pin in 5-7 business days. XXXX - I called and was told that the pin had been mailed on XXXX, and that I would have to send a written request, with all my personal info, before they would mail my pin. They also told me that I had n't called on XXXX! I asked that they offer another way for me to receive my pin, as I no longer trust their " It 's in the mail ''. They refused.
08/25/2018	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	CA 94531	Web
I requested a Chexsystems report because I've been declined several times when trying to open an account with different financial institutions. I don't understand why my account is in Chexsystems when I paid off ( {$260.00} ) the XXXX XXXX XXXX claim XX/XX/XXXX and the XXXX claim was closed XX/XX/XXXX also I don't even recall this debt. But if it takes me to pay the questionable ( {$110.00} ) to get out of XXXX I'll pay it. But what happens next, is the any other steps for me to take?, or will this release me from your system? If you release me how long is it before all the financial institutions are made aware so I can open accounts? Please help? Both institutions advised me it's our off their hands, and there's nothing they can do to help me.
09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	WA 98052	Web
On XX/XX/2023, I was unable to open an account because of information provided to an institution by ChexSystems. When I requested online from ChexSystems a free copy of my report I requested the report to be provided to me online. However, after processing my request and taking all of my information ChexSystems informed me online that it " was unable at present to provide my report online and would be mailing me a report instead. '' I SPECIFICALLY DID NOT REQUEST a mailed report and, furthermore, can not at present be available in a timely manner to receive the report by mail, thus also creating security concerns for me as a report with much personal information is being mailed to an address DIRECTLY CONTRARY TO MY REQUEST FOR METHOD OF DELIVERY.
08/07/2019	Yes	Checking or savings account Other banking product or service	Closing an account Company closed your account	TX 77004	Web
XXXX report shows no derogatory remarks yet I have to open a bank at a second chance bank. XXXX XXXX XXXX closed my account and wouldn't tell me why and neither will XXXX. I was a XXXX XXXX XXXX customer for 2 years.There seems to be some confusion regarding my address. I was living at my mom 's house in XXXX then I got my apartment in XXXX which according to the XXXX XXXX XXXX is XXXX XXXX XXXX XXXX My fiance has the gas bill with this address listed. However when applying for or paying for goods and services, bills etc, a few companies use data entry systems, ( such as the bank I currently bank with XXXX ) that absolutely do not allow the employee entering your information to type the / symbol as part of your address. My consumer ID is XXXX
02/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL XXXXX	Web
CHEXSYSTEMS COMMITS XXXX DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX BISNESS, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO ROUNDY ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE XXXX
08/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Problem with product or service terms changing	TN 37659	Web
I am applying for a loan to buy a car with a local credit union. They attempted to open an account for me and run a verification check through ChexSystems. They found that my ChexSystems profile was frozen. I went to remove the freeze on ChexSystems website but did not have the required PIN. After calling into ChexSystems and being escalated to a supervisor, I was advised that my only option was to wait upon a new PIN via snail mail. They had no other way to verify my information and would not lift my credit freeze after I instructed them to. I will have to apply for a different loan with a different bank or credit union that does not use ChexSystems because of this. This will end up costing me a lot of extra money in extra interest paid.
05/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 76040	Web
XX/XX/2019 XXXX XXXX, REPORTED ACCOUNT ABUSE on ChexSystems. I had direct deposit every other Friday on my account. The night before my deposits would hit they would access charges on the account. I have called them and they did credit some moneys back but it would continue to happen and no one in the bank could figure out what was going on with my account. I soon had to close it and get another account at another bank so that I would not keep getting those unknown charges accessed on my account. I then received an CLOSURE STATUS WITH A BALANCE OF {$330.00} THAT HAS BEEN ACCESSED ON ME. No one in the bank would try to explain to me where these charges are coming from. I would like this dispute reviewed and this be taken off the ChexSystems.
02/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL XXXXX	Web
CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX XXXX, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO ROUNDY ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE XXXX
11/07/2019	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	NV 89052	Web
On XX/XX/2017, someone open a checking account without my authorization. The account was an abuse account and which end up owing XXXX XXXX XXXX XXXX {$2900.00}. I have filed a complaint to Chex System, but they have not responded to my complaint so i wanted to file a complaint with the Consumer Finance Protection. The Chex System reference ID : XXXX. Please check the IP address of the online application, phone number, or me personally coming to a bank branch, you will clearly see that it did not come from me or I have called them ; regarding opening this account. Now, because of this fraudulent activity is making it impossible for me open any type of bank accounts. I want this to be removed from Chex System immediately on false allegation.
10/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 40211	Web	Servicemember
On XX/XX/2021 XXXX declined a check that was written by me in a grocery store. After receiving the consumer report, there was not any information listed as to why the check was declined. At the end of the report, it states that information could have been received from Chex Systems , Inc. I contacted Chex Systems and again there was not anything in the file. No bad checks, nor is there a history of bad check writing in the file from the two companies. This reporting and suggesting declines is very embarrassing and humiliating. My credit report has a fraud alert and maybe this was the reason why however this experience could have been avoided if these companies would update their information and gather precise information needed to refuse.
09/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MO 654XX	Web	Older American, Servicemember
Today Date XX/XX/2019 This complaint involves ChexSystems. I received a denial letter from XXXX XXXX in regards to opening a money market account. They said their decision was made in part due to a report from chexsystems and that I should contact them for the report. XX/XX/2019 was my first request for the report. Which was to be mailed in 5 working days. XX/XX/2019 : I called chexsytems to ask where the report was and they said I should have received it and would mail another one. XX/XX/2019 : I filled out another request for my report. XX/XX/2019 : I contacted your office. Why don't banks send a report along with the denial letter. Why can't you get the report by email. The application after all was applied for online.
01/02/2019	Yes	Checking or savings account Other banking product or service	Opening an account Unable to open an account	TX XXXXX	Web
i have contacted Chexsystems in regards to my consumer report. They are not investigating anything properly and are refusing to provide me with accurate information on my profile. I spoke with a guy names XXXX and i was told my consumer report was being wipe clean and there would not be any negative info on my profile. I called back a few days later and I was told something else by a different rep. They said they make there money by keeping things on consumer reports. Most of the individual that work for them are not American and rude and when i ask for an American rep the refuse to allow me the chance to speak with one. The are violated the fair credit reporting act. Can you please help. I even tried reaching a manager but no success.
11/18/2016	Yes	Credit reporting	Credit reporting company's investigation No notice of investigation status/result	NY 11374	Web
On XXXX/XXXX/16, I disputed an entry on my ChexSystems report with Chexsystems. The entry was placed by XXXX, California in the amount of {$250.00} and reported for " Suspected Fraud Activity ''. I did not recognize this, and in my dispute to Chexsystems, I requested documentation from XXXX to substantiate both ( a ) the amount and ( b ) the suspected fraud activity. I then received a letter from ChexSystems dated XXXX/XXXX/16, that states that they have verified the information, but XXXX informed that account was opened online so requested docs were unable to be obtained. This is a completely unacceptable response. How was Chexsystems able to verify information when there is apparently no documentation to substantiate the information?
11/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 799XX	Web
Chex Systems , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : It has been brought to my attention that XXXX XXXX XXXX XXXX has listed OVERDRAFTS on my Chex Systems file, dated XX/XX/2023. To my knowledge, I have never had OVERDRAFT with XXXX XXXX XXXX XXXX. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from XXXX XXXX XXXX XXXX including copies of any documentation associated with this OVERDRAFT which bear my signature. In the absence of such documentation, I request that this OVERDRAFT be permanently removed from my Chex Systems report ASAP.
05/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92223	Web
I contacted Chex systems a bout two weeks ago to let them know that incorrect an d improper information was being reported in my consumer file with them. I also provided them with a letter that the original institution wrote me. The letter stated that all information was to be deleted and what was reported was incorrect. I received notification today that Chex systems will not deleted the information claiming it 's correct and accurate. I attempted to reach their customer relations team who told me that they will not delete the information regardless of what I 've provided and that it will stay on my file. They told me they had the letter I provided the credit union wrote to me but still refuse to update the information and delete it.
12/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NJ 085XX	Web
I have denied account opening due to Chex system Reporting on my name. Chex system Reporting my Credit Score XXXX - I have ask Chex system how they calculated my credit score since I have never been late in any payment and never had insufficient fund and bounce check or return check due to insufficient fund in my account. I believe Chex system is wrongly calculating and reporting Consumer Score on my name. I have been trying to get this information, but I have not received any information how and why Chex system is reporting only XXXX Consumer Credit Score. Chex System does not have any phone number where i can talk and resolve this issue and online inquiry they just can not follow my request and answer what i an asking to them.
02/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL XXXXX	Web
XXXX and the owner XXXX XXXX is a XXXX XXXX XXXX criminal, they are using deformatory information on me when there is no tangible evidence to the claim, i dont give a XXXX who they are and what they do, i dont have any contract with these criminals showing any obligation to perform, furthermore thier criminal co-contractor friends are liars, I never received any ''bill '' from anybody and never received any ''varified complaint '' sworn to and notarized, which would substantiate a wrong-doing, so who the XXXX is XXXX, ,,,,,,, its a criminal extortion racket, there is no tangible evidence of any debt without a ''bill '' a statement is a whole different meaning, thats why i have a ''billing address '' and not a ''statement address ''
11/29/2017	Yes	Checking or savings account Checking account	Managing an account Cashing a check	CA 94110	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX called to say that they had been hired to collect on a check for {$250.00}, which I had simply stopped payment on due to a misunderstanding between me and another person. There were no goods or services for which I was paying. The person who received the check did not collect the money, though XXXX claimed that she did. They said that the XXXX XXXX XXXX in XXXX had paid the {$250.00} and now wanted to recover the money from me since I had stopped payment. In fact, the bank had charged the recipient {$30.00} for a bounced check. I do n't know how this company was able to get a copy of my check. But I find it disturbing that they did and clearly just started phishing with a copy of my cancelled check.
04/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I am a victim of identity theft and have been a victim of identity theft for over 20 years. The following inquiries viewed by others on my Chex Systems Consumer Report ID : XXXX is fraudulent and unauthorized credit inquiries : XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2022, I have sent numerous police reports to Chex Systems in regards to being a victim of identity theft and fraudulent credit inquiries and checking accounts being listed on my Chex Systems Consumer Report, and Chex Systems continues to list fraudulent and unauthorized credit inquiries and bank or credit Union checking accounts on my consumer report. I have a current police report on file with Chex Systems.
10/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77053	Web
Account # XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. XXXX5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written ainstructons 1 U.s.C 1681c. ( ax ) section States : no consumer reportina agency mav make anv consumer report containing anv of the followinc Items or information Any oter adverse item or information, oter than recoras or convictions or crimes wnich antedates the report by more man seven years 15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
08/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	TX 77045	Web
It has been brought to my attention that XXXX XXXX XXXXXXXX has listed Suspected Fraudulent Activity on my ChexSystems file, dated XX/XX/2019. To my knowledge, I have never had Suspected Fraudulent Activity with XXXX XXXX XXXXXXXX. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from XXXX XXXX XXXX including copies of any documentation associated with this activity which bear my signature. In the absence of such documentation, I request that this be permanently removed from my ChexSystems report. For your records, my contact information is as follows : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Texas XXXX
06/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IA 526XX	Web
Attached is a letter of Notice of Data Breach from XXXX XXXX regarding the data breach that was discovered on XX/XX/XXXX. The following inquiries viewed by others and me that are currently listed on my Chex Systems Consumer Report ID : XXXX are fraudulent inquiries and comes from the data breach from XXXX XXXX : XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
02/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NE 68127	Web
Received a report from chexsystems that my social security number was associated with another individuals account. Contacted chexsystems and they states that the inquiry was made by XXXX XXXX. Called XXXX XXXX, and they stated that they do not have the ability to search for my social security number or associate it to an account, and they could only see the last four digits of it, and thus could not provide me with any information on what account may have been fraudulently opened using this social security number. Thus, ai could not obtain documents relating to any fraudulent transactions that may have been made or loan accounts that may have been opened using my personal information in violation of the fair credit reporting act.
03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33126	Web
Since late of 2019 Ive been in contact with the Chex Systems company where as i told them they had inaccurate information reporting through system. Since I've been denied bank accounts and lines of credit. I've asked them repeatedly to fix and remove these items at one point they did only to turn around and place the false information back on their report. All this information listed below is inaccurate : ADDRESS NOT ASSOCIATED WITH ME : XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PHONE NUMBERS NOT ASSOCIATED WITH ME : XXXX, XXXX XXXX XXXX XXXX, SUSPECTED FRAUD ACTIVITY ACCT XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
06/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	WA 98409	Web
I had a checking account and I was robbed and reported it to the police and to the bank and there was some activity on the account that caused the bank to do an investigation and they replaced some of the money that was taken from the account and then closed the account and reported it as suspected fraud activity even after a police report was submitted to them and everything and they even have the persons name and everything that did the fraudulent activity on my account. I disputed this with the bank and they still refuse to take it off of my record. I don't see how they can accuse people of things like this and put derogatory marks on their record without proof that the person is guilty therefore hindering that person 's life.
01/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75134	Web
I received my chexsystems report and I noticed there are some inquires that are not mines and I open up a disputes on them in the past and they were denied and I provide them documents in the past and they didnt do anything about it ... .. there are several inquires from XXXX on the behalf of XXXX XXXX XXXX .... and all the inquires are not done by me or nor I do business with these companies there one for XXXX XXXX on XX/XX/XXXX I didnt apply for XXXX XXXX and I didnt apply for XXXX XXXX on XX/XX/XXXX and there is inquires for XXXX XXXX XXXX on XX/XX/XXXX I didnt apply for XXXX inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
10/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30349	Web
Closed an account from XXXX XXXX with cashiers check as I was moving to another location which did not have XXXX XXXX. I then opened an account at local XXXX XXXX XXXX branch and the cashiers check I had didn't deposit until about 90 days, XXXX XXXX XXXX requested documentation and the proof that it was a valid check. I called the previous bank ( XXXX XXXX ) and the branch manager sent over motorized check/copy and letter confirming it was a valid check not suspected fraud as XXXX XXXX XXXX implied. XXXX XXXX XXXX closed the account and placed suspected fraud on the XXXX which severely refrains me from opening an account at any other bank. This information is false and need to be removed from my history as I am not a fraud.
07/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
I am a victim of identity theft. I became aware that several credit and checking accounts were opened in my name without my approval, consent or knowledge. From 2016 until present I have not applied for or opened any new checking or savings accounts whatsover with any bank. I bank with XXXX XXXX XXXX which I opened in person in New York. Every other bank account and inquiry on my ChexSystems and XXXX XXXX XXXX report is a result of fraud. I did not even live at the addresses that were given to ChexSystems or XXXX XXXX XXXX. I am attaching a copy of my photo ID, birth certificate and my current lease showing where I actually lived during this time of identity theft. The only account that is actually mine is with XXXX XXXX XXXX
10/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	FL 33062	Web	Older American
I never heard of this company. Our credit rating are very high on the three normal rating services. We tried to apply for a high interest CD and the bank told us our report with " Chexsystems '' is preventing us from getting the CD. We have tried by phone and online o open an accunt. To no avail. My wife got a human on the phone once and they had such a heavy foreign accent she couldn't understand them. The online procedure to enroll is impossible to negotiate and they have incorrect phone numbers as to be texted. Worst of all, they want me to complain to them which I find ridiculous and insulting. How can I get them to provide a credit report to me and can I take legal action against them You have my contact information
10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	AZ 857XX	Web
Called today XXXX, talked with representative who could only offer to send another description of the factors that influenced the score. When I viewed the information on the XXXX portal, XXXX items were listed : INSUFFICIENT DDA INQUIRY ACTIVITY SAME FI, and RECENT UNIQUE FI DDA INQUIRY HISTORY. The representative had no other information and could not even explain these " reasons. '' It appears that ChexSystems " calculates '' a credit score of " XXXX '' with NO information! My actual credit score with the XXXX major bureaus is virtually a perfect score. This appears to be a fraudulent business practice and should be investigated. The Consumer Finance Protection Bureau should open an inquiry on ChexSystems immediately.
11/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07601	Web
I was involved in a class action suit with XXXX XXXX XXXXXXXX because of fees and their reporting inaccuracies on my consumer reports such as Chexsystems and XXXX XXXX I received XXXX checks in the mail for all three accounts, however, only XXXX were removed from ChexSystems, and XXXX XXXX as I have previously disputed the inaccuracies with them in the past. They are still reporting the third account and it is affecting my ability to open a new bank account. I was instructed to contact ChexSystems and XXXX XXXX as they are the reporting agencies still reporting this inaccurate information. The account below is still reporting inaccurate and I am asking for them to please remove it. XXXX XXXX XXXXXXXX Account Number XXXX
09/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	IL 60620	Web
According to the Privacy Act 1974 15 U.S Code 1692c It is considered identity theft when creditors give our private information to another company. I have found that this company has shared my information with many financial institutions in regards to closed checkings accounts, saving accounts and they update the report with a paid in full or settle in full status with out my permission. That is referred to as identity theft. They are also reporting the wrong personal information. Chex Systems , Inc has caused me great distress with having to find other institutions to bank with. Due to the reported information on file with Chex Systems ( against my consent ), I have been unable to partner with other institutions.
12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30318	Web
XXXX XXXX XXXX XXXX XXXX XXXX are all reporting inquiries on my consumer reports hard and soft inquiries. When declined to remove they will make note of Permissible use thats the reason they wont deletehowever based on the law as follows : 15 U.S Code 1681b- any consumer reporting agency may furnish a consumer report under the following circumstances and no OTHER : Court, written instructions of consumer, credit transaction, extension of credit, employment purposes, insurance underwriting, license, child support. NONE of the inquiries EXCEPT the ones I have direct open accounts with should be on my consumer report AT ALL! Please cure asap or I will move forward with the INTENT TO SUE for each and every valid violation.
06/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	SC 29455	Web
I applied for a XXXX XXXX credit builder account on XX/XX/2019 to help build my credit and I was denied. XXXX XXXX gave the name, number and address of XXXX XXXX upon my denial. I went to the Official Site of XXXX XXXX website and ordered my credit report. I received a conformation number and my my disclosure report would be mailed to me in 5 days. I have not received a report. Once I realized the report was taking quite long. I sent XXXX XXXX a certified letter alerting them that I requested my report on XX/XX/2019 as of at the time XX/XX/2019. My letter was received on XX/XX/2019 and I still have not received my report. In my letter they were also aware that I would contact the C.P.F.B and my letter was still ignored.
01/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I am a victim of identity theft and have been a victim of identity theft for over 20 years. The following inquiries viewed by others on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized, and the result of identity theft : XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX Bank, XX/XX/2022, XXXX XXXX Bank, XX/XX/2022, XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XX/XX/2022, State Employees XXXX XXXX Maryland XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX and State Employees XXXXXXXX XXXX Maryland, XXXX XXXX XX/XX/2022 XXXX I have a current police report on file with Chex Systems.
09/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	CA 91302	Web
XXXX been holding negative items on my credit report for years, holding me back financially. Ive done everything I can to Dispute all negative items, even after some of the items were paid in full or no longer being reported. Every time I try to dispute online, they dont remove the accounts from my credit report. To me is not fair because Ive been fighting identity theft over XXXX years and I took initiative up on myself to fix everything but I need help ASAP. in addition to XXXX XXXX XXXX XXXX XXXX XXXX falsely closed and reported both my personal bank account and my secure credit card to the credit, bureaus and Chex systems as account abuse.Bank of the west illegally reported my accounts to be closed until 2029.
12/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	WA 98109	Web
I just recently tried to get a bank account and chexsystems told them I could not do so so I called them and asked for the disclosure paper and all the things it had on there I did not do at all like bank accounts and other XXXX XXXX I didn't understand on there I don't remember them all but here are two of them one : XXXX XXXX a part of XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO 2 1/2 years ago someone broke in my spot and also my purse was dumped out and my wallet had my SSN card my id and money also my son 's SSN card and his health card missing and all of a sudden I started getting mail about cars and stuff and I don't own a car and now this
11/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 34786	Web
On XX/XX/2021 I wrote check # XXXX from my XXXX XXXX account in the amount of {$110.00} to XXXX XXXX for salon services. On XX/XX/XXXX I attempted to write a check to XXXX, who refused it saying my XXXX check was nsf. My bank has conducted 2 investigations, the outcome being they have never been presented the check for payment. I have contacted XXXX numerous times - at the local level and corporate, including the CEO and received no assistance. The local store manager said they have been paid, XXXX says it is a XXXX XXXX issue and XXXX XXXX can not look for something that has not surfaced. PLEASE HELP! I have NEVER bounced a check and at this time can not write a check anywhere else. I need my good name cleared.
03/28/2017	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	DE 198XX	Web
On XXXX/17, I made a payment of {$760.00} for my credit card on the XXXX website. The funds were quickly removed from my checking account at XXXX the very next day XX/XX/2017. The problem is the {$760.00} never posted to the XXXX account and they never got paid. This has been an ongoing issue for two months and neither XXXX, XXXX, of FIS ( the payment vendor ) seems to know what to do. I am consistently told that FIS will contact me but they never do. I only want the {$760.00} to be paid and post to the XXXX account. That is it. For some reason, this is an issue for all parties involved and this has gone on way to long. What happened to my money? Is it just sitting in a FIS suspense account somewhere? Thank you.
07/28/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	FL 32824	Web	Older American
I am resubmitting a complaint to chexsystems because in their response they refused to remove the fraudulent inquiries that have appeared on my chexsystems file due to my police report date not being close to the new fraudulent inquiries. I have filed another police report listing XXXX and XXXX. I have not received the letter they stated they sent with the new report. I have yet to see what is on my Chexsystems file but the only inquiries that should be listed are XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Any other inquiry on my file is fraudulent. I also never requested for a fraud alert on my XXXX file. They mentioned that I can dispute through them XXXX to remove the fraud alert on my consumer risk file XXXX.
03/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11432	Web
There is a fraudulent bank account that is reporting on my XXXX and Chex reports. I have viewed my reports and I have never opened this fraudulent account. This account has destroyed my ability to create relationships with new banks and is hurting me in ways unimaginable. It is extremely unfair that I have to deal with this when the fault is not my own. As a consumer reporting agency, you too fall under the laws of the Fair Credit Reporting Act. I am enacting my consumer rights by disputing this fraudulent information. According to section 605 B of the Fair credit reporting act, this account must be removed from my consumer report immediately. Failure to comply will be seen as an illegal act under FEDERAL LAW.
07/04/2018	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	CO 80247	Web
The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protections website at www.consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document.
03/23/2017	Yes	Other financial service Check cashing	Customer service/Customer relations	SC 29150	Web
I had to close a checking account due to fraud. Since changing to a new checking account I have had repeated instances of having checks declined by Certegy Check Services. I contacted them for a copy of my file to explain why they were being declined and the file states " This transaction fell outside of the guidelines Certegy has established for authorization ''. I called them and they threw responsibility back on the store - because they just advise. They were not able to give me any reason for the checks being declined. In addition, one check was declined and then a month later approved - same checking account, same person. They did tell me not to let this experience stop me from trying to write checks.
11/02/2016	Yes	Credit reporting	Credit reporting company's investigation No notice of investigation status/result	IL 60620	Web
In XXXX of 2016 I Filed a complaint with ChexSystems about a report the said I owed with a bank. I got a letter about verifying my identity asking for a letter from social security administration. They do n't send letters so I called them in XXXX to tell them I also sent a copy of my social security card and I 'd. I did n't hear from them until XXXX which was a another report. They have yet to respond to my dispute that they have my social security number wrong on my report. My number is XXXX they continue to show my number as something ending in XXXX. I tried to call and all I get is being bounced around by a answer machine. I would like for them to take all the accounts on XXXX off my chexsystems report.
06/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I am a victim of identity theft and have a current police report on file dated XX/XX/2022 with Chex Systems. The following Reported Information and Inquiries Viewed By Others listed on my Chex Systems XXXX Report ID : XXXX, is not my checking accounts or inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XX/XX/2022 and XXXXXXXX XXXX XXXXXX/XX/2022. I never applied for or had a checking account with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. The checking accounts from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX is fraudulent and not my checking accounts. The inquiries from XXXX XXXXXXXX XXXX and XXXXXXXX XXXX are not my inquiries.
08/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	FL 33904	Web
Hello, Back in early XX/XX/2015 I had a bank account with XXXX XXXX XXXX. I was asked by someone i knew to deposit into my account via ATM a money order for {$200.00} and give them the cash. Unfortunately, i did. I thought because it was a legal looking money order that all was fine. I deposited it, gave her the cash and have found out that it was no good and she scammed me. Not only me, but 3-5 other people and she was caught/arrested. I currently though have a fraud activity on ChexSystems and its causing me major problems. Can you advise or help me on how to get this off my report? I am a victim of trusting someone and am really devastated that this is making ME look like the criminal. Please Help..TY
09/13/2023	Yes	Checking or savings account Checking account	Opening an account Account opened without my consent or knowledge	MI 48180	Web
Subject : Dispute of Negative Information on My Bank Report To Whom It May Concern, I'm submitting this complaint due to the negative information that CHEX SYSTEMS has reported in my bank report. I believe that my rights have been violated as this information is inaccurate and misleading. Please investigate and rectify this matter promptly. Account Information : Name : XXXX XXXX Account Number : XXXX Description of Dispute : To whom it may concern CHEX SYSTEMS is reporting a negative XXXX XXXX bank account with my personal information. I demand the removal of this negative item as the information is inaccurate or in violation of my rights as I do not recall opening a XXXX XXXX personal checking account.
04/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	MO 64804	Web
On or about XX/XX/2021 I attempted to open a new checking account with XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Mo XXXX and was mailed a letter of denial stating ( Based on information received by ChexSystems, a consumer reporting agency ) Letter sent have a phone number of XXXX to call and obtain a free copy of my credit report, however when calling said number the auto mated systems continues to hang up and say call later, I called ChexSystems customer service on or about XX/XX/XXXX at XXXX CST and was hung up on several times by their representatives they are refusing to provide me a free copy pursuant to the FCRA and are reporting inaccurate information and not allowing me a opportunity to dispute it!
12/13/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	CA 94544	Web
A certified letter original dispute with Chex Systems has been sent to address : Chex Systems Consumer Relations, XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX. A requested is sent to them to correct the negative information from the XXXX XXXX XXXX which they are making fraud and black mailing the consumer by the inserting negative information which is 100 % wrong need to fix immediately and removed from the XXXX XXXX XXXX and Chex Systems. A attorney letters and my numerous requests have been sent to them but no action is being taken place. Several complaints have been forwarded to you in this regard for immediately fixing and the removal of wrong and negative information from XXXX XXXX XXXX and Chex Systems.
05/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95823	Web
I had checking account and charged from XXXX of {$35.00} for membership. I was given 90 days as trial period and I could cannel this within 90 if I did not like their products. Within 6 days member ship was cancelled and I had entire 90 days to cancel. Around XX/XX/XXXX was the last day to cancel membership. Cancellation dated email was sent on XX/XX/XXXX is not 90 days. Multiple banks I tried to open new accounts has been denied because credit reporting indicates I have not paid {$180.00}. My member ship was canceled within time allowed and I dont to pay anything to XXXX XXXX. The amount that I was supposed to be paid was {$35.00} and late fee and other charges has been added to come to {$180.00}.
06/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60652	Web
My first dispute letter was sent XX/XX/2018. My second letter was sent XX/XX/2018 according to my mailing receipts. XXXX XXXX XXXX continues to report negative inaccurate information to my credit report. After the first letter, XXXX updated accounts to verified as accurate but ALL debts are paid off. XXXX has not provided proper documentation as to WHY they are continuing to report negative information to my credit report. After the second letter, XXXX sent a letter stating XXXX is attempting to collect a debt. XXXX XXXX XXXX has not provided valid documentation of debts owed. This information is inaccurate. XXXX XXXX XXXX is now in violation of the FCRA and continues to be in noncompliance.
12/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37221	Web
I am a victim of identity theft and this complaint contains new information from any and all previous disputes or complaints. Upon review I discovered a checking and savings account opened in my name at XXXX XXXX XXXX I did not open or use these accounts. Previously I was told that these accounts were opened in person but new information provided to me by the bank confirmed these accounts were opened online. Chexsystems is reporting these accounts as account abuse on my chexsystems report however these accounts do not belong to me and the new information that these accounts were opened online requires a new investigation by chexsystems. I reached out to chexsystems and was unable to speak to anyone.
10/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	WA 98513	Web	Servicemember
XX/XX/2022 I have a freeze on file with chexsystems, I called their consumer report phone number line XXXX XXXX XXXX to ask if an bank disregarded the freeze on my account and opened an account anyway. The specialist told me I had to call the consumer relations number XXXX XXXX XXXX. When I called that line I was sent right back to the freeze department twice who told me they could not assist me and to call that XXXX number again. the initial call was placed at XXXXXXXX XXXX XXXX, the other two calls started at XXXX XXXX XXXX I have finally given up as I can not get the information required to determine why XXXX new accounts were opened in my name. XXXX XXXX XXXX XXXX, and now XXXX XXXX XXXX XXXX
04/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY XXXXX	Web
I am a victim of identity theft. My apartment was broken into and several of my identity documents were stolen which resulted in the take over of my XXXX XXXX XXXX checking account. I filed a police report which has been attached. XXXX XXXX XXXX risk department froze my checking account and closed it. I was told by numerous XXXX XXXX XXXX employees over the phone and in writing that no negative information would be reported to any credit reporting agency for any of my accounts. I have now found that XXXX XXXX XXXX has reported the hacked accounts to ChexSystems and XXXX XXXX XXXX. Since these accounts were taken over as a result of identity theft I would like the account reporting to be updated.
01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70508	Web
As per the XXXX, consumers must be given the opportunity to opt out of having their personal information shared with nonaffiliated third parties. The failure of your company to provide this notice compromises my rights and potentially exposes my personal information in a manner that I do not consent to. This business has been reporting negative information to the credit reporting agencies. I have tried to obtain several copies of my consumer report from this company in order to correct the problem and they have not complied. Therefore, the information being reported is unknown, and I wont take responsibility for unknown debts. This is fraud and is being reported inaccurately and without consent.
10/21/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	CA 920XX	Web
I feel like im being taken advantage of and being ignored of my disputes. I am not receiving adequate valid verification. I have not received any documentation to corroborate the claim for this negative listing on my Chexsystems report. I am asking to be provided with any and all documents bearing my signature that legally binds and contractual obligation for this account. Absent of these documents you are illegally reporting this negative listing and will be liable to me for the stress this has caused me. Please provide the required documentation or remove this unlawful listing at once. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
02/24/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	FL 32824	Web	Older American
The reason for my complaint is because I have had an issue with Identity theft. I have filed a police report and sent it to chex-systems and they have corrected the fraudulent information. But I have had a more recent situation in which I have faxed Chex-systems the amended police report and they have not responded to my request. There is a charged off amount reported for account abuse for {$37.00} that is a result of identity theft and there are several inquires showing on my report that are fraudulent as well. The only inquiries that should be showing on my report are with XXXX XXXX and and XXXX XXXX XXXX. I sent chex systems this information in XXXX and they have not responded to my dispute.
03/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	MN XXXXX	Web
I applied to a Credit Union as was told I could not get an account because of a ChexSystems report. I had no idea what that was, so I ordered a copy delivered. Upon delivery, I see a mark from XX/XX/2013 from XXXX XXXX that says " Account Abuse ''. The total amount claimed to be charged off was XXXX. This is completely inaccurate. I still have accounts in goodstanding with XXXX XXXX. I never received any notices, and I certainly did not abuse my account. This was a joint checking account that was soley used to pay our mortgage at the time. This is a bogus description and a bad business practice. I had other linked accounts and was never given information about any abuse of the account.
11/11/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	GA 30013	Web
I filed a dispute with Chexsystems over a month and a half ago. I have been expecting to hear from them or receive a letter regarding my dispute. I have n't received anything from them. I just got off the phone with them and they said that there is no record of my disputes at all, which is a lie. I sent them the disputes via certified mail. They have information on my report that does n't belong to me at all. I want the information removed due to the fact that they have blatantly disregarded my dispute and ignored it like it was going to go away. I have attached the final letter that I mailed to them today. They have 30 days to remove the items off of my report or I will take them to court.
02/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Investigation took more than 30 days	NY 11234	Web
After careful review on my behave of the consecutive timeline period provided by "XXXX XXXX XXXX" correspondence and all paperwork necessary in resolving this case; as stated in the attached letter "ChexSystems Request for Investigation" that was initiated by you (******.) and disputed for investigation by me on XX/XX/XXXX; ..it was written by your letter that if ChexSystems does not receive a response to this investigation requested by XX/XX/XXXX this "disputed item" shall be removed from the "ChexSystems" files. ChexSystems and myself were notified of the outcome on XX/XX/XXXX--that is more than 1 month and 12 days that passed over as directed by the Federal Fair Credit Reporting Act!
11/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 707XX	Web
I Have Identified information on my reports as a result of identity theft.Items are not the results of any consumer transactions made by me. Here are some of the companies attempting to collect monies unlawfully : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX the named ( soe ) COMPANIES are a pairing the efficiency of the banking company.The continued reporting informtion is improper utilization of my information.
08/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 93535	Web
What happened was they told me they had the right to show the wrong info for 5 years if they wanted to. That means I can't get a bank account with any decent bank until XX/XX/22. The deal was a check I deposited that turned out bad I was sent to do a supposed secret shop, which for me was nothing unusual. I had been secret shopping for the last 3 or 4 yrs prior and never had any problems. So when this happened I got so scared that I quit secret shopping all together and just stuck to my XXXX check to live on. I have gotten in touch with XXXX XXXX XXXXXXXX and they tell me that I don't owe them a thing and there is nothing against me in the computer, other than they closed my account.
08/12/2022	Yes	Checking or savings account Other banking product or service	Opening an account Account opened as a result of fraud	NJ 08021	Web
I am a victim of identity theft. Please remove these accounts that appeared on my Chex system and XXXX credit bureau. These are fraudulent. They don't belong to me. XXXX XXXX XXXX XXXX appears 3 times XX/XX/22 AND XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 ON XXXX XXXX BANK XX/XX/22 According to consumer law 15 U.S.C. 1681b ( a ) ( 2 ), CRA 'S do not have permissible purpose nor did they have my written instructions any negative information on my report.Please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B 15 U.S.C. 1681c-2 which states that the information must be removed within four business days of receipt.
06/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IA 526XX	Web
Attached is a letter I received from XXXX XXXX in regards to a data breach that XXXX XXXX was made aware of on XX/XX/XXXX. My personal information was compromised by the data breach. The following inquiries viewed by others currently listed and showing on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized, not my inquiries and is the result of the data breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
05/14/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 78758	Web
Robocalls continued to our office for months claiming we needed to call the number of Complete Collection Services concerning a debt collection case. There was no way to stop the calls without calling back the harrassers. I finally had to take time pout of my business day to contact these people to stop harassing us with this imaginary debt scam. When a person answered and I gave then the number of the phone line that was being called they admitted it was the wrong number. It is not the responsibility of innocent consumers to fund the activities of these clowns because they ca n't be bothered to check the facts or at least be the ones paying the people to waste time on this.
04/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IL 60636	Web
Hello yes, my name came up in CheckSystems again for a amount that I have sent the required fee to have this former account closed as stated. It's with XXXX XXXX XXXX a older checking account dated XXXX. I have paid their collections department before being notified by Check systems and it appears they never removed or updated the systems that I took care of my balance that was paid already. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX It's incorrect information that's coming up, the {$750.00} has been paid off already, it's showing in CheckSystems report as upaid but I know I paid it off already, positive, because it's what's holding me from my business affairs also. Thank You
06/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 95355	Web
I have a freeze on my XXXX consumer profile, which I don't intend to lift. Because of the freeze on my XXXX profile, ChexSystems refuses to generate a report for me in response to financial institutions inquiries ( provides the Reason Code XXXX and Qualifile Score XXXX ). A credit/consumer reporting agency ( ChexSystems in this case ) must not refuse generating a report for a consumer solely because there is a freeze on the consumer profile on another separate and different credit/consumer reporting agency. I don't intend to lift the freeze on my XXXX profile. Considering this fact, I demand ChexSystems to generate a report for me in response to financial institution inquiries.
11/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 956XX	Web	Older American
ChexSystems reported to XXXX XXXX XXXX and Loan that I owed XXXX XXXX XXXXXXXX XXXX XXXX {$10.00}. The account of XXXX was my granddaughter 's XXXX account when she was a minor and I was on that account, but she closed that account after she was XXXX XXXX XXXX. The address on the report is incorrect. I have been at my current address since XXXX. I sent to ChexSystems for my credit report. My Consumer ID is XXXX dated XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX cell phone Please Correct the address XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX to XXXX XXXX XXXX, XXXX, CA XXXX, take the reported {$10.00} off my report and Send me a copy of the corrected report.
11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	NY 11218	Web
I went to this bank to apply for a savings account and I was declined based on a chexsystems report with the following codes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called chexsystems customer service line to find out what do these codes mean they told me it was about fraud or fraud history. And that I opened alot of savings accounts but I'm in currently good standing with all my accounts. I do not understand why this is negatively reported on my report. I have never engaged in any fraudulent activity or have had issues regarding to fraud and bank accounts, so why is Chexsystems reporting this inaccurate information about me?
12/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33157	Web
This is a fraudulent account, ending in XXXX and I am requesting for this account to be removed from my Chex System report. As this unauthorized account is hindering future banking relationships. I am a victim of identity theft and fraud and this account was reported when observe.See attached documents of my information being exposed in several data breaches and sold on the black web from XXXX to XXXX. This was also reported to the credit bureaus, a identity theft report was done via web and all credit bureaus have deleted the fraudulent information/accounts associated. I also have been affected due to the pandemic ( Covid-19 ) and wish to not have any added stress at this time.
02/02/2018	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	CA XXXXX	Web
deposited check via mobile app into XXXX XXXX ( XXXX XXXX XXXX account ) XXXX XXXX credited my account and then debited the account saying they never cashed the check. I contacted certegy ( XXXX XXXX XXXX processor ) and they over the phone claimed that they cant verify the check was cashed or not. they can only provide information if they approved the check cashing transaction or not. I requested my full report from certegy ( check services ) and listed under cashed checks was this check I deposited into my XXXX XXXX XXXX account. Ive been scammed XXXX XXXX refuses to make deposit available and certegy is playing along. both doing Fruad and scamming people BE AWARE PEOPLE!
06/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NC 28205	Web
A written request to delete the information from my report because it was incorrect, because it was unauthorized. Instead of deleted it from my personal information the credit reporting company updated the comment section and reported information that again was incorrect and inaccurate. I have written to them 2 times demanding the deletion and it has not been done. I have not provided authorization to provide information without my consent, especially for companies that have paid them to provide it to the for profit. They are a for profit company and the Federal Law states that it must ALL be accurate and correct. My rights have been violated on more than one occasion.
03/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 90712	Web	Servicemember
i wrote a check from a local bank ( XXXX ) to make a purchase at XXXX XXXX. I have done so in the past and have had no problems. Today XXXX XX/XX/2018, my check was declined. When I asked my bank they said it was the company Certegy that declined it not them. I tried to contact the company with their phone service both ( XXXX ) XXXX and ( XXXX ) XXXX to inquire why. You can not get a person. When I tried to enter my information using the phone it would not take my driver 's license number thus I could not ask for a credit report or inquire as to why they declined it. The only other contact was a PO Box number. However, I do not trust this method and want to talk to a person.
12/09/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	NY 10467	Web
I had an issue with my XXXX XXXX XXXX checking account a while back my card was stolen and used and I was blamed for it leaving me owing the bank XXXX I argued but lost and eventually paid off the XXXX ( do n't have recipt ) to have my account in good standing same for my XXXX account I owed {$38.00} due to over draft fee 's but recently paid it off ( have receipt ), however when I when to open a checking account at XXXX XXXX I was unable to do so due to my Chex Systems report saying that I still owe this money both banks but they were both in fact paid in full. I was told that sometimes Chex systems fails to updated, so I am just hoping to have my reports brought up to date.
10/20/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	CA 95945	Web
Hello, I am writing to dispute information on my consumer reporting file. I have been a victim of identity theft and believe there is false information on my file. Specifically, I have been living abroad for 3 years and I learned that while I was abroad my identity was used by a third party, potentially family member, who had my information and was aware that I was out of the country. Please remove all records for the past 3 years as they are not valid nor a result of my actions. I have not utilized a XXXX account during my time XXXX, thus any records for this time period are likely from fraudulently opened accounts. Attached is a relevant IC3 report for your reference.
04/11/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NJ 07050	Web
I am disputing the inaccurate information the Chex-Systems has on my credit report. I initially submitted a police report on XXXX/XXXX/16 and Chex Systems only deleted the items that I mentioned in the letter and not all the items that were actually listed on the police report. In other words they wanted me to say word for word to them what items were fraudulent. The total disregard of the police report and what accounts that it states that are fraudulent. If they just had paid a little closer attention to the police report I would not been in this position now and they would n't have to research once again. I would like the reported information to be removed : XXXX XXXX XXXX
04/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information that should be on the report is missing	TX XXXXX	Web	Servicemember
As I've been the recent victim of identity theft and account take over, I made a request for my CHEX consumer report online. The company has made it incredibly difficult and has yet to provide me with my full consumer report as requested. Their first response was to mail me a letter stating it was required that I call in and provide a security code to have my report sent to me. That was a long and lengthy process. When the report finally arrived, it was void of all data relevant to the score they provided or the reasons for the score. No banking or transaction information was provided at all. Jus a score and obscure reason codes, which make no sense to the average American.
02/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 61115	Web
I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. Also, I was told by ChexSystems representative that someone else name in connected to my social security number which is a result in identity theft. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXXXXXX XXXX XXXX XXXX XXXX Below is a copy of my supported documentation, I am the only consumer that should be attached to this number.
06/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30046	Web	Servicemember
In XX/XX/XXXX I received my consumer report stating that My account was closed and paid for XXXXXXXX XXXX, which that information was correct. I tried to open another account due to the fact I paid them off and nothing else was on my report. I was then transferred to another representative stating that the account was not paid off and they need a receipt of the payment. I told them I no longer have access to the transaction which happened in XX/XX/XXXX-XX/XX/XXXX. The representative then says that she sees I paid it but the money was a returned payment. I advised that that could not be true. The issue is still not resolved and showing negative impact on my consumer history.
04/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	IN 46239	Web
checksysytems is reporting negative information that should not be reported any longer which is prohibiting me from obtaining the products and services I am applying for. i applied for an account with dcu and was denied the account due to information that was reported by checksystems and when i spoke to checksystems they are telling me that there is nothing stopping me from obtaining the account so at this point I got my consumer report from checksystems and cant see any reason why i would be denied but they are also not trying to assist in correcting the problem but the inconsistencies on my report are old and should be removed so my score and report can reflect properly.
07/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I am a victim of identity theft and has a current police report on file with Chex Systems dated XX/XX/2022. The following Reported Information currently listed on my Chex Systems Consumer Report ID : XXXX is unauthorized, fraudulent and not my checking account : XXXX XXXX XXXX XXXX, Account # : XXXX, balance : {$11000.00} and XXXX XXXX XXXX XXXX, the following Inquiries Viewed By Others and Inquiries Viewed Only By You, is unauthorized, fraudulent and not my inquiries : XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX Bank, XX/XX/2022, XXXX XXXX XXXX XXXX XXXX, XX/XX/2022, and XXXX XXXX XXXX, XX/XX/2022
07/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	TX 75002	Web
After several rounds of disputes with ChexSystems about this address there has not been any real investigation. I gave them a contact number to the Apartment community that they are supposedly representing on my report. The address that you are reporting is invalid as well as incomplete and can not truly be verified. To the least, the address has not been authenticated as per my requirement as you are falsely reporting inaccurate information on my report. I challenged ChexSystems to verify in their re-investigation an address that is not a valid United States Postal Service address according to the rules of the FCRA regarding re-investigations. ( COPIED FROM AFFIDAVIT ).
04/19/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90068	Web
On XX/XX/2023, i received correspondence from Complete Payment Recovery Services , Inc. in regards to a debt owed for {$1000.00} stating is being reported in a national check verification database. Client is XXXX. States check # XXXX, Between XX/XX/XXXX,, XXXX and today. Please note this a form of Identity Theft, i was notified by XXXX XXXX XXXX in the XXXX week of XXXX about possible fraud on my credit cards and accounts, as such, i had to close my checking, savings account and two credit cards i had with XXXX XXXX XXXX. I can be reached at XXXX XXXX XXXX my home land line. and by cell XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX
05/12/2020	Yes	Checking or savings account Other banking product or service	Unable to get your credit report or credit score Problem getting your free annual credit report	OH 43219	Web
I have been trying to reach chex systems in order to get my credit report which is under a freeze because of my identity theft due to serious car crash by which i almost died i have my pin number which is XXXX and consumer identification XXXX. The system is totally automated by phone and the website has issues. I need my chex systems report to be update according to the fair credit reporting act, and Fair and accurate tans actions act. I need my chex systems reports after all old and outdated information removed and the results sent to me afterwards to show the results of the removed items after all federal laws have been applied as to this credit report to be updated.
08/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 47374	Web
I applied for a checking account at a local bank and they denied me, stated chexsystems has information on their report about me that disqualifies me for a checking account. I went onto chexsystems website and requested a copy of the report about me and they mailed me a report showing that I have past checking accounts that I still owe money too, that have been charged off by the bank. I did owe them but I filed bankruptcy on the accounts over a year ago and my credit report shows a XXXX balance on the checking accounts, but chexsystems has n't updated their records to my correct information which is and has caused me a hardship because of their inaccurate reporting.
05/26/2023	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	CA XXXXX	Web
While checking my personal report, which I acquired fromChexSystems, I noticed an Unknown Checking account made by your company XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, CA XXXX on XX/XX/2021. I did not authorized anyone employed by your company to make an inquiry and/or open the account under my information without my consent. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
04/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
A Representative from the Federal Trade Commission informed and told me to send the attached IdentityTheft.gov report to Chex Systems to dispute inaccurate information on my Chex Systems Consumer Report ID : XXXX and have Chex Systems delete and remove the inaccurate information from my consumer report that has been reported to the Federal Trade Commission. The following account and inquiries currently listed on my Chex Systems Consumer Report ID : XXXX is inaccurate and fraudulent : XXXX XXXX XXXX, XXXX, {$16000.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
05/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	OR 97527	Web
Chexsystems claims that I have an open case with XXXX XXXX for XXXX $ since XX/XX/XXXX and this is NOT true I have never had an account with XXXX XXXX I have been having trouble with every single thing I have tried to do for more then 3 years now will someone please check these facts I am telling you here what do I have to do to get someone to listen to me and please help me out with this I am just one person against an entire corrupted system and its not fair its suppose to fall off after 3 years but yet it is still declining and denying me and its not falling off either why is that why cant I get somebody to recognize the travesty going on what do I got ta do
04/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY XXXXX	Web
I am a victim of identity theft. My office was broken into and several identity documents were stolen and have been used to open fraudulent accounts and make fraudulent transactions in my name. I filed a police report after the theft and have attached a copy to this complaint. I ordered my Certegy report and found the following information that does not belong to me : Outstanding Items : Date : XX/XX/2015 Merchant Location : XXXX XXXX Amount : {$75.00} Check Number : XXXX Date : XX/XX/2015 Merchant Location : XXXX XXXX Amount : {$5.00} Check Number : XXXX I have never done business with XXXX XXXX and I have never been associated with either of these checks.
08/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MS 395XX	Web
Paid auto repair service with a check from my XXXX credit card account on XXXX/XXXX/16. My check was accepted by the business. I received a written notice via mail from XXXX on XXXX/XXXX/16 that the check had been denied. I contacted the auto repair business to settle the debt but was told that they had been paid. They referred me to Certegy check services along with a case number. I contacted Certegy and found out that my debt had been turn over to Complete Payment Recovery, a collection agent. I paid the debt including the {$40.00} recovery fee. Certegy did not give me any notification of the payment denial or that the debt was being sent to a collection agent.
09/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
Attached to this complaint is a letter I received from XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2023 in regards to a data breach discovered on XX/XX/2023, by XXXX. My personal information such as my name, date of birth and social security number was compromised and stolen by an unauthorized third party. The following inquiries viewed by others currently showing and listed on my Chex Systems Consumer Report ID : XXXX is from the result of the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
The following checking accounts listed on my Chex Systems Consumer ID Report : XXXX are fraudulent checking accounts that are not my checking accounts : XXXX XXXX XXXX, {$900.00} and XXXX XXXX-XXXX, {$1900.00}. I did not open an account with XXXX XXXX or XXXX XXXX XXXX. The fraudulent checking accounts are not my checking accounts. The following credit inquiries listed on my Chex Systems Consumer Report are fraudulent and unauthorized : XXXX XXXX, XX/XX/2020 and XXXX XXXX, XX/XX/2020. I am a victim of identity theft and have been a victim of identity theft for over 20 years. Chex Systems has a current police report on file of me being a victim of identity theft.
08/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77089	Web
Ive tried multiple times having these items remove from my consumer report and nothing has been done about it under the federal law it clearly states that I have a right to privacy as it is there grave responsibly well as they had no promissible purpose to furnish these my personal information has been put into the world. 15 usc 1681b ( 2 ) - a consumer reporting agency may furnish a consumer report under the following in accordance with the written instructions of the consumer 15 usc 1681a ( 4 ) -congressional findings there is a need to insure agencies exercise their grave responsibility with fairness impartiality and respect for the consumer right to privacy
06/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	OH XXXXX	Web
I need my ChexSystems report to review for errors because I received a letter of adverse action. I requested my report via Internet in XXXX. I still do not have it as of today, XXXX. Further, the company has not communicated with me as to the status. I need to fix any errors because Im a victim of identity theft/fraud ( duly-reported and recorded in XXXX XXXX, CA ). Ive just tried re-pulling my report, but the website shows an error that the report is frozen and that my PIN does not match. I never received any communication in the Mail or otherwise regarding either the report itself nor the PIN. Please help me get this and in an expedited manner. Thank you.
09/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 196XX	Web
On XX/XX/2021 XXXX XXXX report shows incorrect information. Lists a bank account with Routing # XXXX acct # XXXX I have no know of this account. The address listed on XX/XX/2021 is incorrect, along with my email address listed, name and phone number. My chex system report shows on the same day XX/XX/2021 a hard inquiry from American web loan With the same incorrect information listed on my XXXX XXXX. I believe my identity has been compromised. I have been denied over and over again for bank accounts, credit cards, car loans, Im paying a higher premium for car insurance and finally getting a car loan thru a buy here pay here dealership my interest rate is 19 %
02/04/2021	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	NE 681XX	Web
Identity Theft 14 Fraudkent Addresses 2 THEFT REPORTS FOR BOUNCED CHECKS FRAUDULENT ADDRESSES MULTIPLE SS NUMBERS ON CONSUMER REPORTS FILED DISPUTES AND VERIFIED ALL ACCOUNTS ON MY CONSUMER REPORTS. Chexsystems HOWEVER IS BEING DIFFICULT. THEY WILL NOT UPDATE MY REPORT. THIS PROCESS STARTED ON XX/XX/2020. I HAVE BEEN STRUGGLING FOR 27 months with homelessness. I just got my credit to where I could get an apartment because of the damage they did to my reports. I need assistance with getting my report updated. I have filed all reports and notices. I have submitted all proof. The proof I am submitting today to you is minimal from what I have. Thank you XXXX
01/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76105	Web
XXXX XXXX XXXX XXXX has placed derogatory information on my credit bureau regarding an account belonging to my father XXXX XXXX XXXX. My name is XXXX XXXX XXXX XXXX and I have never opened an account or had an account with XXXX XXXX XXXX XXXX. They continue to report this account negatively in my credit file and Chex Systems. I have disputed this twice yet they keep it on. I am once again disputing this item under Section 609 of The Fair Credit Reporting Act which requires specific information to be supplied or the item must be deleted. To date BOTH Chex Systems and XXXX XXXX XXXX XXXX have failed to comply with my requests. Please enforce section 609 FCRA
08/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 932XX	Web
Yes I'm making this statement due to the fact that I don't know how I ended up in check system and getting a negative consumer report under my name when XXXX XXXX account is supposed to be that were opened in loans that were opened in my name were done fraudulently because during that time I was in jail so I was unable to do anything and I had documentation to prove that I was in jail during that time period so is there any possible way to fight this or take This negative consumer report about me off check system completely so I could be able to open up a bank account in my name because so far I can't even do that is there any way I can get help with that.
08/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Investigation took more than 30 days	MI XXXXX	Web	Servicemember
After numerous attempts to rectify this fraudulent situation, Chex System, simply ignored and never tended to my matter. Every time ( 4 times ) I have written and mailed in my discrepancy, I was denied information because I didn't have a PIN number, which was never given to me. I have had this fraudulent report on my account for months without any help or investigation for months. THEY HAVE BEEN IRRESPONSIBLE AND NEGLIGENT WHEN HANDLING MY CASE. i have submitted all documentation and proof that this is fraud ( police reports, affidavits, etc ) but to no avail. The police even have a suspect and this still want enough for Chex Systems. This is disheartening.
05/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95835	Web
XXXX is reporting fraudulent information on my credit file. XXXX is reporting bank accounts from XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. All of these accounts are not mine and some have a negative balance. XXXX is also reporting names that I have never gone by and associating me with different last names of other people that have similar birthdays as mines. XXXX is also reporting addresses that I never lived at. I believe XXXX has compromise my credit file with anothers persons that have similar information as mine. Ive made several dispute with them however they continue to keep the fraudulent accounts on my XXXX file.
10/18/2016	Yes	Other financial service Check cashing	Customer service/Customer relations	CA 92262	Web
I went to cash my payroll check at XXXX and it was declined they said because of what was reported by Certegy Check Services. I contacted Certegy and got a report the report only states the transaction fell out of the guidelines when I called them to get more clarification they said they use a system and because of that system my check was an at risk check, but they could not give me any specific guidelines as to why. XXXX should not be using a company that will decline people payroll checks because of some system they use that will not disclose why. That company should not reporting anything if they can not disclose specifics that is unfair and unethical.
07/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
The following credit inquiries listed on my Chex Systems Consumer Report ID:XXXX, are all fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX XXXX , XX/XX/2021, XXXX XXXX XXXX XXXX XXXX , XX/XX/2021, XXXX XXXX XXXX XXXX XXXX , XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX , XX/XX/2021, XXXX XXXX , XX/XX/2021, XXXX XXXX , XX/XX/2021, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX , XX/XX/2021, XXXX XXXX XXXX XXXX , XX/XX/2021 , XXXX XXXX XXXX, XX/XX/2021 , XXXX XXXX, XX/XX/2021 , XXXX XXXX XXXX, XX/XX/2021 , XXXX XXXX, XX/XX/2021 , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX ,
07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11204	Web
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
11/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IA 526XX	Web
The ACCOUNT ABUSE REPORTED BY XXXX XXXX ON MY CONSUMER REPORT IS THE OVERDRAFTS FRAUDULENTLY CHARGED TO MY DEBIT CARD ACCOUNT. I DID NOT HAVE SUFFICIENT FUNDS TO PRICES INSTRUCTED TRANSACTIONS. XXXX XXXX ALLOWED PROCESSING AND THEN CHARGED {$30.00} IN OVERDRAFTS FOR THE NEXT 4 MONTHS. I FILLED REPEATED COMPLAINTS, DISPUTES, AND FRAUD REPORTS. AND STILL XXXX XXXX LABELED THE {$130.00} AS " CHARGEBACKS '' AFTER REVERSING CHARGES FOR CONSUMER RESOLUTION AND THEN REPROCESSING SAME INSTRUCTION TRANSACTIONS ON AN ACCOUNT THAT HAD INSUFFICIENT FUNDS. AND THIS Fraudulent unfair REPORT IS PREVENTING MY ABOUT TO OPEN BANK ACCOUNTS AND CASH CHECKS ISSUED TO ME
03/18/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 398XX	Web
A company by the name of Complete Payment Recovery Services , INC sent me a letter saying I owe for a return check and a fee. The address of the company is from XXXX XXXX XXXX XXXXXXXX XXXX XXXX and it has a return to address which is Complete Payment Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX and the phone number is ( XXXX ) XXXX. They are asking for my banking information to collect a debt and it has a control number of XXXX. I called the company they are trying to pretend to be which is XXXX. The mail is trying to pretend to be from XXXX XXXX XXXX XXXX XXXX I called XXXX XXXX and they said it was a false information mailed to me.
02/25/2021	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	TX 78242	Web
Hey my names XXXX XXXX im a victim of identity theft and is unaware where my financial stability became very low and I've tried over and over on clear all inquiries debt collections and checking accounts including my names been red flagged for non sufficient funds and unauthorized payments i tried my best to avoid these issues im in a unfortunate situation and would like to clear my slate with all the inquiries bank account openings bounced checks and chexsystems blacklisting including XXXX and XXXX XXXX XXXX please help with this predicament and if u can investigate and need further assistance please contact me I appreciate it thank you and God bless.
03/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	FL 33411	Web	Servicemember
I contacted XXXX XXXX and chexsystems about an account that was charged off on XX/XX/2011. It is explicitly stated that each report submitted to ChexSystems remains on our files for five years, unless the bank or credit union that filed the report requests its removal or ChexSystems becomes obligated to remove it under applicable law. With that said, its been 7 years and I have spoken with XXXX XXXX and the Chexsystem and they each continue to tell me to speak with the other party. This has caused me to not receive employment, be denied from loans and its me and my wife from purchasing our new home. Please remove this account from my ChexSystem report.
02/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	GA 30318	Web
In accordance with the Fair Credit Reporting act XXXX {$570.00}, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I HAVE NOT PROVIDED chexsystems written permission to furnish information on my consumer report therefore chexsystems is in violation of federal law under 15 U.S.C 1681 Section 604 A Section 2. Failure to remove the information from my consumer report will result in legal action. Remove the information from my consumer report immediately or face legal action.
01/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75115	Web
On three different occasions, i.e., XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, wrote checks in the amounts of {$100.00}, {$51.00}, and {$100.00}, respectively, and Certegy denied my checks that I wrote to XXXX 's XXXX XXXX. The only reason Certegy denied my checks was because the check number was too high. I explained to the customer service representative that I had been with XXXX XXXX for 38 year, talked with a bank officer and was told XXXX had no holds or outstanding checks on my account The customer service representative said Certegy used a formula to determine when checks will be approved or denied and based on that formula, my checks were denied.
07/17/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 75154	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX has fraudulently reported information to Chexsystems under account number XXXX. XXXX XXXX from XXXX XXXX knows there is a dispute in progress via a legal proceeding pending and he reported this to Chexsystems anyway. I am requesting that Chexsystems call XXXX XXXX at XXXX and ask him if there is a legal pending dispute regarding this account. When XXXX XXXX tells you yes, I am requesting Chexsystems remove this derogatory information from my file immediately. Sincerely XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX phone XXXX last four of social for XXXX XXXX is XXXX and last four of social for XXXX XXXX is XXXX.
12/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 339XX	Web
its accounts being reported on my Chex system and XXXX XXXX report that's not mine due to Identity theft and fraud some even have inaccurate addresses XXXX XXXX XXXX XXXX XXXX XXXX Florida I never lived there and when I went to locate the Adress it's an empty home. Also XXXX XXXX XXXX XXXX XXXX XXXX Fla XXXX never lived there and I never lived in XXXX XXXX XXXX XXXX XXXX Fl XXXX. My wife and I XXXX XXXX were victims of Identity theft and a lot of accounts been opened in Our name some XXXX and XXXX XXXX, XXXX, XXXX XXXX and also Inquiries. Please assist us in getting these issues resolved. This is Our Final step before filing a suit in Federal Court.
07/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	AL 357XX	Web
ChexSystems This company denied my opening an account without explanation. I downloaded a copy of my report and there is nothing at all derogatory on the report. It is clean. However, they provide no explanation for the denial whatsoever. All their phone numbers are automated systems with no way to reach an actual person to get this resolved. The bank with which I was applying for an account, XXXX XXXX, stated that they can not help and that they do not know why my application was rejected. Online searches indicate that ChexSystems has a history of providing misinformation, and also a history of ignoring disputes, which under the FCRA is illegal.
07/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 02301	Web
ChexSystem continue to report and unauthorized inquiry from XXXX XXXX XXXX that I didnt apply for and didnt authorize XXXX XXXX XXXX or any other company to pull my consumer report. This inquiry is unauthorized and fraudulent. Chexsystem is violating my federally protected consumer rights by continuing to report this fraudulent and unauthorized inquiry after I have explained why this inquiry is fraudulent and unauthorized. The company doesnt have a contact number on the report so I couldnt contact them via phone. This inquiry that is being reported by Chexsystem is totally fraudulent and unauthorized and violate my consumer rights under the FCRA.
06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	LA 70118	Web
I, XXXX XXXX XXXX, never gave ChexSystem any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account :
11/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	GA 310XX	Web
Chexsystems has placed a freeze on my credit report without my permission. After several phone calls including being disconnected while being transferred I've been unable to resolve this issue without someone mailing me a pin # for an account I don't have. This will have an adverse monetary effect on my business. Why is a consumer report company have have me speaking to someone in the XXXX XXXX? Why can they not get this fixed via phone with all the proper information that I provided? How do I block them from having access to my personal information moving forward? If I do indeed loss revenue against my company who do I contact for reimbursement?
08/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	PA 17110	Web
ChexSystems has caused Financial Deformation by reporting inaccurate information. ChexSystems has provided one report dated XX/XX/XXXX stating the Source of reported information is from XXXX XXXX XXXX Missouri XXXX. XXXX XXXX, XXXX XXXX MO XXXX and in another report dated XX/XX/XXXX has changed the Source of reported information to XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, FL XXXX. Both reports have the same account number and Paid if full as closure Status, but the reports show two different reporting dates. I spoke with employees XXXX XXXX and XXXX XXXX to fix this issue and correct the in accurate report but they refused to. My report id is XXXX.
07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MN 559XX	Web
I have been incarcerated for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the above inquiries is unauthorized and should be disputed from my ChexSystem Report and all 3 Credit Bureaus XXXX XXXX And XXXX Under the laws of the ( FCRA ) ( 15 USC 1681-1681u ) these unauthorized inquiries and accounts must be removed please
12/20/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	NJ 08854	Web
These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATE
08/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 90024	Web
ALL BELOW ADDRESSES WERE TOLD TO BE REMOVED AND ARE NOT MINE AND NEVER HAVE BEEN. CHEXYSTEMS has been INTENTIONALLY DENYING THE REMOVAL OF THESE ADDRESSES phone numbers and names. NAMES TO REMOVE : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; ADDRESSES TO REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PHONE to REMOVE Phone Numbers : XXXX ; XXXX
09/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	AZ 85248	Web	Servicemember
XXXX XXXX XXXX reported fraud to my report on chexsystems a few yrs ago. When I found out last summer XX/XX/XXXX I called XXXX and they stated that they never reported i had fraud and that my account I had with them was closed because it had a negative balance. I then contacted chexsystems to remove the fraud report and they said they would investigate. 30 days later i recieved a mailer stating they needed more time and I have not heard from them since. The night of XX/XX/XXXX I tried to open a debit account with XXXX XXXX and I was denied because of fraud with Chexsystems. So they obviously never investigated nor removed the fraud defamation.
07/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 98106	Web
I have attached a full explanation and provided necessary documentation. The bottom line is the main issue for all consumers according to statistics and great record keeping by the CFPB, they errors on our credit reports are coming from the credit reporting agencies that are furnishing our reports. Feedback : only hire people in this very important position that truly have a XXXX to serve the community. Banks pay these agencies for negative data so they can then charge the consumer with bad credit more interest which is flat out predatory. Please include XXXX and XXXX in this complaint requesting full investigation of their employees as well.
05/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 125XX	Web
I tried to open an account with my local credit union and was told that I'm in the chexsystems, I pulled my chexsystem report and it shows that XXXX XXXX if reporting a debt owed to a checking account, I never applied for a santander checking account, I don't have a XXXX XXXX in my area, the closest XXXX XXXX near me is more than XXXX miles away, I need validation of the debt, I need the XXXX contract showing my signature and I need proof that this account was opened by me XXXX XXXX, I am a victim of identity theft and this account was opened under fraudulent pretense. remove this account from my chexsysttem report or I will file a suit.
08/16/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	TX 78746	Web	Older American
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. The account I am disputing is : XXXX Acct : XXXX Reported For : Transactions involving items or checks returned as uncollectable
09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 183XX	Web
I ordered a my ChexSystems report and noticed a unauthorized hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/2023. Prior to applying for a checking / savings account with XXXX XXXX XXXX XXXX, I called and spoke to a representative and I was informed that a soft inquiry would be ran. I explained that I wanted to verify before applying because I don't want any hard inquires ran. I was reassured that it would not be hard. I was shocked when I viewed my ChexSystems report to see that it was a hard inquiry. A complaint was submitted to NCUA and XXXX 's VP responded indicating that the inquiry was soft and it was indeed hard ( viewed by others )
07/02/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	GA 30152	Web
I submitted the appropriate paper work on XXXX to close my credit card processing account effective XXXX due to the closing of my business. I also asked how to return the equipment/ supplies. I have made numerous calls to customer service, each time given a case number and a promise of a resolution, to no avail. They keep referring me to someone named XXXX XXXX XXXX. He will not return numerous calls/ texts. The account is still not closed over three months later and no one will tell me how to return the equipment. What should be a simple process has become beyond frustrating. What a terrible way to do business. XXXX case # XXXX and # XXXX
05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	AZ 85260	Web
XXXX XXXX XXXX have wrongly reported a write off negative balance of XXXX dollars for a dispute being raised for a debit card purchase. Despite of reaching XXXX via XXXX complains and also to correct wrong XXXX XXXX report XXXX is asking to pay that XXXX dollars despite of non receiving of the product and are not willing to sort this despite of multiple conversations and follow ups. And to make it even more worse XXXX has not even furnished a detailed investigation report of on what grounds the credits for the dispute were reverted back. So this needs to be escalated and would like to give XXXX last chance to XXXX to sort this out. Lets see
10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	MN 55343	Web
I want Chex Systems, XXXX XXXX XXXX and XXXX to add and report the following personal information on my Chex Systems, XXXX XXXX XXXX and XXXX XXXX file and consumer report : Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX, Minnesota State ID Card Number : XXXX, Issued Date : XX/XX/XXXX, Expiration Date : XX/XX/XXXX, Home Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, Cell Phone Number : ( XXXX ) XXXX, Employer : XXXX XXXX , Employer Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX, Employer Phone Number : ( XXXX ) XXXX, Employer Start Date : XX/XX/XXXX, Employer End Date : Present, Annual Income : {$85000.00} to {$150000.00}
07/13/2023	Yes	Checking or savings account Savings account	Closing an account Funds not received from closed account	WA 989XX	Web
I have problems with a company named CHEX SYSTEMS INC. Since they are reporting a checking account on my XXXX credit report. Which is affecting me too much since when I apply for credit cards they don't approve them even though I have a good credit history. I talked to transunion but unfortunately they still haven't been able to solve the problem. Since this account is reflected in the third party supplementary information part, I demand that it be IMMEDIATELY REMOVED FROM MY XXXX CREDIT REPORT. Since this account does not belong to me and they are making me FRAUD. Because I only have 3 checking accounts and I currently have them active.
02/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL XXXXX	Web
CHEXSYSTEMS,, I do not have a contract with them and no obligation to perform, they have no proof of anything and are rico-racketeering criminals, they are reporting deformatory information on me and for what reason,? have i ever received a bill? from who?, who ever sent me a varified complaint of a wrong doing? dont send me your statements, a statement doesnt prove anything, and who you are and what you do is no concern of mine unless theres a contract, so what the XXXX are these criminals doing? why theyre in the business of EXTORTION and trickery and word semantics, they are CRIMINALS, so what wrong have i done to them? show it to me
01/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Problem canceling credit monitoring or identify theft protection service	FL XXXXX	Web	Servicemember
Chex system fraudulent report on my behalf to a name or similar to my name as XXXX used my profile as victim if fraud. I sent them reports form XX/XX/XXXX. XX/XX/XXXX and newer and they keep marked my social as a problem with Certain banks. I never banks with XXXX XXXX or XXXX XXXX or XXXX XXXX. And many other institutions they spotted my name they should remove my alert and any other info they leaking regard me on how social ending XXXX Or they will leave me no choice to take them to a court as I did with XXXX and XXXX reporting they paid me enough from false information, they obliged to clean my name after few times submitted dispute!
10/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 336XX	Web
I have been trying to correct ChexSystems experience etc. for two years now. I was notified by experience that I was on the dark web and that my identity has been compromised my Social Security number had been compromised I just received another notice of that on or about XX/XX/XXXX. I contacted them about them giving me extra security on my account I think freezes on my account I put alerts on my account nothing has been done by XXXX or any of the other credit reporting agencies theres like 30 inquiries that I did not do that is ruining my credit theres charges on there that I havent done and Ive disputed them again everything I can do.
09/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	FL 34787	Web
I have been trying to get a hold of someone in XXXX for 3 weeks. I was denied opening a checking account because of the information on this report. The bank would not share the information with me. And told I needed to go to XXXX to get the report. I requested a copy of my report and have not received one. I have called and can not get a hold of anyone and left a voice message. There is no way to reach a live person or get a follow up about a request for a copy of my consumer report. It's difficult to know what the issue is or fix an issue if I don't receive the consumer report to find out what the problem is. What are my options?
04/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NE 681XX	Web
Chex system has violated me yet again with their last response as well. I am still suffering financial injury and my reputation has been completely destroyed by Chex system especially during these unfortunate times of this Pandemic. I am seeking remedy and have attached my request inside this complaint. The Fair Credit Reporting Act was designed to protect me as a consumer against unfair practices of credit reporting agencies such as Chex Systems. Who have continually violated me by privacy breach as well as reporting consumer transactions and experiences that the FCRA specifically stated are NOT to be furnished on my consumer report.
09/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 31324	Web
My identity was stolen me and my family of XXXX will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX CLOSURE DATE XX/XX/XXXX XXXX XXXX XXXX CLOSURE DATE XX/XX/XXXX XXXX XXXX XXXX CLOSURE DATE XX/XX/XXXX MY SSN XXXX DOB XX/XX/XXXX
09/13/2022	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	TN 381XX	Web
Complete Payment Recovery Services , Inc XXXX XXXX XXXX XXXX XXXX XXXX This is a debt collection agency of whom are collecting on a debt for XXXX XXXX I was contacted about a check for {$530.00} that I cash through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was notified the check was returned by the collection agency. The payroll check was cleared through pay pal, but XXXXXXXX XXXX sends me a debt for the amount of my check {$530.00}. My check was cleared by me cashing it and writing void on my payroll. Complete Payment recovery claims that I owe for the full amount above but, the payroll check was cleared through XXXX XXXX
05/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CO XXXXX	Web	Servicemember
XXXX XXXX XXXX reported to XXXX that I was suspected of fraud and closure status unpaid. I never had an account in fact, I tried to open an account and was denied. The bank refunded my XXXX $ deposit and cashed it at XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. This is by far the worst thing anyone could have on there account. Since emailing the CEO of XXXX XXXX XXXX XXXX XXXXf customer relations has tried to tell me to stop the dispute and they would remove what is on my credit report. I pay high interest on my car payment and insurance currently. please help me resolve this is by far the worst thing anyone could go through.
02/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	MD 20747	Web
A creditor retaliated after I filed a dispute with all three credit bureaus. On XX/XX/2018 an unauthorized 3rd party accessed by consumer report which which led to a denial based on key factors disclosed on my personal consumer file seen by ChexSystems, Inc. I pulled my credit files and discovered another derogatory error for 3rd parties to see updated by Creditor. I was unable to dispute matter. Items reported by XXXX affects my security clearance. My consumer reports has a security freeze and fraud alert. Adverse action taken by XXXX XXXX XXXX XXXX XXXX XXXX allege my consumer scoring was pulled by ChexSystems, Inc via email
08/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MN 55408	Web	Servicemember
I am not able to open up a checking account. I have went to several different banks to open up a checking account and my request was denied due to adverse and negative information on my Chex Systems Consumer Report ID : XXXX, I have sent numerous complaints to CFPB in regards to Chex System reporting inaccurate information on my consumer report. Chex Systems has responded to me informing theres nothing adverse reporting on my consumer report, yet Im steady being denied to open up a checking account due to adverse information on my consumer report. I feel Chex Systems is using discriminatory practices against me which is unlawful.
02/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AZ 85308	Web
XXXX is reporting out that never paid for a check in the amount close to {$340.00}?? to XXXX XXXX. I requested my consumer report and it lists no information found. The only reason I found out about the information is while opening another account my bank shared the information. I do believe it is from when I had a vehicle loan with XXXX XXXX over 4 years ago. A check may have been returned at one point, however, it was immediately paid when the issue occurred. Therefore, there is no reason it should be reported as bad debt. I then refinanced that loan with my current bank and it would have been paid when the refinance occurred.
04/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NY 10306	Web	Older American
Someone applied and obtained a loan from XXXX XXXX XXXX XXXX, loan was never repaid, my name and social security number was used with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, I have never lived in XXXX XXXXXXXX nor have been a member of any union. This loan was obtained under fraudulent pretense. Therefore XXXX XXXX reported me to Chex Systems on XX/XX/2021, my legitimate address at that time was and still is XXXX XXXX XXXX, XXXX, XXXX XXXX, and prior to that it was XXXX XXXX XXXX XXXX, XXXX. XXXX for about 10 years. I need guidance on how to proceed to have to have this negative report cleaned.
10/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30047	Web
I applied for an account with XXXX XXXX XXXX XXXX and will be denied if I'm unable to have this information from Chex Systems. I was told there was account reported on Chex Systems with my name, address but the wrong social security number. This account was reported by XXXX XXXX XXXX for suspected fraud. I have been unable to get in contact with XXXX XXXX XXXX because the phone system doesn't allow you to speak with Customer Service without a valid account number or social security number. I also tried to contact a local XXXX XXXX XXXX with no response. I submitted a dispute with Chex Systems and I am waiting for a response.
04/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32177	Web
XXXX XXXX XXXX XXXX or XXXX XXXX is commiting crimes and causing people not to have bank accounts to live their lifes. they have misleeding info on people credit files and banks turn away good people. i XXXX XXXX XXXX am one of the people they are trying to hurt with their lies. i did not give any athuasashon to have my name in their system and if i did i was not aware of it i revoke my name and my social in their system and they must remove me from the sytem or i will seek legal console. an in turn another compney that is going to halfto purge my account its chexsystems they must purge my account or legal action may take place
08/16/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	TX 78746	Web
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. The accounts I am disputing are : XXXX XXXX XXXX Acct : XXXX XXXX XXXX Bank Acct : XXXX XXXX XXXX Bank Acct : XXXX
11/03/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	FL 34639	Web
I have disputed numerous times with chexsystems that the inquires listed are fraudulent and I didnt authorize them. They keep saying some are accurate but yet when I ask for documentation they just say my dispute is frivolous. There are 7 inquires from XXXXXXXX XXXX XXXXXXXX XXXX. I only had ONE account with them years ago. It only takes one inquiry to open an account not 7! The other ones need to be removed. Also there are several others listed but the names and address listed under the inquires are not mine nor have I lived at the addresses provided! I feel like they are not taking this serious and discriminating against me.
08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85042	Web
Identity theft occurred in another state that I have never been to in my entire life. My items were stolen and because I did not use my bank card for a while, i didnt notice it was missing until I received fraudulent charges. I informed XXXX XXXX XXXX of this but an unproductive investigation was conducted. No one compared signatures and it is my sworn oath this is stolen identity which has happen before in XXXX i filed with internal revenue services for stolen identity. My credit reports are on alert for fraud and IRS has been on alert for stolen identity for years. This situation with XXXX XXXX XXXX is stolen identity!!!!
09/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48310	Web
This complaint is in reference to previous file complaint # XXXX. Submitted by me to ChexSystems on XX/XX/2023. My request Is simply Method Verification. One in which ChexSystems refuse to answer. 1. The Date ChexSystems contacted the XXXX XXXX XXXX. 2. The contact information for the Creditor. 3. The name of the person who verified the items to ChexSystems from XXXX XXXX. 4. The method of Communication ChexSystems used to verify the information. 5. Did the creditor provide ChexSystems with my Social Security Number, address and Date of Birth. 6. What are the proof documents from the creditor to support their claim.
07/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60517	Web
A checking account that was supposed to be closed, was not closed. As a result, I was charged fees for account maintenance. The monthly fee took the account into an overdraft status. The account was charged off. When I later went to open an account with the same bank, I was advised that I had a delinquent account. The management reversed fees. I agreed to pay half. They agreed to remove the reporting from ChexSystems consumer report. It also should be noted that the account was reported twice on my ChexSystems as well. So not only should the account not have been reported at all, but it should not have been reported twice.
06/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MI 481XX	Web
I applied for a new membership at XXXX ( a local credit union ). I was told that my application was denied because of information that Chex Systems provided. I requested a report from Chex Systems but the report showed no negative activity. I am unable to reach anyone at Chex Systems to verify what negative information they are providing to the banks that I have applied at. There is nobody that answers the phone or any email to obtain service. When I called to verify the issue at XXXX, they told me they can not tell me what negative information Chex Systems provided them in order to deny my application for a new account.
02/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23238	Web
An account with XXXXXXXX XXXX opened in my name. XXXX even banked with any bank but XXXX XXXX and XXXX XXXX XXXX! Address that was used was my grandmothers address and I know its not mines because my grandmother passed away years before the closure date, the home was sold to someone else back in XXXX. I havent lived at XXXX XXXX XXXX XXXX VaXXXX XXXX since the age of XXXX and I am XXXX years old today. The closure of the account status date was XX/XX/XXXX. Charge off amount is {$590.00}. I would like this information removed because I didnt open account of added or remove funds, I am not responsible for this amount at all.
09/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55408	Web	Servicemember
I reviewed my Chex Systems Consumer Report ID : XXXX and there are numerous credit inquiries listed on my consumer report. All of the credit inquiries are fraudulent and unauthorized except one from XXXX XXXX, the rest of the credit inquiries listed on my Chex Systems Consumer Report are all fraudulent, unauthorized and not my credit inquiries. There should only be 1 credit inquiry on my consumer report, and thats XXXX XXXX. Furthermore, the negative checking account from XXXX XXXX and XXXX is a fraudulent account and not my account. I am a victim of identity theft and has a current police report on file with Chex Systems.
01/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33056	Web
To whom it may concern : I am writing this message in regards to an unknown acccount that appears on my credit and I have no clue where the account came from. I am unaware of the account and it is an error that you are reporting. It has cause me distress and embarrassment. I have sent several certified letters over to your company, called in and nothing was resolved. It has bought me great pain and discomfort. All I have left to do is take legal actions against your company and file a law suit at XXXX XXXX County Court House. I am allowing 72 hours and patiently waiting on your response. Please look at the attachment below.
05/27/2016	Yes	Credit reporting	Incorrect information on credit report Account terms	MA 02130	Web
ChexSystems has n't contacted the Bank nor investigated this matter as they argued on dispute XXXX. On their resolution they said " disputed information has been verified to be accurate '' If you see the dates of this complaint and the attached XXXX XXXX letters dated XX/XX/XXXX and XX/XX/XXXX, confirming the account was settled in full in XX/XX/XXXX and stating that XXXX XXXX requested ChexSystems to update the account accordingly both entities are in non compliance of the FCRA. The issues in dispute are the account terms, status, the obligation to provide accurate information, the obligation to update it on timely manner.
12/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55408	Web	Servicemember
Attached to this complaint is a police report from the XXXX Police Department in regards to fraudulent and unauthorized checking accounts and credit inquiries listed on my Chex Systems Consumer Report. The following checking accounts was open fraudulently, are fraudulent checking accounts and not my accounts : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX. All of the credit inquiries listed on my Chex Systems Consumer Report is fraudulent and unauthorized.
08/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	NJ 075XX	Web
I am been a victim of identity theft. I have been a victim of this terrible issue which caused XXXX XXXX to close down my account and force Checksystem to put fraud alert on my account meaning I can not get any checkings account with any other bank. I am putting a claim in against checksystem because I want checksystem along with consumer financial protection Bureau along to find my innocence behind this identity theft matter. I am willing to help yyou guys fully investigate to also find my innocence. This issue have held me back in recent days. Please work with me to find my innocence against the identity theft crime.
03/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43227	Web
ON OR AROUND XX/XX/XXXX THERE WAS SEVERAL UNAUTHORIZED CHARGES MADE TO MY BUSINESS ACCOUNT FOR UNKNOWN FEES TO MY XXXX XXXX XXXX BUSINESS ACCOUNT. I HAD ONE CHARGE FOR {$300.00}, {$350.00} {$450.00}. I WAS NEVER INFORMED THAT THESE CHARGES TO MY BUSINESS ACCOUNT MADE. I NEVER GAVE CONSENT OR PERMISSION. THE IS FRAUD AND I WANTED TO REPORT IF. IT WAS BROUGHT TO MY ATTENTION 3 WEEKS AGO WHEN I WENT TO MY XXXX XXXX ACCOUNT TO MAKE A DEPOSIT AND DISCOVERED MY ACCOUNT WAS OVER-DRAFTED. I DID DISPUTE THE CHARGES WITH MY BANK AND I CONTACTED THE OFFICE TO MAKE A COMPLAINT OVER THE PHONE XXXX XXXX XXXX at, XXXX, XXXX, OH XXXX.
08/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77396	Web	Servicemember
Ive contacted XXXX Chex systems sent all identifying documents over 5 times EXPLAINED IN CLEAR LANGUAGE WHAT IM DISPUTING ETC AND NOTHING WAS NEVER DELETED THIS WAS OVER 3 months ago by law they have 30 days it was well over that time frame I keep checking my report they have the same fraudulent items & inquiries on there even after I sent my police report theft affidavit etc I specifically itemized and circled the items that need to be removed including fraudulent inquiries this is unacceptable Chex systems have me flagged so I cant open a basic checking account they need to remove that ASAP or Ill keep complaining
04/23/2015	Yes	Other financial service Check cashing	Customer service/Customer relations	SC 29445	Web
Certegy XXXX XXXX has a file of my name and an account with a business that I have been informing them since XX/XX/XXXX that account was under fraud and not mine but still they did nothing to resolve this but hold this account to my name and lowered my credit score each month for an account that is not mine. I contacted them today XXXX they now state I owe XXXX and they are charging me XXXX for check return fee, the account was found to to now be mine from the start, so why have they not removed this account and so I am asking for help on having this removed they have taken from my credit score for over 7 years now.
06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30350	Web
Greetings, Chex Systems I recently had trouble obtaining an account with a financial institution, so I checked my Chex Systems report and saw that I had some false and unfavorable information that would have resulted to my application being rejected. I don't recognize the reporting information, therefore please look into it and delete these accounts and queries from my consumer file. As a consumer reporting agency, it is your responsibility to ensure that all information is reported accurately and to omit false information that can not be verified. Investigate and update the information below, if necessary. Thanks.
11/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 926XX	Web
In XXXX and XXXX 2016 my bank account was hacked into a card was cloned and while in XXXX XXXX money was taken from ATMs across this XXXX XXXX area. XXXX XXXX took more than 92 days to investigate the issue in the into room since it is driven my account negative and caused widespread late payments and current bills affecting my credit they then reported me to ChexSystems even though I was a documented victim of fraud for account abuse. That inaccurate and irresponsible reporting of the debt owed to XXXX XXXX which was then later decided to be fraud in my favor its kept me from being able to do any normal banking.
12/01/2016	Yes	Other financial service Check cashing	Disclosures	FL 34266	Web
Centegy has on multipal occasions denied my payroll checks from being cashed from many different companys. my payroll checks have been denied over and over again on every pay period. I believe in being profiled for some reason I do not know. I have call to find out the reason why and was told that it was an algorithm that denied it and that the company has no control over it. also stated was that only 1 % to 2.5 % of the millions of checks cashed daily get declined. all of the payroll checks gone through there services recently have been declined. I have never wrote a personal. Check so why is this happening to me.
02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	FL 33461	Web
I constantly continue to request that all accounts and inquiries on my consumer report is incorrect and the result of identity theft but each time I submit a dispute they send me a letter literally the NEXT day saying they " verified '' it when I said the account was NEVER mine. I keep submitting the same dispute saying the same thing and they keep leaving it on there. I just want it all removed from the consumer reports. I am tired of being inconvenienced by other banks and being unable to open my own account because of someone else using my information to open fraudulent accounts and apply for things in my name.
05/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web	Servicemember
My Consumer ID number is XXXX. I recently received a consumer report of my ChexSystems file and discovered that there is an address on there that is not relating to me and never related to me and ChexSystems is refusing to help assist in the removal of this address. The address that needs to be removed is XXXX. XXXX XXXX XXXX XXXX XXXX. FL XXXX. I have mailed off my identifications to ChexSystems with supporting documents that back this address does not belong to me. I don't know which method of verification that they were using or where they got this address from but it needs to be removed. XXXX XXXX SSN # XXXX
08/03/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	FL 349XX	Web
I have XXXX XXXX XXXX reporting me to the ChexSystems due to Suspected Fraud Activity. They have closed my bank account and took over XXXX dollars in fees that I was unaware of. I have requested an amount owed to this bank or a detailed reason and list of references of this matter with my signature so that I can resolve it and have this reporting deleted. I am unable to open another bank account due to this reporting on ChexSystems. I have a XXXX balance with them and still have not been given any documents pertaining to the reason or evidence of why my bank account was closed and the reporting me to this company.
12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
There are over 30 inquiries viewed by others currently listed on my Chex Systems Consumer report ID : XXXX that Chex Systems informed me that they deleted and removed from my Chex Systems Consumer Report on XX/XX/2023. Review Consumer Financial Protection Bureau ( CFPB ) Complaint : XXXX. There are over 30 inquiries currently listed and showing on my Chex Systems consumer report that are all fraudulent, unauthorized and not my inquiries. I have never had any checking account abuse or owed any money for a closed checking account. I want Chex Systems to immediately mail me a copy of my Chex Systems Consumer Report.
12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 850XX	Web
I haverepeatly denied credit accounts due to information they pull from the three major credit bureau illegally. Under privacy act they dont have scores or have wrong information on my reports and will not provide the evidence of such debts experience has no score and debts not mine has for years equivalent I can not access and they charge to do so identity theft and they do not provide protection they advertise false advertising. When dispute they have the bank or debts investigate the dispute and it never gets corrected major fraudelent schemes third party verification illegally unauthorized coming from Arizona
02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	NY 10458	Web
Chexsystems furnished an inquiry without my written authorization, I stated in the first compliant if Chex systems can not provide documentation of me giving written authorization for this inquiry to be furnished then they must delete/ remove from my report. Check systems instead wants to put the inquiry in inquires only viewed by me, and that it will no longer be in viewed by others. Chex systems violated my privacy rights and broke the FRCA law of permissible purpose. And now Chex systems is even breaking the law even more not following my demands that I want the inquiry to be deleted/ removed from report.
04/05/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	VA 22101	Web
Identity theft. Someone opened up XXXX XXXX XXXX online XXXX using my name, social security # and fraudulent home address on XXXX/XXXX/2016. My ID XXXX notified me of issue and I called XXXX XXXX to notify on XXXX/XXXX/2016. XXXX XXXX closed account on XXXX/XXXX/2016 but has refused to send letter to me detailing fraud. Report from Chex systems lists incorrect address in XXXX Tx ( Fraud ) and incorrect consumer inquiry. Chex Systems states that they can not remove the incorrect information unless XXXX XXXX contacts them and notifies them of fraud activity and instructs them to remove. XXXX XXXX refuses to do so.
11/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	MN 558XX	Web	Servicemember
I recently tried to cash my paycheck at XXXX like ive done every payday for several years now. This time however certegy would n't let me cash it. I called them and they said there is a bounced check from XX/XX/XXXX at holiday a check to XXXX XXXX from XX/XX/XXXX and 2 checks from XXXX in XX/XX/XXXX. These were never on my report until recently had ive never had an issue cashing my paychecks before. I didnt write any of these checks so I dispute them. However they said it will be 30 days until anything is removed and in the meantime I ca n't cash any of paychecks and ca n't pay my bills. Because they messed up
10/22/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OH 43232	Web
This Cashier Check was stolen from the U.S. mail .., The company never got this payment so I stop the payment on it I stop payment on this cashier check and now this company that stolen the check from U.S mail are calling me and want the amount on the check paid to them., they are calling every day till I pay them WHAT THEY WANT {$70.00}. They tried to cash this check that never made it to the company I was paying the bill too? They now say I own THEM DOUBLE {$140.00} this cashier check was lost in the mail and reported in XX/XX/XXXX! I stop the payment They are trying to collect on this check in XX/XX/XXXX?
04/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80921	Web	Servicemember
I closed my bank account in mid XXXX. On XX/XX/XXXX, one my checks was used to be cashed for cash. This account was never even presented the check at my bank, XXXX. They immediately gave the person the cash and then didn't even contact me and sent me to collections- Complete XXXX XXXX, XXXX XXXX It hadn't even been 2 weeks and they sent me to collections. Then I found out that XXXX XXXX XXXX said I wrote a check at XXXX? They told me it would go on my credit report if I didn't pay {$68.00} immediately. After much research, I realize I have been swindled and I am reporting XXXX XXXX XXXX, XXXX. https : XXXX
10/28/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CA 94582	Web
I opened an account XXXX XXXX and due to inactivity and Bank charges, my account was overdrawn. I did not realize until it was reported to ChexSystems. I have made payment to offset the over due charges and the Bank acknowledged the payment. However, ChekSystem is reporting the followingChexsystem Records : Account Abuse, Delinquent/derogatory behavior, NSF Activity, Fraud, or ClosureUnpaid/Outstanding money owed to a different financial institutionThis has caused denial of membership at a Credit Union ( XXXX XXXX XXXX ). I have reached out to Chexsystems 2 months ago but the information is still not updated.
07/13/2021	Yes	Debt collection Auto debt	False statements or representation Indicated you were committing crime by not paying debt	AL 365XX	Web
This company is making statements COMPLETE PAYMENT RECOVERY SERVICES, INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX sent in a check and they are now turning me into the check bouncing system. they have been threat me turn me into a bad check writing system and harassing me on the phone. they are making false statements and defamation of my character. I have called many times and asked them to stop making such statements and that I have never sent or issued a check to no one. I also have verified this with the originator debt XXXX XXXX that I never sent XXXX XXXX a check and they never got a check XXXX.
12/31/2020	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	IL 60615	Web
I disputed inaccurate accounts reported by company in the file you maintain under my social security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX I hereby demand that you immediately delete the item from my consumer report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. Please govern yourself accordingly.
04/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IA 502XX	Web
Debt collection compnay is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was contacted by them via Phone, and also throug h US M ail. They are trying to collect a debt for {$15.00} plus {$30.00} Returned Chec k Services Charge f or a total amount of {$45.00}. When contacted by phone I would not give them any personal information. I also received in the mail a debt collection letter from this company. The debt is for the online XXXX XXXX XXXX . I contacted XXXX XXXX by phone and I do not have any debts due, and they told me they do not use a XXXX party services to collect their debts.
04/23/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	IL 60616	Web
I 'm a XXXX adult and I 'm positive that I have not made over XXXX inquiries into my credit report. I also see mistakes in account reports and in delinquent reports, because the delinquencies are due to being repeatedly ignored on the phone to give proper insurance information. Furthermore, I do n't know how to get help with a XXXX committed against me that may be effecting my credit. The manager of an XXXX store in XXXX named XXXX XXXX pushed me physically out of the store because she said I 'm too " XXXX '' to have an account with them, immediately after I asked her to speak more slowly due to a XXXX XXXX.
09/09/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	GA 30344	Web
There is an account opened on my credit report that I did not open. I have just recently been released from incarceration year XXXX. The Day of my incarceration was XX/XX/XXXX. The account was opened during my arrest : Last Reported XX/XX/XXXXCreditor Name CERTEGYAccount Type Returned CheckAccount Status OpenOpened Date XX/XX/XXXXClosed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. Balance $ XXXXHighest Balance -- Payment Status Collection/Charge-OffWorst Payment Status -- Date of Last Payment -- Amount Past Due $ XXXXTimes 30/60/90 Days Late XXXXRemarks Charged off account
02/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30281	Web	Servicemember
Reference : Everyday Checking Account ending in XXXX XXXX XXXX XXXX ( XXXX ) Case XXXX Consumer Financial Protection Bureau ( CFPB ) Cases XXXX and XXXX The issues with this account have negatively affected my life and my business because this blemish has affected how banks treat me. As stated in previous communications, this account was supposed to be handled and made positive but the banker handling it was no longer working there in the middle of the process. I paid the company despite knowing I truly did not owe the money. I just want it removed from XXXX. I'm prepared to take legal action if necessary.
02/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 641XX	Web
Complete Payment Recovery Services , Inc. is attempting to collect a debt on behalf of XXXX. We are a business and do use XXXX 's services but I've confirmed with XXXX there is no debt due and they do not use this third party to collect debts. In fact, if you drop or do not renew services then it just drops, no debt is owed. Complete Payment Recovery Services , Inc . XXXX XXXX XXXX, XXXX, AL. XXXX. XXXX. First, contacted me on I believe XX/XX/XXXX-20 by telephone, stating it was attempt to collect payment amount {$90.00}. I also received a letter a couple days later, and then a third call XX/XX/XXXX-20.
04/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD XXXXX	Web
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
10/17/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD XXXXX	Web
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
03/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	SC 29210	Web
I had a open account with XXXX XXXX for XXXX $ and I ordered my consumer report from Chexsystems and I found out they have this debt in my report and its already paid and I reached out to the XXXX XXXX to call chexsystems to delete it and I called Chex systems to let them know that the account is paid to delete it from my report both did not respond and now I cant open a new bank account because the false and not correct information chexsystems provide in my report. Please help me and look into it so it can be delete from my report because I really cant open any bank account and thats really hurt me
09/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60613	Web
XXXX Checking ACCOUNT ONGOING DISPUTE The company has repeatedly denied responding via CFPB even if I have stated all the information needed based on my file with them. They refused to remove my name under the Chexsystems report which is not fair and absurd. They have cited that it is lawful of them to report the account but forgot to address the difficulties I have had and went through with the entire process of this issue. They have omitted the inefficient actions by their representative and misleading information that has been fed to me, scaling back to the moment that I have placed a dispute.
04/19/2021	Yes	Checking or savings account Other banking product or service	Opening an account Unable to open an account	OH 43081	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX D.O.B- XX/XX/1982 SSN : XXXX I was denied a Checking account today at XXXX XXXX XXXX based on false or incorrect information. I have a business and I need to open my business bank account. Please send me a CHEX SYSTEM REPORT ASASP! I am having an issue with opening a personal checking account and possibly an issue with opening my business checking account as well. There was a reporting in the CHEXSYSTEM database that I owed an old account that had already been resolved. Please see attached documents. I look forward to settling this error on my account.
09/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA XXXXX	Web
I am a victim of the recent XXXX XXXX XXXX account scandal. I have tried working with XXXX XXXX to fix the issue and have had no success. They have no proof that the account belongs to me. I am now requesting that ChexSystems remove entries from XXXX XXXX because XXXX XXXX is unable to Prove any accounts ever owned by me related to my ChexSystems report. I am now requesting that ChexSystems remove XXXX XXXX from my ChexSystems report. I have never been a customer of XXXX XXXX. PLEASE COMMUNICATE BY MAIL ONLY IF YOU ARE READING THIS COMPLAINT ChexSystems And XXXX XXXX Bank. Do not call please.
06/07/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	WA 99354	Web
Someone has been using my credit or SSN since XX/XX/XXXX, in XX/XX/XXXX I was XXXX-XXXX years old and in XXXX school in XXXX, on my report it states have a XXXX car loan in XXXX from that same year??? Things like this should be investigated more since i was not even of age why is it reporting? another example is a home mortgage i have from XX/XX/XXXX that is also reporting for a house that does not even exisit, this is just XXXX of the many incorrect information being reported by the agencies along with bank accounts, payday loans, and medical bills all in my name most from before i was even XXXX.
01/08/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	MI 48197	Web	Servicemember
Which address? The law says I have 30 days to respond and dispute a debt but I must mail the debt collector a dispute letter. In the collection letter XXXX of XXXX, AL there are XXXX different addresses on their letter, which XXXX do you use? If you do n't respond to the correct address the collection firm assumes the debt is valid. To protect yourself you must mail all three addresses. That is ridiculous. All debt collection agencies should be required to clearly print their name and address used to receive disputes printed using same font and size as the largest type used in the letter.
08/23/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	MD 20744	Web	Older American
I just accessed ChexSystems ( XXXX/XXXX/16 @ approx. XXXX ) to request my consumer report. Once I entered all my information, including Social Security Number and date of birth, I could not submit the request due to the fact that the system stated the verification code was incorrect. I repeated entering a different code 4 times. After the fourth time I got the message that an error had occurred. I experiencd this same problem a few days ago when I attempted to order my XXXX consumer report. I would like CFPB to investigate whether this is a tactic to limit consumers from getting their reports.
06/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75134	Web
I never applied for XXXX account ending in XXXX under my name and I never wrote checks and no funds was withdrawn at all and I put in a fraudulent dispute with XXXX and within days the claim was denied and I never lived at XXXX XXXX XXXX and I have my ID to prove that and someone stolen my identity and opened up checking account and I never applied for this fraudulent account and it was reported to Chexsystems under a different address in XXXX and I live at XXXX XXXX XXXX XXXX since XXXX of XXXX and was in XXXX for three years in the years of XXXX and XXXX and I would like this case to reopen
08/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DC 20018	Web	Servicemember
XXXX and XXXX both are illegally adding and reporting false information from credit companies that I never signed any contract with and have absolutely no dealings with in general. No legal contract can be produced for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX. In Addition no data was furnished or producible to validate any legal contract binding to agencies acting on behalf of other companies therefore no legal contract is made! Erase these items from my credit and reprimand the reporting agencies for continually and knowingly adding these false entries after deletion!
10/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 752XX	Web
I have contacted Chex System and Early warning system about incorrect inaccurate information reporting on my consumer report regarding bank accounts opened by identity theft. I have sent each data furnisher a police report, federal trade comission identity theft affadavit, formal dispute and supporting identification documents. The bank accounts are still being listed on my consumer report regardless of the police report being supplied showing them that I was a victim of identity theft in the past. I am asking for assistance in getting this information blocked and remove per Federal Law FCRA.
08/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	FL XXXXX	Web
I recently pulled an XXXX XXXX reporting and Chex Systems report, and XXXX XXXX XXXX is still reporting an old account with a balance on the report that had caused an adverse action against me and my business when attempting to open a new business account. I filed a XXXX XXXX Bankruptcy on XX/XX/XXXX and it was Discharged by the Bankruptcy Court on XX/XX/XXXX, and the XXXX XXXX XXXX account was included in the Bankruptcy that was to be discharged. I called back in XX/XX/XXXX, and was advised that the bank would resolve this, but it appears it never has complied with the bankruptcy order.
08/30/2021	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	CA 94109	Web
On XX/XX/2021, the corporation of which I am a board member was denied a bank account at XXXX XXXX because of some company called Chexsystems. I an not nor have I ever been a customer of check systems. Chexsystems has sent me their report, attached, which has only my name, my address, my date of birth and the date at which my soc. sec. number became available. I should NOT be denied a checking account or savings account based on this information. However, XXXX XXXX tells me that because I have a record with Chex Systems " at all '', that is a reason to deny me. That is not fair.
02/11/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11432	Web
Several months ago - several charges showed up on my XXXX XXXX bank account -I set up for my small business- I opened the account with {$1000.00}. I have been charged several times with repeating charges of {$240.00} from XXXX -which I never authorized and several others. I explained to the bank - that my card was lost for some time - ( XXXX months ) and that I did not have the card in my possession for the time the charges were made. They refuse to accept my dispute and charged me with the over charge fees. Now collection companies are contacting me- my credit report is in jeopardy.
01/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	OH 45011	Web
XXXX XXXX XXXX is still reporting a charge off to ChexSystems from XX/XX/2016. The reporting is listed in a negative context as a charge off status within the report. The negative balance of {$320.00} was resolved with the third-party collections firm utilized for collection by XXXX XXXX XXXX. Per the discussion and agreement with the collection company, this would not be listed or reported in any way to my credit report including ChexSystems. Neither XXXX XXXX XXXX nor the collection company has upheld their commitment to not report negative information and/or remove negative information.
05/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
Chex Systems , Inc., responded to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2023 review CFPB Complaint Number : XXXX in regards to my complaint of the Reported Information of XXXX XXXX XXXX XXXX XXXX, amount : {$16000.00} listed on my Chex Systems Consumer Report ID Number : XXXX. Chex Systems informed the CFPB on XX/XX/2023 that the reported information of XXXX XXXXXXXX XXXX XXXXXXXX. for amount {$16000.00} was deleted and removed from my Chex Systems Consumer Report, but the reported information is currently still listed on my Chex Systems Consumer Report ID : XXXX.
04/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	TX XXXXX	Web	Servicemember
I have sent several notices to this company to no avail. They are deliberately not verifying inquiries listed on this Chexsystem report or disputing them and also have very old data reporting on this Chexsystem report as the debt as bad debt/acct abuse/ balance owed for institutions I never used checking acct for. the accts they are showing are very old and outside of my statutory period to collect and also have been discharged in bankruptcy and they are still reporting as they are prohibiting me in moving forward in reestablishing good standing with other creditors and a fresh start.
08/22/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NJ 07050	Web
This is regarding a reported entry on my Chex system reported that I have disputed on at least 3-4 separate occasions. I received i the mail today a letter from Chex Systems stating that they were not going to remove the reported information from XXXX XXXX XXXX XXXX because it does n't fall within the date that is listed on my credit report. My problem is this same credit union has reported the same information on the same report at least 3 times and they just change the date and the amount. I have disputed this over and over again every since earlier this year. It needs to be removed
07/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07108	Web
I RECENTLY TRIED OPENING UP A BANK ACCOUNT AND I GOT DENIED AND SENT A MAIL WHICH WAS ODD GROWING UP I WASNT EDUCATED MUCH ABOUT CREDIT AND BANK ACCOUNTS I ALWAYS CARRIED CASH I DONT DEAL WITH BANKS SO AFTER DOING RESEARCH I ORDERED MY CHEXSYSTEMS REPORT AND REALIZED SOMEONE OPENED A FRAUDULENT XXXX XXXX XXXX ACCOUNT IN MY NAME. I NEED THIS FRAUDULENT ACCOUNT REMOVED FROM MY REPORT PLEASE I DONT KNOW WHAT ELSE TO DO I FILED AN FTC RPORT I HOPE THIS HELPS FIX THE ISSUE. I HAVE ALSO ATTACHED MY ID FOR VERIFICATION THANK YOU IN ADVANCE, I HAVE FILED A POLICE REPORT AS WELL AS REQUESTED
11/04/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NY 11566	Web
I have attempted to fax the number I was given to from Chex-systems to send in a copy of the police report that I have filed with the XXXX County Sherrifs office and the fax continues to ring busy. I was denied opening a checking account based on fraudulent information reporting and it is very important that this matter gets resolved immediately I called the customer service number who recommended me mailing the information to their address but I need this matter resolved yesterday. I am attaching what I have attempted to fax to them on several occasions but continue to have issues.
04/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 339XX	Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 SECTION 2A. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
02/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	FL 331XX	Web
There is a consumer report from Chexsystems which states an account from XX/XX/XXXX is reporting on my consumer report. This account remains on my report and has been stated by XXXX XXXX, assistant vice president of XXXX XXXX stated on XX/XX/XXXX verbally that this account with this account number is not a valid number or valid account with XXXX XXXX and has never been an open or valid account. This account number XXXX therefore is incorrect and should not be on my consumer report considering the bank reporting the account confirms it is not a valid account and is not from them.
08/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	FL 34471	Web
ChexSystems, Why is it every time I try and login to your site- there is always some login issue - and then you provide a phone number - to people who cant resolve the issue? I am not able to simply login to my account- and check my own ChexSystems reports - or receive any online notifications. Why are you blocking me from my own information I am allowed to by law? 1 ) Send me a copy of my ChexSystems report + score via MAIL. I am not able to login online to receive it in the portal. 2 ) Allow me access to my online account. I am so tired of being blocked FROM MY OWN PROFILE
02/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 10458	Web
Chex systems has removed an inquiry in the subsection inquires viewed by others after I disputed that they did not have my written aubtorization to furnish this on my consumer report. Now I am asking for a settlement of {$1000.00} for violating FRCA PERMISSIBLE purpose. I have documents when the inquiry was at inquires seen by others to an updated report to the inquiry being removed in the subsection inquires viewed by others. I will be sending a letter of notice of settlement to chexsystems as well through mail for paper trail just in case this leads further into federal court.
05/24/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	CA 90275	Web
When I try to open an account with XXXX XXXX at XXXX, XXXX XXXX XXXX, CA XXXX, they run the credit report ( ChexSystems ) and the credit report history come out with XXXX unpaid/account abuses. I never banking with those XXXX banks and called them to find out what is going on. Both of banks said I did n't banking with them before and do n't even an account with them. Also I run another XXXX credit reports separately but none of them had same or any unpaid records. I think this Chex Systems report is wrong and want to corrected. Please help me out on this case. Thanks, XXXX XXXX
01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	NY 146XX	Web
I was a victim of identity theft. first my information was exposed in a mass data breach by XXXX and XXXX. Then my car was broken into and my social security card and id was stolen which led to someone opening up bank accounts, credit cards, loan accounts and other account types without my knowledge. I have contacted this bureau to notify them of this and I have sent in the proper documentation. I have the right under the us code 1681 and the XXXX XXXX to have this information removed, suppressed, and permanently blocked from my credit report and consumer report immediately.
07/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	VA 23508	Web
I had unauthorised/ fraudulent activity on an XXXX XXXX XXXX account from 2017 which was never investigated but was reported to chexsytems as overdrated and owing {$450.00}. XXXX XXXX XXXX never even did an investigation as stated in contract before providing this inaccurate information. The charges & fees were an result of the fraudulent activity that was never legally or properly investigated which is illegal. Their contract stated any fraudulent activity would be investigated by was not which is a breach of contract on their behalf and illegal to do to an consumer by law.
08/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 454XX	Web
Someone Used my account and deposited checks in my account. I tried to contact XXXX multiple times over the years to resolve this matter. I told them that someone stole my information and used my information and withdrew {$200.00} after depositing the checks. XXXX have not resolved this after 3 years and it still is reporting on my name and the account is charged off. The transaction happened on XX/XX/XXXX. I sent the information to them back in XX/XX/XXXX and they still have not resolved this matter nor responded. It was a chase liquid account and the account number is XXXX
09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94544	Web
I disputed their inquiry with Chexsystems and received a letter on XX/XX/2022 with a phone -number attached to the inquiry which is supposedly my phone number. Instead it is not and it is a- google voice number in which know one answers That number is XXXX. Additionally I NEVER inquired about a loan from XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. I have attempted to call the number listed for your business and continue to be forwarded to a XXXX the number listed is XXXX I want the inquiry from Chexsystems to be removed because I NEVER attempted to get a loan from your company!
10/22/2017	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	CA 93727	Web
RE : refilled on XX/XX/XXXX Complanint Number XXXX previous 1st time filed on XX/XX/XXXX Complaint Number XXXX and you referred me to FDIC and now they had solved the problem with the bank but Chexsystem never update the problem so FDIC told me that you are cfpb is the one need to deal with Chexsystem and referred me back to you, so I filed another complaint with you onXX/XX/XXXX. I did n't attached the police report on XX/XX/XXXXbut I did attached it on XX/XX/XXXX and not sure you are still have the police report or not so I decide to attach the police report to you today.
01/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77021	Web
This company is reporting inaccurate, out-dated and misleading information on my personal credit report they have damage my good name! and refuse to delete inaccurate, out-dated and misleading information, even after numerous dispute notices, after 6 months of fighting this problem, nothing has change! this third party company has violated the Fair Credit Reporting Act. They have fail to send me the documents that I requested after 6 months of disputing They reporting wrong names, Wrong addresses that I never live at. They reporting inquiries that I have no knowledge of.
11/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	TX 789XX	Web
I tried to open a new bank account at XXXX XXXX XXXXXXXX XXXX XXXX Very much to my surprise I was denied. When attempting to find out the reasoning I was told to call ChexSystems. This company is a disgrace. I called 4 numbers some of which were disconnected before I finally got someone who was in another country and told me nothing other than to get on the website. They were absolutely no help. In addition a company this careless has my personal information in there possession. Perhaps it is companies like this in which I have been a victim of identity theft TWICE!!!!
12/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78704	Web
I am a victim of identity theft. While living overseas my passport was stolen and several accounts were opened in my name. I disputed this information directly with the bank and credit reporting agency and my name is still associated with these fraudulent accounts. I was told by the bank to call the bank and report the account as fraudulent and that I would receive an identity theft packet in the mail/email. This was about six months ago and I never heard anything after I called. XXXX is still reporting an account from XXXX XXXX XXXX which was not opened or used by me.
08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30458	Web
I have reached out to XXXX XXXX 's XXXX XXXX via phone on numerous occasions to dispute the error they are reporting in my ChexSystems file. However, each time I call I am routed to a department that says they can not obtain my account information since it is closed. I am in receipt of my ChexSystems report, and there is inaccurate information reported in my file. XXXX XXXX XXXX XXXX XXXX is reporting an unpaid balance which is inaccurate. The outstanding balance has been paid, and I have attached a copy of the money order that reflects it has been paid in full.
03/23/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NJ 07050	Web
My concern is regarding the continous charge off accounts that continually show up on my consumer report with Chex Systems. I have forwarded a FTC Affidavit to them regarding removing the reported items. An item from XXXX XXXX XXXX XXXX and an item from XXXX XXXX XXXX XXXX. I called and spoke to a representative yesterday and they told me that they are n't going to remove the disputed ID fraud items at all. And stated that he can send me an updated report. I have furnished Chexsystems with an FTC Affidavit and the XXXX entries need to be removed within 4 business days
01/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10458	Web
I received a copy of my consumer report from Chex systems stating that there is a credit inquiry from XXXX in the behalf of XXXX XXXX XX/XX/2020. On top it says viewed by others. Ive never gave written authorization / permission for this to be furnish on my consumer report. This is a violation of my privacy, to furnish something on my consumer report without my written authorization, as a consumer I have the right to privacy and XXXX systems violated that privacy by furnishing this inquiry without my authorization. XX/XX/2020 - inquirer XXXX on behalf of ally bank.
07/06/2017	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	TX 76179	Web
CHEX SYSTEMS IS STATING THAT XXXX XXXX XXXX SUBMITTED A NEGATIVE COMMENT ON MY CONSUMER REPORT ON XXXX/XXXX/XXXX. HOWEVER XXXX XXXX XXXX WAS NAMED AS A DEBT IN MY CHAPTER XXXX & CHAPTER XXXX FILING XXXX. THIS DEBT OCCURRED EARLY XXXX & XXXX AND THE NEGATIVE FILING WAS NOT FILED UNTIL XXXX AND SHOULD BE REMOVED BECAUSE I WAS PROTECTED UNDER THE BANKRUPTCY DURING THE TIME THE DEBT OCCURRED. JUST BECAUSE XXXX XXXX XXXX FILED THIS NEGATIVE INFORMATION AFTER THE DATE OF THE BANKRUPTY DOES NO HOLD ME AS THE CONSUMER LIABLE DUE TO THEIR DELAYS IN REPORTING TO CHEX SYSTEMS.
10/26/2016	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	IN 46901	Web
Several months ago, I faxed ChexSystems proof that my Bankruptcy was XXXX. They, in turn, agreed to remove all derogatory information from my file as the items were included in my bankruptcy. I applied today for XXXX XXXX XXXX account, and was denied due to information Chexsystems is reporting. Since I 've not opened a bank account post-Chapter XXXX discharge, Chexsystems has not complied with their promise to clear all information from their records. Attached is my personal ID to help expedite my request - which should have been honored 5 months ago. But was not.
09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA XXXXX	Web
Went into my bank to cash a check. Was informed that ChexSystems was reporting negative information about me to my bank. Chexsystems has no permission from me to report negative or positive information, I never gave consent for Chexsystems to have my information. The alleged debt is 10 years old. My bank is not allowing me to use my account due to the negative report from ChexSystems. The alleged debt is from XX/XX/2012. I never gave consent for my information to be shared, negative or positive. I have no information or account number. I don't consent to extortion.
07/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 24401	Web
I am unable to reach a person at Chex Systems to check the status of my dispute claim. Chex Systems does not offer an email address and their phone system is only an automated menu. Attempts to reach a representative result in " No representative available at this time '' despite the fact that their website says representatives are available during the times in which I call. It is therefore impossible to request a Description of Procedure Used to Determine Accuracy of Disputed Information and Notification of change both of which are rights guaranteed to me by FCRA.
04/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93907	Web
My identity was stolen and someone opened a checking account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Acct # XXXX I disputed this with XXXX XXXX XXXX and they said that since they didn't receive the original documents as I submitted my complaint online, that they ruled against me. I also filed a complaint with XXXX XXXX and they said that the information XXXX XXXX XXXX was deemed accurate. This is on my credit report as well as XXXX XXXX report therefore preventing me from opening my own account. I have done all I could do and now there is no other option.
12/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	DE 19701	Web
Part of the XXXX Breach and Neglect from Chexsystems my personal information was hacked last year XXXX 2016 with XXXX XXXX and my Checking account was Hacked and used to withdraw Funds from and Bad deposited Check and Chexsystems after numerous disputes has neglected and failed to properly verify my claim with the Bank and has taken sides with the Bank on a Fraud dispute and has not deleted this Fraud Account and Balance from XXXX XXXX from my file as a Result XXXX XXXX has been Advised to Cease and Desist all collections and Reporting on a Fraud disputed account.
08/11/2017	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	VA 22306	Web
In 2014 I believe my mother had his ex boyfriendliving in our house he stold our bank account information, our debit cards social security and also checks. He took my XXXX XXXX XXXX and deposit a check with no funds to various of my accounts. He went to jail for that but I never did a police report on what he did but now im not able to open any account because of that and ca n't pay all the amounts of checks with no funds that my stepdad did. Offortunitly I have no proof but there is proof he went to jail for doing false accounts and depositing check with no funds.
04/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. I found a checking and savings account was opened in my name due to identity theft. The account was opened at XXXX XXXX XXXX. I did not authorize or have any knowledge of this account.
02/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 475XX	Web
I deposited a check into my XXXX XXXX checking account. The check was bad. I closed y account and paid it the next week when I got paid. It is still showing on XXXX XXXX under closure status it says not reported. It was reported on XX/XX/2015. I took care of it the following week and should have been closed. I called XXXX XXXX last week when I tried to open my new checking and got denied. They emailed me a letter to take to my bank stating I did not owe them any money. I thought they would have this removed, but it is still showing on the report I received today.
12/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I am a victim of identity theft and have a current police report on file with Chex Systems. The following inquiries and reported information listed on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized, not my inquiries or checking accounts and is the result of identity theft : XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX with a balance of {$900.00} and XXXX XXXX with a balance of {$5600.00}
05/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WI 53204	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I never made this, I would like this removed. I don't know what XXXX XXXX XXXX 2. XXXX XXXX This is not my inquire, I never heard of this place. XXXX wasn't my address. I believe someone used my name. 3. XXXX XXXX Date : XX/XX/XXXX I was never in XXXX, IL XXXX XXXX XXXX was never my address, this is a fraud address. I never lived there. 4. XXXX XXXX XXXX Date:XXXX I would like this to be removed, the address is not mine. 5. XXXX XXXX Date:XXXX I didn't make this inquire, I would like to report this.
04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33463	Web
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
01/06/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	UT 84606	Web
First I never received a notice of rights to dispute. The only letter I received said that I owed a debt and I could no longer write checks at all and had to pay this debt plus a fee. The address they had was incorrect and not where I live and I have not lived at the address in over 4 years. In order to be able to write checks, I sent in a post dated check to this company. I post dated the check to reflect XX/XX/XXXX. The company cashed this check XX/XX/XXXX. Due to this I received about {$200.00} in over draft fee 's because of them posting a post dated check.
06/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33401	Web
On XX/XX/2019 my XXXX XXXX account was closed because I ordered a personal care object on a bad online site that I wasnt aware of, so they closed my account even after hearing me out and knowing the situation. I also just received my XXXX XXXX report and it shows that ( reported information ) you guys received from XXXX XXXX XXXX is showing to other banks. When this happened with my account I tried to dispute this with the bank, they said because if this they would give me my account back but never did. Because of these reports I cant bank anymore, anywhere..
08/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NY 122XX	Web	Servicemember
ChexSystems is inaccurately and negatively reporting old information in order to keep certain demographics in a constant negative status. ChexSystems is using racial discriminatory, redlining practices to falsely and negatively report based upon race in order to keep certain demographics in a constant negative status. ChexSystems is inconsistent with actual fair and equal reporting standards. ChexSystems must cease and desist negative reporting on my profile and report positive in order to be consistent with similar reports that reflect the same information.
04/30/2018	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	NY 10033	Web
Good afternoon. Ive been on Chex systems for a couple years now. Ive been trying to open a checking account but when I apply to serval branches they decline due to Chex systems. I had a fraud activity when I was younger with XXXX XXXX XXXX. They stold my card and I spoke to the banker and they close my account. Later on I have to pay a return fee balance which I did. It happen on XX/XX/14. I have good credit history with my credit cards and I have a debit card with one bank and Ive been having good history why is it still on my records if this wasnt my fault.
02/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web
XXXX XXXX XXXX is incorrectly reporting an account on Chexsystems. I have reached out to the company for resolution and provided a police report number for identity theft. The XXXX PD Criminal Report case number is XXXX. The account needs to removed from my Chexsystems report immediately. It has been proven to be fraud and the police are investigating. My identity was stolen, including GA ID and SSN. Both had to be replaced and both requests can be proven by the Georgia State Department of Driver Services as well as the Federal Social Security Administration.
04/08/2015	Yes	Credit reporting	Incorrect information on credit report Account status	WA 98387	Web
I think I disputed account but not 100 % sure. I do know that I never received any communication from collection agency ( certigy ). I did receive communictions from a different collection agency asking for payment on XXXX returned checks from XXXX which I paid XXXX 2013. Certegy is reporting that the account is open and that I have XXXX late pays. Certigy should be reporting acct closed and no late pays. I never set up any payment plan with Certigy or first collection agency that was assigned my account. I also requested validation and received no response.
12/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	FL 331XX	Web
XXXX / CHEX SYSTEM : HAVE PROVIDED INACURATE INFORMATION ABOUT ME BEING ON A : LIST - OFAC SDN - US TRESUARY / RESERVE FOR TERRORIST AND DRUG DEALERS. THE INFORMATION PROVIDED TO ALLY BANK IS FALSE AS I HAVE VERIFIED WITH TRESUARY. MY CREDIT RECORD IS INPECABLE AND I DONT TRUST THIS COMPANY TO CONDUCT ANY BUSINESS WITH MY INFORMATION. US TRESUARY HAS AN ONLINE SEARCH TOOL, EASY ENOUGH TO VERIFY MY GOOD NAME. THE ACTIONS COMITED BY CHEX SYSTEMS INC. ARE FRADULENT. PLEASE BEAWARE THAT MY GOOD NAME WILL NOT BE TATRNISH. GET IT RIGHT OR GET OUT OF THE BUSINESS.
09/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32256	Web	Servicemember
I applied for a bank account with XXXX on XXXX XXXX and was declined stating there were discrepancies on my XXXX report. I knew that had to be an error because i filed for bankruptcy and every creditor was ordered by the judge to CEASE AND DESIST. I filed chapter XXXX bankruptcy with case XXXX FL on XX/XX/17 and the case was discharged in XX/XX/2017. However, XXXX XXXX is STILL REPORTING EVEN AFTER MY BANKRUPTCY. Each creditor is subject to up to {$1000.00} fine for violation of fair credit reporting act. Chapter XXXX bankruptcy discharges all debt!
03/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 336XX	Web
Several items are listed on my report that are inaccurate and have not been removed, after countless attempts in writing to have them removed and/or corrected. XXXX XXXX never late and accounts have been closed for years, there is no delinquent data current and Chex systems refuses to delete erroneous information. One XXXX XXXXXXXX XXXX- has my checking account listed as abuse which is incorrect and illegal. The accounts are under review and this distinction is posted in retaliation for my reporting the Director of Collections XXXX XXXX for misconduct.
02/15/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	DE 19713	Web
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX XXXX and Chex Systems Inc. to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. Enclosed are copies of my Chex System report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
09/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
The following Inquiries Viewed By Others On my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/28/2020, XXXX XXXX XXXX, XX/XX/21/2020, XXXX XXXX XXXX, XX/XX/2020, XXXX Bank, XX/XX/11/2020 and XXXX XXXX XXXX XXXX,XX/XX/11/2020. The following Reported Information is fraudulent, unauthorized and not my accounts : XXXX XXXX and XXXX, XXXX XXXX XXXX and XXXX XXXX. I am a victim of identity theft and have a current police report on file with Chex Systems.
08/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55408	Web	Servicemember
Went to XXXX XXXX to open a checking account and my request was denied by XXXX XXXX do to Adverse Information listed on my Chex Systems Consumer Report : XXXX. I shouldnt have any adverse information on my consumer report. The following information listed on my Chex Systems Consumer Report is fraudulent and not my accounts : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX. I have never opened a checking account with the banks that are listed. I have a police report on file with Chex Systems for being a victim of identity theft.
06/05/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NY 11566	Web
This has been an ongoing situation with Chex-systems. I have faxed to them on XXXX occasions the social security card they were requesting because they said my file is being merged with someone with a similar name. I also sent to them a copy of my identity theft police report listing the fraudulent inquires that are related to the fraud that has occurred and they have not sent me any letters as they stated they would. I have requested on several occasions for them to remove the fraudulent inquiries from my file and yet they continue to ignore my request.
08/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	NY XXXXX	Web
From XX/XX/2023 to the present there is no access to this checking and savings account. There is a negative balance which has been sent to the check and banking reporting service and there are several transactions which have occurred where nothing has been delivered or purchased on the account. There are also bank cards that have been issued on the account and someone has been calling the bank to have any previous credits which were issued as a result of fraud reversed for the charges to be deducted from the account. Most of them are internet purchases.
10/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	DE 19977	Web
I disputed the below listed account with Chexsytems and asked for validation of this account. Chexsystems has failed to provide proper verification documentation and refuses to further investigate my dispute. I am requesting a proper reinvestigation under FCRA 611. I demand to see verifiable proof ( an original consumer contract with my signature on it ) that Chexsystems has on file for the below listed account. The FCRA requires that accounts be verified through physical verification of the original signed consumer contract. Account : XXXX XXXX XXXX
09/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 331XX	Web
HELLO MY NAME IS XXXX XXXX XXXXXXXX XXXX XXXXXXXX, I AM MAKING THIS COMPLAINT BECAUSE IN MY CHEX SISTEM REPORT IT APPEARS THAT I HAD A CHECKING AND SAVINGS ACCOUNT WITH MULTIPLE BANKS. BUT I DON'T RECOGNIZE THOSE ACCOUNTS OR THE BANKS, SOMEONE ELSE STOLE MY ID AND PERSONAL INFORMATION TO OPEN ACCOUNTS FRAUDULENTLY, I MADE AN IDENTITY THEFT REPORT TO SEND IT TO YOU AS PROOF THAT I AM A VICTIM OF IDENTITY THEFT PLEASE DELETE THESE ACCOUNTS OF MY REPORT, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXXXXXX XXXX. I NEVER HAD AN ACCOUNT WITH THESE BANKS..
04/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53092	Web
XXXX XXXX has acknowledged the balance on an account I formerly had with them was the result of Identity Theft. They are reporting the account to ChexSystems. After investigating they decided to consider the debt paid since it was not a result of any authorized activity. Although XXXX has acknowledged the debt is a result of fraudulent activity, they have wrongfully decided to continue reporting the account with the exception of changing the status to paid. This action could lead lenders to believe the balance was accurate at some point, which is false.
01/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75134	Web
hello i have some inquiries that i didnt apply for i have about XXXX hard inquires from chexsystems and im a victim of identity theft and i didnt apply for a bank accounts in my name the only bank account i apply for is XXXX XXXX the others are fraud and i contacted chexsystems inc about this and they told me to call the banks and send a letter in writing and i dont have any stamps and i dont work and i still getting denied to open up a credit union account and they dont have a freeze system and the rep was rude to me and kept me on hold for a long time
10/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77081	Web
ChexSystemsInc is in violation of of 15USC 1681 ( 2 ) ( A ) along with 15USC 1681a ( 5 ) and 15USC 1681 ( b ) for allowing the following person ( s ) to furnish inaccurate information on my consumer report without providing any written authorization I gave the person ( s ) to report such information. It has been over 30 days since ChexSystemsInc has been notified of their violations and they have yet to conduct a proper investigation required by LAW or respond with right action by deleting information reported that is a direct result of IDENTITY THEFT.
01/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NY 109XX	Web
XXXX put an incorrect address in my XXXX report. My address is XXXX XXXX XXXX XXXX NY XXXX. XXXX put an additional entry that says XXXX XXXX XXXX XXXX XXXX NY. This is an error that a rep put in. The address in XXXX XXXX does not exist. XXXX won't correct and I asked XXXX to put a notation in my file which they did not do. XXXX claims they verified the XXXX XXXX address. I never submitted or showed a document that I lived at XXXX XXXX XXXX XXXX XXXX. Since no document exists XXXX ins in violation of the Patriot Act and I would like to file a complaint.
06/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75013	Web
CHEXSYSTEMS, INC CONSUMER RELATIONS DEPT XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX I HAVE CONTACTED CHEXSYSTEMS ABOUT 5 DIFFERENT TIMES TO DISPUTE INACCUARTE / INCORRECT AND UNVERIFIABLE INFORMATION ON MY CREDIT REPORT BUT THEY ARE REFUSING TO UPDATE AND CORRECT MY FINDINGS. THEREFORE, MY NAME, ADDRESS, AND SEVERAL OTHER THINGS ON MY CREDIT REPORT ARE WRONG AND I AM NOT EVEN ALLOWED TO GET A LOAN WITH XXXX XXXX BECAUSE OF THE INACCURIES. I SENT THEM DOCUMENTATION PROVING MY FACTS AND THEY HAVE STILL DENIED MY REQUEST AND REFUSE TO CORRECT MY INFORATION.
09/22/2015	Yes	Credit reporting	Incorrect information on credit report Public record	CA 91977	Web
Fair Credit Reporting Act makes clear that a debt discharged in bankruptcy must be listed as having a XXXX balance. FTC XXXX XXXX XXXX, item XXXX states : " A consumer report may include an account that was discharged in bankruptcy, as long as it reports a XXXX balance due to reflect the fact that the consumer is no longer liable for the dischargeddebt and there should be no additional reporting after the bankruptcy filing date. XXXX XXXX XXXX and the XXXX accounts was included in my Bankruptcy and needs to be deleted according to Chex Systems policy.
01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28273	Web
I have requested proof of any documents that support the accounts that they are reporting on my reporting with my signature on it. They are still not cooperating.I have no other choice than to take legal actions against them which means a judge will request the documents. They're in violation of FCRA 15 USC 1681g. I NEED ALL DOCUMENTS WITH MY SIGNATURE AND ANYTHING THAT REFLECTS MY CURRENT ADDRESS AND SSN. I already send them a copy of my SSN CARD AND PROOF OF ADDRESS. Then they wrote me saying they still need the documents which they already have.
08/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77584	Web
I have reached out to the CRAs to dispute the accounts listed in my identity theft report but I have not received satisfactory results. I have had accounts opened in my name and reported to the CRAs due to Identity Theft. In accordance with 15 U.S.C code 6801 and 15 U.S.C. code 6802 and 15 U.S.C code 1681 my rights are being violated and my name is being tarnished. I am only XXXX XXXX XXXX and This is seriously affecting my life and i am requesting these accounts be removed from my consumer report immediately or I will be forced to take legal action.
12/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76140	Web
In Accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acts Has Violated My Rights XXXX 15 U.S.C 1681 Section 602 A. States I Have The Right To Privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a Consumer Reporting Agency can not Furnish a account without my Written Instructions.
09/22/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	FL 32210	Web
HELLO MY NAME IS XXXX XXXX XXXX XXXX, I AM MAKING THIS COMPLAINT BECAUSE IN MY XXXX XXXX REPORT IT APPEARS THAT I HAD A CHECKING AND SAVINGS ACCOUNT WITH MULTIPLE BANKS. BUT I DON'T RECOGNIZE THOSE ACCOUNTS OR THE BANKS, SOMEONE ELSE STOLE MY ID AND PERSONAL INFORMATION TO OPEN ACCOUNTS FRAUDULENTLY, I MADE AN IDENTITY THEFT REPORT TO SEND IT TO YOU AS PROOF THAT I AM A VICTIM OF IDENTITY THEFT PLEASE DELETE THESE ACCOUNTS OF MY REPORT, XXXX BANK, BANK XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I NEVER HAD AN ACCOUNT WITH THESE BANKS..
09/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32210	Web
HELLO MY NAME IS XXXX XXXX XXXX XXXX XXXX, I AM MAKING THIS COMPLAINT BECAUSE IN MY CHEX SISTEM REPORT IT APPEARS THAT I HAD A CHECKING AND SAVINGS ACCOUNT WITH MULTIPLE BANKS. BUT I DON'T RECOGNIZE THOSE ACCOUNTS OR THE BANKS, SOMEONE ELSE STOLE MY ID AND PERSONAL INFORMATION TO OPEN ACCOUNTS FRAUDULENTLY, I MADE AN IDENTITY THEFT REPORT TO SEND IT TO YOU AS PROOF THAT I AM A VICTIM OF IDENTITY THEFT PLEASE DELETE THESE ACCOUNTS OF MY REPORT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I NEVER HAD AN ACCOUNT WITH THESE BANKS..
06/04/2020	Yes	Checking or savings account Other banking product or service	Managing an account Problem using a debit or ATM card	WA 98115	Web
I am a victim of identity theft, and someone opened a checking account with XXXX XXXX XXXX XXXX with my name, SSN, personal info. I have done all the work to recover and I want to review ChexSystems Report to understand if any other checking accounts were opened under my name. I have received the report from ChexSystems but I do not fully understand this report. This report also did not show the fraud account with XXXX XXXX XXXX XXXX. I would like to talk to a human from ChexSystems, but I have not been able to reach any human from that company.
01/23/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	KY 40165	Web
XXXX in XXXX Kentucky reports that Chex Systems is reporting XXXX accounts opened in my name in 2014 with XXXX XXXX XXXX which have been charged off.I did not have accounts with XXXX XXXX XXXX.Identify theft and fraud are clearly an issue that have had devastating effects on all aspects of my life.As a natural born United States citizen I have always presumed I was protected from fraud and identity theft.The recovery process as defined by the FTC for victims of identity theft, like myself is literally exhausting and a full time job in and of itself.
12/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33322	Web
On XX/XX/2023 ChexSystems mailed me my consumer report. To my dismay, they are reporting negative accounts and items such as XXXX XXXX payment history, XXXX XXXX, XXXX XXXX, Unavailable retail item history and insufficient data inquiry activity same fi. I am in fact a victim of the XXXX data breach and therefore have had many negative accounts reporting inaccurately. Attached is tangible proof that I am a victim of identity theft, an Affidavit of Identity Theft signed and notarized, and my Federal Trade Commission fraud report against ChexSystems.
04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75216	Web
XXXX XXXX XXXX continues to report checking account fraud and account abuse after my repeated disputes to lawfully get these comments and the entire XXXX XXXX XXXX account listing removed from my XXXX XXXX XXXX XXXX XXXX. I've done nothing wrong and XXXX XXXX XXXX has yet to prove why it's not removing these illegal comments and the entire account listing for that matter. If XXXX XXXX XXXX 's stance is solely based on the fraud/abuse comments within their XXXX listing, then the entire account listing must be removed from XXXX XXXX XXXX XXXX XXXX
09/24/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NJ 07050	Web
I am submitting the Amended Police Report to Chex-Systems. I have disputed several address and reported information but Chex-Systems continues to come back to me and tell me that it is n't enough the dates are wrong or they flat out just deny it. Please remove all reported information from my Chex-System consumer report. Please only leave my actual mailing address of XXXX XXXX XXXX XXXX, XXXX XXXX. Please remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXAnd send me an updated consumer report
11/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DC 20018	Web
I've been trying to remove a bank abuse claim on my chexsystems that has made it extremely hard for me to have a bank account with any reputable bank. This account that they have on my report was a bank account that was made when I was a minor but never made those purchases that were listed on the account before that account was closed. During this time I was a victim of identity theft as I also have reports from this time where a credit card was made in my name when I was still a minor. I do need some help in having this removed from my report.
09/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 76002	Web
I AM A FEDERALLY PROTECTED CONSUMER. IN XX/XX/2022, I FAXED A LETTER TO CHEXSYSTEMS AND DID NOT GET A RESPONSE. ON XX/XX/2022 I RECEIVED ANOTHER COPY OF THE ATTACHED CHEXSYSTEMS REPORT. I SENT ANOTHER LETTER TO CHEXSYSTEMS REQUESTING THE REMOVAL OF THE INACCURATE INFORMATION PER FCRA. IT HAS BEEN WELL OVER 30 DAYS AND CHEXSYSTEMS HAS NOT RESPONDED TO MY WRITTEN CONSUMER REQUEST. I WANT THE INFORMATION REMOVED FROM THE REPORT AND FILE AS THEY ARE INACCURATE AND CHEXSYSTEMS WAS NOT GIVEN THE AUTHORITY OR PERMISSION TO REPORT ANYTHING ON MY BEHALF.
07/07/2015	Yes	Credit reporting	Incorrect information on credit report Account status	OH XXXXX	Web
Although I have filed bankruptcy and this was discharged in XXXX 2014, I am still battling with the credit agencies and creditors to reflect accuracy - this inhibits the ability to move forward and gain a credit history ; which was the ultimate goal of going to this extreme. I am simply trying to face forward and establish some positivity out of a horrendous situation. However, it has been months and they seem to discredit my claim. This is why I turn to this portal and request some assistance they may take a little more seriously ... thank you.
02/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35405	Web
I received a copy of my consumer report from ChexSystems stating that there is a inquiry from XXXX on the behalf of XXXX XXXX on XX/XX/2020. On top its says viewed by others. I've never gave written authorization/permission for this furnish on my consumer report. This is a violation of my privacy, to furnish something on my report without my written authorization, As a consumer I have the right to privacy and ChexSystems violated that privacy by furnishing this inquiry without my authorization. XX/XX/2020 - inquirer XXXX on behalf of XXXX XXXX.
10/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 766XX	Web
On or around XXXX XXXX, I had submitted to ChexSystems that I had been a victim of identity theft and I had incorrect information on my ChexSystems report, that I wanted to dispute. I received a letter today dated XX/XX/2022, advising me that the reinvestigation of 2 credit inquires, both from XXXX XXXX XXXX XXXX, dated XX/XX/2022 and XX/XX/2022 that were part of my identify theft, had been verified as accurate information. This is incorrect and unacceptable. They did not provide me with any detailed information proving to me this. XXXX ID XXXX
03/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	MA 020XX	Web
Chexsystems is reporting possible fraud with XXXX XXXX XXXX XX/XX/17. Also, marked unpaid. I went to XXXX and spoke with a manager who called XXXX department. There is no unpaid balance. Also, said that they weren't sure on the suspected fraud activity. They said could have been possible bounced checks that triggered report. The last activity I had with the account was at XXXX XXXX buying a XXXX gift card ... ..shortly after I received an email saying account was frozen. XXXX account # XXXX They said to write to your business to investigate.
04/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 64130	Web
On XX/XX/2020 I had applied for a checking account at XXXX XXXX XXXX and was decline because they said I was in Chex System. Therefore, I reached out to Chex Systems and they informed me that XXXX XXXX XXXX had reported me for account abuse for two accounts one had a balance of {$84.00} and the other account was for {$140.00} which clearly I do not owe. I reached out XXXX XXXX and no one has no information they can provide. Please assist! I want this removed off of Chex Systems that way i can deposit my checks so I can take care of my family.
07/05/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	TX 79936	Web
I called ChexSystems Security Freeze Dept on XXXX/XXXX/15. The CSR told me that she could n't help me because I had lost my PIN. I asked to speak to a supervisor and she told me no one there and would n't be in until Monday. She then hung up on me and so I called back and the same CSR answered the phone. I asked for her name and would n't give it to me. She hung up again and so I called back. this time she picked up the phone and just muted the line. While still on the line, I called from a different phone in the house and the CSR picked up.
08/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Problem with personal statement of dispute	GA 30291	Web	Servicemember
I applied with XXXX XXXX XXXX XXXX in an attempt to open an account. I received a Notice of Action Taken-Notice of Action Based on Information Contained in a Consumer Report ChexSystems ). However, I have attempted multiple times to retain report via online and phone calls with unsuccessful attempts. I have included FTC reports of identity theft and other banking institution so that I can open up an account. I have also reported this information to the CFPB due to the difficulty of obtaining reports and or customer service since XX/XX/2021.
10/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I have a recent and current police report on file with Chex Systems for being a victim of identity. The following reported information on my Chex Systems Consumer Report ID : XXXX, are fraudulent and unauthorized accounts and information : XXXX XXXX XXXX, account : XXXX, XX/XX/2021, {$660.00}, and XXXX XXXX XXXX account : XXXX, XX/XX/2021, {$120.00}. The following credit inquiries are fraudulent and unauthorized : XXXX Texas, XX/XX/2021, XXXX XXXX, XX/XX/2021, XXXX XXXX XXXX XXXX, XX/XX/2021, XXXX XXXX , XX/XX/2021, XXXX Texas , XX/XX/2021
05/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	CA 95340	Web	Servicemember
Certegy, XXXX 's chech cashing verifying service apparently has information under my consumer file that isn't mine. I was turned away from cashing a check from work twice. When attempting to inquire/remove the information I received no response. After numerous failed attempts I still can not cash a check from work any where that would use the same service to verify a check. I would like this information to be removed and any debt that coincides with it, in hopes that I may not have to drive all over just to cash my church and pay my bills.
06/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 91326	Web
The debt in question was paid in XXXX 2014 and is still being reported to the XXXX gathering agencies as an open collection account. Proof of payment has been provided to the agency and they have failed to respond or correct the reporting. The accounts being reported as a balance owed to XXXX XXXX XXXX XXXX but the balance was paid to ChexSystems XXXX, who XXXX XXXX XXXX XXXX referred the matter to as well, meaning the same account was referred to XXXX ( XXXX ) separate agencies for collections, which I believe is defined as overshadowing.
05/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11211	Web
According to the Fair Credit Reporting Act, 15 USC 1681. ( a ) ( 4 ), consumer reporting agencies are required by federal law to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Chex Systems , Inc.. PLEASE REMOVE FROM MY CREDIT REPORT 1. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX INQUIRY DATE XX/XX/XXXX 2. PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX On behalf of XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Inquiry Date XX/XX/XXXX
04/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10591	Web
I am complaining about Chexsystems cause I have an issue where my identity was stolen to open a fraudulent checking account. I filed an FTC affidavit and tried getting a hold of Chexsystems to see if they have a fax that I can send them the paperwork too. I have a real big emergency where I was denied membership and I was approved for an auto loan cause I had a car accident where I was declared a total loss. I have no vehicle and it is imperative that this gets resolved ASAP so I can have them re check my check systems, my social is XXXX
12/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IL 61571	Web
I had opened an account with XXXX bank in XX/XX/XXXX. My former employer wrote bad checks to me and never paid the fees with them resulting in me having to close my account because at the time I couldnt afford to pay the {$75.00} in bounced check fees. Fast forward to XX/XX/XXXX and I am still getting denied bank accounts due to this incident that happened 9 years ago. XXXX has reported this to ChexSystems and entered it in XX/XX/XXXX. 6 years after the fact. This is to my knowledge illegal. I would like assistance to help with my case.
07/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32514	Web
Around XXXX months ago, I noticed that the name " XXXX XXXX '' was being reported on my XXXX XXXX account by XXXX. I took the initiative to request the removal of this name, and they successfully removed it. However, in XXXX, I faced a denial for a bank account due to ChexSystems. Upon obtaining my report, I was surprised to find that the name " XXXX XXXX '' is still being reported, either by XXXX or XXXX XXXX, or both. This misinformation is not only inaccurate but also illegal, as it's negatively affecting my financial opportunities.
01/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78247	Web
ChexSystems has false information on my report that I have fairly attempted to resolve with them and been unable to do so. There is a blatantly false and misleading entry stating that I wrote bad checks on an account for XXXX ( an account that was shut down during bankruptcy while checks were outstanding ), and this did not happen. Their investigation took the company at its word and did not properly investigate this false allegation. ChexSystems has wrongly claimed to have verified the information leaving me with no available remedies
04/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60617	Web
I have Filed Multiple complaints with XXXX XXXX XXXX and Chex Systems about my Identity being stolen and nothing has been done to start correcting my credit report. I have sent in copies of my police report for identity theft and it still hasnt been corrected and just recently XXXX XXXX XXXX closed my account that was not in the negative without warning or an explanation. I have been blocked from being able to open a decent bank account and I dont think its fair. I should be able to have a legit and credible bank account for my money.
11/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	NJ 070XX	Web
Wrong Information being reported in my consumer report on ChexSystems XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX ; XXXX ; XXXX I am unable to open accounts with certain banks due to my consumer file XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank to name a few that states there are items in my report that deny me from opening a account. I asked for copies of my report and the reports I received show that there are no items and when I call the financial institutions I am unable to verify my identity due to ChexSystems.
09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DE 199XX	Web
I recently received a copy of my Chex System Consumer report and I noticed an account on my consumer report that should not be on there. I never gave Chex Systems any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. As a consumer, I am demanding the deletion of the following account XXXX. XXXX XXXX XXXX ; Account number : XXXX Original Charge Off Amount : {$590.00} Closure Status Date : XX/XX/2019 Account number : XXXX Original Charge Off Amount : {$630.00} Date of Closure : XX/XX/2019
08/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55408	Web	Servicemember
The following charged off account is reporting on my internal and external Chex Systems Consumer Report ID : XXXX, XXXX XXXX XXXX Checking Account for {$7500.00}. The account isnt my account. Its a fraudulent checking account. The checking account wasnt my account. Im not able to open up a checking account with XXXX XXXX ( XXXX XXXX ) due to the fraudulent account listed on my internal and external Chex Systems Consumer Report. I have a current police report on file with Chex Systems in regards to me being a victim of identity theft.
02/02/2018	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	PA 19143	Web
I have contacted ChexSystems on a number of different occasions about the inaccuracy of an account that they are reposting in my credit file ( XXXX XXXX ). They have done nothing to try and help me resolve this issue except tell me to reach out to the back in which I did and spoke with a rep name XXXX who had no idea what account I was speaking of and said that he is unable to help me but he would forward my complaint over to his chairman. I am very frustrated with this issue as it has stopped me from being able to open a bank account
05/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30341	Web
In XXXX XXXX XXXX , I contacted ChexSystems via email to inform them that XXXX XXXX had incorrectly reported an address that I have never lived at or used. On XXXX XXXX XXXX , I received a written letter in response stating that since the address was submitted by a financial institution it was being retained in my file. Since the Federal Fa ir Credit Reporting Act requires them to correct or delete inaccurate, incomplete or unverifiable information within 30 days, ChexSystems is in violation of this law.
03/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33150	Web
It has come to my attention that Chex Systems XXXX Inc., has violated the Fair Credit Reporting Act ( FCRA ) by way of failing to follow reasonable procedures to assure maximum possible accuracy, failing to have permissible purpose, in addition to reporting inaccurate information, and failing to DELETE inaccurate information. If Chex Systems XXXX Inc., fails to comply with this notice will result in legal action being taken. Thank you for your timely cooperation. See attachments. Best regards. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.
08/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	WA 98038	Web
attached in this complaint are my I.d Docs for verification Went to apply for a credit union today ''XXXX/XXXX XXXX XXXX XXXX XX/XX/2019 but was told they could not grant me access due to a security freeze on my XXXX report, I have never asked or requested a freeze so i was shocked to be told of these news. I called multiple times to fix this issue but to no avail, I simply asking to remove the freeze if its there and to be sent a letter indicating this has been fixed to have the ability to open a new bank account with zero issues.
06/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	TX 77038	Web
Companies Involved On Report- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-whom the complaint is about. The issue is with the non-response to the help I need in dispute and clear my record. No one on this report knows who XXXX is, they think they are the hand of XXXX just the same. I can not get a checking acct from any bank with this info on my report. XXXX told me they couldn't help me and I needed to call each company on the report and I did that and was pointed back to XXXX. I want them to be spoken to about disputes for consumers.
06/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29201	Web
I attempted to open an saving and checking account. Once the XXXX report was complete I was denied. I requested a copy of the report. The report indicates that XXXX XXXX XXXX XXXX reported account abuse on XX/XX/2018. The issue is that I have never opened an account with XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. I would like to have this account verified in accordance to identity theft and or fraud regulations. Please remove this negative inaccurate information from my account. Thank you for the investigation and your time. Blessings
03/12/2016	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	MA XXXXX	Web
I finally received the report on XXXX XXXX XXXX. Neither me nor the bank understands what the report means, or why I have a low score. Nothing in the report indicates why I would be a high risk client for a checking account. I would like my record to be completely expunged from ChexSystems by no later than XXXX XXXX, XXXX ( 30 days since requesting the report ). If not, I will be forced to hire a lawyer to investigate ChexSystem 's compliance with the Fair Credit Reporting Act, and file a dispute for each false claim by ChexSystems.
09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OR 97302	Web
My son was to have a minor checking account with a parent. The Credit Union opened a regular checking account for the minor which allowed high dollar fraudulent transactions to take place. Upon disputing with the Credit Union, legal representation was necessary. The result was neither party was at fault/took responsibility. Because of that determination, nothing was to be reported. The Credit Union was paid in full and suffered no losses. The existing report should not have been made and I was only made aware of the existence today.
06/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07108	Web
I RECENTLY TRIED OPENING UP A BANK ACCOUNT AND I GOT DENIED AND SENT A MAIL WHICH WAS ODD GROWING UP I WASNT EDUCATED MUCH ABOUT CREDIT AND BANK ACCOUNTS I ALWAYS CARRIED CASH I DONT DEAL WITH BANKS SO AFTER DOING RESEARCH I ORDERED MY CHEXSYSTEMS REPORT AND REALIZED SOMEONE OPENED A FRAUDULENT XXXX XXXX XXXX ACCOUNT IN MY NAME. I NEED THIS FRAUDULENT ACCOUNT REMOVED FROM MY REPORT PLEASE I DONT KNOW WHAT ELSE TO DO I FILED AN FTC RPORT I HOPE THIS HELPS FIX THE ISSUE. I HAVE ALSO ATTACHED MY ID FOR VERIFICATION THANK YOU IN ADVANCE
06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70118	Web
Hello, My name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new home and these items wheny get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft affidavit Please delete the items as soon as possible.
01/24/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NY 11566	Web
I am filing a complaint against Chexsystems cause they have been reporting an ID theft charge off 's on my report and they have hindered me from being able to open a bank account. My report is showing charge off 's account with XXXX, XXXX, and several inquiries. The only inquiry that should be showing on my chexsystems is a XXXX XXXX inquiry which is how i found out of the fraud on my report. I need this removed from my credit report immediately. I am providing the police report that i filed with the XXXX county sheriff 's office,
10/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43219	Web
Chex Systems , Inc. RE : XXXX XXXX XXXX XXXX . I have a check that was deposited in XX/XX/2019 for {$9500.00} .The check was held for over a week and cleared my account then in XXXX it was said to be a duplicated deposit?? I do not know what that is and how do I check and see if someone has done something to my account? How can a check be deposited twice?? It was deposited at a different branch in the XXXX XXXX XXXX branch. My account is XXXX checking. I have already sent a dispute over a year ago with no response or follow up!!
11/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 77007	Web
I have attempted to have my security freeze/suppression lifted from my consumer discloser report several times and it has not been removed in over a year. According to the fair credit reporting act this company is required to comply but has not. I have spent hours on the phone trying to get this problem resolved sent in documents etc but have yet to accomplish removing the security freeze or suppression from my consumer discloser report. This freeze is inhibiting my ability to obtain credit and putting a huge strain on my life.
06/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IL 60002	Web
I have reached out to XXXX XXXX XXXXXXXX, Chexsystem, and XXXX XXXX to remove a mark/flag that indicates that my account with XXXX XXXX XXXXXXXX was closed due to fraud. I in no way want to open a new account with XXXX XXXX XXXX, but would like the opportunity to open a checking account with another reputable financial institution. Unfortunately, I can not due to the mark on my consumer report. It has now been close to 5 years since this was reported, and my understanding is that this should have fallen off the report by now.
02/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55408	Web	Servicemember
The following bank and credit unions thats currently listed on my Chex Systems Consumer Report was previously deleted from my consumer report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, I never applied for any checking account or line of credit from these creditors, but these creditors are currently listed on my Chex Systems Consumer Report. The accounts are fraudulent, unauthorized and not my accounts. I sent a police report to Chex Systems in XX/XX/2019 in regards to these creditors and fraudulent accounts.
06/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34601	Web
opened online XXXX account was approved for checking account as long as i went into a local branch and made cash opening deposit. THAT NEVER HAPPENED BECAUSE MY EMPLOYER had used a pay card for our checks and i continued to use pay card. well they were wrongfully charging a monthly fee for this account when i had not deposited initial required deposit or made any kind of withdrawl etc. never used it and now it is stoping me from opening a bank account becayse its comming up owing them hundreds of dollars on chexsystems report
02/03/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MD 21117	Web
There are XXXX accounts appearing on my Chex systems report that are not mine. Both are fraudulent accounts that were opened using my personal information. One is from XXXX and the other is XXXX The XXXX account has no identification listed, and the XXXX account has an incorrect identification number listed. I have disputed these accounts in the past to no avail. XXXX account, the XXXX one, was appearing on my XXXX report. However, I disputed it, and it was subsequently removed. However, both remain on my Chex systems report.
09/30/2016	Yes	Bank account or service Checking account	Problems caused by my funds being low	AR 72204	Web
I had an account opened at XXXX without my knowledge. My identity was stolen several times by unknown persons. There have been several ID complaints files with FTC. So I had to file bankruptcy because of the theft. I contacted ChexSystems about accounts at XXXX to be removed from file an the refused to remove. These accounts were discharged in a chapter XXXX XXXX/XXXX/2013. They want remove because bankruptcy was filed before they were reported to them. Well quite natural the accounts were closed way before they got reported.
08/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IA 526XX	Web
The following hard inquiries currently listed and showing on my Chex Systems Consumer Report ID : XXXX is fraudulent and the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Police Department Case Number : XXXX : XXXX
04/20/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	PA 19131	Web
I am writing to dispute the following information that is on my report. I have contacted the banks to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. Enclosed are copies of my Chex systems report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. Sincerely, [ Your name ] Enclosures : Social, ID, Identity Theft report
05/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
The following inquiries viewed by others and only by me currently listed and showing on my Chex Systems XXXX Report ID : XXXX are unauthorized and not my inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/09/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	MI 48174	Web
Hello, My name is XXXX XXXX, I ordered a ChexSystem report about a week ago because I can not open a bank account. Back in 2010 I had an account with XXXX XXXX XXXX, they closed my account due to a bad check. I wrote them numerous letters, but they never replied. 5 years later I 'm still unable to open an account. Once I received my ChexSystem report it stated that I tried opening numerous bank account in states that I have never been before. I just need to get a clear understanding of whats going on, and what should I do.
06/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60652	Web
Chex Systems received my dispute letter on the following dates according to returned receipts : XX/XX/2018, XX/XX/2018, XX/XX/2018. Chex Systems continues to report unverified accounts and inaccurate information. Chex Systems has not provided this consumer with the information of How these accounts were verified as accurate by virtue of proper documentation containing my signature binding me any these negative accounts and debts owed. Chex Systems is Now is violation of the FCRA and continues to be in noncompliance.
01/06/2018	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	OH 456XX	Web
I tried to cash a child support check from the state of West Virginia at my local XXXX. It was declined with no reason as to why and I was n't given a receipt. This was after inputting my social security number and drivers license. I called Certegy, the company that declined it, had to give them all my info, check information and amount. They would not give me a valid reason. I think this is some sort of scam to sell credit information. And from what I read on consumer affairs, thousands of people have had the same issue.
11/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MN 554XX	Web
ChexSystems has reported on an account I had with XXXX XXXX that it was closed due to account abuse, but is paid in full. As such when I try to open a new bank account it comes up as my account as being flagged for outstanding amount owed that needs to be paid in full in order to open a new account. And some banks have a policy that if a person is flagged in the ChexSystem that the person can not open an account for two years! All of this because of false information!! Not good! Not Fair! Not honest business practices!!
10/05/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Problem canceling credit monitoring or identify theft protection service	SC 29209	Web
I am opting out of all ChexSystems, I never authorized for this company to access my information. I cease and desist for ChexSystems to use my information, reporting on my credit report at all. I do not contract and I do not consent to this company using my information at all, Upon receipt of this notice. ChexSystems opt out policies say they grants all consumers a right to opt out of the use of Personal Information for firm offers of credit and insurance ( uses of Personal Information otherwise allowed by the FCRA ).
01/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NV 89121	Web
15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus, inconsistent. Please remove for innaccuracy, remove all accounts that do not have my correct name. My name is XXXX XXXX XXXX ( XXXX IS MY MAIDEN NAME ) My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX MY LICENSE DOES NOT MATCH BECAUSE I HAVE NOT BEEN ABLE TO GET AN APPOINTMENT WITH THE XXXX BUT THIS IS MY CURRENT AND ONLY ADDRESS My phone numbers XXXX
04/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I am a victim of identity theft and have numerous police reports on file with Chex Systems in regards to fraudulent accounts and inquiries listed on my Chex Systems Consumer Report ID # : XXXX. The following inquiries viewed by others currently listed on my Chex Systems Consumer Report are fraudulent, unauthorized and is the result of identity theft : XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX, XX/XX/2022, and XXXX XXXX XXXX XXXX, XX/XX/2022. The inquiries viewed by others, are not my inquiries.
08/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
Heres the police report case number : XXXX I received in regards to the following fraudulent and unauthorized inquiries viewed by others and only by me currently listed and showing on my Chex Systems Consumer Report ID : XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX A Part Of XXXX XXXX XXXXXX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023, XXXX XXXX XXXX XXXX XXXX, XX/XX/2023 XXXX and XXXX XXXX XXXX XXXX XXXX, XX/XX/2023
05/27/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MI 48021	Web
This pertains to Chexsystems. I have disputed these accounts for XXXX XXXX XXXX and XXXX Bank through the Chexsystems dispute process, that show me either owing a balance or having paid a delinquent balance. I have never owed either institution any money and have closed both accounts years ago, yet they still show up on this reporting service as " charged-off '' or charged-off but paid in full. As a result, i am unable to open a new bank account and I want these fraudulent entries deleted from my Chexsystems report.
06/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32803	Web
Chexsystems has incorrect information attached to my social security number and personal information. I was a victim of identity theft back in XXXX and XXXX. Fraud alerts and police reports were filed as to my purse being stolen. Bank accounts were opened in my name and credit cards that I have disputed over there years and have been deleted from my credit report. Chexsystems has these inaccuracies still attached to my name and social security number. I would like all inaccuracies to be deleted from their data base.
09/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IL 60031	Web
I complained back in XXXX about my Chexsystems information being incorrect. They have my middle initial a C when it should be R. Chexsystems told me the report was given by a bank sometime ago, most likely a credit card I tried to apply for years ago. The middle initial in their data base with the letter C is incorrect. They refuse to correct that information. I believe that is why banks, etc. have turned me down several times. There was a time when identity theft was being committed towards me back in XXXX.
11/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28208	Web
The following information has appeared on my check systems report. I don't recognize these accounts and I need the following information validated that are listed below. If you can not VALIDATE these accounts & inquires on the report I demand that they be removed ( cease & desist all reporting accounts ) within 15 business days. XXXX XXXX XXXX Acct # XXXX / XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/12/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	FL XXXXX	Web
I applied for a checking account and was told that XXXX XXXX is reporting a charged off checking account in my name. I have been a victim of identity theft and there were fraudulent loans opened in my name XXXX XXXX was one of the institutions involved. I have filed a police report because of the continued issues that i have been having with identity theft. I am writing in this complaint becauseI have tried to get in contact with Chexsystems and have not been successful in getting helped or located in their system.
03/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39401	Web
I disputed these Inquiries on my credit report however the bureaus will not remove them. XXXX XXXX, XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX, XXXX XXXX XXXX XXXX XXXX, MS XXXX, REMOVE PHONE NUMBER ( XXXX ) XXXX REPLACE WITH ( XXXX ) XXXX, REMOVE NAME SUFFIX ( XXXX. )
09/25/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	CA 92660	Web
All I can really say is that I am on check systems for fraud that I dont know anything about Ive been on check systems for 12 years and unable to open a bank account. Is it been a great deal of a problem for me cause me many problems I need help I need to be able to open a bank account so I can have a business and move my life on someone please help me, I am a good man a hard-working person and I should be able to have a bank account without some Fraud that I had nothing to do is causing me problems for 12 years
07/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	AZ XXXXX	Web
As a consumer I have requested on numerous occasions my consumer report from the following consumer reporting agencies Chex Systems and XXXX XXXX XXXX due to a recent denial in achieving a new bank account. I attached the error messages and letters that I continue to keep receiving from these companies without the actual report and I am request my consumer report be emailed immediately so that I confirm if all the information is accurately being reported. Chex systems Consumer ID XXXX XXXX XXXX XXXX ID XXXX
05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	GA 30305	Web	Servicemember
XXXX XXXX XXXX and ChexSystems are involved. I discovered that XXXX XXXX XXXX reported two accounts in my name to ChexSystem under account abuse. I contacted XXXX XXXX XXXX and they said they didnt see account abuse listed on the system. They said they would mail me documents but I never received anything. I contacted ChexSystems and they said the only reason they would see it is if XXXX submitted it. Now, the system says I disputed it and it was verified. I havent received anything verifying the account.
07/26/2017	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	NC 281XX	Web
My personal check was refused at XXXX XXXX even though my banker assured me that there would be no problem writing a check from the next pack of checks than the ones that were my stolen wallet. A company called Certegy Check Services contracted by XXXX XXXX. I called the number on the refused receipt for an explanation but was given around when I asked how they knew anything about my banking situation. My drivers license number showed no information on their files. I became tired of the run around and hung up.
07/17/2015	Yes	Bank account or service Checking account	Using a debit or ATM card	FL 33936	Web
I lost my bank account card one day, and did n't know I did for a few days. I then saw my account was going in to negatives that I did n't know about I then reported to the bank that I lost my card. And when that happened I asked that my account be closed. The issue is I tried to open another bank account recently and was told that there is some issues going on with my account with fraud that I had no part in. I believe someone found my card and hacked into it and used it for illegal purposes. Please help me.
08/05/2015	Yes	Bank account or service Checking account	Problems caused by my funds being low	NV 89506	Web
I would say about 6 years ago maybe longer I messed up on a bank account XXXX for {$320.00}. I got contacted by the collection agency about 2 years ago and settled the acount to I think {$250.00} and paid it. Today I tried to open up with a credit union givin the fact I have had my bank account now in good standing for 2 years. They denied me for being in chexsystems for the account I had already paid off. I wish to have it marked as paid or settled or taken off or something becuase it is tarnishing my name.
08/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I am a victim of identity theft and have a current police report on file with Chex Systems. The following Reported Information, inquiries viewed by others, and by me, currently listed on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized, and not my checking account or inquiries : XXXX XXXX XXXX XXXX, Account Number : XXXX, Balance XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XX/XX/2022, and XXXX XXXX XXXX XXXX XX/XX/2022.
09/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NM 87144	Web
I tried to open a checking account and was told chexsystems was reporting on me. So I followed threw and ordered a report. Which had incorrect information. So I sent in a dispute and no information was investigated with supporting documents.The company that chexsyems has not investigated correctly is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. Date Reported : XX/XX/2017 Reported for : Suspected fraud activityand any amount owed was paid.There was never any fraud to my account before they closed my account.
02/29/2016	Yes	Credit reporting	Incorrect information on credit report Personal information	NY XXXXX	Web
Perusing my ChexSystems report, I noticed an incorrect address. I wrote to ChexSystems and asked them to remove the incorrect address. ChexSystems responded stating that the address in question was submitted by a financial institution associated with my account. This is not true. Although, " XXXX XXXX Bank '' is listed on my report, I have never had XXXX XXXX bank account, nor have I ever wanted one. The address " XXXX XXXX ... '' should be removed, along with " XXXX XXXX '' from my ChexSystems bank report.
05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CA 92530	Web	Servicemember
I applied for a new bank account with my jobs credit union XXXX and was denied due to me being in chexsytems. I read the report from chexsystems and it states that I had a closed, overdrawn account from XXXX XXXX XXXX and it was listed as XX/XX/XXXX. XXXX. I was in the military from XXXX until XXXX and have only had XXXXXXXX XXXX and XXXX XXXX I have never had an account with. XXXX XXXX XXXX since XXXX. XXXX XXXX XXXX XXXX account was never over drawn and simply closed due to me not liking their service.
04/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 312XX	Web
XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX are all showing on a chexsystems consumer report which shows incorrect name, social security number, and addresses these are all stemming from identity theft in which I've sent police reports, affidavits and ftc reports these financial institutions have chosen to violate my rights and not remove these invalid and illegal accounts from thier system after sending proof Ive hired an attorney to take matters to local and federal courts
03/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	NJ 08753	Web
I went to open a Bank account and once they ran the ChexSystems 3 accounts came up on my account that were listed as NSF ( 2 ) activity or Account Abuse ( 1 ) I wrote to the banks and to ChexSystems on XX/XX/XXXX to let them know that I had no recollection of owning or signing for these accounts. I received a letter from one of the banks stating that the account was valid but they did not send me proof of signature. I wrote them another letter on XX/XX/XXXX requesting that they send me proof of signature.
03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10467	Web
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Reporting Inaccurate And Fraudulent Information On My Consumer Report. Report Shows a Debt Owed to XXXX XXXX XXXXXXXX And Closed Checking Account as A Result Of Suspected Fraud Activity. This Report Has Been Disputed by Me and Was Not Removed From XXXX XXXX XXXX XXXX Consumer Report and ChexSystems Consumer Report. Please Remove These Derogatory Marks Under the FCRA This Unverifiable and Inaccurate Information should be Removed From My Report.
10/28/2018	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	MD 21144	Web
I HAVE TURN TO CFPB FOR HELP RESOLVING A INCORRECT INFORMATION ON MY CHEXSYATEMS AND THEY FORWARD MY INFORMATION TO CHEXSYATEMS AND CHEXSYATEMS REPLY THAT THEY VERIFIED THE AND CLOSE THE CASE WITHOUT AND EVIDENCE OF DOCUMENTS, I HAVE ASK CHEXSYATEMS AND XXXX THE BANK WITH THE INCORRECT INFORMATION ON MY FILE TO PROVIDE ME EVIDENCE OR DOCUMENT THAT I OWE THEM ANY MONEY AND BOTH HAVE FAIL TO PROVIDE ME ANYTHING. AS OF XX/XX/2018 THE INCORRECT INFORMATION IS STILL ON MY ACCOUNT AND HAS NOT BEEN DELETED.
09/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 705XX	Web	Servicemember
Hello, I have been notified by XXXX that my information might 've been compromised by the recent hack on XXXX. I 've contacted XXXX twice to get numerous inquiries from my account deleted. I 've also sent letters to each creditor that has an inquiry listed on my credit report without any resolution. Please help me in finding a resolution with XXXX. XXXX apparently has an auto response for inquiries when they are disputed. It kicks them out without a thorough investigation. Kindest regards, XXXX XXXX
08/18/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NY 11566	Web
To whom it may concern, I am filing a complaint against Chex-systems because I have been a victim of identity theft and I sent them my police report and got a response from them that i was clear of any negative information that was reporting due to the fraud. I tried to open up a savings account and was denied because there is XXXX accounts reporting negative on my file with XXXX XXXX XXXX and XXXX Bank. The dates on these accounts are right around the time that I sent my police report to Chex-systems.
12/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91780	Web
There is an account open from XXXX XXXX in my name which i never opened and i would like deleted from my consumer report and to stop being reported to XXXX The information linked to this account is a phone number which does not belong to me XXXX and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX which is not my address. This account was opened XX/XX/2017 and was closed XX/XX/2017 and still has not been removed from my consumer report despite it being fraudulently opened without my permission.
01/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28411	Web
I did not authorize chex systems to distribute my data to anyone. I have not given chex systems authorization to store my data or manage my data. I am disputing XXXX entries on my Chex systems report. I want to be provided every document that will support each entry and and complete itemization of every dolar you allege I owe and anyone that furnishes data to you I want a complete statement of every transaction to show what you are Reporting or we are going to federal court. You see on notice.
10/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web
Chex Systems is still reporting the following 2 fraudulent checking accounts internally and secretly to banks and credit unions, but constantly informing me that the 2 fraudulent checking accounts is not listed or showing on my Chex Systems Consumer Report # : XXXX, the 2 fraudulent accounts are from XXXXXXXX XXXX for {$5500.00} and XXXX XXXX XXXX for {$980.00}. I have never opened or had a checking account with XXXX XXXX or XXXX XXXX XXXX. The 2 checking accounts are fraudulent checking accounts.
08/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85143	Web
ChexSystems is inaccurately reporting an account that I was never attached to on my consumer report. XXXX XXXX XXXX. states that an account was closed for overdrafts. i was never on the account because I was denied an account with the bank. As of XX/XX/XXXX is the date in which is was reported. {$1000.00} - the address that it is reporting does not belong to me. XXXX XXXX XXXX XXXX has an account on my report still showing that it is unpaid when i paid it off years ago. XX/XX/XXXX unpaid status
10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	KS 662XX	Web
I have been unable to open a bank account anywhere I go due to a security freeze on my ChexSystems. I have never requested Chex Systems to freeze my account and I have requested multiple times of the past 60 days to remove this freeze and they keep claiming they will mail me a pin at my home address that I have provided. I have yet to receive anything. This is absolutely absurd that ChexSystems can uniltaerially freeze my account and I am unable to unfreeze it so banks can acess the infrormation.
11/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34221	Web
I am a victim of identity theft. I dont have any bank accounts and Ive been out of the country for years. The only car loan Ive ever had was from XXXX. THE ONLY ADDRESS IVE EVER HAD WAS XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. The only company I have ever worked for and are presently working for is XXXX XXXX. The only telephone number I have is XXXX. Its been over two months and each company is in violation of my rights. If what I requested is not removed I will take matters up in a civil suit.
06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27106	Web
XXXX XXXX XXXX XXXX is reporting fraudulent activity to ChexSystems under my social security number. They are falsely accusing me of fraud activity, and showing that I have an unpaid balance with them in the amount of {$2300.00}. Their claim is not only false, but it is also defamatory. I have been denied credit due to their lies, if they do not remove this listing immediately from the ChexSystems report under my social security number, I will be seeking damages due to their defamatory actions!!
07/07/2015	Yes	Credit reporting	Incorrect information on credit report Personal information	NY XXXXX	Web
I have contacted ChexSystems several times about removing a bad address that belongs to someone else from my ChexSystems banking/credit report. ChexSystems keep telling me that the disputed address was provided by me. I have no record of this. At any rate, ChexSystems has my current and correct address on file ; there is no need for them to keep an additional erroneous address in my file. This put me in jeopardy of identity theft. I would like ChexSystem to remove the erroneous address. Thank you.
07/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55408	Web	Servicemember
The following Reported information listed on my Chex Systems Consumer ID Report : XXXX is fraudulent, unauthorized and not mine : XXXX XXXX XXXX, {$990.00}, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, the 9 Inquiries Viewed By Others listed on my consumer report is unauthorized and fraudulent, and the 18 Inquiries Viewed Only By You is fraudulent and unauthorized.
09/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10128	Web	Servicemember
ChexSystems continues to deny my application for banks regardless of countless amounts of inaccurate information and future dating old, fictitious accounts, preventing me from opening new accounts and collecting revenue from their business model of " check credit repair '' I am making sure this is a public complaint. Company will respond back asking for my social security number but cfpb advised against putting down my social security number. Inaccurate info with Chex systems. Scam organization
06/18/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76012	Web	Older American
I received a " second notice '' from Complete Payment Recovery Services @ XXXX XXXX XXXX , XXXX , AL XXXX . It stated XXXX XXXX XXXX XXXX wrote a bad check ( # XXXX ) at XXXX # XXXX on XXXX / XXXX / XXXX for {$130.00}, creditor is Certegy Check Services. CPRS is demanding {$170.00} from a non-existent company at my home address. The phone # for CPRS on the letter i s ( XXXX ) XXXX and is not the same as a number online. CPRS wants immediate payment by phone.
01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70118	Web
According to the provisions of the Fair Credit Reporting Act [ 15 USC 1681i ( a ) ], report containing information sole as to transactions or experiences between the consumer and the person making the report this disputed items must be reinvestigated or deleted from my credit record within XXXX days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up.
10/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	SC 29485	Web
To Whom It May Concern, The Issue That Im Having Is I 'm Currenty Locked In Chexsystems Due To A Bank Accout That Was Opended Years Ago Unto My Knowledge. Due To This I 'm Not Able To Open A Bank Account. I Have Written More Than One Dispute Letter To Chexsystems To Be Dropped Out Of Their System & They Keep Sending Me Letters In The Mail Asking To Buy More Time. This Unauthorized Bank Account Is Making It Hard For Me To Aquire Credit Line & A Bank Account Due To Me Being Stuck In Chexsystems.
03/25/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	CO 803XX	Web	Older American
CHEX Systems has not deleted the fraudulent XXXX credit card application and has not deleted the fraudulent address used for that which is XXXX, XXXX, CA XXXX. It is still on my file, NOT DONE. Letter from them was from the Consumer Relations dept which knows nothing about it, and said it was done, and gave me a phone number only for Consumer Relations., and on the next page all the fraudulent activity was still listed. Delete XXXX and delete this XXXX address and send me a clean copy by mail.
08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	FL 34471	Web
ChexSystems. Please see attached. Daily I try and log in my ChexSystems and daily I get the attached message " Your request could not be processed because of a technical issue. Please try again later or contact ChexSystems at XXXX. '' I call this number, speak to a barely English speaking representative, and no one can help me. Excuse after excuse. I need access to my online account. Fix all these errors so I can. This is unacceptable as its my right to have access to my own file.
08/30/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	FL 34471	Web
ChexSystems. Please see attached. Daily I try and log in my ChexSystems and daily I get the attached message " Your request could not be processed because of a technical issue. Please try again later or contact ChexSystems at XXXX. '' I call this number, speak to a barely English speaking representative, and no one can help me. Excuse after excuse. I need access to my online account. Fix all these errors so I can. This is unacceptable as its my right to have access to my own file.
08/10/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	FL 349XX	Web
I have recently been informed that there is negative information reported by ( XXXX XXXX XXXXXXXX ) in the file ChexSystems maintains under my Social Security number. Upon ordering a copy of the report, I see an entry from this bank listing a ( SUSPECTED FRAUD ACTIVITY ) in ( XXXX ). I noticed unauthorized inquiry on my reports or noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized item must be removed.
04/09/2015	Yes	Bank account or service Checking account	Problems caused by my funds being low	NJ 079XX	Web
Hello everything was not cleared and this is another complaint. I had mentioned in the complaint before to clear it with the bank of the debt I owed, and the bank did there job and when I went to open an account after being told it was clear from the Chex Systems credit. It has not been cleared, I need to open an account for my job it is required and I am unable to due to the fact Chex Systems has n't cleared it and I am being told to many things for something not to have been handled by now.
06/18/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76012	Web	Older American
I received a " second notice '' fro m Complete Payment Recovery Services @ XXXX XXXX XXXX , XXXX , AL XXXX . It stated XXXX XXXX XXXX XXXX wrote a bad check ( # XXXX ) at XXXX # XXXX on XXXX / XXXX / 17 for {$130.00}, creditor is Certegy Check Services. CPRS is demanding {$170.00} from a non-existent company at my home address. The phone # for CPRS on the letter is ( XXXX ) XXXX and is not the same as a number online. CPRS wants immediate payment by phone.
05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 983XX	Web
Checksystems refuses to remove me from the consumer credit reporting list, even though I have signed and submitted the opt-out document removing me from checlsystems consumer reports. They continue to give out faulty and inaccurate info. To add insult to injury on my credit report ( s ) no where is any indication about financial fraud or debt owed, yet checksystems illegally continues to report even though I have opted out and there info conflicts with my three major credit bureau reports.
01/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	CA 908XX	Web
Dealing with this company is horrific. I need an urgent removal of my security freeze and the overseas agents refuse to aid me in this process. I have offered multiple ways to verify myself with my PIN and have requested a new PIN but need this freeze urgently lifted! Please phone me immediately to aid in this removal prior to FCC complaints and media contact. This is abhorrently unacceptable and I require urgent assistance to ensure I am able to open my new account. Thank you kindly.
09/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	WA 98408	Web
I was recently informed of negative information reported by XXXX XXXX XXXX included in the file ChexSystems maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a UNPAID Charge Off Amount in XX/XX/2017. I am unaware of ever having an account from This Bank. Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this " UNPAID Charge Off " bearing my signature.
12/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07017	Web
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ** ( Copied from the affidavit attached ) ** Alleged Account 1 : XXXX XXXX XXXX Alleged Account # : XXXX
06/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30253	Web	Servicemember
I am a victim of identity theft and I have reported the information to several creditors for more than two years and there have been instances where the banking institutions and merchants have not responded nor refunded my monies before 30 days. I have been denied credit from other merchants and use of services because of the information that they have listed at there companies. There is instances where I have documentation from the individuals and they have not provided me with services.
02/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Report provided to employer without your written authorization	MD 20747	Web
Chexsystems, Inc obtained and provided my consumer report to a 3rd party without consent on XX/XX/XXXX with information obtained by XXXX XXXX new business membership department with XXXX XXXX XXXX XXXX at the same address. XXXX XXXX sent a notice of adverse action to my job. All three of my credit files has a security freeze with a fraud alert. I did not personally apply for any loans or credit with XXXX XXXX XXXX and/or XXXX XXXX. I reactivated my membership with XXXX XXXX in XX/XX/XXXX.
09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75134	Web
Chexsystems is unable to dispute an account with XXXXXXXX XXXX I never did business with this bank or applied for it .. the account is closed and paid in full and I want this account to be disputed and have the negative status removed off my account I never lived at XXXX XXXX XXXX XXXX Texas XXXX and Im asking for this address to be removed.. Also XXXXm disputing two accounts with XXXX XXXX and XXXX XXXX XXXX as identity theft I send in. FTC report but Chexsystems refused to honor it.
06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30019	Web
I recently pull my consumer disclosure report and found an additional inquires that I have never made or authorized at. I attempted to call in to dispute this claim, but the customer service was did not want to help me, so I am submitting my claim through the cfpb. Please remove this inquries off my consumer disclosure report immediately! I have no association with these inquires, and it should not be reporting. I want to make an additonal dispute please dont close my previous dispute.
06/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46307	Web
I disputed this XXXX XXXX XXXX XXXX account with ChexSystems because it is not my account. ChexSystems responded with " proof '' that it was my account, which DIDN'T HAVE ANY OF MY INFORMATION ON IT OR INFORMATION THAT I RECOGNIZED. It showed a business with a completely different address in a state 2000 miles away from me. When I disputed it again, ChexSystems responded claiming that my dispute is " considered frivolous ''. REMOVE THIS FRAUDULENT INFORMATION FROM MY CONSUMER REPORT.
01/20/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	FL 330XX	Web
On XXXX, XXXX I tried to open a Checking Account at XXXX XXXX XXXX in XXXX, IN and was denied! They let me open a savings account but because of ChexSystems " Notice of Adverse Action I was unable to?? XXXX said to contact ChexSystems and I got someone that could hardly speak XXXX and she had no desire to help, hung up on me! My Bank said has nothing to do with Credit Score as they do NOT even look at that! What do I have to do to get this Checking Account open?? XXXX XXXX XXXX XXXX
02/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IA 50315	Web
I contacted XXXX XXXX XXXX on XX/XX/2020 because they had reported fraud to my XXXX XXXX report. They informed me I owed them no money so I asked why wear I reported for fraud? They hung up in my face. I repeated them to the CFPB on XX/XX/2020. A rep from XXXX ( XXXX XXXX ) emailed me on XX/XX/2020 and said to get in contact with her. I tried with no avail! Left voicemails until her mailbox was full only to be emailed that my investigation was closed even though no one contacted me.
09/28/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NC 28205	Web
I have a complaint for chexsystem I sent them a letter about some information that was inaccurate that didn't belong to me and it's giving me a hard time to open up a bank account. Under the statue of limitations at CRA if there's no response and must be removed or it's a violation and can be sued each Bureau and collection of {$1000.00} fine. I am asking to please remove XXXX XXXX XXXX XXXX from my chexsystem as an exchange. Thank you so much I appreciate your business sincerely
05/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NC 28269	Web
I had an account that went into overdraft with XXXX XXXX XXXX XXXX back in XXXX. Due to the COVID XXXX home restrictions, I was unable to go into the bank to make a deposit. Once I did - they stated they could not accept my deposit. I never heard back from them nor did they send anything about the account being in the negative via mail. No notification or anything. I applied for a new account with my credit union and they said I was reported to Chexsystems by XXXX XXXX XXXX XXXX.
08/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21401	Web
XXXX XXXXXXXX XXXX XXXX is reporting incorrect information on my Chexsystems report. My checking account with them was closed and included in a 2020 XXXX XXXX Bankruptcy. The bank acknowledges such, and has sent me documentation stating such. However, they have not updated my Chexsystems report to indicate a XXXX balance. I have given them three years to update the information. I have contacted the bank several times, however they have not been receptive to my attempts at contact.
03/03/2023	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	FL XXXXX	Web
I need you to contact the major bureaus to demand that they erase my records completely so I can start over as unscrupulous people have been harassing me non-stop and are still doing so. I am a doctor and I need to return to my functions and I am being the victim of violations of my rights by local authorities causing me financial losses for which I have not been able to adequately defend myself and they are depriving me of all my privileges and properties I need your help please.
12/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37013	Web
I opened a XXXX XXXX XXXX account in 2016. I planned on using the account for my brokerage account and did not do much with it. In late 2016 my account was hacked and several charges appeared that were not from me. I was not aware of the charges until receiving a letter from the bank stating the account was closed. Upon checking with the bank I discovered the account closed with a negative balance due to overdraft fees for things like gym memberships that I did not subscribe to.
03/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07205	Web
I disputed the inquiries on my Chex Systems consumer report over 90days ago. The report still does not show a statement that I disputed these items by the consumer. Since this report does not have that missing statement it must be deleted. Also the report states that all inquiries will be reviewed from 90days to 3yrs. The report does not show what inquiries will stay for 90days or what inquiries will stay for 3yrs. With this confusing statement again all inquiries must be deleted.
09/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	MI XXXXX	Web
This company solicited my information and illegally obtained it by way of Michigan banks to coerce payment and tarnish my reputation to other banks. All the information they have is fraudulent and it has been obtained and used without my authorized consent. Chexsystems has furnished an entire report using my personal identifying information. Their federal violations and actions have hindered me from being able to open personal bank accounts and I have been denied consumer credit.
12/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MO 63121	Web
I've been falsely accused of Suspicious Fraudulent Activity that has been inaccurately reported to Chex-systems & XXXX XXXX. This company has yet to verify any legal binding contract of any unpaid debt owed & refused to remove this erroneous item without an explanation. Failure to comply any proof of information of debt will result in small claims court for their action & damages of ; Defamation, Libel, Negligent Enablement of Identity Fraud & Violation of Fair Credit Report Act.
01/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I am a victim of identity theft and have been a victim of identity theft for over 25 years. Chex Systems , Inc., has a current police report on file regarding me being a victim of identity theft. The following inquiries viewed by you and others currently listed on my Chex Systems Consumer Report ID : XXXX are fraudulent and unauthorized : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Bank, and XXXX XXXX XXXX XXXX XXXX Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
12/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75134	Web
I submit a FTC report to Chexsystems about a dozens of inquiries and a bank account that was open in my name by the name of XXXX XXXX in the amount of XXXX and I was denied of opening up a saving account and I open a a dispute with Chexsystems and it was denied few times and I contacted XXXX XXXX and they open up a dispute and I never heard back from them in few months or received any paperwork from them ... Chexsystems refused to dispute my item ( XXXX XXXX ) Debt amount XXXX
07/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55408	Web	Servicemember
There is 3 fraudulent and unauthorized checking accounts listed on my Chex Systems Consumer ID Report : XXXX, The following Reported Information of account abuse or bad checking accounts are not my accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I never opened a checking account with those banks. The checking account are fraudulent, unauthorized and not my accounts. I am a victim of identity and Chex Systems currently has a police report on file.
07/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 201XX	Web
Chex systems reporting inaccurate erroneous information PAID ITEMS REAGED ITEMS INSCCURATE INFORMATION IDENTITY THEFT I have been denied bank accounts due to inaccurate erroneous reporting I have multiple inquires Multiple declines to get a bank account. Chex systems has discriminated against me. If Chex if this is not removed I will have to move forward with CLASS ACTION LAWSUIT AGAINST CHEX SYSTEMS FOR MULTIPLE VIOLATIONS. FOR ACCOUNT : XXXX XXXX XXXX XXXX ENDING XXXX
07/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	NY 11102	Web
I have been disputing some items on my Cheksystems and XXXX XXXX report consistently for almost six months now and I haven't received any progress or response from them throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any true progress from them on my XXXX account and it's frustrating because I can't make progress towards my goals with this in the way. Something needs to be done.
05/22/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	FL 33068	Web
I reviewed my Chex system report which resulted in finding out that the unauthorized accounts were opened in my name. All Accounts shown for XXXX XXXX XXXX XXXX are not related to my doings. I have requested to have this removed immediately and still no action has been taken. An also the account that's shown for XXXX XXXX has been paid off since 2018. I advised Chex systems about the outdated information that's reporting and they have yet to remove or resolve this matter.
01/26/2016	Yes	Credit reporting	Incorrect information on credit report Personal information	IL 60616	Web
I recently received a copy of file from ChexSystems. After reviewing the file I find that they are allowing unauthorized access to my file. There were over XXXX inquires to my file that I was not aware of and unauthorized. In addition, they are reporting bank accounts that were charged off and others that should have never been reported. The following banks have inaccurate listings : XXXX, XXXX, and XXXX. As a result of this I was not approved for a business bank account.
12/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TN 37027	Web
Since XX/XX/XXXX, I tried to access my security freeze with check systems. Their online system refuses to accept the pin that they sent me by US mail letter dated XX/XX/XXXX. They're requiring an undue delay by not giving me a replacement PIN immediately and forcing me to wait on the US mail. I can not open an account with a new creditor because of this delay. And I may have to spend even more money and reapply to this creditor all over again because of this undue delay.
02/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CT 06606	Web
Chexsystem is reporting, negative bank information on my account. I have been in the XXXX data breach and a couple other breach. Chexsystem is making it impossible for me to get a loan for my business because they are reporting, charge off, collection, inquiry, bad check, charge off check accounts, and identify theft account for auto loans, ( XXXX XXXX and XXXX ). Chexsystem completely distraught my chances to get approval for loan and I am on the brink of been homeless.
11/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	IL 615XX	Web
This is pertaning to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ND XXXX XXXX. I reported fraud on this on XX/XX/2020 In the amount of {$940.00} Account XXXX through Chex systems and now this bank has tied itself to my current savings account which is now put on hold untill I pay in full or show proof that it has been removed from my report which it needs to be because I did not open this account nor did I write checks. This is Identity theft and I want to report it as so.
12/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I am a victim of identity theft and have a current police report on file with Chex Systems. The following reported information currently listed on my Chex Systems Consumer Report ID : XXXX is a fraudulent bank/checking account that is not my account : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Balance : {$16000.00}. I have never opened a bank/ checking account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX The checking account is a fraudulent account and not my account.
05/29/2022	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	TX 75214	Web
I have contacted chex systems before to get them to remove adverse information on my credit report and I have contacted them in writing and on the phone and to no avail they have refused to remove the information or at least give me the details of the derogatory info so I may correct it. I want my information with Chex Systems either deleted or removed due to lack of supporting info or documentation and zero response from their customer service department. Thank you.
06/19/2021	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	CA 93727	Web
My former partner and a friend obtain my personal information to open an account at XXXX XXXX XXXX in XXXX at a XXXX Event in XXXX California. The checking account they opened was unauthorized and was not open by me or I gave any consent in opening the account. My former partner was very abusive towards me and I was a victim of XXXX XXXX and identity theft. They misused the account and now there is an outstanding balance of over {$500.00} reporting on Chexsystems.
11/10/2022	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	FL 342XX	Web
I attempted to open an account at XXXX XXXX XXXX on XX/XX/22, I received notification that they could not open an account for me due to a Chexsystems report. I pulled my consumer report from this company on XX/XX/22 through the website of Chexsystems under consumer ID XXXX. It clearly states under reported information " No Information Found ''. Therefore, what negative information from Chexsystems prevented me from opening an account at the aforementioned business?
03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CA 94303	Web
I received a check by mail from a company/business as a payment to wrap my car with XXXX Ad, I deposited the check to my account thru the mobile app, few days later when I call to check if check has cleared I was informed check was fraudulent and my account was closed and reported to the ChexSystems, but I think I was a Victim of Fraud, I filed a dispute with ChexSystems and provided copy of all the email messages I had with the company that had mailed me the check.
07/21/2021	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	CA 92071	Web
My checking and savaving account are closed by XXXX XXXX XXXX on XX/XX/2021, because I have deposit a check amount {$3800.00} that I have received by XXXX from XXXX XXXX XXXX XXXX to purshases some devises to work with it .It seems that this check is returned for the reason-Enable to locate Acc.After that theu report me to Credit Reporting Agency CRA ( Chechx system and XXXX XXXX XXXX ), Currently I was rejected by the financial institution to open a new account.I w
07/31/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	MD 216XX	Web
Chexsystem Consumer RelationsXXXX XXXX XXXX XXXX, MN XXXXInaccurate marks on my financial reports and failure to inproved the marks to obtain credit cards and bank accounts.Would like to know what laws can provide with me with failure to keep financial records accurate.Would like to request a Federal Bureau Of Investigations and XXXX XXXX XXXX Investigations on the ChexSystem Company.To resolve my burdens on financial living progress.And the damage they have caused.
05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
The following inquiries viewed by others currently showing and listed on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized and not my inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/2023, XXXX XXXX a part of XXXX on behalf of : XXXX XXXX XX/XX/2023, XXXX XXXX a part of XXXX on behalf of : XXXX XX/XX/2023 and XXXX XXXX XXXX part of XXXX on behalf XXXX XXXX XXXX XXXX a part of XXXX on behalf of : XXXX XXXX a part of XXXX on behalf of : XXXX, XX/XX/2023.
05/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	MI 48423	Web	Servicemember
Went to my local grocery store one I have written checks for over 500 times never once has any bounced today they denied my purchase for code 2 saying it was an error and no it wouldnt reverse it decision. I tried to speak with someone more in charge was told there wasnt anyone called back and was hung up on. Called back again and was told it was because I bounced a check with the grocery store which I have never done. Given complete run around and hung up on again
05/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 232XX	Web
In accordance with the Fair Credit Reporting act Chexsystems, has violated my rights. I have never given written permission for them to have and share any of my information. The following code sections allow me to have all information deleted from my report. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
01/25/2024	Yes	Checking or savings account Checking account	Closing an account Company closed your account	GA 314XX	Web
XXXX there was an incident where I my information was stolen and fraud occurred with a XXXX XXXX XXXXXXXX account. They were called and never stated to me the proper steps to take to submit a claim. My information was stolen due to my information data breach and exposure to XXXXXXXX XXXX. The FTC has been notified and a report has been made since I discovered how to submit one in XXXX. The fraudulent information in XXXX XXXX needs to be removed due to inaccuracy.
08/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 122XX	Web	Servicemember
Not applying my secured deposit to the account. Racial Discrimination & Bias in Defamatory, Negative, Inaccurate and Irrelevant reporting of personal information to credit reporting agencies without my expressed written consent nor permission. This is a violation of my right to privacy, as well as, a direct violation of The Fair Credit Reporting Act, and several statutes pertaining to consumer consent under 15 U.S. Congressional Code 1681 of which are attached.
01/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NV 89011	Web
I was told if I paid the overdraft balance owned on Account ending in # XXXX that the Chexsystems reported information be removed. The balance was paid XX/XX/XXXX {$420.00} and got my Chexsystem report back in XX/XX/XXXX still shows XXXX XXXX XXXX reporting the debt. I called today XX/XX/XXXX to XXXX XXXX XXXX recovery department told them I paid said shows it paid but they can`t remove it from chexsystems before I was told the balance was paid it`ll be removed
01/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CA 92833	Web
Recently tried to open an Account with XXXX XXXX and chex systems reported all the wrong information to XXXX XXXX and XXXX XXXX didnt open my Account. it is showing wealth index as " XXXX '' when I do own a property and I do have substantial amount in my Bank Accounts. Chex system is not transparent and showing wrong information to the banks. I have excellent reputation with all the Bank and do own wealth. Chex Systems is a fraud company and should be closed.
04/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 937XX	Web
I called XXXX to inquire of a credit card someone attempted to open in my name and they wouldn't give any information other than asking and I foolishly gave them all my information. I am afraid of identity being stolen again. I am a victim of identity theft. The matter I assured them it was not me, for I have not written a since the late 1990 's. Please remove the items that pertain to me. I not ever received any correspondence of any kind such as phone or mail.
03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 756XX	Web
Synced XXXX XXXX card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX bank XXXX Chex systems XXXX XXXX XXXX bank XXXX And many more transactions and inquiries i habe no idea about My unemployment has been getting stilen from me since XXXX and i dont know where it is going I have not been recieving it. I tried to make a police report but they cant until unemployment Commission does so and i cant get anyone on the phone with me to make it happen.
08/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	DE 19701	Web
chexsystems if reporting a {$870.00} non sufficient funds report from XXXX XXXX XXXX XXXX and numerous fraud disputes have been filed with chexsystems and XXXX XXXX and its for {$330.00} not {$870.00} so Chexystems Consumer ID XXXX is reporting incorrect amount information on a fraud account from XXXX XXXX and this needs to be corrected and verfied again thru the Error of XXXX XXXX and a new chexsystem reported updated sent to me since i am filing a Civil suit.
04/11/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	MD 20850	Web
I was unable to open an account at 2 banks in Maryland ( XXXX XXXX XXXX and XXXX XXXX ) because of something on my Chex systems report. My name is XXXX XXXX and NOT XXXX XXXX, XXXX XXXX is my husband, this login is under me, I just checked so not sure why my complaint is being attached to the wrong name. Anyway, my Chexsystems report contains NO REPORTED information, so it is unclear how the bank says Chexsystems is putting a block to me opening a new account.
11/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76210	Web
Im the victim of identity theft and I dont recognize the account XXXX is reporting on my Chexsystems and XXXX XXXX reports. This inaccurate reporting is damaging my reputation as a consumer with my other financial companies. I have provide an FTC ID Theft Affidavit to Chexsystems and XXXX XXXX and they have both responded saying that verified the account to be accurate without providing any information in its regards to verifying how the account belongs to me.
08/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	WI 53204	Web
Name : XXXX XXXX XXXXXXXX XXXX A PART OF XXXX XXXX : I NEVER APPLIED THROUGH THIS COMPANY, I WOULD LIKE THIS REMOVED IMMEDIATELY. SOMEONE ELSE USED MY SOCIAL SERCURITY NUMBER. XXXX Name : XXXX XXXX XXXX Date : XX/XX/2022 Reason : I DIDN'T NOT APPLIED TO THIS COMPANY ON XX/XX/2022, SOMEONE ELSE APPLIED ON THIS DAY. THIS IS NOT ME I WOULD LIKE THIS INQUIRE REMOVED. Name : XXXX XXXX XXXX XXXXXXXX Reason : I WOULD LIKE THIS TO BE REMOVED FROM MY CREDIT REPORT.
07/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 558XX	Web	Servicemember
I'm trying to cash a check at XXXX and keep getting denied. I called certergy to find out why and discovered that some checks I didn't write or cash are linked to my drivers license number. A while back I had my wallet stolen along with my id and explained this to them and told them that it wasn't me i then had them check my social security number and none of those checks were linked to that. So clearly whomever stole my wallet used my id to cash some checks.
07/06/2018	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	MS 396XX	Web	Servicemember
In every attempt to open an account with a bank I am denied due to a bad report from Certegy. And it seems impossible for me to cash a 3 party check. I have obtained a consumer report from them and there are no outstanding Items listed in this report. There are only inquiries from my numerouse attempts to open a checking account to have the benefits that the establishment of checking and savings account ownership comes with. Thanks in advance. XXXX XXXX XXXX.
04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	FL 32505	Web
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
11/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 331XX	Web
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. These companies have refused to work on disputes even though they are required by law to do so. I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
06/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84115	Web
Repeated denials for XXXX XXXX cash checking account. The reason are stating Chex systems has something blocking an approval for their checking account. Chex systems customer service has stated their is no derogatory information and that I have a clear report. XXXX XXXX stated to apply again and denied again for the same reason Chex systems. My risk from XXXX to XXXX is XXXX , nearly a perfect score?! So something does n't make since in this.
01/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07307	Web
I requested a credit report from XXXX XX/XX/2018. In one line, it says ; " Total number of properties owned : 2 '' I do not own or have owned 2 properties. 4-5 years ago my personal information ( SSN ) was lost. I do not know if the above inaccurate information is related to my lost identity information. However, I am concerned. I would appreciate your help identifying where the information reported by XXXX about properties owned came from. Thank you.
04/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY XXXXX	Web
I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. After the identity theft several accounts were applied for and/or opened in my name without my knowledge or consent. I filed a police report and have attached a copy of it to this complaint. I ordered my Chexsystems report and found the inquiry below which was not authorized by me : XXXX XXXX on behalf of XXXX XXXX XXXX Date : XX/XX/2018
08/27/2021	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	PA 19151	Web
My name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
12/29/2016	Yes	Credit reporting	Credit reporting company's investigation No notice of investigation status/result	KY 42301	Web
I disputed information on my Chexsystems report in XX/XX/2016 and never heard back. A dispute was opened, but I was never able to XXXX the results and they never made contact with me after initiating the disputes. The incorrect information remains on my record, with no way to remove or edit or even dispute any information. I have submitted the same disputes on the XX/XX/2016 via certified letter and will continue to try to get a response from Chexsystems.
08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48075	Web
I Lost my debit card and was charged a overdraft fee but I didnt use the account so I never noticed it was closed or used as I didnt keep much money in that account. Well it was closed and sent to Chex systems saying I owe. I paid in full with the acknowledgment it would be deleted from c hex systems once paid in full. so not only is it not my account I also paid the account and its still showing up which is hindering me from opening a new bank account.
05/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 44121	Web
Consumer ID # XXXX on ChexSystems Report. My Accout was overdrawn at XXXX XXXX XXXXXXXX XXXX XXXX back in XXXX. Mortgage with XXXX XXXX and overdrawn account were both named in my Bankruptcy Filing of XX/XX/XXXX and discharged. Somehow a delay in reporting this debt ended up on ChexSystems though it was already resolved prior. I want it REMOVED IMMEDIATELY and in it's entirety like it never happened because it never should have happened to begin with.
04/10/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CO 80917	Web
We received a letter from Complete Payment Recovery Services , Inc. out of Alabama, regarding a debt from XXXX we DO not even KNOW who or what this is. Letter sent out XXXX saying it was a payment to a company we do not even use or ever heard of. Also, an amount we have never paid. We wanted to pass this on if this company is doing this to businesses and are they are not paying attention, it could be a issue. I also do not even use those check numbers.
01/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I am a victim of identity theft and have a current police report currently on file with Chex Systems. The following inquiries viewed by others and only by you currently listed on my Chex Systems XXXX Report ID : XXXX are fraudulent and unauthorized inquiries : XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. The inquiries arent my inquiries. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
07/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85202	Web	Servicemember
Attached to this complaint is a copy of a police report. I am a victim of identity theft. The following account listed on my Chex Systems Consumer ID Report : XXXX is fraudulent and unauthorized savings/checking account : XXXX XXXX XXXXXXXX Missouri, XXXX XXXX, XXXX XXXX, MO XXXX, RTN : XXXX, Account Ending In : XXXX. I faxed a copy of a police report to Chex Systems on XX/XX/2018 in regards to the fraudulent and unauthorized savings/checking account.
05/14/2018	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	MD 207XX	Web
I was not active in these accounts as I was dealing with an ailing mother, my Mother did in fact pass in XX/XX/2018, I was not made aware af any issue by the following institutions and with this information removed at once XXXX XXXX Chexsystems XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I want ALL Information from the presidents of these bank, to supervisors etc, I am given this right under the FCRA. I want thes names to answer interogotories
04/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY XXXXX	Web
I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. After the identity theft several accounts were applied for and/or opened in my name without my knowledge or consent. I filed a police report and have attached a copy of it to this complaint. I ordered my Chexsystems report and found the inquiry below which was not authorized by me : XXXX XXXX on behalf of XXXX XXXX DATE : XX/XX/2015
01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30058	Web
XXXX XXXX XXXX breached the terms and conditions and violated my privacy pertaining to a checking account that I opened with them by sharing my non public information and information pertaining to my account with a third-party company by the name of ChexSystems without my pior consent. This breach is not only a violation to the terms and conditions that I signed at the opening of the account but is also a violation to 15 U.S.C 6801 and 15 U.S.C 6802.
05/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	IL 62703	Web
Ive disputed this same account on my XXXX file multiple times it is linked to a fraudulent activity being used with my name and social security number. Im resubmitting this information just in case XXXX havent already received my other documentation. Theres also a checking and savings account reporting on my consumer reports for XXXX XXXX and Chexsystems consumer reports and state on this is in my identity theft report which I will provide a pdf for.
07/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	LA 706XX	Web
I recently moved to another town and went to open bank account and I was refused and they gave me a print out showing me it was because of chexsystems I contacted them and they were no help I go get a loan it was because of chexsystems I didn't even know I had anything to do with chexsystems before I moved I had a credit score of XXXX and when I get to another town it was XXXX I don't understand and can't get any answers and know one wants to help me
06/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OK 748XX	Web
If you look at Complaint XXXX that was closed yesterday, you will see that Chexsystems stated that they fixed my report and sent an updated copy to me. However, that was a lie. They sent a letter to me stating that the information would remain on my report and they also did not include and updated report with it. That is a clear violation of the FCRA. I have included the letter sent to me that shows that they lied about how the situation was handled.
05/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	ND 58201	Web	Servicemember
I am a victim of identity theft and someone stole my personal information to open a checking account with XXXX XXXX XXXX : XXXX , the account do n't belong to me. I have disputed this matter with XXXX XXXX numerous times and have sent XXXX XXXX a police report in regards to the fraudulent and unauthorized checking account. I have never had a checking account with XXXX XXXX XXXX . DOB : XXXX / XXXX / XXXX , SSN : XXXX
09/08/2015	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	NC 270XX	Web
My name is XXXX XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX at XXXX, XXXX XXXX XXXX XXXX in XXXX XXXX, NC denied a checking account for me. XXXX XXXX stated ChexSystems had a DENIAL code on my ChexSystems file XXXX my consumer id is XXXX ). I spoke with XXXX at ChexSystems immediately after who stated they do n't place denial or approval messages on consumers accounts. Can you review if ChexSystems is reporting a denial or approval to financial institutions?
01/31/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11757	Web
I am a victim of identity theft. When I discovered the identity theft I checked my credit reports and found several items that were not authorized by me. I attempted to reach Chexsystems via phone but was unsuccessful so I am filing this complaint in hopes that my dispute will be heard. The following inquiries are showing on my chexsystems report but they were not authorized by me and are a result of the identity theft I am suffering. XXXX XXXX XXXX
07/25/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	NV 89801	Web
I am unable to open a credit union account because check systems state I still owe on an overdraft from XXXX XXXX XXXX XXXX that showed it was written off per COVID 19 relief and is no longer on my credit but check systems state I still owe. Contacted XXXX XXXX XXXX XXXX a year ago to pay it off and was told it was forgiven as per COVID 19 relief Also shows that a loan that was discharged in bankruptcy with XXXX XXXX they say I still owe on as well.
11/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	GA 30058	Web
I requested a copy of my consumer report from chexsystems and found several negative items listed on my report that is inaccurate and have not been validated. The reported information is also being reported without my written consent to do so. I have asked for company to conduct an investigation and to delete all negative reporting items if proper copies of documentation bearing my signature pertaining to the negative items can not be giving to me.
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 22204	Web
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602, I have the right to privacy, and under 15 USC 1681 Section 604 A Section 2, It also states that consumer reporting agencies can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under as open-end consumer credit plan as " late '' for any purpose.
06/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85382	Web
Hi, i use to bank with us bank until everytime i got a bank account an would set it up so i couldnt go in the negatives, it always brought me to the negatives because it would show money i had in my account that was just pending but it still aloud me to spend the money leaving me negative. a company calls me almost everyday saying i owe them over {$300.00} for the debit card. im a young XXXX XXXX and dont have money to be giving that i never spent.
07/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I am a victim of identity theft and have a current police report on file dated XX/XX/2022 with Chex Systems. The following inquiries viewed by others and inquiries viewed by you currently listed on my Chex Systems Consumer Report ID : XXXX, are fraudulent, unauthorized and not my inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
02/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33160	Web
I received a letter dated XX/XX/2022 from ChexSystems. There are several names, addresses, an email, and telephone number associated with the Consumer Id # XXXX. XXXX XXXX & XXXX XXXX XXXX have alleged debts associated with my Consumer Id. What name is associated with these accounts? What address is associated with these accounts? What Social Security Number is associated with these accounts? How was this information verified to be accurate?
02/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL XXXXX	Web
ChexSystems as fraudulent information on fraudulent accounts and they will not give me my credit report from ChexSystems I disputed over the phone with a ChexSystems customer service who is very belligerent and did not speak that much of English they are causing me not to have a bank account with false and fraudulent information I would like them to remove every single bit of information on my ChexSystems report every one of them it is fraudulent
04/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48310	Web
I contacted ChexSystems and asked them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specially they provide proof of alleged original application bearing my signature and they have not been able to provide such proof. This is a violation of the Fair Credit Reporting Act and the disputed items may not appear on my credit report if it cant be supported by evidence or proof.
01/31/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11757	Web
I am a victim of identity theft. When I discovered the identity theft I checked my credit reports and found several items that were not authorized by me. I attempted to reach Chexsystems via phone but was unsuccessful so I am filing this complaint in hopes that my dispute will be heard. The following inquiries are showing on my chexsystems report but they were not authorized by me and are a result of the identity theft I am suffering. XXXX XXXX
01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75287	Web
Inaccurate information on my consumer report after being a victim of identity theft. I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ), addresses, ssn #, phone numbers, bank accounts, inquiries, emails on my credit report The following accounts on my report are inaccurate and was opened fraudulently without my Consent or Knowledge. I would like for you to remove all this misinformation from my credit profile.
06/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	FL 32211	Web
Dates XX/XX/2019 Company XXXX XXXX Dates XX/XX/2019 XXXX XXXX XXXX I tried to get an account with XXXX XXXX XXXX. I could not be accommodated. There decision was based in whole or part on information obtained in report from consumer report. They recommended actions to provide adverse action form check box for Chexsystems. Action taken place is requesting all information concerning this issue. My information was impacted by the data breach hack.
05/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	OR 97220	Web
XX/XX/2019 contacted via mail Chexsystems about an error on their report. They never updated me about receipt of documentation. I then called Chexsystems on XX/XX/2019, to verify what was going on with the status of my error and was told to mail them documents. Sent documents via certified mail and still no word. Requested another report from Chexsystems to verify removal. They responded with it taking another 5 days. It has now been 9 months.
03/25/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	MS XXXXX	Web	Servicemember
I have been denied opening a bank account due to incorrect information that Certegy continues to send to Chex systems and other check writing agencies. The following banks have refused to open an account in my name. Bank of the XXXX, XXXX XXXX, XXXX XXXX due to the inaccurate information they continue to send. I have contacted them and they have refused to clean up their error. I have also not been able to cash checks at XXXX due to this error.
02/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70117	Web
These non account INQUIRIES are unknown and unauthorized. IN violation of FCRA Consumer Laws. CHEXSYSTEMS has no permissible purpose to furnish this private information. Nor can someone's credit be pulled without a FIRM OFFER of CREDIT. As Congress STATES. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NC 28216	Web
I sent a cease and desist to CHEX SYSTEMS which also included debt validation of accounts listed which were XXXX XXXX and XXXX XXXX. I received results from XXXX XXXX but no information in regard to XXXXXXXX XXXX. The closure status is UNPAID but an amount is not listed. Chex Systems received my letter on XXXX and failed to provide a competent investigation. Please remove XXXX XXXX immediately from my consumer report and send an updated file.
02/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94403	Web
I have submitted two complaints with the CPFB asking Chex Systems ( a credit reporting company ) to tell me the reason XXXX XXXX XXXX gave in requesting my credit report on XX/XX/2021 because I believe that XXXX did NOT have a valid reason for the request. Chex Systems has twice refused to answer that question and instead replied that it removed all evidence of XXXX 's request thereby covering up what I believe to be a violation of the FCRA.
03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27455	Web
This letter is regarding account # XXXX, which XXXX XXXX XXXX claims such as " I owe {$420.00} '' or " my account was charged off {$420.00} '' This is a formal notice that your claim is disputed and in accurate and all monies claimed to be owed was debited from said account in 2020 yet has stayed on my report via chex systems preventing me from opening bank accounts for the past 2 years even though claim has been resolved since report date
11/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30039	Web
I have been a victim of identity theft. I have filed police reports in GA with my local department regarding these occurrences. I have been able to remove most of the damage done to my credit report but third party companies, such as ChexSystems and XXXX XXXX XXXX have a XXXX XXXX XXXX checking account closed listed in my name and ssn which was closed around XX/XX/2017 due to an unpaid amount of {$2400.00}. I never opened an account there.
03/09/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	CA 95945	Web
To whom this may concern, In follow up to my disputes concerning false information on my credit report, I have obtained my FTC Identity Theft report number which is : XXXX. The website is broken at the moment and will not generate a full PDF, however, Chex Systems , Inc. is legally required to investigate all disputes for fraud and the information within this PDF will assist in removing known to be false and previously disputed information.
06/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Problem canceling credit monitoring or identify theft protection service	MI 48103	Web
Applied for a bank loan and was told I had a chexsystems free on my account that I never asked for and when I call XXXX to get the freeze lifted they told me I had to fax them and jump through a hundred hoops to get something removed that I never asked for to begin with. says its been on my record since XX/XX/2020 which can not be true since I have purchased many vehicles and opened banking accounts in that time with no chexsystems freeze.
03/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 293XX	Web
Chexsystems has inaccurate information regarding a checking g account I use to have with XXXX XXXX XXXX 4 years ago. Ive talked to them and sent all the documents that show proof. Chexsystems reported : suspected fraud activity on my old XXXX XXXX XXXX checking account which is completely false. This is consider SLANDER in America!! They need to take this inaccurate information off my credit report IMMEDIATELY! What can I do? Thanks
05/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08043	Web
To whom it may concern, For the record and on the record, I XXXX XXXX ; XXXX reserve now and forever reserve my unalienable rights. Chexsystems has some checking accounts listed in their system that are not mine. My identity was stolen and used to open checking accounts. I notified Chexsystems of this in good faith with the hopes they would rectify this issue. Chexsystems in bad faith has refused to remove these accounts out of my name.
07/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33166	Web
Chex Systems has not updated on an Account with XXXX XXXX as paid in there system. I was at my bank doing a construction loan and Chex System showed up. I'm also filing with the US Attorney and DOJ complaint on Chex Systems due to a law suit on XXXX XXXX and FDIC in which XXXX XXXX never replied back or corrected the ERROR I can also include Chex Systems in the Law Suit by error and false reporting by XXXX XXXX and Chex Systems
06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27106	Web
I was recently denied credit today XX/XX/2022 due to Chex Systems reporting inaccurate, unverifiable, incomplete information under the account they maintain under my social security number. They are reporting an unpaid overdraft at XXXX Bank in the amount of {$220.00}. I challenge the accuracy, compliance and reportability of this listing. By their inaccurate reporting I am being denied credit and this must be corrected immediately!
01/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	PA 19115	Web
XXXX XXXX charged me for a a a Checking account that was never use after I paid off the account I was told that account will be closed and would not go on chexsystems the account is now on chexsystems after being paid in full this account on chexsystems is stopping me from opening others bank account due to the false information still on my chexsystem account I would like to have this information removed off of my chexsystems account
03/17/2021	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	TN XXXXX	Web
I was denied trying to open up a bank account and was told to contact ChexSystems to find out that an account, line of credit, and credit card had been open in my name that are all fraudulent with XXXX. Bank account have a balance of {$370.00}, Line of Credit have a balance of {$21000.00} and Credit Card with a balance of {$6100.00}. I have contacted ChexSystems and XXXX about this issue and have received the same inaccurate results.
12/14/2017	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	PA 19143	Web
I have sent three certified mail in regards to two accounts that they are reporting on my file XXXX XXXX as well as XXXX Bank that are not mine and were more than likely opened fraudulently. I asked that they provide me with proof of me opening these accounts IE a copy of my ID and SSN card that is required when opening an account and they have yet to proved me with this information only sending copies of the account that was opened.
02/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NY 11550	Web
On XX/XX/2022 I called chexsystems inc, I spoke with XXXX the supervisor explaining to her that there was an fraudulent request of information on my file. I explained to them that they were in violation of 1681b. The supervisor continued to give me a hard time and didnt help at all with security freeze issue. Since then I have mailed out a letter demanding the security freeze be lifted until further notice. Please see attached file.
09/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NM 87144	Web
I have written chexsystems regarding a reporting account in my name. Company : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Date Reported : XX/XX/2015 Acccounts ending in XXXX and XXXX I was fraud-ed and reported it to the bank and they said i would not be charged. Now they are reporting Account Abuse no results I owe them {$430.00} and {$250.00}. I have deputed this threw chexsystems with no results or documents supporting this.
05/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	NY 11221	Web
I have contacted ChexSystems many times advising them of my bankruptcy and they are still continuing to report negative information about previous accounts including balances owed on those accounts whenever I attempt to open a bank account, so I am being declined. This is of course inaccurate since I have filed bankruptcy. I have also contacted them to request a copy of my report and they refuse to send it to me. This is harming me.
12/14/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	FL 347XX	Web
Chexsystem continues to report information on my Consumer Report after being notified its a result of ID theft and in violation of my request to block that information under FCRA Section 605B and 623 ( a ) ( 6 ). They responded that it was validated but how can an account that is NOT MINE and a result of ID Theft be validated????? I have never had a bank account in my entire life and use a payroll card for all my bills and finances.
04/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85042	Web
Spoke with XXXX XXXX XXXXXXXX, who confirms that there is no fraud on my account, only unemployment and unemployment have the account in closing status due to inactive activity, with {$1.00} in the account. XXXX XXXX XXXXXXXX is flagged on my Chex Systems account, marked as fraud which is incorrect. This is a violation of my privacy and defamation of character that caused me to be denied a banking account with XXXX XXXX XXXX XXXX.
04/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	OH 43615	Web
This company has reported an account to the credit bureaus which is currently reflected as.negative.information on my credit file. As a result I have received adverse action and high interest rates. I never received any notice or a right to dispute.this account. The debt is in the amount of XXXX and this company never served.me.any notice, gave the right to dispute.nor have they validated this information as it is requires.by law.
02/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	WI 53212	Web
I consistently check my credit report and noticed that the errors and false information for this account did not meet the credit report standards of being 100 % correct. This has damaged me and held me back from progressing for quite some time. According to the consumer law code 15 U.S.C code 168ic ( b ) and 15 code U.S.C Code 1681i ( 5 ) this account is in Violation for reporting this information without my consent or knowledge.
09/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NV 89147	Web
Check Systems has been notified several times regarding my chapter XXXX bankruptcy and continue to report inaccurate, negative, and incorrect information to creditors. XX/XX/XXXX being the last report issued. Check systems was informed by myself and the bankruptcy court in XX/XX/XXXX that my bankruptcy had discharged but they still report information which results in denials for accounts and other services that I am eligible for.
01/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web
On XX/XX/XXXX, I visited XXXX XXXX XXXX to be added to my aunt 's checking account as an authorized user. I was told there was an account from XXXX XXXX XXXX that does not belong to me, instead belongs to my mother. My mother, XXXX XXXX, filed for bankruptcy Case # XXXX on XX/XX/XXXX and debt was discharged in XX/XX/XXXX. However for some reason, this is showing on my chexsystems report. This is not my account and I was a minor..
10/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	RI 02895	Web
Company is sharing my information without my expressed consent. Which is a form of Identity Theft. I am aware that Identity Theft as described in 15 US Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using identifying information of another person without authority. Provide the SSA 89 form giving my written authorization to discuss matters that involve the use of my Social Security Number.
08/12/2018	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	CA 93727	Web	Older American
ChekSystem did a temporary quick fixed on about end of XXXX XXXX then I can open an account on XX/XX/XXXX and now after I tried to open an open in XX/XX/XXXX but bank decline to open an account and referred me to ChekSystem again. So far since XX/XX/XXXX up to date I have never have any activity with loan or any credit card with any finance institution. I need ChekSystem to fix the problem not just only did it for temporary only
06/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11220	Web
I have three reps from XXXX XXXX XXXX said there are no fraud charges on my account and the recovery XXXX said I did which three reps said recover miss gave XXXX XXXX inaccurate information and under THE FARE DEBTS COLLECTED ACT if find to be inaccurate it must be removed I would like it removed and if when someone listen to the tapes of my phone calls you will see my Evidence my phone XXXX I can supply date and times I called
04/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CA 92505	Web
XXXX XXXX XXXX allowed multiple fraudulent deposits into my account. We were the victims of this fraud. XXXX XXXX XXXX closed our account and kept our funds. Because of this, we have been unable to open any account for a year. They also allowed XXXX, XXXX dollars to be removed from our account without being able to tell us where it went. They alleged it went to IRS. According to our tax attorney, IRS never received that money
04/25/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	MO 63376	Web
Chexsystems is reporting that I have some kind of defaulted or NSF Check or account and therefore I am unable to open a bank account. I filed a complaint with Chexsystems and they say No Information Found, yet they still report me. My Consumer ID is XXXX XXXX XXXX. This is incorrect and needs to be corrected immediately. They have provided no information to support their reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. XXXX
10/01/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	VA 201XX	Web	Older American
Chexsystems will not accept my request for their credit report. The online system will not ACCEPT the application because of an expired drivers license. I no longer drive and do NOT have a drivers license. There is no other way to provide an alternate ID like a passport. There is no way to contact ChexSystems by phone, it is always automated and a human can not be reached. They are required BY LAW to provide my credit report.
10/16/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	OH 43609	Web	Servicemember
I tried opening an Account with XXXX ... ..subject to approval thru Chex systems ... Check systems denied me ... The bank gave me Check systems contact information..I called Check systems and they refused to take me off their list..I told them I filed chaper XXXX, and all previous debts were discharged. Check systems told me I owed them XXXX ... I asked for what ... the agent had no response! They still have me on their list.
07/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30252	Web	Servicemember
I am reaching out because I have received 2 phone calls from this company about a debt that doesn't belong to me. I haven't written checks in over 10 years. The first rep asked if the dl number was mine. I told her no. She gave an address that I had never lived at. I am not going to give them any personal information that belongs to me. My information was involved in a breach and they need to remove this debt from me period.
04/06/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	TX 75081	Web
I was denied for bank account/savings account and was told to contact chex systems. Upon contacting chex systems they refused to give me any information and requested my social security number. I do not feel comfortable giving my social and want verification of whatever this maybe. I have never had a hot check in my life. Please provide information that this is me along with verification and validation of whatever this is.
12/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70433	Web
This company is reporting my uncles information to my Chex systems report. For illustration purposes I have provided my uncles drivers license. I have full permission and authorization to have my XXXX license. He provided it to me to send to you guys. I have been a XXXX resident for years. The license you have connected to me chex systems report is my XXXX. I have never written a check at XXXX. There are no XXXX in XXXX
04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	GA XXXXX	Web	Older American
I pulled a XXXX Credit Report and have noticed on the XXXX page of the report they put Third Party Supplemental info XXXX added some type of inquiry with check systems with our property address and we don't know who they are researching these agencies for? We called and they keep passing the buck, pointing the finger. We want to know who is originating this information. We need to know or will be getting legal involved.
10/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NY 10032	Web
I attempted twice to get a copy of my report from XXXX. First time my request was ignored. Second time they sent me a letter stating that they needed me to put my request in writing along with my PIN number for my security freeze because I requested to change information contained in my report, which I did not. I then followed up with a phone call and they were " unable to access my report '' to assist me with my concern.
06/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	LA 71107	Web
The contact information is unreasonable for a credit reporting agency that dictates your digital existence on this planet and also vague about why consumers are repeatedly denied basic accounts based on hidden information from companies that do not have my consent to hold my personal information. I demand all my personal information be removed from this possession of this company which is even worse than the XXXX scandal.
02/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL XXXXX	Web
CHEXSYSTEMS IS REPORTING FOR XXXX XXXX XXXX BASED ON FRAUD AND FALSE INFORMATION AND IM XXXX SICK OF IT WITH THESE CRIMINALS, AS THE PROOF SHOWS HERE A XXXX BALANCE FROM XXXX XXXX XXXX, AND YET CHEXSYSTEMS IS MAKING BAD REPORTS ON MY GOOD NAME, CHEXSYSTEMS IS A MUTHER XXXX CRIMINAL, THEY ARE ALSO REPORTING FOR OTHER BANKS OF WHICH I OWE NOTHING, THERE IS NO ''BILL '' OR A VARIFIED SWORN STATEMENT FROM A COMPLAINING PARTY,
01/06/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	CA 91331	Web
there was a bank account open in my name at XXXX XXXX XXXX, that is now close due to fraudulent activity and now i ca n't open any type of bank account because of this. my identity was stolen when i lost my wallet and phone a couple months prior to this. when you call the social sercurity place to report a lost social all they do is give you a replacement but ca n't tell you if things have been open with your information.
05/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	CA XXXXX	Web
This is my second complaint to chexsystems. Chexsystems removed the XXXX XXXX account that didnt belong to me but then added three additional accounts to my file that doesnt belong to me. 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX The accounts listed doesnt match my social security or drivers license. I called to inform them and the refused to listen and spoke to me very rudely and condescending.
03/04/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NY 11372	Web
I am filing a complaint because I was made aware that i had a fraudulent account with XXXX showing on my chex systems file in the amount of {$340.00}. I filed a police report and have attempted to call chex systems to speak to a live person in trying to get this matter resolved and the automated system is not allowing me to reach someone. I need this fraudulent account to be removed from my chex systems file immediately.
10/16/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	MN 553XX	Web
I was informed that there is a charged off account on my Chex systems for XXXX XXXX from XXXX XXXX. In XXXX I filed ( XXXX XXXX ) bankruptcy and shortly after this was discharged they submitted a claim it was charged off. My bankruptcy was finalized in XXXX. I have contact XXXX to make sure this was updated on my credit reports and they removed it. However it is still showing on my check systems. Please remove this.
11/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30019	Web
The numerous unauthorized inquiries that are shown on my file are concerning. Recently, I attempted to acquire a checking account at the nearby XXXX XXXX XXXX XXXX XXXX. I was surprised to see that the bank had refused my application because of an inaccurate Chex Systems report. I'dappreciate a prompt answer, and I ask that you dispute and update my credit record with all of the fraudulent inquiries deleted. Thank you.
02/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33068	Web
On my ChexSystem report, there is an incorrect address. That incorrect address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX. I never lived in hte state of New Jersey, Also the account in question is " PAID OFF, '' there fore it should bot be reported in the first place. When I asked XXXX XXXX about this - XXXX XXXX sent me a letter stating that they have no knowledge of the mentioned account.
05/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KS 670XX	Web
all entries derogatory on my Chexsystems are the result of identity theft. I have tried to dispute the items with Chexsystems, and am given no opportunity to submit documentation to substantiate my case, other than ID Theft Affidavit. Chexsystems provides no justification for the accounts belonging to me. The derogatory information showing took place in the period of which I had not yet attainted the age of majority. d
05/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	CA 91730	Web
T o Chexsystem My report is showing inaccuracies. Please read this carefully this time. Please remove everything EXCEPT Current addr : XXXX XXXX XXXX # XXXX XXXX XXXX , CA, XXXX Current # : XXXX Current job : XXXX XXXX XXXX XXXX . ( Thes e are the only things that should be reported at this time ). Anything else on my report as far as addr, phone number or employer should be DELETED.
04/07/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NJ 07050	Web
I am forwarding to Chex Systems the police report. I am disputing XXXX items on my credit report with them. I have submitted a FTC affidavit and they refused to take because of no signature by an officer but I was able to get it notarized and the items I am disputing and should be removed due to Identity theft is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AZ XXXXX	Web
After reviewing my credit report, I have found numerous inaccurate names, aliases, addresses that do not belong to me. I sent a dispute letter via mail to the credit reporting agency to have the fraudulent, inaccurate, incomplete personal information removed from my credit report. After re-reviewing my report I found that the fraudulent, inaccurate, incomplete personal information is still being reported on my file.
11/06/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 19013	Web
Chex Systems have me on my Credit Files on 3 credit Bureaus as owing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I do n't have nothing owed to them. These accounts was cleared up back in XXXX & XXXX of XXXX and my bank informed me it was showing as a debt owed and there is not one owed. I have call them and got the run around they was mailing me something to this matter and there is no real answer from Chex systems
03/24/2015	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	CA 94605	Web
CHEXSYSTEMS IS REPORTING A ACCOUNT FROM A DEBT COLLECTER ( XXXX ) .THAT FILE HAS BEEN DISPUTED AND CLOSED, WITH XXXX. XXXX IS NO LONGER, AND THE OTHER XXXX COMPANIES, XXXX XXXX SYSTEMS AND XXXX CALLERS XXXX DOES NOT HAVE IT ALSO. THEY DO NOT SHOW IT BY MY ACCOUNT NUMBER OR MY SOCIAL SECURITY NUMBER. I AM TRYING TO HAVE IT REMOVED, SO I CAN JOIN A CREDIT UNION.THIS SHOWED UP AT THE CREDIT UNION.ON BEHALF OF CHEXSYSTEM.
07/23/2015	Yes	Credit reporting	Incorrect information on credit report Account status	NY 11221	Web
In 2013 I was a victim of Fraud and I was n't able to get the perpertrator so I ended up having to pay my XXXX XXXX accounts, later I was able to pay off another account from XXXX also. I need CHEX SYSTEMS to remove these PAID accounts off of my Chex System account. I am a mother of XXXX children that have XXXX and it is very difficult to open them up an savings account because of this information on my CHEX account.
10/20/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	PA 18103	Web
I received a check in the mail on XX/XX/2023 from social security and I went to deposit it into XXXX XXXX but was told that there is a bank that reported me as fraudulent. I received my credit report from XXXX and it says there is no fraudulent activity on my account. I then ordered another credit report from ChexSystems and I see that one bank has reported me but it doesnt show who or what the name of the bank is.
11/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
The following reported information and inquiries reviewed by others listed on my Chex Systems XXXX Report ID : XXXX is fraudulent accounts and a fraudulent credit inquiry : XXXX XXXX, {$3900.00}, XXXX XXXX XXXX, {$380.00} and XXXX XXXX XXXX, XX/XX/2021, These fraudulent accounts and inquiry is the result of identity theft. I have a current police report on file with Chex Systems for being a victim of identity theft.
10/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92629	Web
Chexsystems is reporting that I owe money to XXXX, however I do not. I have proof that it was paid XXXX from XXXX XXXX and i have repeatedly sent this evidence to Chexsystems. Every time I go to open a new bank account I am told I can not open an account. I have sent Chexsystems evidence from XXXX that there is not a debt yet they ( Chexsystems XXXX refuses to remove the item blackballing me from opening an account.
03/28/2017	Yes	Credit reporting	Credit reporting company's investigation Problem with statement of dispute	UT 84115	Web
Chex systems has failed to delete inaccurate information of addresses and name information and unauthorized inquires. Additionally submitted a police report to have the XXXX account removed from their system. They have failed to verify the method verification as well. Additionally, XXXX has failed to verify authenticity of the dispute within the time allowed under the FCRA. Thus the removal of this account as well.
10/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	FL 33147	Web
I applied for an apartment with a realtor and underwent a tenant screening and I was denied because of my consumer report I reached out to Chexsystems and XXXX but I have not received a report explaining the reasons or a full report was not provided to me. I am a victim of identity theft and I am requesting a copy of my consumer report so that I can be able to dispute any fraudulent debt or accounts on my record.
05/08/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MN 554XX	Web	Servicemember
There are unauthorized and fraudulent credit inquiries listed on my Chex Systems consumer report that do n't belong to me. This is my second complaint against Chex Systems in regards to this matter. I filed a police report with the XXXX Police Department in regards to the unauthorized and fraudulent credit inquiries listed on my Chex Systems consumer report. I was given a police report case number which is : XXXX.
01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	GA 30047	Web	Older American, Servicemember
On XX/XX/24, I discovered that this company had a credit freeze on my credit. I called them to ask who requested a credit freeze. They indicated that they could not discuss it over the phone. Their placing a credit freeze on my credit prohibited me from obtaining the purchase of a CD from XXXX XXXX on XXXX never gave this company permission to freeze my XXXXThis action cost me {$740.00} in lost interest proceeds.
04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO XXXXX	Web
XXXX XXXX Bank this is the first notice. Remove my personal information from Chexsystems. I have not consented to have my personal financial information furnished/shared with any non-affiliated 3rd party companies. This is a clear violation of Gramm-Leach Bliley ACT against I, the consumer. How are you all safeguarding my personal information? You can not share consumers information with non-affiliated companies.
11/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11691	Web
There are multiple fraudulent accounts that are reporting on my ChexSystems XXXX XXXX report. They are not mine and I have reached out to these companies regarding the negative items and personal information. They are still reporting on my report and are hindering me from opening bank accounts. I have submitted my supporting documents to prove these accounts are not mine and the personal information is incorrect.
11/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94590	Web
I am having an issue to the three major credit report agency with regards to the issue of my SSN being blocked by XXXX. Can be possible to dig deeper when investigating the said agency. From the people, company till the network provider, network system and security, same as who runs the business. Sorry for all my demands. Being a victim of identity theft. Same thing with the Chex System of XXXX XXXX XXXX XXXX.i
01/10/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MA 021XX	Web
I have put a complaint on chexsystems in reference to a fraudulent account with XXXX that was opened in my name. I also attached the police report this is hindering me from being able to obtain an auto loan a chexsystems has not tried to help me expedite this problem and I have no transportation to get around and my approved auto loan is being delayed because XXXX of the conditions was to open a savings account
03/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 64081	Web
Im writing because I have exhausted all efforts to correct my information with XXXX and associated agencies. It is apparant that my identity was stolen and Ive worked night and day to prove that I am who I say I am. Despite my several years of efforts these agencies have restricted me from getting credit. Please help me because I have the same rights as other consumers to have my information corrected.
08/24/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	CA XXXXX	Web
I went to the bank to open an account and was not able to do so because Chex system inc. was reporting incorrect information about me. I contacted chex system XXXX 2016 to dispute the incorrect reporting and to date I have not received any response from them. I know they got my letter because it was sent certified mail with return receipt, and someone from their office signed when they got the dispute letter.
04/19/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	TX 75081	Web
I have a dispute with chef systems for an nsf check dated XXXX XXXX XXXX. My ssn is XXXX do XXXX XXXX XXXX. It 's in the amount of XXXX from alliance bank. I have never had an account through then and I want proof of this check and who it was made out too. That 's part of the verification of debt. I want a copy of this check and something with my signature agreeing to pay any fees associated with this company
11/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ XXXXX	Web
There are several accounts showing up on my consumer report that are showing negative information. The accounts are XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX XXXX. I have attached a new police report and notarized FTC Affidavit. Please remove this accounts and block them so that they don't reappear and submit another clean consumer report stating that those said items have been removed. Thank you, XXXX XXXX
03/16/2022	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	FL 33023	Web
I have reached out several times to the companies involved to send validation for these fraudulent accounts that were open without my consent and they have not furnished these documents. I am having difficulties opening up bank accounts due to this. Persuant to 15 US 1681, the information being reported is incorrect and therefore must be removed. If these items are not fixed and removed, XXXX intent to sue.
04/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	CA XXXXX	Web
Chexsystems has failed to properly investigate an account listed on my report from XXXX XXXX. I've sent Chexsystems a copy of the police report to indicate I've been a victim of ID Theft. They originally told me that they would block the fraud account from my record but failed to do so. I feel very discriminated from chexsystems and felt like I've been unfairly scrutinized and mistreated from chexsystems.
06/09/2016	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	IL 60619	Web
Provided documents to chexsystems to give notice that this name has a common law copy right notice, aswell as a Notice of Intent Fee Schedule and Ucc Financing statement to show that said property belongs to a secured party. Chexsystems has blatantly disregarded these documents and continue to report negatively within their reporting system and making this public information to other financial institutions.
09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 774XX	Web
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.
02/06/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	CA 94122	Web
I recently tried to open a new bank account at several banks and they all told me I had a record with ChexSystems and or XXXX and to contact these agencies. I have done that and have filed a dispute with ChexSystems once I received my report and noticed a fraudulently opened account with a credit union with a very large negative balance. I am still waiting for a report from XXXX to see what that has in it.
03/24/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	LA 700XX	Web
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85053	Web
I disputed errors that were made to my Chexsystems report. There were several unauthorized inquiries on my credit report. I requested that they be removed, some were left on my report, some were removed but then put back on, without reason or explanation. The dates of the inquiries were also changed to more recent dates, which would allow them to be on my credit report for a longer than necessary period.
01/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28262	Web
I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The Items I have identified and highlighted on my Chex System credit report. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
10/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	CA 95834	Web	Servicemember
I went to open a new bank account at XXXX XXXX and was informed I had a checking account charged off account with outstanding balance on XX/XX/. I closed this checking account they are referencing in XX/XX/XXXX before I moved out of state. I asked for proof of charge off debt and account information from the bank and never received it. it is hurting my credit because they have placed me on ChexSystems
04/03/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	MD 20850	Web
I went to open a checking account with XXXX XXXX XXXX and also XXXX XXXX in XXXX Maryland ( XXXX XXXX XXXX ). I was denied based on a " Chexsystems '' report. I called Chexsystems and downloaded my report dated XX/XX/2023. Under " Reported Information '' my report says " No Information Found ''. As such I am not sure how I can be denied an account based on XXXX report if there is nothing on the report!
04/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	NV 89178	Web	Servicemember
I am in chex systems due to some information being reported to Chex systems by. No one can tell me why I am being reported because the account is paid in full. They have never given an explanation of why my account was closed or anything. Now I can't open a bank account when the account is paid in full. My bank is out of state because I moved and now can not open a bank account here and no one know why.
02/22/2016	No	Bank account or service Checking account	Account opening, closing, or management	SC 29464	Web
In attempt to cancel checking accounts with XXXX XXXX Bank through website ( I work as XXXX and can not make it to bank during working hours w/o loss of income ) I received service fees. I paid the one I am responsible the remaining were caused by lack of proper communication on the part of the bank. This information has been sent to the collection agency. They have provided no reply except for payment.
02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 070XX	Web
XXXX Accounts listed on my credit report are not mine and I have reported this problem to your company, I have even provided proof and still these accounts are still listed on my credit reports. I have filed identity theft reports and police reports and several complaints with the CFPB and I still am not getting any results. I am being penalized for these accounts and I didnt open them or utilize them.
10/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30223	Web
On XX/XX/2021 i contacted Chex Systems to request that the company place a security freeze and refrain from sharing any of information about myself, XXXX XXXX. I did not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf. I would like to have my entire credit profile removed from the data institution.
04/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NC 28262	Web	Servicemember
The company Chex Systems XXXX Inc. is reporting an account to my Chex Systems report. This account was reported to Chex Systems without first notifying me and giving me a chance to dispute and resolve the issue. The Fair Credit Reporting Act requires companies to send a notice before reporting negative information to credit reporting agencies. Source of Information : XXXX XXXX BANK Amount - {$770.00}
08/02/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 286XX	Web
XXXX XXXX XXXX. XXXX calling from XXXX. Have called daily, minus weekends, since XX/XX/2018. I Have checked my credit report and have no delinquent payments due. I have not answered their calls because it's my understanding that this company has a history of fraudulent behavior. I have their number blocked on my phone through the " Should I Answer '' app and they still are able to get to my voicemail.
08/04/2016	Yes	Bank account or service Checking account	Problems caused by my funds being low	CA 91801	Web
I had an overdrawn account at XXXX XXXX XXXX. Due to a long hospitalization from a XXXX, my account went over. I was able to pay the overdraft amount including penalties totaling {$170.00}. Now in order to open another account I have to wait 7 years or pay Chexsystems {$380.00}. I think this is unfair. I paid the overdraft amount plus all fees. And now I have to pay double just to open a bank account.
04/22/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NJ 07050	Web
Per previous request here is a notarized FTC affidavit, police report and I am disputing XXXX charge off entries on my consumer report with Chex Systems. I am disputing these entries with chex systems. The reported information that I am disputing is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also disputing the inquiries that were associated with these accounts.
03/14/2016	Yes	Bank account or service Checking account	Problems caused by my funds being low	MI 498XX	Web
i tried to apply for a loan and was told i had a returned check for {$25.00}. i applied at the only bank i use and they know ive never had a returned check so we are both cconfused as to why this is on my report? i also contacted the supposed place i had the returned check and they looked into their records for this time frame and they have no record of any returned checks. this is an obvious error.
09/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11372	Web
I have been a victim of identity theft and there was a checking account established with XXXX XXXX with a line of credit attached that they used to overdraft the fraudulent account. I have tried to contact Chexsystems in getting the item removed but have been unsuccessful there was also some inquiries with XXXX XXXX XXXX that was showing as well I never applied for anything with that credit union.
12/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30125	Web
Chexsystem failed to investigate a concern for ID theft. They respond to another CFPD complaint and said the information from fifth third bank was accurate however I have attached the letter from them Stating the information was not main and that it has been removed from chexsystem. I am also disputing the inquires made without my knowledge of someone trying to open an account. They is at least 50!
04/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 78028	Web
Chex Systems has had a XXXX XXXX XXXX XXXX on a report with them for 5 years already I have done the math and it is well past the time for this item to be removed for good. I have also provided them with an ID theft report that they deemed wasnt " close '' to the time frame, I dont care what it was close to or wasnt close to I had ID Theft and they need to remove this information from their file.
04/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MO XXXXX	Web
I can not access my consumer report because it is not available in an accessible format. This reporting agency only provides reports by U.S. mail, which is not accessible for a person who is XXXX. This is important because I was just denied the ability to open an account based on information on file with this agency, and I am unable to meaningfully exercise my report-access rights under the FCRA.
05/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08043	Web
I XXXX XXXX ; XXXX reserve all of my unalienable rights forever and always. I never had a XXXX XXXX account of any kind. XXXX XXXX is saying that I do. My identity was stolen and an account opened in my name without my knowledge or consent. XXXX XXXX does not have my consent to report any of my private information with any person or any company. XXXX XXXX may only communicate with me in writing..
07/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07017	Web
SINCE XX/XX/2019 I HAVE CONTINUOUSLY REQUEST CHEXSYSTEMS DELETE IT ERRONEOUS REPORTING OF A CHARGE OFF DEBT SAID OWED TO XXXX. I HAVE FILLED OUT THE ONLINE DISPUTE FORMS AND SENT CERTIFIED MAILS BUT TO NO AVAIL. I HAVE VISIT XXXX ON NUMEROUS OCCASIONS AND CALLED CORPORATE OFFICE ON NUMEROUS OCCASIONS. TO BE TOLD THAT XXXX HAS NO SUCH INFORMATION OF A CHARGE OFF A DEBT OR ANY PROBLEMS WHATSOEVER.
09/20/2015	Yes	Credit reporting	Incorrect information on credit report Account terms	GA 30214	Web
I have attempted to open bank accounts at XXXX different banks in the last year. All XXXX have denied me saying that I have records reported at ChexSystems. I have ordered by ChexSystems report and all areas for Reported Information, Inquiries Not Initiated by XXXX, XXXX, and History of Checks all say " No Information Found ''. I do n't understand why I 'm being denied bank accounts? Please help
11/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	PA 19104	Web
Went to XXXX website to obtain my report and was unable to get it. Logged in, but system keeps kicking me out. Statute of limitations has expired on XXXX XXXX XXXX XXXX XXXX RTN/ACCT # : XXXX / XXXX. This has to be deleted. XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX are not my address delete address off my report. My address is XXXX XXXX XXXX, XXXX PA XXXX
09/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FM 32303	Web
I have been challenging the XXXX XXXX XXXX account listed on my report for one year now. Finally, XXXX XXXX XXXX concluded their investigation and decided in my favor to remove the account listed on my report. it was opened due to fraud and i opened a police report. I have been embarrassed for over one year when trying to open an account. I couldnt even get a job in the bank because of this.
05/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08043	Web
I XXXX XXXX ; XXXX reserve all of my unalienable rights forever and always. I never had a XXXX XXXX account of any kind. XXXX XXXX is saying that I do. My identity was stolen and an account opened in my name without my knowledge or consent.XXXX XXXX does not have my consent to report any of my private information with any person or any company. XXXX XXXX may only communicate with me in writing.
03/03/2017	Yes	Credit reporting	Unable to get credit report/credit score Problem getting report or credit score	FL 322XX	Web
I have contacted ChexSystems numerous times via mail and phone requesting a pin is sent to my address. I have updated my current address with the company each time I have spoken with them. I have been attempting to receive a copy of my report for the last six months and every time I call they continue to verify the wrong address and refuse to acknowledge any previous requests or correspondence.
12/13/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	GA 30114	Web
I applied to join XXXX XXXX XXXX for a home loan. They use a service called Chexsystems that has provided information to XXXX that I did not pass Chexsystems approval process and now I can not move forward with my mortgage loan at XXXX XXXX XXXX. I called the service and they will not review the infomraion they provided to XXXX with me preventing me form moving forward with my loan application.
11/11/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	GA 30013	Web
I submitted a dispute to ChexSystems a little over a month ago. I called this evening and they have no record of it. Needless to say, I am not to pleased right now. Attached is the information that they sent me and I disputed everything. Also attached is the letter that I sent out to them today with notice that I will be filing suit if the information was not removed from my report immediately.
10/03/2017	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	NY XXXXX	Web
I was advised that an account was open under my name ( XXXX XXXX ) and my business name ( XXXX XXXX XXXX ) @ XXXX XXXX in New York. I advised them I 've never had an account with XXXX and filed a complaint with XXXX directly today XXXX XXXX, 2017. As result causing me to have an issue with opening a business bank account with XXXX XXXX XXXX under my Business Name because it showing up in XXXX.
06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19121	Web
To whom it may concern. I was reviewing my consumer report and I notice these accounts negative account being reported without my permission. I would like for you to furnish me my contract I have with each of these banks, with my signature. Please provide me a signature or contract that shows that I was negative on these accounts. If you can't furnish it, you have to remove it within 15 days.
10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85234	Web
During Covid 19 my information was stolen from my apartment this included a drivers license and social security card. There is a police report. Getting the report is difficult because they are back logged months. Chexsystems has two accounts that they are mine and they are not. I ask that proof these be provided bearing my signature or they be removed while I obtain the report they requested.
11/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CO 80013	Web	Servicemember
I have sent two letters to Chexsystems asking for validation of an account that I believe is fraudulent. They have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX. I requested a copy of any documents provided by XXXX XXXX bearing a signature showing that I have a legal binding contractual obligation to pay as is my right per the FCRA. They are in non compliance.
08/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	RI 02816	Web
On my ChexSystems report there is a listing for a XXXX XXXX Checking account. It shows discharged and unpaid. It was actually paid before it was discharged in full. I had XXXX from the Chairman 's office at XXXXXXXX XXXX investigate this. The account is paid in full and should be removed asap. I have put in several disputes with ChexSystems through their website and it has yet to be deleted.
04/03/2023	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	MO 64063	Web
An account aXXXX XXXX XXXX was open using me as an applicant without my consent on XX/XX/2019. This account resulted in having a negative balance which is showing up as a charge off in Chexsystems reporting. The account number was XXXX. PLEASE IMMEDIATELY REMOVE ME FROM CHEXSYSTEMS SHOWING A CHARGE OFF. I AM IN GOOD STANDINGS WITH XXXX XXXX. I HAVE ATTACHED MY NOTARIZED FRAUD AFFIDAVIT.
07/24/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MD 21740	Web	Older American
See attached docs. ChexSystem has listed several former addresses ( and wrong addresses ) for me simultaneously going back over 25 years. Neither have they given details of several, misinformation reports to my file so that I can correct them. This has prevented me from opening a checking account as XXXX banks andXXXX lending institutions report that they " can not verify my ID. " XXXX XXXX
05/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28226	Web
I am a victim of identity theft. The information listed in this package, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. During that peiod some one used my identity to purchase houses, open several bank accounts, apply for credit, file taxes and seek medical care.
03/30/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NJ 07050	Web
I am forwarding to Chex Systems the police report. I am disputing three items on my credit report with them. I have submitted a FTC affidavit and they refused to take because of no signature by an officer but I was able to get it notarized and the items I am disputing and should be removed due to Identity theft is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28306	Web
Chexsystems is reporting a derogatory mark on my credit from XXXX XXXX XXXXXXXX as a closed account with a negative balance due to account abuse, I was in contact with XXXX at the time notifying them that the balance would be paid the account was closed with no warning or due date, as well theirs inaccurate information regarding addresses associated with my name on my chexsystems report.
04/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	PA XXXXX	Web
I previously held a checking account with XXXX XXXX XXXX XXXX XXXX, and overdrew my account. I have since paid the debt in full with there attorney. However they did not accurately report that this debt has since been paid in full as of XX/XX/2017 and it's still reflecting with ChexSystems which will not allow me to open accounts at other financial institutions. Please correct immediately.
12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	FL 331XX	Web
My account was charged an erroneous overdraft fee that caused a negative balance. The fee that caused the negative balance was reversed but the resulting negative balance fees were not and account was reported to collections Bank can not charge me negative balance fees or other fees related to their error I called and requested info and never received a response. Phone call was recorded
10/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30045	Web
Chex system is reported incorrect information on my credit report resulting to denied Bank account and or credit application I have froze my chex system profile and yet chex systems refuses to hoor my request reporting in accurate information and no abiding by the law the the CFPB and FTC has put forth to protect consumers from wrongfuly being denied credit and or opening g a band account
09/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	FL 33020	Web
After unsuccessful attempt to open a new checking account with a bank, the banker informed me that XXXX provided negative information about me and it affected the bank 's decision. I got contact info for XXXX and I called the number and requested a copy of my report but never heard back from them. They do not employ a life person for inquiries and it is impossible to reach for resolution.
05/18/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NJ 07050	Web
The issue is the continuing of reported information that has been previously disputed. I have requested that Chex-Systems removes these following items from my consumer report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Also I have requested that the inquiries from these credit unions to be removed as well. Also the inquiries from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
04/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 14845	Web
While I was XXXX and unable to check and monitor my credit I was a victim of identity theft and then the pandemic was in main swing and I'm just getting all the information I need too file my complaint and request these accounts be removed from my credit reports please and thank you. XXXX I have enclosed in the attached documents the list of all accounts not mine good bad or in between
05/15/2023	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	SC XXXXX	Web
I have received my Chex systems report and it contains inaccurate and fraudulent information on my credit report I have received my affidavit from FTC.GOV which will be included. this account is not mine and its verifying information is inaccurate. I have noticed the Chex systems have a variety of addresses and phone numbers which are also not mine, which are also Listed in the report.
08/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85296	Web
Have tried numerous times to dispute information on my Chexsystem that isn't mine and keep being told its verified, no response at all or told I can contact the banks to fix. I've requested their method of verification numerous times with no response. These are clear FCRA violations. I've given Chexsystem many opportunities to correct the inaccurate information and clearly I'm ignored.
03/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	CA 902XX	Web
Im upset chexsystems has cause may a lot of emotional and financial damage. They are reporting in accuracy information, which has caused me to get denied an opportunity to open a checkings account. Chexsystem has no contract with me to display this inaccurate information. They are showing two accounts that i was a victim of identity theft. I have a FTC report to prove this information.
06/28/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	IA XXXXX	Web
I applied online with XXXX bank and after applying was told I needed to take in or mail a deposit if I wished to continue with opening the account. I never paid a deposit to open account but they are reporting to chexsystems I owe XXXX on a account I never finished opening. I can not contact chexsystems online website has internal errors. I need to get my name and this account removed.
05/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07205	Web	Older American
On XX/XX/XXXX, XX/XX/XXXX and XXXX, 2019 I mailed XXXX letters complaining about how they had illegally obtained a report from XXXX XXXX and attached it to my XXXX Report without my permission or any sign authorization from me to obtain this report. Nowhere in any information that XXXX issues state that they can attach any other vendors report without your permission or authorization.
01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33150	Web
Dear Consumer Financial Protection Bureau ( CFPB ), I, XXXX XXXX, consumer, am ware Chex System is reporting false and inaccurate information on my consumer report which is causing my credit application to be denied or delayed and causing me emotional distress. I am requesting a copy of my most recent Consumer Report. Please see the attached. XXXX XXXX All Rights Reserved UCC 1-308.
06/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KS 670XX	Web
ChexSystems has now had 2 previous reports with CFPB filed against them relating to finromation that is being reported by XXXX XXXX XXXX. In their most recent letter they have provided a signature card, but the signature card has nothing to do with my account that i am supposedly responsible for. Therefore, as per the FDCPA I demand that this information be rmeoved from this report
06/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI XXXXX	Web
I had originally had submitted a claim XXXX on XX/XX/2018 and disputing XXXX XXXX XXXX Missouri on my Chex System FIS report. I am unable to open a check or saving account due to this issue. I have now been able to obtain a statement from my lawyer as well as the indentity them case ( court document ). I have mailed it to Chex system and would like to open another complaint. Thanks.
09/21/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	FL XXXXX	Web
chex systems services is reporting inaccurate reports showing that in the past my account with XXXX XXXX XXXX and XXXX Bank was unpaid and closed. Were update closed but not in a good standing. All my bank accounts balances were paid to zero. There is no balance owed on my XXXX XXXX XXXX account nor my XXXX Bank account.Which is hindering me from opening up a bank account in my name
11/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	MA 01960	Web
Cant open checking accounts with any bank because they say from my report on Chexsystems which has inaccurate negative info on there and I want it removed I dont have any negative history of check cashing issues because I never can cash a check either due to what is reported in my report and its not fair Ive been dealing w this for years now and no one ever helps me or tells me why
01/10/2017	Yes	Other financial service Check cashing	Customer service/Customer relations	PA 191XX	Web
Everytime I try to cash my paycheck at XXXX or any other check cashing service in denied due to a company named Certegy. I do n't understand why everytime I call them they can never give me a reason why they deny me. This is not fair and a paycheck is a valid check! I have provided this company my id and asked for a copy of my file but nothing explains why they have me red flagged
07/26/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 27705	Web
Certegy is reporting on my credit report that I have an outstanding balance in their office for {$1400.00}, from XXXX. I have now called their office several times to inquire about the debt they are reporting. They tell me that I do not have a debt in their office. Nevertheless, they are not taking the account off of my credit report, even though I have disputed it multiple times.
06/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	OH 44120	Web
In XX/XX/2019, I submitted an online dispute with XXXX regarding inaccurate information reporting on my consumer report. These informations on my report has hinder me to apply for a credit union account. Once Ive noticed what information disclosed, I immediately disputed the accounts. I am concern about the reporting of these informations and they should be deleted immediately.
05/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	AR 716XX	Web
My ex had a bank account with XXXX XXXX in Arkansas in 2014 tha t was overdrawn and he never paid it off. I was an authorized user on the account. The amount is {$700.00}. I went to the bank to pay it off on several occasions and they say that my name is not on the account and I am not allowed to pay it off or even make a payment on the debt. But the account is on my report.
08/22/2022	Yes	Money transfer, virtual currency, or money service Debt settlement	Fraud or scam	MD 21215	Web
Currently, I have something on my credit that has curtailed me from opening up a checking account. Chexsystems is reporting that I owe {$2900.00} for a write off that hd insufficient funds. This is false reporting and I need for it to be investigated. The amount is allegedly tied to XXXX and XXXX Bank. I am unaware of this and I have to have this matter removed. Thank You
08/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55408	Web	Servicemember
XXXX XXXX XXXX located in XXXX, Illinois is reporting an unpaid account on my Chex Systems consumer report ID : XXXX, the unpaid account is a fraudulent account and is not my account. I never applied for or opened an account with XXXX XXXX XXXX. The unpaid account is a fraudulent account. I am a victim of identity theft and have a current police report on file with Chex Systems.
05/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 84601	Web
XXXX needs to provide what method they used to verify XXXX XXXX as this account was involved in fraud.I provided a valid police report which they haven't explained how they sent the police report to the furnisher. Did they convert the police report to a numeric code and send that to the bank to verify??? This violates the FCRA as it has to be 100 % accurate and 100 % verifiable.
10/19/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	GA XXXXX	Web
Our checks are getting declined when written at retail establishments. Funds are in the thousands and checks are for less than XXXX dollars. XXXX XXXX XXXX says they have not had anyone trying to get information. The retail establishments blame a company called Certegy. i can not speak to a real person at XXXX or find a way to contact them now. Meanwhile my accounts are useless.
01/05/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MA 021XX	Web
There is a fraudulent account showing on my Chexsystems report with XXXX bank. This account was opened fraudulently in my name. I have attempted to contact Chexsystems on the number that I found on their website and have not been able to get a hold of anybody to resolve this matter. I have filed a police report and I am trying to get it to Chexsystems and have been unsucesssful.
11/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 08816	Web
I called XXXX XXXX to report identity theft. An overwithdrawn amount was sent to collections that I did not know about. I have been trying to dispute with XXXX XXXX debit for my checking account and had no chance to dispute it with the collections agency because I had no idea it existed. Someone tried to cash checks in my name. Overwithdrawn by XXXX and sent to collections.
01/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
I have previously disputed this account but did not attach a copy of the police report from the theft that caused the identity theft. My office was broken into and my identity documents were stolen. Several accounts were opened in my name without my knowledge. I have disputed this directly with ChexSystems and directly with XXXX XXXX XXXX but have not had the item removed yet.
11/07/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	GA 30087	Web
Victim of Identity theft Beginning XXXX. Numerous Police reports Filed. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43224	Web
The accounts reporting inaccurately on my credit report are due to fraud. I am requesting legal documentation from all the listed accounts and items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX. I have already contacted the XXXX Police and filed a report. I also filed a FTC ID THEFT REPORT AS WELL!
04/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	MO 631XX	Web
On XX/XX/2021, I sent Chex Systems a letter asking them to investigate inaccurate accounts reporting on my file. Unfortunately, Chex Systems did not properly investigate the inaccuracies which violates the FCRA section 623 ( a ) ( 1 ) ( C ). In return, Chex Systems verified the accounts without providing proof of verification which violates FCRA 611 ( a ) ( 6 ) ( B ( iii ).
06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 317XX	Web
I am the author of this complaint and the associated attachments included in this complaint on XX/XX/2023 I submitted a complaint to Chexsystems about a inaccurate account that's currently reporting on my credit report I was told that the account was verified but I never received the method of verification according to 15 USC 1681i ( 7 ) Please see the following attachment
12/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I am a victim of identity theft and have a current police report on file with Chex Systems. The following inquiries viewed by others and only by you currently listed on my Chex Systems XXXX Report ID : XXXX are fraudulent and unauthorized inquiries : XXXX XXXX XXXX XXXX, XX/XX/2022 and XXXX Bank, XX/XX/2022. The inquiries are unauthorized, fraudulent, and not my inquiries.
01/24/2017	Yes	Other financial service Check cashing	Customer service/Customer relations	GA 30004	Web
XXXX and a company called Certegy asked for Social security number to cash a check. Why does Certegy have my social? I did n't give it to them. I did n't approve access to my personal information. Can you help me figure how this happened and what I can do about protecting my information? I do n't want this company to have access to my data, yet it seems they do. Thank you.
10/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	PA 19124	Web
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY INVOLVED. I requested the method of verification from chexsystems under FCRA, SECTION 611 ( a ) ( 6 ) ( 7 ). On XX/XX/2021 Chexsystems sent a letter with no response to my request. The letter just has my information that they are reporting a no method in which they verified the information.
02/11/2017	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	OH 44107	Web
I recently tried to open a Business bank account and was unable because they said that my XXXX was on chex systems. I recently called XXXX, and XXXX and was unable to find any accounts. Those are the only companies I recall doing business with. I attempted to request my business consumer report but was unable. I was sent my personal report instead which showed no history.
10/14/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	CA XXXXX	Web
I have requested the XXXXXXXX XXXX ACCOUNT REPORTED AS VLISED DUE TO ACCOUNT ABUSE BE REMOVED FROM CHEKSYSTEMS CONSUMER REPIRT THIS ACCOUNT WAS not INVESTIGATED PROPERLY Nor resolved TO IDENTY THEFT. I was told this would be resolved by XXXXXXXX XXXX they failed to stay in constant communication with me also did not communicate findings nor a resolution to my complaint.
07/23/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MN 554XX	Web	Servicemember
I received my consumer report from Chex Systems and upon reviewing my consumer report, I discovered some unauthorized and fraudulent inquiries listed on my consumer report. The following inquiries listed on my consumer report are unauthorized and fraudulent : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
01/17/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MT 599XX	Web
I tried opening a bank account and was denied. The bank informed me there were 2 bad debt or charge off. The bank would not give me any information except that I had to contact Chex Systems Inc which I have done previously because this has happened before. They never sent me the information, wouldnt email it, and I have no idea what these debts are or who they are from.
08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Was not notified of investigation status or results	FL 34471	Web
ChexSystems, My account is frozen - I need for you to MAIL my Replacement pin to me. Do not send via the online portal - I do not have access to the online portal- as I need a pin- which you never send me. Please mail me my Replacement Pin. Attached to this complaint is : - Drivers license - Social security card - My correct address to MAIL the Replacement Pin to
06/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60419	Web
There are 2 accounts on my report I disputed. I explained this bank put these accounts on my report after my bankruptcy and they were included in the bankruptcy. Chex system Constantly states the bankruptcy was filed prior to the dates associated with the account. Yes it was in XXXX of XXXX and this company report XXXX of XXXX after they were included in the bankruptcy.
08/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27360	Web
Spoke to XXXX, forwarded documentation supporting my claim of this account being fraudulent. It was agreed to be removed, but still showing on chexsystems. I have also today ( X/XX/17 ) contacted my lawyer who will be sending out intent to sue letter, I have had my rights violated under the fcra. Asking that this account be removed from the chexsystems file immediately.
08/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27360	Web
Spoke to bbt, forwarded documentation supporting my claim of this account being fraudulent. It was agreed to be removed, but still showing on chexsystems. I have also today ( XX/XX/17 ) contacted my lawyer who will be sending out intent to sue letter, I have had my rights violated under the fcra. Asking that this account be removed from the chexsystems file immediately.
03/11/2016	Yes	Bank account or service Checking account	Making/receiving payments, sending money	KS 664XX	Web
Was trying to cash a small check and was denied. Called Certegy and disputed the charge that they had on file which was dropped. After receiving a letter today, I noticed a check presented to XXXX store XXXX check # XXXX on XXXX/XXXX/15 for {$94.00} that is not mine. I do n't write check except for my utilities. Very concerned since its my State I 'd # bit not my check.
02/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33433	Web	Older American
I am XXXX years old and have excellent credit history XXXX XXXX, XXXX XXXX, XXXX XXXX. I tried to PURCHASE a CD with CASH from XXXX XXXX and was turned down because of a report from ChexSystems. HOW CAN a company like ChexSystems have this much power??? HOW CAN ANY entity claim that I owe them money and cause me the hardship and TIME LOST in getting this corrected?
05/31/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MN 554XX	Web
Certegy Check Services wo n't approve or accept any of personal checks for payment of services or products due to my personal information being used fraudulently. I have sent numerous letters and police reports to Certegy Check Services informing them someone used my personal information and stole my identity to write checks in my name. I am a victim of identity theft.
09/21/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	MA 02184	Web
Chex Systems is reporting that I have open accounts and derrogatory checking accounts that do not exist. I've asked for copies of account information in which they can not provide. Because of this- and I'm assuming it's fraud- there are multiple banks I can not do business with in regards to opening checking/savings accounts, HELOC 's or even car loans. Please advise.
03/13/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	ND 58201	Web	Servicemember
Chex Systems is reporting on my consumer report a fraudulent and unauthorized checking account from XXXX that do n't belong to me. I am victim of identity theft and someone stole and used my personal information to open up a fraudulent and unauthorized account checking account with XXXX. Attached to this complaints is a police report and letter I sent to Chex Systems.
06/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10025	Web
I reported an account opened fraudulently to XXXX XXXX using my personal information in XX/XX/XXXX. I completed their fraud packet, returned all the materials, and have been following up with them monthly and they have not corrected the information being reported to XXXX XXXX or Chexsystems, nor removed the accounts from these reports as they were opened fraudulently
02/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OR 97213	Web	Servicemember
In accordance with the Fair Credit Reporting Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX A PART OF XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
06/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32803	Web
I contacted XXXX XXXX to inform them of an account that was opened in my name fraudulently that appeared on my credit report. It was deleted from all three credit bureaus, but XXXX XXXX has not deleted the account from their recorders. I would like them to delete the inaccurate account with my information from their data. I have never had an account with XXXX XXXX.
05/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43224	Web
I have several accounts that were fraudulent and I am in the process of clearing up my credit due to the loss of my wallet and my Chex Systems I have filed a FTC identity Please remove the following accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, I have never applied for a XXXX XXXX, XXXX XXXX or any online Payday Loans.
04/12/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	ND 58201	Web	Servicemember
I sent a fax and police report to Chex Systems last month informing Chex Systems that I 'm a victim of identity theft and someone stole my personal information to open the following checking account with XXXX XXXX XXXX # : XXXX. The checking account is fraudulent, unauthorized and do n't belong to me. I have never open or had a checking account with XXXX XXXX XXXX.
08/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90278	Web
I have called and XXXX XXXX and Chex system and they keep telling me to call each other. Chex system says I have a an account of XXXX $ I owe and I never used a XXXX XXXX account I called XXXX XXXX they said they do not see anything that shows I owe this money. Please help me resolve this I cant get a bank account nothing I cant even get my report from Chex system
09/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75134	Web
I didnt no apply for XXXX bank account and i have the dispute open with chexsystems and at first they denied it and im sending them documents to them to get it blocked/removed off my file... and i would like a copy of my chexsystems report .... the dispute in question is XXXX bank xxxxxxxXXXX balance XXXX ... this account was open without my consent this is fraud
08/21/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NJ 07050	Web
I have requested Chex Systems on numerous occasions to remove the the reported information from XXXX XXXX XXXX XXXX and each time it is removed and then re-instated. I have sent a police report, and an FTC Affidavit as these accounts were opened without my authorization. Please remove all inquiries from this credit union and remove the reported information again.
05/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95670	Web
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 15 U.S. Code 1681 section 602 A States I have the right to privacy. 15 U.S. Code 1681 section 604 A Section 2 : States a Consumer reporting agency can not furnish an account without my written instructions
03/26/2015	Yes	Credit reporting	Credit reporting company's investigation No notice of investigation status/result	IL 60560	Web
Went to a bank to open a account and could n't because the information sent from ChexSystem upheld my request. This company never never contacted me. I have lived at the same residence for 12 years. How can they hold you hostage when you are not aware of any problem. Shot first, ask questions later?. How can they get away with this. There practices are un-sound.
12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53218	Web
XXXX XXXX XXXX is reporting my banking private information to other 3rd third party companies without my written consent. They reported my nonpublic banking information to another company by the name of Chexsystems on XX/XX/. This insitution is violating my consumer rights under federal laws of the Fair Credit Reporting Act that their insitution is governed by.
08/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	AL 350XX	Web
These companies are reporting information in regards to a name, bankruptcy and addresses to the credit bureaus that do not belong to me. Despite disputing several times, XXXX XXXX, XXXX XXXX XXXX, Chex Systems, XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX have refused to delete this information from my reports resulting in my credit profile suffering tremendously.
11/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA XXXXX	Web
I have contacted Chex Systems About this account being fraudulent and have submitted the proper documentation and the following bureau has refused to remove the account stating the information is accurate. I have submitted information that my address was never in a city which was stated in Kansas. The account was reported is as follows XXXX XXXX XXXX XXXX XXXX.
05/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	AR 72120	Web
ChexSystems reports to banks and credit unions that there is a security freeze on file. I have removed my fraud alerts from every company involved. Also I never had a freeze with ChexSystems. I dont appreciate the employees half doing their jobs by stating that I dont have a freeze with ChexSystems but fail to realize that credit unions and bank say otherwise.
11/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	NE 68105	Web	Servicemember
I went to open a checking account and was denied because of the information contained in my ChexSystems record. It says I owe money to XXXX XXXX for a checking account. I've never opened any type of account with XXXX XXXX. I disputed the information and never received any response from ChexSystems yet the incorrect information remains on my ChexSystems report.
06/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	PA 19111	Web
I am requesting my Consumer Disclosure Report. I request to access my file to learn more about the personal information ChexSystems maintains about me in accordance with the Fair Credit Reporting Act. I am also requesting this file be EMAILED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX Mailing address XXXX XXXX XXXX XXXX Pa XXXX Date of Birth XX/XX/1984
09/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32444	Web
XXXX XXXX ; XXXX XXXX, XXXX, AR XXXX Reported For : ACCOUNT ABUSE ; Reported Name : XXXX XXXX XXXX Reported XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Reported SSN/ID : XXXX Drivers License : State : Date Reported : XXXX # : XXXX / XXXXOriginal Charge Off Amount : $ XXXXClosure Status : UNPAIDClosure Status Date : XX/XX/XXXX This account was settled in XX/XX/XXXX.
01/29/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 454XX	Web
I noticed some strange stuff on my credit report when I checked it on XX/XX/XXXX. There are accounts I didn't authorize, and I'm starting to worry about identity theft. Just to clarify, I was in XXXX from XXXX to XXXX, so I definitely didn't open any accounts with XXXX BANK during that period. I've also attached the FTC and XXXX reports for your reference.
09/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95833	Web
My complaint centers on Chex Systems reported inaccurate and private information, which has adversely affected my consumer report. They are in violation of the FAIR CREDIT REPORTING ACT ( FCRA ). 15 U.S.C. 1681b ( a ) ( 2 ) et seq.. knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so.
12/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29579	Web	Servicemember
I have been a victim of identity theft and the fraudulent accounts reported below are a direct result of said theft. I've sent in documents to support my claim. Chex Systems has inaccurate info on my consumer report, a name that i've never been know by and a completed different SSN and address is listed that i've ask them to remove and they have refused to.
07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	VA 22408	Web
I lifted a security freeze lifted with Chexsystems using the website on XX/XX/2023 thru XX/XX/2023. I applied for a savings account with XXXX XXXX XXXX on XX/XX/2023. I was denied ; reason being my credit file with Chexsystems is frozen. I called to lift the freeze yet again and it says I already lifted the security freeze from XX/XX/2023 thru XX/XX/2023.
05/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	NY 11221	Web
On a previously submitted case, ChexSystems indicated that they removed any negative information related to me that was involved in my bankruptcy, however, I am still being declined due to information pertained in my ChexSystems file, which is still indicating previous relationships with other FI 's. They have not done anything to remedy this situation.
11/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	ID 83651	Web
CHECKSYSTEMS ... ... THEY HAVE ACCOUNTS LISTED THAT MAKE IT HARD TO APPLY AND GET BACK ON TRACK CAUSE OF THE WAY THEY LIST THINGS OR THEY DONT CARE OR THEY ARE RIPPING ME OF MY AVANTAGE OF GETTING BACK ON MY LIFE .. THEY ARE REPORTING ACCOUNTS WRONGFULY AND MAKING MY LIFE HARD I DONT APPRECIATE THE WAY THEY MAKE ME LOOK BAD OR LOOK LIKE I CANT HANDLE LIFE
09/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	WA 98030	Web
Tried to place a freeze with Chex and XXXX and they are mailing me my PIN in 3 days. XXXX, XXXX, XXXX give it to you immediately online. My area has rampant mail theft and common mail mix-ups. On the likely chance I do not receive this mail, I will not be able to unfreeze my credit with them, and a random stranger could do it instead. It is very insecure.
05/25/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	PA 19144	Web
When I tried to open up a bank account with my local XXXX XXXX I was denied and it was because They said I already had a account that was charged off, but I never had a account with them I was trying to open one. Then I checked my credit report and a closed account with a balance of {$630.00} is listed from XXXX XXXX XXXX XXXX that does not belong to me
07/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	GA 30019	Web
I sent a letter to Chexsystems pertaining to an account from capital one that does not belong to me on XX/XX/2021. I've sent multiple letters to them over the course of 6 months and have not receive a response. They refuse to look into this issue or even respond. Chexsystems is inaccurately reporting misinformation on my report, and it needs to be FIXED.
04/29/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	CA 92154	Web
This started when I was a minor XXXX years old, I 'm now XXXX. XXXX XXXX which is now called XXXX, they indicated I 'm past due in an amount of over {$200.00} which I know I was n't. I was reported to Cheqsystems over 7 years ago and I have no idea how to get this removed so I can open an account. I 've done everything on my side to clear it. What now???
05/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75243	Web
I got a copy of my Chexsystem report and noticed some accounts that I did not authorize. I contacted the companys and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as I am trying to start a new job that these issues are making more difficult than it should be.
01/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
The following credit inquiries viewed by others listed on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized and not my inquiries : XXXX XXXX, XX/XX/2020, XXXX XXXX on behalf of XXXX XXXX, XX/XX/2020, and XXXX XXXX on behalf of XXXX, XX/XX/2020. I am a victim of identity theft and have a recent police report on file with Chex Systems.
11/29/2023	Yes	Checking or savings account Other banking product or service	Opening an account Unable to open an account	KY 42103	Web
The customer service representative told me I didn't have an account. As I continued to login, she said I didn't have an account. Then the system, showed the account was open and had a security freeze that i lifted yesterday. I have been frauded and working my whole life for nothing. This country is terrible, and no one is helping me. PLEASE HELP ME.
04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 920XX	Web
The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I am not aware of this account in my consumer report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
12/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	MN 55429	Web
Chex systems is reporting my information inaccurately and without my consent. this is against 15 USC 1681b and 15 USC 1681e. they have refused to fix the errors and remove this fraudulent report causing damage to me and my family. i have been oppressed from getting bank accounts and a credit union. causing me fines and fees and higher interest rates.
06/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 17110	Web	Servicemember
Chex Systems has reported inaccurate information on my consumer report id number XXXX. Chex Systems also has Americans information at call centers out of America which is a violation of the Patriotic Act. Chex Systems has violated the Federal Fair Credit Reporting Act by committing Financial Deformation and providing adverse, inaccurate information.
12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 303XX	Web
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/28/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	FL 32514	Web
I'm an identity theft victim. The accounts on my ChexSystems report are unfamiliar, and I never dealt with the mentioned banks. I'm addressing XXXX XXXX XXXX claim of an account I don't have. With numerous inaccuracies on my ChexSystems report, it's evident I'm an identity theft victim. It's frustrating to see things on my report that aren't mine.
04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95661	Web
Someone did a fraudulent Ach from my checking account. The account was over drafted. I had submitted an affidavit to XXXX XXXX that these were fraudulent withdrawals. They acknowledged the problem, it has never been cleared thru ChexSystems. I am unable to open any accounts at any banks. I have tried numerous times to get this off my credit report.
12/09/2022	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	FL 33025	Web
XXXX XXXX XXXX has flagged me which is causing me to not be able to open an account. XXXX XXXX XXXX XXXX is claiming fraud on an account. Being that my phone was stolen unauthorized charges and check deposits were made in which I am not responsible. Name of Bank : XXXX XXXX XXXX XXXX XXXX I have previously disputed this and received no updates
12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 777XX	Web
I'm trying to apply for credit but do to the fact that chexsystems, XXXX, XXXX and XXXX are reporting different things companies are using their reporting against me I can't open a bank get a loan credit, credit card nothing to help because of what the companies are reporting I have lost my job because I can't can't get funding on and it's unfair.
04/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
I am a victim of identity theft. My apartment was broken into and several ID documents stolen. After the theft several accounts were opened in my name. I reviewed my chexsystems report and found the following account reported : XXXX XXXX XXXX / XXXX XXXX This account is not mine and I did not open it. I have attached a copy of the police report.
03/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	CA 91206	Web
ChexSystems reports XXXX derogatory account and XXXX bankruptcy on my report which is not correct and negatively affects on my credit history. I have never filed XXXX or had any derogatory account whatsoever. As a proof, I will also attach my 3 Credit Bureau report which will show no such account or public record on file. RE : Consumer ID : XXXX
02/06/2018	Yes	Checking or savings account Other banking product or service	Incorrect information on your report Information belongs to someone else	GA XXXXX	Web	Servicemember
I have contacted the ChexSystems about two accounts thats showing on my file. XXXX and XXXX XXXX. I have asked chexsysystem to remove these accounts but they refuse to do. I would like Proof that these accounts belongs to me. XXXX sent me some bank statements. thats not what I would like. I want some the orgianal documents from XXXX and XXXX XXXX.
06/17/2015	Yes	Credit reporting	Incorrect information on credit report Public record	MI 483XX	Web
I filed for Chapter XXXX Bankruptcy and included items listed in Chex Systems in the Bankruptcy. I continue to receive decline notices because of the Chex Systems and the items were discharged today. Please have Chex Systems remove these negative items as I am unable to participate fully in the banking system and the items are improperly reported.
03/26/2015	Yes	Credit reporting	Incorrect information on credit report Account status	MD XXXXX	Web	Servicemember
I phoned the service and the bank and have not gotten any where. The account was closed and although, I do not feel like any money was owed it was paid anyway so that they would leave me alone. There was fraud on the account and they still made me pay and the charges did n't have my name connected to them. So the is just in no way right at all.
04/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43110	Web
I have an account that needs to be updated to the correct status. I had a joint account with my son XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXXXXXX the account was reported to CHEXSYSTEMS on XX/XX/2022. This account has been resolved. PAID IN FULL.My Consumer ID is XXXX for XXXX XXXX in the CHEX SYSTEM DATE BASE.
12/09/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MA 02118	Web
I am having a problem with my Chex systems report. There is an account that is showing on my file with XXXX that was opened fraudulent. I have attempted to contact Chexsystems an only get an automated system. I have filed a police report and I am trying to see where do i have to send it to but have been unsuccessful in getting through to anyone.
11/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 078XX	Web
ChexSystem is reporting inaccurate bank account data on me and they do not have my written consent to report any information. There are inaccurate addresses and other personal information in the report. The bank, XXXX XXXX XXXX is an unreliable source. ChexSystem does not have permissible purposes to report any information on me as a consumer.
07/05/2017	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	TX 76179	Web
My account with XXXX XXXX balance wa s discharged in a Chapter XXXX Case # XXXX filed XX/XX/XXXX a nd converted to a Chapter XXXX XXXX filed XX/XX/XXXX . T o date XXXX Chex Systems has continued to report my account negative. I was granted relief from this debt and I want the account removed from Chex Systems immediately.
12/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Received unsolicited financial product or insurance offers after opting out	TX 77584	Web	Older American, Servicemember
trying to open a new bank account denied because of a report from chexsystems containing fraudulent information of credit or bank inquiries not me but identy theft preventing me from opening a new bank account with applications for bank accounts and credit not by me therefore blocking me from opening a bank account as tey say deny to the banks
11/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32725	Web
I have reached out to this company multiple times regarding the multiple fraudulent accounts reporting on my ChexSystems report. They are still reporting on my ChexSystems even after providing supporting documentation to prove it is not mine. There are multiple addresses that do not belong to me and they're still reporting on my credit report.
01/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75134	Web
I disputed a XXXX XXXX account on my Chexsystems report and they didnt remove it off my file and I paid that balance in full. And Im requesting they reopen the investigation.. I never applied for this bank but I Did paid off the balance I dont owe {$400.00} I owe the bank XXXX and I need this corrected and remove I dont owe this balance at all
08/25/2018	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	CA 90004	Web
My Name, Is XXXX XXXX. I would like to complain the ChexSystems XXXX The giving a negative report agains me thats why I cant open a account to any banks I trying to get the information or the report agains me using Electronic system and they said I need to wait within two business days but its already one week I never Receive mail from them..
10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web
I have numerous inquiries viewed by others and me on my Chex Systems Consumer Report which is preventing me from opening up a checking account. I shouldnt have any inquiries listed or showing on my Chex Systems Consumer Report. The inquiries currently listed and showing on my Chex Systems Consumer report are unauthorized and not my inquiries.
07/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	PA 19104	Web
I have called ChexSystems multiple times to unlock my account, but representatives have not been able to do this. I am trying to log into my consumer portal and I keep getting the message saying that an administrator has locked my account. I am unable to reset my password and I have tried the " I think my account is locked '' troubleshooting.
03/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Was not notified of investigation status or results	NY 11235	Web
I submitted request for Consumer Disclosure Report three times. First timeXX/XX/2020 by mail and on XX/XX/2020 online and XX/XX/2020 by fax. I have never received any report showing any negative accounts information or letter stating that I was removed from ChexSystem.They do not have a live person line and I facing the wall at this point.
03/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75082	Web
Chexsystems is reporting Account abuse on my report with them per XXXX XXXX XXXX XXXX XXXX. I have contacted both the bank and Chexsystems numerous times. They refuse to remove the information even though I have never had an account with XXXX nor have I ever abused an account. This is causing major issues opening a checking account anywhere.
07/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 368XX	Web	Servicemember
I ordered a statement form ChexSystems and it says that I have a balance with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ga XXXX. Phone number XXXX. It states that a balance of {$660.00} is unpaid. My husband and I paid this off in XX/XX/XXXX. I would like to have this removed from ChexSystems. It is saying that is was reported on XX/XX/XXXX.
08/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	CA XXXXX	Web
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C. 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy. 15 U.S.C. 1681b 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.
07/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11561	Web
ChexSystems has a broken online system. I told them that they reported my account was closed at XXXX in which I don't consent to ChexSystems storing my information ever. Similarly, when I go to their website, the website doesn't work properly. The individual on the phone on XX/XX/XXXX hung up on me and refused to help. This is unacceptable.
05/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 319XX	Web
There is someone in XXXXXXXX XXXX XXXX XXXX that keeps using my social security number. Ive had it removed and freezes put on my reports but his information keeps popping up using my social security number. Ive contacted the police, credit bureaus, and all. He has a lot of names and addresses connected to him and his address. I live in XXXX
02/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MI 48228	Web
I hope this message finds you well. I am writing to request an updated report on the current status of my ChexSystems. As I continue to monitor and enhance my financial processes, having the most recent information is essential for informed decision-making. Please provide me an updated report of my checksystem and send it in my email XXXX.
06/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	PA 17110	Web	Servicemember
Chexsystems has and is still reporting me as an adverse account. I spoke with XXXX XXXX, of Chexsystems who was no help. Chexsystems is reporting an Account that has been paid in full as adverse action, which causes me Financial Deformation because I am unable to open up a basic checking account. My Chexsystems report consumber ID is XXXX.
08/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	CA 95926	Web
Upon presenting a personal check on XXXX separate occasions, merchants being, XXXX, and XXXX my. Check was refused. Advising me ceretgy advised them not to accept my check and that i need to contact ceretgy i did so XXXX times and each time i was told there was nothing in their system indicating a bad check. Or a debt in collection nothing
07/05/2017	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	TX 76179	Web
My account balance with XXXX XXXX was discharged in a Chapter XXXX Case # XXXX filed XX/XX/XXXX a nd converted to a Chapter XXXX XXXX file d XX/XX/XXXX . T o date Chex Systems has continued to report my account negative. I was granted relief from this debt and I want the account removed from Chex Systems immediately.
07/05/2017	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	TX 76179	Web
My account balance with XXXX XXXX XXXX was discharged in a Chapter XXXX Case # XXXX filed XX/XX/XXXX and converted to a Chapter XXXX XXXX filed XX/XX/XXXX . To date Chex Systems has continued to report my account negative. I was granted relief from this debt and I want the account removed from Chex Systems immediately.
06/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85122	Web
It is showing 3 XXXX XXXX XXXX accounts on Chexsystem and one even shows the wrong social security number I have disputed these and they still remain on my record I have contacted XXXX XXXX XXXX they have sent me information showing accounts at addresses that I never lived at they show my social security number but they dont belong to me
10/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77459	Web
I am a victim of identity theft and while remedying the effects, I have ordered my Chex Systems report. On this report there is an account with XXXX XXXX that was not opened by me. This account was opened fraudulently. I have submitted documentation to Chex Systems and the fraudulent account is still reporting on my Chex systems report.
04/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94061	Web
I banked with XXXX a few years ago and had fraudulent over drafting on my checking account via XXXX - I submitted a fraud request and was never given the approval or able to work with somebody regarding this. Years later it is still marked as Account Abuse on ChexSystems and I would really like to get this resolved & removed from there.
02/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
The following credit inquiry listed on my Chex Systems Consumer Report ID:XXXX is fraudulent and unauthorized : XXXX XXXX, XX/XX/2021. The credit inquiry is not my credit inquiry. I am a victim of identity theft and has a current police report on file with Chex Systems for identity theft, fraudulent accounts and credit inquiries issues.
04/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08043	Web
My identity and personal information was stolen without my knowledge and or consent. Accounts were opened and services applied for without my knowledge and or consent. I have notified these companies and tried to resolve the issue with them to no avail. They refuse to close these accounts and remove them from my name and credit reports.
01/27/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	SC 29708	Web
I 'm a victim of identity theft and Certegy cleared my file from the negative information. Because a law enforcement agency claimed that the bad stuff that I 'd already been proven not guilty of they asserted it back to me. I demand Certegy follow the law and remove it once again because it is not mine and already proven not to be mine.
03/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 75068	Web
It was stated my report has been updated, I received no proof such as a credit report which the company usually sends to me if something has been fixed, changed or updated. I also did request a copy of my report showing proof my credit profile and report was indeed updated. its been over a month and I have still yet to receive anything
11/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	LA 70815	Web
On XXXX report, it shows that XXXX XXXX XXXX that I owe a balance of {$310.00}. The alleged account also states that it was closed XX/XX/2013. I have no knowledge of this account. Also the alleged account was closed over 5 years ago and needs to be removed from my XXXX report. After the account is removed please send me another report.
04/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	CA XXXXX	Web
chex systems has not removed my information off there reporting system. XXXX XXXX XXXXXXXX has claimed there was fraud on my account which there was not due to the privacy act my rights have been violated claiming this information this account was closed on XX/XX/2018 ive disputed this item several times and no resolution has happened
07/05/2017	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	TX 76179	Web
My account balance with XXXX XXXX was discharged in a Chapter XXXX Case # XXXX filed XX/XX/XXXX an d converted to a Chapter XXXX XXXX filed XX/XX/XXXX . To date Chex Systems has continued to report my account negative. I was granted relief from this debt and I want the account removed from Chex Systems immediately.
01/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	UT XXXXX	Web
I have sent several request to remove inaccurate addresses to Chex systems and there response is that the addresses are given to them by the banks. I have contacted every single bank and they stated they are reporting the correct address of my current address. Therefore, all these other address and name variations need to be removed.
08/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 190XX	Web
Chexsystems is housing invalid information about me in there consumer reports. It has prevented me from opening up accounts at other financial institutions. I have tried to fix this issue on several occasions yet it stills remains. It has caused me to get hard inquiries only to be denied due to the false reporting from chexsysytems.
06/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	CA XXXXX	Web
on todays date I obtained a report from Chex Systems. I found multiple violations including 15usc 6802 subsections ( a ) and ( b ) which prohibits the disclosure of my non public personal information without my consent!. I Am A CONSUMER FEDERALLY PROTECTED BY THESE LAWS AND IT IS ILLEGAL to report these to anybody without my consent
03/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07304	Web
Received a notice in the mail from " Complete Payment Recovery Services, INC '' stating that an electronic payment in the amount of {$4.00} was returned unpaid and has been referred to Complete Payment Recovery Services for collection. I've never heard of this organization. The letter was addressed to " XXXX XXXX '' with my address.
04/12/2017	Yes	Bank account or service Checking account	Problems caused by my funds being low	ID 83651	Web
I have asked this company many times to update and correct my info and the banks that they have listed correct their wording on the listing they have on this company. I have never done anything wrong to make them list the wrongful items. But this company isnt doing the corrective matters. They are just making it harder for my life.
02/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I am a victim of identity theft and has a current police report on file with Chex Systems. The following reported information and inquiries viewed by others listed on my Chex Systems Consumer ID Report XXXX are fraudulent and unauthorized : XXXX XXXX XXXX$27.00}, XXXX XXXX XXXX XXXX, XX/XX/2022, and XXXX XXXX XXXX XXXX, XX/XX/2022
01/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	TX 79936	Web
Check Systems is reporting false and misleading information about me. I want it removed from their system .cease and desist immediately. I will contact my attorney , I will also charge XXXX that inaccurate info stays on my file starting today . Check systerm dispute XXXX. Remove asap or pay me XXXX daily .Ftc and BBB complaints.
03/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WI 53204	Web
Chex Systems has a inquire on my report that's not mind. Made by a company named XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. I made a complaint with consumer finance in the past. I was a victim of fraud, this inquire was not made by me. I never opened up a account with them, I would like this off my record.
01/13/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA XXXXX	Web
CHEXSYSTEMS HAS REPORTED XXXX XXXX CLOSED MY ACCOUNT UNDER DEROGTORY CIRCUMSTANCES & I CAN NOT OPEN AN ACCOUNT WITH ANY BANK NOW NOR FID XXXX XXXX HAVE THE RIGHT TO CLOSE MY ACCOUNTS DUE TO THE INFORMATION PROVIDED WAS INCOMPLETE, IE IDENTIFY THEFT & FRUAD.I SUBMITTED THE AFFIDAVIT TO CHEXSYSTEMS WITH THE INFORMATION REQUSTED.
04/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77406	Web
There are MULTIPLE fraudulent items on my CHEXSYSTEMS report. I have reached out to these companies MULTIPLE times in regard to the fraudulent items and they're still reporting on my CHEXSYSTEMS report. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. These accounts are not mine.
03/10/2021	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	TX XXXXX	Web	Older American, Servicemember
XX/XX/2021, XXXX XXXX XXXX declined my option to open a checking account based on ChexSystems records indicating that there is a 3rd party alert on my profile. XX/XX/2021, XXXX XXXX XXXX XXXX declined my option to open a checking account based on ChexSystems records indicating that there is a 3rd party alert on my profile.
05/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Problem canceling credit monitoring or identify theft protection service	TX 78109	Web	Servicemember
In the past ive had identity Theft so theres alerts on my credit i cant write checks or open a bank account due to chex systems error. Please Ive been trying to clear this out but been unsuccessful. The financial institutions stated its chex systems reported theft. please lift what ever is on chex systems .thanks XXXX XXXX XXXX
09/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91360	Web
I am sick and tired of having to spend so many countless hours trying to fix the mistakes created by both ChexSytems and XXXX XXXX XXXX. I am a XXXX Citizen ( Attached Proof ). I have attached a copy of a XXXX that I intend to file if ChexSystems does n't remove the negative/inaccurate mark from XXXX XXXX XXXX. Final warning.
12/14/2016	Yes	Credit reporting	Incorrect information on credit report Account status	PA 191XX	Web
I had a debt from XXXX on my chex system report and the debt was satified on XXXX/XXXX/2016 and XXXX call me to confirm the they updated my status in chex system to satified and it still not updated after the time they said they need to update the system its been over the time period and i cant get no response from chex system.
11/11/2015	Yes	Other financial service Check cashing	Customer service/Customer relations	IN 460XX	Web
I went to XXXX first then to a XXXX ( XXXX ) Supermarket to cash a tax refund check from XXXX ( I live in XXXX ). Both places use certegy ( Formerly Equifax ). Both places refused to cash the check and gave no reason why. I called the customer service to find out why and again, they gave me no reason for the denial of service.
11/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	AZ 85006	Web
I have request that chexsystems remove this credit freeze from my report. I have mailed thoccasionsem my docs requesting removal of thier product. I sent them my documents on multiple occasions. They continue to disregaurd my rights. I spoke with XXXX # XXXX, XXXX # XXXX, I need this security freezed removed from my file. Now!
10/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 452XX	Web
sent dispute on XX/XX/2021 to XXXX, XXXX, XXXX and, chex system through certified mail no. ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) .with a formal dispute with instruction and a affidavit of truth and facts or notice of intent to sue for violation committed by these companies disregarding the law taking abuse on a consumers rights.
02/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MD 21012	Web
I open accounts with XXXX XXXX XXXX and had fraud and my card stolen at the time, went to the bank filled out paperwork and told I wouldnt have to do anything else. Left bank. One week later went to follow up and whole branch closed XXXX XXXX - XXXX, MD Branch this was 2016 Now they are on reporting Chex Systems and its fraud!
07/05/2017	Yes	Checking or savings account Checking account	Closing an account Can't close your account	TX 76179	Web
My account balance with XXXX was discharged in a Chapter XXXX Case # XXXX filed XX/XX/XXXX and converted to a Chapter XXXX XXXX filed XX/XX/XXXX . To date Chex Systems has continued to report my account negative. I was granted relief from this debt and I want the account removed from Chex Systems immediately.
07/07/2023	Yes	Checking or savings account Checking account	Credit monitoring or identity theft protection services Didn't receive services that were advertised	CA XXXXX	Web
XXXX BANK HAS REPORTED FRAUDENT ATM CHARGES AND OTHER SERVICES ON MY CHECSYSTEMS REPORT BUT IVE NEVER BANKED EITH XXXX OR ANYOTHER VANK IVE ALWAYS BEEN UNDER MY PARENTS ACCOUNTS. IVE DISPUTED MIRE THAN ONCE SENT IN POLICE REPORTS IS SSN CARD VERIFICATION ADDRRSS YET THEY STILL WONT REMOVE IT STATING IT WSS NE WHEN IT WAS NOT.
04/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85345	Web
Chexsystems has outdated information and per fcra any inaccurate information needs to be deleted immediately. I'm not trying to verify but validate the validity of its claims. I need proof where I am obligated to their claims. Untill then reporting otherwise is considered fraud. XXXX XXXX XXXXXXXX XXXX report need validation.
01/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 08094	Web
I constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items with removal of this fraudulent account.
05/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77084	Web
There is some unfactual information on my report and needs to be removed from my credit file immediately. My information was stolen after someone broke into my house and I have been seeing many requests to open accounts in my name that I have not requested. I have no knowledge of this and I am requesting that this be removed.
05/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19151	Web
I have been a victim of identity theft by someone whom I do not know. I am unsure how long this has been going on. This is severely impacting my financial wellbeing. If you see any suspicious activity, this was not done by me. Bank accounts were open in my name. I contacted XXXX and they did not remove the fraudulent account.
05/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 75002	Web
I have sent proof and have asked repeatedly for them to delete the account due to inaccurate information. ChexSystems agreed that is was inaccurate and removed the account but yet reinserted the inaccurate information. I have included a notarized statement of truth as well the case number to my previous dispute with the CFPB.
08/10/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	TX XXXXX	Web
Two accounts were opened and used to make and receive fraudulant transactions. XXXX XXXX about {$700.00} XXXX XXXX XXXX about {$90.00} My identifying information was stolen by XXXX XXXX and XXXX XXXX who were both convicted of Fraud and Theft. They assumed my identity to open accounts and make payments as if they were me.
06/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44137	Web
In accordance with the Fair Credit Reporting Act, Chexsystems ( XXXX XXXX account # XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
08/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93630	Web
I tried to open an checking account at XXXX and they denied me due to wrong information on my account. They said I had a negative reporting from XXXX. I have never done business with XXXX. This is fraudulently on my account. How do I get this off of my information. The entity showing this on my profile is called Chexsystems.
09/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	NC 27127	Web	Servicemember
The consumer reporting system that verifies checks are bank accounts has outdated information from 1996 and continues to report to companies but fails to let me know what they are reporting. I have recieved a notice to contact the company for questions but they REFUSE to give me information on what is being reported and WHY.
06/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN XXXXX	Web	Servicemember
I am a victim of identity theft. Someone stole my personal information and opened a fraudulent and unauthorized checking account wi th XXXX XXXX XXXX , XXXX XXXX XXXX and XXXX XXXX . The checking accounts are listed on Chex Systems consumer report and are fraudulent, unauthorized, and do n't belong to me.
11/13/2023	Yes	Checking or savings account Checking account	Problem with a company's investigation into an existing problem Investigation took more than 30 days	CA 91356	Web
According to my chexsystem report I have one issue XXXX XXXX because this accounts open fraud my cousin XXXX XXXX who lives with me since XXXX until end of XXXX ( same Address ) used my identity with out my permission I report to XXXX XXXX also I explained to chexsystem but unfortunately Chexsystem dont give me right answer
10/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 078XX	Web
Complete Payment Recovery Services Inc has obtained my personal information without my authorization. I don't know who they are and have never agreed to do business with their company. I dont have a contract with their company. They are attempting to extort me for payment. This is causing me emotional and economic distress.
07/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55408	Web	Servicemember
I am a victim of identity theft and Chex Systems has a police report on file for Consumer ID : XXXX for me being a victim of identity theft. The following Reported Information listed on my Chex Systems Consumer Report is fraudulent, not my account and is the result of identity theft : XXXX XXXX XXXX, XX/XX/2020, {$2500.00}.
08/25/2015	Yes	Credit reporting	Incorrect information on credit report Personal information	NJ 07050	Web
XXXX Dispute for XXXX to remove fraudulent address 's, Drivers License. I have attached, Police Report for Identity Theft, Notarized Statement stating that I have n't lived at these places. Your refusal to remove these disputed information because your Bank members are the ones that has reported them is wrong. Remove them!!
07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63031	Web
In detail, Chexsystems is reporting that I have a XXXX XXXXXXXX amount with XXXX XXXXXXXX XXXX XXXX on or around [ XX/XX/2019 ]. I am disputing this report because I believe it to be inaccurate, false, and fraudulent 15 USC 1681. I am requesting evidence of this unresolved outstanding negative report from [ Chexsystems ].
01/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 802XX	Web
Chexsystems has knowingly been reporting inaccurate information to banks and reporting agencies in reference to my social security number. Ive disputed and had fraud alerts, police reports sent into them concerning someone having an active account at multiple banks within XXXX Georgia in my name but under different social.
05/24/2016	Yes	Credit reporting	Incorrect information on credit report Account terms	FL 33033	Web
XXXX is reporting me and im not able to open any bank account, and everytime that i call them or they tell me that if i want to be remove from their system i have to pay a several amount of money : example like XXXX and i have no reason to paid that amount and neither be on their system cuz i dont owe any money to any bank
09/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30904	Web	Servicemember
Upon inspection of my credit report, I noticed the following information is incorrect : Address - Any other addresses are undeliverable, and I have no access to them. Please remove these incorrect addresses immediately. Attached is the supporting documentation to validate my dispute. Please update your records promptly.
01/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
The following 4 credit inquiries listed on my Chex Systems Consumer Report : XXXX are fraudulent and not my credit inquiries : XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX, XX/XX/2020, and XXXX XXXX XXXX, XX/XX/2020, I am a victim of identity theft and Chex Systems has a recent police report on file.
08/12/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NY XXXXX	Web
I have called and called ChexSystems concerning incorrect information on my consumer reports and they have never once returned my phone calls. Recently, XXXX/XXXX/2015, I was refused an " XXXX University Student Checking Account '' with XXXX Bank because of incorrect information that ChexSystems has on my consumer report.
02/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48038	Web
XXXX XXXX XXXX is reporting to my chexsystem that I owe them {$600.00}. I called XXXX XXXX XXXX and they said they do not see my having a balance. When I asked them to remove this from my chexsystem they said they could not do so because it would affect their rights to report to any credit bureaus. I need this fixed ASAP
02/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20815	Web	Servicemember
XXXX XXXX Bank and XXXX responded on a cfpb report stating they did not provide the reporting therefore based on XXXX XXXX Bank and XXXX response i demand account get deleted from my Chexsystems file ASAP See the cfpb cover page with cfpb number screenshot As XXXX XXXXXXXX XXXX And XXXX to provide the report and response
08/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07644	Web
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
03/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27407	Web
XXXX XXXX XXXX has suspicious activity listed on my XXXX XXXX report which is keeping me from getting an account with them or any other bank I have asked them to remove it and called them on several occasions and wrote them they have no proof and I never did anything fraudulent I had identity theft my car was broken into
05/25/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 45458	Web
XXXX XXXX accepted a check from my company that was reported lost or stolen. A stop pay had been put on the the check. The XXXX customer closed their account before XXXX realized the check had a stop pay placed. The XXXX customer is liable for the amount of the check, not my company. The XXXX customer committed fraud.
09/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	DC 200XX	Web	Older American, Servicemember
ChexSystems provides canned answers to my request to correct ( essentially to do their job and actually review and compile a credit report ) my credit report. I tried several time to file a complaint about their missing information resulting in and inaccurate report. They simply won't respond with an actionable answer!
05/21/2022	Yes	Checking or savings account Checking account	Closing an account Fees charged for closing account	DC 20020	Web
Chexsystem reporting incorrect information about me, however, who gave this company permission to have my information. The information is misleading and incorrect there are items are on there that were included in bankruptcy, and is prohibit me from opening an accounts. I would like for this information to remove asap.
04/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NC 28262	Web	Servicemember
The company Chex Systems , Inc. is reporting two accounts to my Chex Systems report. These two accounts have been paid in full and per the company, these accounts will be removed from Chex Systems when the balance has been paid in full. Source of Information : XXXX XXXX XXXX Amount - {$180.00} Amount - {$450.00}
01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85719	Web
These companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to, they have have not provided any records.
12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	IL 622XX	Web
To better access my XXXX report, I attempted to sign up for an account via the online process in XXXX of 2023. Each attempt results in an error saying that " a security quiz '' can not be generated on my behalf. After contacting XXXX, they provided no resolution moving forward. My goal is to simply create my account.
07/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	WI 53027	Web
CHEXSYSTEMS is reporting innacurate information on my consumer report. I asked for documentation from CHEXSYSTEMS verifying the allegations from the institutions on my consumer report. CHEXSYSTEMS have failed to correct the problem and did not provide valid documentation to verify these negative remarks on my report.
08/16/2017	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	NY 10128	Web	Servicemember
ChexSystems continues to deny my application for banks regardless of countless amounts of inaccurate information and future dating old, fictitious accounts, preventing me from opening new accounts and collecting revenue from their business model of " check credit repair '' I am making sure this is a public complaint.
04/14/2015	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	TX 781XX	Web
Was opening a new cd @ my financial institution XXXX XXXX Bank in XXXX Texas XXXX on XXXX/XXXX/2015. They ran my social # thru ChexSystems for verification I guess and it shows a discrepancy was discovered that associates the social security # I provided with another individual 's account information.Complaint # XXXX
02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 389XX	Web
I BEEN CONTACTING CHEX SYSTEM ABOUT THESE FRAUD 5 BANK ACCOUNTS FROM XXXX XXXX XXXX XXXX .I SENT IN DOCUMENTS TO HAVE THEM REMOVE BUT THEY NEVER REMOVE THEM. THEY EMPLOYEE HAVE LIED TO ME SEVERAL TIME ABOUT COMPUTER DATA ISSUE BUT IM STUCK WITH THESE ACCOUNTS ON MY FILE AND ITS EFFECTING MY LIVELYHOOD AND MY FAMILY.
01/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33844	Web
Ive reached out to Chex System in regards to a paid debt XXXX XXXX XXXX and dispute because it was showing incorrect information. I sent in documents and communicated. Now company is saying the will no longer take any dispute from me and should be against the law to keep inaccurate information on my consumer report.
08/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37013	Web
I recently received my chexsystems credit report. In my report I found a checking and savings account being reported as a personal account that were not personal accounts. Both of the accounts being reported were opened as business accounts not personal accounts. The bank reporting the information is XXXX XXXX XXXX.
04/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	XXXXX	Web
on my XXXX report, I have found collection account from XXXX XXXX XXXX, however I do not have any relation to this bank, and account seems to be opened under my name fraudulently, as I am not living in the XXXX for XXXX years Date reported : XX/XX/2019 Account number last XXXX digits : XXXX The amount owed : XXXX $
11/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39209	Web
In accordance to The Fair Credit Reporting Act 15U.S.C.1681s-2 ( A ) ( 1 ) your company, Chexsystem, is reporting inaccurate information on my consumer report.The account listed on my consumer file with my consumer id XXXX on XX/XX/2022 must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX.
07/24/2022	Yes	Checking or savings account Other banking product or service	Opening an account Unable to open an account	NC 281XX	Web
On XX/XX/2022 I sent in proof to chexsystem to provide proof of my identity per there document guide lines a letter from social security office a certified copy of my drivers license and a current utility bill and I heard nothing back from them and my file is still not corrected with my correct personal information
04/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	SC 298XX	Web
I have resolved this matter with the bank but XXXX is refusing to remove this from the file. The reported information has stopped me from getting bank accounts with other banks and creating business relationships with other banks. I have contacted the bank and they advised that i will need to get XXXX to remove it.
01/05/2024	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	TX 761XX	Web
I am the victim of identity theft and hacking. I recently was denied a checking account due to incorrect and false information from ChexSystems. I have disputed the information and supplied a police report and court Order stating I am a victim of identity theft. I need the fraudulent inquiries removed and deleted.
11/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ XXXXX	Web
To Whom It May Concern : You are reporting inaccurate and/or incomplete information concerning me in consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. The following tradeline ( s ) you are reporting concerning me is/are inaccurate and/or incomplete :
04/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22033	Web
ChexSystems is reporting delinquent information attached to my SSN and when I filed bankruptcy, all of the information was to be removed and zeroed out. I do not owe any banks or financial institutions. I have tried numerous times to work with ChexSystems, but the inaccurate information continues to be on my file.
09/18/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	AZ 85340	Web
Chex Systems has received letters, faxes, and police reports as well as verified evidence showing that it was not possible for me to have the listed accounts. Chex Systems negligently refuses to remove the fraudulent accounts. The only action left for me to do is file a lawsuit, which I 'm more than willing to do.
12/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75150	Web
This was a case of identity theft. I never opened this account in my name. I have no recollection of obtaining or opening this account, my identity was stolen years back this has to be a part of that situation. I'm asking them to drop/close the account I had/have nothing to do with this account ever. It's not me.
04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 64063	Web
CHEXSYSTEMS IS REPORTING AN UNPAID BALANCE ON AN ACCOUNT THAT HAS BEEN PAID IN FULL. XXXX XXXX HAS BEEN PAID IN FULL AS OF XX/XX/2023 AND THEY HAVE SENT CORRESPONDENCE TO CHEXSYSTEMS. CHEXSYSTEMS HASN'T UPDATED THE STATUS OF THE ACCOUNT EVEN AFTER XXXX XXXX HAS INFORMED THEM OF THE CORRECT STATUS ON XX/XX/2023.
08/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
I am a victim of identity theft and has a current and recent police report on file with Chex Systems. The following Inquiries Viewed Only By Me currently on my Chex Systems XXXX Report ID : XXXX is an unauthorized and fraudulent inquiry : XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/2022.
01/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OK 73099	Web
Chexsystems did not provide me with copies or verification how the following accounts were opened. i have asked on several times for copies of signature cards to verify if they were my accounts ( XXXX/XXXX/2022 ). The following accounts are not mine, XXXX XXXX, XXXX XXXX XXXX Bank XXXX Oklahoma ( XXXX Accounts )
09/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	DE 199XX	Web
Can not get in contact with someone to validate an alleged debt, Organization will not provided contract with my signed signature validating proof of alleged debt. I've continued this organization on multiple occasions. I DO NOT GIVE THEM CONSENT TO REPORT MY PERSONAL INFORMATION TO ANY THIRD PARTY ORGANIZATION.
11/04/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	WA 99203	Web
This last year my identity was stolen. The person who stole my identity tried to open a bank account with the XXXX XXXX XXXX. Now my file with Chexsystems has suspect fraud activity attached to it. I am trying to open up a health saving account, and I am unable to do so because this fraud is attached to my name.
07/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30252	Web
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
11/30/2016	Yes	Bank account or service Checking account	Problems caused by my funds being low	FL 32779	Web	Servicemember
Currently check systems has a fraud alleret on me, as well as the other company 's used by banks to open an account. I have tried to get it off, but I ca n't. I do n't owe any money to any banks. This is from XXXX XXXX XXXX. I wat this removed asap. This is making my life hard to live. And it is not true
08/05/2022	Yes	Credit card or prepaid card Government benefit card	Unexpected or other fees	CA 92804	Web
On Tuesday XX/XX/XXXX I had money put on my card by XXXX XXXX total of {$420.00} and I noticed at XXXX. There was a transaction was made of the amount of {$400.00} leaving me with {$20.00} left the transaction was made XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA US cash charge {$3.00}.
01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 802XX	Web
I called chexsystems in XXXX in regards to several errors on my report. Chexsystems had my file mixed up with someone else 's, they had address that I never lived at, names that I never used, several inquiries and and account that I never opened from XXXX XXXX XXXX XXXX, clearly there is some fraud going on.
10/18/2023	Yes	Checking or savings account Checking account	Opening an account Account opened without my consent or knowledge	CA 93314	Web
I recently tried to open a bank account and was told that i couldnt because i was in check systems. After doing investigation, i remembered that i had lost my wallet around this time and someone used my information yo open up a bank account and XXXX XXXX XXXX then closed it because of fraudulent activities.
06/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 317XX	Web
I AM THE AUTHOR OF THIS COMPLAINT AS WELL AS THE ATTACHMENTS INVOLVED IN THIS COMPLAINT I checked my credit report and I noticed a inaccurate account on my report from XXXX XXXX involving Chexsystems this inaccurate account is causing me stress and XXXX and it also affecting my mental and financial health
08/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	DE 19701	Web
chexsystem continues to report a fraud account from XXXX XXXX # XXXX with prev fraud balance {$870.00} and {$330.00} when this fraud was reported to creditor XXXX XXXX and they agreed it did not belong to me do to there neglect on having no video or proof of debit withdraw transaction for the amount listed.
05/01/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	FL 33062	Web
Chexsystems reporting fraud from XXXX XXXX XXXX on my accounts were fraud was reported and case number from the FTC dated XX/XX/XXXX. I have tried to fax and mail copies of filed fraud and still no response. Chex Systems took the information from XXXX XXXX XXXX and is unfounded and investigated for fraud.
09/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	GA XXXXX	Web	Servicemember
I sent ChexSystems a letter requesting my full file disclosure as well as my report and in turn they would only send me a score. I provided proof of my identity as well as proof as address as required and they are still not sending me the information I requested and sent me a score that I didn't request.
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92113	Web
IMY INFORMATION WAS USED WITHOUT MY KNOWLEDGE. I AM A VICTIM OF IDENTITY THEFT. I HAVE CALLED AND FOLLOWED UP WITH THIS COMPANY MANY TIMES TO HAVE THEM REMOVE THIS FRAUDULENT ACCOUNT. THEY CONFIRMED A XXXX BALANCE. PLEASE ASSIST ME TO HAVE THIS FRAUDULENT ACCOUNTS REMOVE FROM MY. CREDIT REPORT. THANK YOU
10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33025	Web
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
09/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 770XX	Web
Had a account with XXXX XXXX and they never let me knew they were going to release my information to chex systems. Which a violation of the XXXX XXXX XXXX XXXX the never disclose to me that they information was going to be disclose. Asking could they show were I agreed to have my information released.
06/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 72116	Web
Chex Systems failed to provide the requested evidence of the validity of the items in my consumer report and failed to delete them, which violated my federally protected right 15 USC 1681g ( c ) ( 2 ( E ). This violation per 15 U.S.C 1692k permits me to collect damages of {$1000.00} for this occurrence.
09/02/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 38109	Web
I have a debt reporting on my credit from this company I do n't know anything and I do n't know anything about and debt that their reporting on my credit and refused to remove my right are Being violated if they saying it my debt this company should have proof contract sign and dated. Original documents
09/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	KY 410XX	Web
I applied for a credit union bank account, however, for some reason because of a Chexsystems report I was denied an account. Chexsystems has erroneous information on whatever report they have, which is causing me to not qualify for a bank account. Their report contains false and fraudulent information.
05/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MO 63121	Web
The fact that CFPB doesn't investigate on these consumer reporting agencies is an issue for the consumer. Chexsystem made false statement in regard to my dispute submission of a police report & failed to follow FCRA 605b below is the attached evidence include last complaint that CFPB decided to close.
12/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30093	Web
i never consented to authorize nor benefited from all Inquires, Block and delete them. If i have received goods and services from the furnished Inquires, Let Chexsystem have one of their senior executive certify under the penalty of perjury that i did received good and service from those transactions.
09/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
Theres over 20 credit inquiries listed on my ChexSystems consumer report. All of the credit inquiries are fraudulent and unauthorized. The credit inquiries are not my credit inquiries. I have not applied for any checking account. I shouldnt have any credit inquiries on my Chex Systems Consumer Report.
08/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55408	Web	Servicemember
The following account listed on my Chex Systems Consumer Report ID : XXXX for Reported Information is fraudulent : XXXX XXXX. I never had a checking account with XXXX XXXX. The account is fraudulent and not my account. I am a victim of identity theft and has a police report on file with Chex Systems.
09/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32256	Web	Servicemember
My chexsystems report shows three inquiries from XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have NOT had an account with this bank since XX/XX/XXXX. I have not applied for any loans, for any accounts, NOTHING from this bank. They NEVER had any permission to check my credit for any reason.
05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ XXXXX	Web	Servicemember
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States i have right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions
09/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	OK XXXXX	Web
XXXX reported me to Chexsystems for overdrafts. Those overdrafts were not my fault. It's not my fault I was scammed and receive fraudulent checks. The overdrafts were caused by those bad checks. I have paid them the amount I owe so they need to remove me from Chexsystems. Remove me from Chexsystems.
06/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	AL 36117	Web
I 'm a victim of identity theft and you all keep giving someone premission to use my chexsystem info to open and inquiry about new accounts. I need to dispute everything on my chexsystem report because I have n't open or tried to open any accounts. I have a lot of inquires that I did n't authorize.
02/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	GA 30318	Web
In accordance with the Fair Credit Reporting act XXXX {$570.00}, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
07/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	UT XXXXX	Web
Chexsystems has various addresses I never lived and phone numbers I never used. In XXXX, XXXX and XXXX I have requested removal of this inaccurate information with no resolution. The only accurate address is my current address starting with XXXX XXXX and the only correct phone number ends in XXXX.
05/08/2017	Yes	Checking or savings account Checking account	Managing an account Cashing a check	DC 200XX	Web	Servicemember
I am flagged with most financial institutions who deem my information a risk whenever I open bank accounts or try to cash checks. I would like to have intangible reasoning behind their discretion in blocking me within n the system completely or with limitations. I 've contacted them to no avail.
05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 40403	Web
In accordance with the Fair Credit Reporting act XXXX Account, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
09/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85704	Web
It was reported on XX/XX/2016 that there was an amount that I owed XXXX XXXX XXXX after they already closed my account. That amount still appears as unpaid on Chex Systems , Inc. Today, I went to XXXX XXXXXXXX XXXX and they told me that I don't owe them any amount, that it was already paid for.
05/09/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	IN 47403	Web
I was denied the ability to open a bank account because of information provided by ChexSystems. I requested more information from them, but was not given anything useful. I was a victim of identity theft in 2014, but otherwise have always been in good standing with all of my credit/bank accounts.
04/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90038	Web
The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
08/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 75043	Web
To Whom It May Concern, Please remove the SECURITY FREEZE from my Consumer report. I'm writing to you to request this. You must abide by the provisions of the Fair Credit Report Act. I'm aware that some kind of identification verification will be required by your business to confirm my identity.
09/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN XXXXX	Web	Servicemember
The following Inquiries Viewed By Others listed on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized and not my inquiries : XXXX XXXX, XXXX, XX/XX/2020 and XXXX XXXX, XXXX, XX/XX/2020. I am a victim of identity theft and have a current police report on file with Chex Systems.
11/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33181	Web
Im a victim of identity theft and fraudulent accounts have been opened in my name XXXX XXXX is still reporting information about me that is false from checking accounts that were open fraudulently. A XXXX Checking account was opened in the year of 2014. A XXXX XXXX XXXX checking account as well.
02/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OR 97008	Web
My XXXX credit bureau report shows inquiries buy XXXX on XX/XX/XXXX and by XXXX XXXX on XX/XX/XXXX. At the time of those inquiries, my XXXX credit reports were frozen as described by the FCRA. XXXX illegally allowed entities with which I have never done business with to access my reports.
05/11/2015	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	KS 66212	Web
Received my consumer report from ChexSystems and noticed some inquiries listed under consumer initiated that I never initiated. I 've never been to XXXX let alone tried to open up an account with XXXX in XXXX. Tried contacting ChexSystems to file dispute and was told they do n't handle disputes.
07/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	OR 97203	Web
I didn't authorize the information to be shared and or reported to ChexSystems and since this falls into the category Identity theft per 17 CFR 248.201 ( 9 ) as the consumer account was opened without my knowledge or consent I want all reports wiped off this fraudulently opened consumer account
12/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91780	Web
i do not have a XXXX checking account, someone opened a checking account in my name XX/XX/XXXX which was later closed XX/XX/XXXX. The phone number XXXX does not belong to me, the address the account is registered to i do not and have not lived at this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
10/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MA 01605	Web
XXXX XXXX initiated an inquiry on XXXX ChexSystems report on XX/XX/2017 that as of the filing of this complaint was still on my report which goes against their own policy of removing inquiries after two years. There are two other inquiries from 2 different banks that are also 2 years or older.
04/05/2018	Yes	Checking or savings account Other banking product or service	Opening an account Unable to open an account	OH 43615	Web
False in formation is being published about me. I have requested the source of this information on multiple occasions. I continue to get correspondence back in the mail after a long period of time, but it is never what I have requested. It is almost like they are holding my information hostage.
10/26/2023	Yes	Checking or savings account Checking account	Closing an account Company closed your account	TN 38127	Web
XXXX XXXX XXXX Is negatively affecting my banking need they reported false information in my file my XXXX XXXX XXXX Checking account was opened fraudulently I didnt authorize the opening of this bank account please remove any negative items on my report that is in relation to XXXX XXXX XXXX
06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	CA 946XX	Web
XXXX continues to keep fraudulent information on my consumer reports. I am a victim of identity thieves. They have open several accounts in my name. I have tried to dispute this information but I am told they cant dispute it. According to the FCRA they are required by law to verify every debt
03/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78251	Web
i was a victim of identity theft, and filed a dispute to Chex- systems to get information form one account ( XXXX XXXX XXXX XXXX deleted due to account being opened by fraud, they have failed to delete it and this information id affecting my availability to get financial resources that i need
07/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
Theres numerous inquiries listed on my Chex Systems Consumer Report. All the checking accounts and credit inquiries listed on my Chex Systems Consumer Report are fraudulent and unauthorized. There shouldnt be any checking accounts or credit inquiries listed on my Chex Systems Consumer Report.
06/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22304	Web
Someone used my identity to open up the following accounts, and I never had these accounts. Because of this, my XXXX XXXX XXXX and Chex Systems has a bad score for me. I never had : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXX XXXX
09/20/2016	Yes	Credit reporting	Credit reporting company's investigation Investigation took too long	NY 119XX	Web
Asked CHEXSYSTEMS to verify information that was incorrect on my credit report. They were unable to numerous times even after numerous times I contacted them numerous times and they still have not verified and put accurate information on my chexsystems report which has caused banking issues.
04/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19148	Web
I disputed these accounts with ChexSystems and they only removed one. All 3 accounts were fraudulently opened. XXXX XXXX XXXX {$690.00} ( Suspected Fraud Activity ) XXXX XXXX XXXX {$180.00} ( Suspected Fraud Activity ) XXXX XXXX {$440.00} ( Suspected Fraud Activity ) - RECENTLY DELETED
05/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30121	Web
Derogatory information must be removed due to COVID-19. I have made several attempts to remove this information. I have sent several letters challenging the derogatory information. The derogatory information is preventing me from obtaining a new checking account for myself and my daughters.
05/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO 80504	Web
XXXX XXXX XXXX reported to chexsystems for a bounced check. I paid this amount and this is still showing up on chexsystems. This is giving me a hard time to open up any bank accounts which is messing up my life. XXXX XXXX XXXX has been bo help. I filed a dispute as well with chexsystems.
08/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL XXXXX	Web
I went to apply for a bank checking account and was declined of the application. I asked the banker why and was informed that I had numerous chexsystems listed. I had a report issued to me and noticed there is accounts that did not belong to me listed on them as a result of identity theft.
12/10/2015	Yes	Credit reporting	Credit reporting company's investigation Investigation took too long	FL 347XX	Web
I disputed info on my Chex System report back on XXXX/XXXX/2015 that was fraudulent it was due to ID theft, I have never had a bank account and Chex Systems in violation of the FCRA has NOT responded! There 30 days is up they must now delete all of the information on my chex system report!
11/07/2020	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	TX 75126	Web
Chexsystems has 2 accounts reporting on my account from XXXX XXXX and XXXX XXXX XXXX XXXX that are not my accounts and refused to remove them! They have not sent any verfication to me when asked!! I never had theis accounts open and it is causing banks to decline me for opening a account.
11/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75068	Web
I have no knowledge of the following inquiries, neither did I authorize them. please remove/delete them from my credit report, as pursuant to 15 U.S.C 1681b section 604 ( C ) ( 3 ) of the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48227	Web
I am opting out of reporting my personal data to anyone without my prior written consent. Any further sharing of my personal data will be in violation of my rights of privacy and copyright protection. Im requesting that my personal data be deleted from your company data base immediately.
06/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90032	Web
My old credit card account with XXXX bank was paid in full and closed by me. However on my credit report it still displays a current balance and is reporting as a charge off, my account was never charged off and any fees or payments on the account was paid in full at the time of closure.
04/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VI XXXXX	Web
I paid saving account ending with XXXX for {$5.00} and paid the checking account ending with XXXX for {$130.00} with settlement. The debt still being reported as unpaid ; when it's paid. XXXX XXXX still haven't send me a Paid in Full letter. XXXX still didn't update reporting agencies.
06/21/2018	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	IL XXXXX	Web
Good Day, There has been opened fraudelent checking accounts under my name which resulted on my XXXX XXXX report to become XXXX 1 ) XXXX- Checking account 2 ) XXXX XXXX- Checking account 3 ) XXXX XXXX XXXX- Checking Account 4 ) XXXX XXXX - Checking Account 5 ) XXXX XXXX- Checking Account
05/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 160XX	Web
My ChexSystems report shows that an inquiry initiated by consumer action occured on XXXX / XXXX / XXXX by XXXX XXXX on behalf of XXXX XXXX Now. I made no such inquiry. No money was taken but my concern is the use of my social security number for others to obtain payday loans.
12/16/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	GA 30013	Web
Chexsystems has a bank on my report that should n't be on there. They removed one bank but they did n't remove the other. They should have removed it. It does n't belong to me and I would appreciate them removing it. I am tired of going back and forth with them. I just want it removed.
10/07/2015	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	CA 91335	Web
Related Case # XXXXChexSystems had been re-inserted into my credit file derogatory marks from XXXX XXXX XXXX. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33025	Web
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
09/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 078XX	Web
XXXX XXXX XXXX XXXX XXXX is showing 3 fraudulent checking accounts that are not mine. I have already gone to each of the banks and made seperate complaints to have these accounts zero out, and removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	FL 321XX	Web
XXXX XXXX has me reported as having a checking account. I have sent them FTC and police report advising that my roommate at the time use the account because he was from a different country and was using my personal information to be able to access checking accounts and credit cards.
09/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Was not notified of investigation status or results	OH XXXXX	Web
Hello, XXXX This is an update per my previous CFPB Complaint XXXX where I put you on notice for having incorrect information, you've failed to make me aware of investigation results and or conduct one. I demand all items that were investigated to be permanently deleted. Thank you.
01/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	NJ 07008	Web
Chex systems have me in their system as having some form of misconduct. I've never bound a check in my life. I have tried calling them with no success, they simply won't pick up. I've faxed them, email them and sent a letter US Postal service, they have been totally unresponsive.
08/08/2018	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	TX 77073	Web
chex system is reporting that i have non-sufficient funds -activity owed has been paid. The information they are reporting is preventing me from opening any accounts with other banks. so please send me the information that they are using to verify the informationthat are reporting.
05/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	CA 94043	Web
XXXX XXXX reported the account closed and unused to ChexSytems since XXXX 2014 yet ChexSystems continues to report an overdrafted balance and an unclosed account from XXXX of 2014 and is stopping my ability to open a credit union account and pay my landlord rent.
08/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 339XX	Web
XXXX is report false data regarded my check writing and use and they are declining all my check transaction without a valid reason and they are refusing to give and a particular reason for the declines and they are also refusing to be transparent with me regarding the situation.
12/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89084	Web
1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX I'm a victim of ID Theft and I have sent chexsystem a copy of my ID Theft police report. These two accounts are listed on my chexsystem report do to ID Theft. The last Four digits associated with these 2 accounts does not match my Social.
02/23/2018	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	AL 35126	Web
I attempted to open a checking account with XXXX XXXX XXXX on XX/XX/XXXX and was denied because Chex System is currently reporting I owe XXXX XXXX XXXX XXXX {$250.00}. XXXX XXXX was included in my bankruptcy case and the debt was satisfied when I was discharged on XX/XX/XXXX.
02/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL XXXXX	Web
I checked my credit and found that XXXX XXXX XXXX DID NOT remove he account as promised, if I paid the debt in full. Instead, they have reported it as charged off paid. That is NOT what was promised to me by XXXX XXXX, Sr Collector at XXXX XXXX. I want this account removed ASAP!
01/20/2024	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NM 871XX	Web
As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
10/05/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	GA 30331	Web
There is inaccurate information listed on my ChexSystem report. An account with XXXX XXXX XXXX XXXX is listed and Ive never opened an account with this bank. In addition, theres an account listed with XXXX XXXX. Please remove all negative information that does not belong to me.
09/01/2021	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	FL XXXXX	Web
I am unable to open a checking account with any bank as fraud and identity theft has occurred. I have never opened a bank account nor checkings with any bank in the past as Ive been out of the country. Nor has my address ever been XXXX XXXX XXXXXXXX XXXX XXXX XXXX Florida XXXX
05/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	OH 43213	Web
I was going over my ChexSystems report and I notice information that is old and old dated, and not listed properly. I had a bankruptcy that should had discharged the account that are still showing. XXXX should not have a balance showing since it was discharged in my bankruptcy.
11/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CT 06705	Web
Chexsystems refuses to remove untrue information on my credit report. There was no fraud activity with XXXX XXXX. Also, there are numerous inquiries on my chexsystems report from XX/XX/2017-XX/XX/2017. I did not authorize these inquiries, but chexsystems refuses to remove them.
11/25/2023	Yes	Checking or savings account Checking account	Closing an account Company closed your account	FL 33169	Web
Multiple times I contacted the ChexSystems about errors showing on my consumer report with the accounts XXXX routing/checking XXXX and XXXX routing/checking account XXXX. Companies wanted police reports attached to the complaint I have police case number XXXX reply available.
10/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AZ 85041	Web
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I sent a dispute letter to the credit reporting agency to have the fraudulent, inaccurate, incomplete personal information removed from my credit report.
03/03/2022	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	MS 39503	Web
XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. I called the XXXX XXXX, i also called Chexsystems about the Reported balance of {$190.00}. Im unable to open up a checking account because of this negative balance being reported in the chexsystem.
03/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	OH 43081	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX D.O.B- XX/XX/1982 SSN : XXXX I was denied a Checking account today at XXXX XXXX XXXX based on false or incorrect information. I have a business and I need to open my business bank account. Please send me a CHEX SYSTEM REPORT ASASP!
04/20/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 21202	Web
The information being reported by Chex Systems XXXX and XXXX XXXX XXXX isn't true.XXXX XXXXf XXXX said it was fraud that is a lie.It wasn't fraud and I am requesting that both XXXX and XXXX XXXX XXXX please deleted from my report .The info is incorrect and not accurate at all.
01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	PA 19134	Web
On or about XX/XX/23 I sent a copy of my id and proof of address to chexsystems for a copy of my report and they have failed to send it to me. I sent another request on XX/XX/23 with the required information and they still have failed to provide me with my chexsystems report.
08/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27360	Web
XXXX XXXX is a fraudulent bank account that was opened in my name. I have spoke to a security officer in which the account was supposed to be deleted from chexsystems, which it is still showing. I have contacted my lawyer as well with this information to come to a resolution
10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CT 060XX	Web	Older American
When I went to XXXX to open an additional checking account they wouldnt because they claimed that the credit report said I had a closed account somewhere on which I still owed money The credit report from chexsystems does not show any closed account with a owed balance on it
04/19/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	GA 30083	Web
The man I worked for in the XXXX at a XXXX. He wrote me XXXX hecks and i put them into my account and they bounced. He didnt even have the monies in his account! So my account was then closed. The second time someone stole my card and used it to make fraudulent transactions.
01/07/2016	Yes	Bank account or service Cashing a check without an account	Using a debit or ATM card	CO 81004	Web
An company totally unknown to me named Certegy Check Services, Inc.has stated that they refused to allow my check to be cashed. This is from a legal class action court settlement ( Outage Alert Text Message Settlement c/o XXXX XXXX XXXX ), and guaranteed by law. Check # XXXX
01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90007	Web
Chexsystems have removed the negative accounts from my report due to identity theft but they have left all of the inquires on my file that were from the identity theft. Which is causing me to have a high risk score and causing me not to be able to obtain a checking account.
07/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 93030	Web
I requested A copy of my Chex System report and notice 17 inquiries on my report. I disputed with Chex systems on XX/XX/2021 and some of the inquires have not been remove. Chex system didn't not provide me with any documentation showing that these inquiries were made by me.
08/28/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	IL 61554	Web
I have n't had any success in talking to this company. They 've got negative accounts that has been in my maiden name since XX/XX/XXXX!!!!! The XXXX account was opened in XX/XX/XXXX. I never applied for these previous accounts or gave anybody permission to do so either!!!!!
05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20744	Web
There are MULTIPLE fraudulent items on my CHEXSYSTEMS report. I do not have any idea regarding these fraudulent accounts on my CHEXSYSTEMS report. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. These accounts are NOT MINE.
08/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55408	Web	Servicemember
I sent a letter to Chex Systems to dispute the following unpaid fraudulent account listed on my Consumer Report ID : XXXX, XXXX XXXX XXXX. The unpaid XXXX XXXX XXXX account is fraudulent and not my account. I never applied for or had a checking account with XXXX XXXX XXXX.
11/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	OK 740XX	Web	Servicemember
I was declined the opportunity to open a bank account as Chex Systems is reporting charge offs by several banks that is the result of Identity Theft. 1. XXXX XX/XX/XXXX 2.XX/XX/XXXX XX/XX/XXXX 3XXXX 4.XX/XX/XXXXXXXX XX/XX/XXXX 5 XXXX XXXX XXXX XXXX XXXX 6 XXXXXX/XX/XXXX
09/14/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	FL 34471	Web
Chex Systems, I spent over an hour trying to submit a dispute on your website and always received some error- it should be that hard to submit disputes. See attached. There's incorrect information on my latest Chex Systems Report that needs to be handled immediately.
01/21/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CO 80134	Web
Under the Fair Debt Collection Practices Act, debt collectors are required to identify themselves in any communication with a debtor. Complete Payment Recovery Services called me on XX/XX/2021 without stating who they were, their company name, and what their purpose was.
06/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Was not notified of investigation status or results	MO 658XX	Web
I have no negative information list on XXXX according to a report sent by them. However, they are providing negative information to Banks and Credit Unions that is affecting me being able to open and account. They refuse to respond to my inquires and demands to fix this.
09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30016	Web	Older American
Inquiries that were investigated and supposedly verified to be valid. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inquiries and all inquiries highlighted in the attachment are acts of fraud. Inquiries were not made by me nor did I give anyone to inquire on my behalf.
04/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33614	Web
ChexSystems has false information due to a report that I later found that is from fraud. I want this issue promptly resolved. The reported information is from XXXX XXXX resulting in {$2200.00} and I also had a fraudulent charge from XXXX XXXX XXXX resulting {$2600.00}.
09/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MI 48167	Web
ChexSystems has not provided me access to my account, my report they keep or even a pin that I've requested months ago. .Also, I changed my information with the multiple times and they still have my old email and old phone number and they will not change these things.
07/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	AZ 85040	Web
unknown and inaccurate information on my chex sytstems reports dating back from XX/XX/XXXX to XXXX that are reporting judgement 's against me from opening bank accounts and getting loans from financial institutions.False accusations that i have no knowledge or consent.
12/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 223XX	Web
I was denied being added on to my company 's checking account. My Chex Qualifile report says I have an unpaid closure, but gives no information as to who that bank account was with, the amount owed, or any other information that would allow me to investigate the issue.
11/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19805	Web
I found out that I had something reporting on ChexSystems when I tried to open a new Checking Account. I filed disputes with ChexSystems and XXXX. I reached out to ChexSystems on XX/XX/2023 and XX/XX/2023. They have kept it on there and have not sent me any documents.
02/06/2017	Yes	Bank account or service Checking account	Account opening, closing, or management	TX 78006	Web
My husband was trying to add me to his checking account and due to chexsystems and an alert for my name due to previous identity theft they were unable to add me to the account but they did n't give me any information what to do so that I can get added to the account.
02/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	AR 720XX	Web
This report was made as a retaliation because I tried to dispute the validity of the enormous amount of fees I was charged by them. 2 yrs ago, my wife went in today and they told her they reported it and had us both flagged because I was XXXX and very XXXX to them.
03/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WI 53204	Web
There is a inquire on my credit report from Chex System that I never made and that was never mine. Inquire name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WI Date XX/XX/2021 I never was in XXXX I never made this inquiry or even opened a account with this company.
12/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	OH 442XX	Web
Check systems changed my code to the security freeze without my consent. I provided the correct number for a lift as I've done twice before when needed.it is noted on the document provided. They will not provide me with another number verbally due to their mistake.
10/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38104	Web	Servicemember
I sent letters to the companies and I received no reply back, I also disputed the matter directly with the Checking account reporting agency ChexSystems and nothing has changed. Date of Closure : XX/XX/2017 Closure Status : UNPAID Closure Status Date : XX/XX/2017
04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	IL 604XX	Web
XXXX XXXX XXXX and ChexSystems have negatively affected my Chex systems consumer report. Chex Systems is reporting an account closed by XXXX XXXX XXXX which is fraud. Chexsystems is fraudulently reporting a XXXX XXXX XXXX to an account closed under my name on XXXX.
03/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 604XX	Web
XXXX XXXX XXXX and ChexSystems have negatively affected my Chex systems consumer report. Chex Systems is reporting an account closed by XXXX XXXX XXXX which is fraud. Chexsystems is fraudulently reporting a XXXX XXXX XXXX to an account closed under my name on XXXX.
03/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 34786	Web
XXXXXXXX XXXX Never notified me of there investigation related to my checking account ending with XXXX. When the account was charge off no notice. I found out by chexsystem a year and half ago. I don't agree with the debt. This doesn't extend or re age the account.
05/15/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MN 554XX	Web	Servicemember
This is my second complaint against Chex Systems. I am a victim of identity theft and I have unauthorized and fraudulent inquiries on my Chex Systems consumer report. The following inquiries are unauthorized and fraudulent : XXXX/XXXX/XXXX/XXXX/XXXX/XXXX XXXX XXXX.
01/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 701XX	Web
remove fraudulent / unauthorized inquiries from XXXX XXXX XXXX XXXX on XX/XX/2021, XX/XX/2021, XX/XX/2021 off my report with monetary relief for damaging credit score. Or provide proof in writing within 30 days. This is not the last four of my driver license XXXX.
01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 183XX	Web
On XX/XX/year> I had an appointment in branch with XXXX XXXX XXXX XXXX. I decided not to proceed with opening an account and cancelled the appointment. To my surprise, XXXX XXXX XXXX XXXX ran a inquiry on my ChexSystems report on XX/XX/year> without my permission
01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90038	Web
I am being taken advantage of as a consumer by Chexsystem. They keep reporting this inaccurate item without providing me evidence of them fully verifying the information as required by the FCRA. This is my notice that I will be seeking legal action against them.
02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 070XX	Web
I just recently tried to open a bank account and was declined because I owe money to XXXXXXXX XXXX. The problem is that I NEVER had a XXXXXXXX XXXX account before. Please delete this account from XXXX XXXX XXXX. This is Not even my name and this is clear Fraud.
11/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	CA 920XX	Web
I got off the phone with both Chexsystems and XXXX XXXX They have stated that they have verified this account as accurate. However, they clearly have not conducted their own independent investigation because of a blantant errors on my reports with each of them.
09/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19141	Web
CHEXSYSTEMS VIOLATED FEDERAL LAW AND MY RIGHTS. Please read attached document to view my complaint. Also attached is my proper identification and recent consumer report. I demand a response within 15 days upon receipt of this complaint in writing and via MAIL.
08/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	FL XXXXX	Web
Chexsystems is harbouring incorrect information about a XXXX account and balance that was paid and should be removed. Additionally I can not retrieve my report from their website. This is hindering me tremendously from being able to receive loans from banks.
02/10/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NY 11566	Web
I am filing a second complaint on chexsystems cause i provided to them a copy of my police report and they have not removed the negative information reporting on my file. I have provided them with proof of the fraud and they have not even sent me a response.
01/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NY 10034	Web
Chex systems is showing the wrong dates for XXXX XXXX XXXX, it has already been over 5 years and should have been removed from my Chex system file. This erroneous information is not allowing me to open a savings account at my institution of choice. Thanks.
03/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19701	Web
Chexsystems reporting fraud account from XXXX # XXXX {$870.00} that does not belong to me and was a result of fraud from XXXX XXXX debit card transactions and needs to be removed from credit file and request chexsystems mail me a new updated correct Report
01/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22191	Web	Servicemember
ChexSystems continues to report incorrect information regarding various accounts that have been settled or paid-in-full. This reporting has impacted my ability to obtain credit or checking. I have attempted to correct this with the agency numerous times.
08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 43420	Web
I sent multiple Letters but my Dispute is still unheard i dot not receive any responses about my dispute. You have thirty ( 30 ) days from receipt of this notice to respond. The Accounts are Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
I have paid off a XXXX XXXX XXXX XXXX that was reported to ChexSystems as paid off but every time I try to open an account up with any other credit union it doesn't allow me to and the other credit unions XXXX has to override it after I show proof it was
08/05/2021	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	MO 64030	Web
I am a victim of identity theft and last year got sick during the covid outbreak when Chex systems started displaying info on my report that was inaccurate violating the fcra laws and refusing to remove the XXXX XXXX account which is incorrectly listed.
07/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MI 48161	Web
IVE HAVE SENT SEVERAL COMPLAINT LETTERS, NO REPONSES BACK OR RESULTS I CALLED SEVERAL TIME AND IVE BEEN TOLD TO WAIT AND IVE WAITED TILL NO RESULTS FTC REPORT WAS SENT ALONG WITH MY COMPLAINTS ASWELL, THESE INCORRECT ITEMS ARE EFFECT MY LIFE TREMENDOUSLY
11/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19124	Web
My complaint # XXXX about Chexsystems regarding XXXX XXXX XXXX account # XXXX still has not been resolved. The paperwork provided by XXXX XXXX XXXX does not validate the alleged amount owed ( {$880.00} ). This is my third request for a re-investigation.
05/18/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MO 63033	Web
I got a call from payment XXXX XXXX stating that I owed a debt on behalf of my bank. They advised me even though my bank account has been closed and I was never made aware of any debt by my bank before I closed my account I still needed to pay them
10/08/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	TX 79407	Web
CHEXSYSTEMS HAS FAILED TO REMOVE ALL NEGATIVE REPORTING HISTORY FROM CHEXSYSTEMS REPORT. ALL ACCOUNTS THAT ARE LISTED IN CHEXSYSTEMS WERE INCLUDED IN CHAPTER XXXX BANKRUPTCY. BY LAW THIS ACCOUNTS HAVE TO BE REMOVED AND DELETED FROM MY CHEXSYSTEMS REPORT.
12/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 763XX	Web
chk system keeps XXXX XXXX was paid XXXX XXXX XXXX XXXX XXXX XXXX tx, the XXXX informed muli times this acct was claer, and they have yet to tk care of this cfpb should fine them for not correcting thier errors XXXX has rpt to chk systems this is paid
05/12/2016	Yes	Credit reporting	Incorrect information on credit report Account status	GA 303XX	Web
COMPANY CONTINUE TO REPORT OUTDATED INFOR PAST 5YRS SINCE 2011 ; STATUS OF LIMITATION TO RETAIN OVER 5YRS OLD AND MUST BE REMOVE, NOT MY ACCOUNTS OF INSUFFICIENT FUNDS INCORRECT DATA REPORTED. VIOLATES FCRA AND FCBA..SAME INFOR REPORTED ON FILE 5 TIMES
07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	FL 34471	Web
Chexsystems, There is incorrect personal information on my report that I am requesting to be updated and corrected - attached to this complaint are : - Letter - Drivers license - Social security card - Address Please have these inaccuracies corrected.
04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89183	Web
chexsystem is incorrectly reporting a XXXX XXXX that I owe XXXX XXXX {$840.00} and that this account was closed and reported on XX/XX/2019. This account has been PAID of and there is no money owed to XXXX XXXX..this needs to be corrected immediatley.
05/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70433	Web
chexsystems is knowingly reporting a fraudulent items masquerading as accounts on my consumer file. I have provided police reports identity theft affidavits. No real investigation was done. If so they would have found out that this item is fraudulent
07/31/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 15206	Web	Servicemember
CHEXSYSTEMS CONSUMER ID XXXX SOMEONE OPENED A CHECKING ACCOUNT IN MY NAME IN ANOTHER STATE I HAVE NEVER LIVED IN AND IT IS ADVERSELY EFFECTING ME FROM OPENING A CHECKING ACCOUNT CAUSING HARDSHIPS! I HAVE ALREADY REPORTED BE A VICTIM OF IDENTITY THEFT!
07/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 920XX	Web
I am a XXXX . And I dont know what happened with the investigation but I tried this in 2008 and I 'm checking on the process. I ca n't open an back account its intervening with job 's I 'm trying to get, and I have my own family I ca n't do anything.
06/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL XXXXX	Web
Recently, I received a notice from Certegy that XXXX was reporting negative information to them on my behalf. XXXX is a creditor listed in my Chapter XXXX Bankruptcy which was filed on XXXX XXXX, 2017. The bankruptcy was discharged on XXXX XXXX, 2017.
06/10/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MN 554XX	Web
I am a victim of identity theft and someone opened a XXXX Bank checking account using my personal information and stolen identity. The XXXX Bank checking account # : XXXX and the following inquiries removed from my consumer report : XXXX XXXX and XXXX
06/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 84041	Web
I was checking my XXXX report and none of those inquiries belong to me. I need to get this removed since this is affecting my ability to get a house loan and even open a checking account under my name. I need assistance with this as soon as possible.
02/25/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 93455	Web
Complete Payment Recovery Services , Inc. is attempting to collect on a check for {$55.00} they claim was returned unpaid, but in fact was paid by our XXXX checking account. They continue to call even after we informed them that this check was paid.
02/16/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	TN 37122	Web
Ca n't cash IRS refund check at any store, i.e. XXXX or XXXX. Contacted Certegy and it was useless. Said it was risk factors set up in the software. Now have no idea what to do. How is it possible that there is a risk factor in cashing an IRS check?
10/31/2023	Yes	Debt or credit management Credit repair services	Problem with customer service	SC 293XX	Web
Possible violation of FCRA as I have reported to the comapny ( XXXX monthly that the information in the report is inaccurate but they did niot investigate and also did not prevent individuals who had no business in my report to be in the report.
03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT XXXXX	Web
ChexSystems Inc. is reporting fraudulent accounts on my ChexSystems Inc. consumer report, I have disputed all the inquiries and the fraudulent checking accounts that they have in my good name, but ChexSystems Consumer Relations has not responded.
02/14/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MN 554XX	Web	Servicemember
I am still having problems with my personal checks being declined by Certegy Check Services. I need to know the reason why my personal checks are being declined. My XXXX XXXX XXXX checking account has a current available balance of : {$50000.00}.
09/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
The following XXXX XXXX checking account listed on my Chex Systems Consumer Report : XXXX is a fraudulent account and not my account : Ending In : XXXX, balance : {$4600.00}. I never applied for or opened a checking account with XXXX XXXX XXXX.
03/10/2023	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	IL 622XX	Web
My identity Where Stolen & Used To Obtain Goods & Services In My Name I Fouled Police Report With My LOCAL police department after my Credentials Where Stolen & Have Attached It Aswell As My Identifying Documents With Mail I Sent To Chexsystems
02/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48197	Web
ive written a letter to chexsystems requesting to provide information showing the validity of a derogatory account showing on the report. They were not able to furnish proof and refuse to remove the account from my report after several attempts
03/10/2023	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	IL 622XX	Web
Immediate Deletion Of All Accounts Fraud Alert Fraudulent Bank Account Inquires Placed On All Reports Any False Information With My Identity To Be Deleted If Not Proved Within 30days All Letters & Mail Has Been Certified & My Attorney Is Aware
02/27/2023	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	IL 60803	Web
I was robbed at XXXX XXXX and had everything taken from me including my wallet along with identification and ss #. I have a police report as records and from thus robbery accounts was opened up in fraud in my name and was put in chex systems.
06/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY XXXXX	Web
Chexsystem has posted wrong information to my report and refused to remove it has not sent me proof that the information is correct nor has it given me a chance to give any way to call them to speak to a human to work out the wrong information
07/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	NJ 070XX	Web
XXXX have me on there system paid account abuse this must be removed its not mine! I contacted them and all they say is wait, wait! Remove this fake information off my report. They forced me to pay at the bank for fake account to help myself..
01/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	LA 70043	Web
Hello, I would love this company to delete the following from my report XXXX XXXX and XXXX XXXX. These accounts are old and not mines.i cant get a bank account nor move forward with my life. I question the validating process with this company.
03/23/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	AZ 85016	Web
I paid a bank for overdraft fees then shut down the account back in 2019. They sent it off to Chexsystems as paid but its still reporting on my consumer report. XX/XX/2019 XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX PAID IN FULL
05/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MD 212XX	Web
On my XXXX credit report there are two activities that I did not authorize. Both are somehow connected to XXXX XXXX XXXX XXXX, which from what I can tell is a fradualent credit card company. I have asked XXXX to remove these and they refuse.
04/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	MI 49519	Web
I tried to open a checking account and found out it was a account reporting to the XXXX from XXXX XXXX XXXX. I never had a account with the company and asked for it to be removed, I faxed in my police report to XXXX and it hasnt been removed.
01/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 701XX	Web
remove fraudulent/ unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/2021 off my report with monetary relief for damaging score and violating FCRA or provide proof in writing within 30 days. My driver license number does not end in XXXX
08/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33626	Web
I was the victim of a scam in XXXX, I did the police report and everything, my account was closed due to fraud, but my credit card was still open, I paid the remaining balance more than a month ago. I'm still not able to open a bank account.
11/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	DE 19901	Web
ChexSystems reports that my SS # was available for issuance in XXXX when in fact I was born in XXXX. I sent a dispute letter over a year ago and have received no response. I just requested a new report and the I formation is still incorrect.
10/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91351	Web
XXXX XXXX is reporting a overdraft account that was taking care of, there should be no overdraft reported on my XXXX, the date reported is incorrect, i did not have an account with XXXX XXXX in XX/XX/2018. please remove this from my account.
06/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	NC 283XX	Web
Fraudulent information on my consumer report by XXXX attempted to dispute and was told it was corrected problem became worse. Given several XXXX numbers to call which resulted in the run around with them telling me to call the next number
03/19/2019	Yes	Checking or savings account Checking account	Credit monitoring or identity theft protection services Didn't receive services that were advertised	VA 23601	Web
Hello today I tried to get a checking account in my name at a bank but all the sudden IAM not approved I never had a bank account in my name I all ways had prepaid cards ..so I think the XXXX XXXX XXXX is XXXX me over with false information
05/20/2018	Yes	Checking or savings account Checking account	Incorrect information on your report Account status incorrect	CA 95687	Web
Wrote Chex system a letter to remove accounts that did not belong to me. Removed some accounts but left XXXX XXXX, which I never had a account with them. Said it was verified but never told me on who they spoke to, and not other information
10/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	CA 959XX	Web	Older American
Been trying to open bank accounts and kept getting turned down was because of reports on checksystem so I contacted checksystem and said someone has opened accounts in my name and different ssi number and told me to contact you to get help
03/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	UT XXXXX	Web	Servicemember
I became aware of a erroneous derogatory mark being reported from XXXX. chexsystems is showing a paid off and settled in full and its been over 5 years ago. I was unable to open a checking account with a local bank because of this report.
06/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA XXXXX	Web
I have filed numerous complaints with chexsystems pertaining to what is on my report. They keep saying I am filing frivolous disputes but will not provide me with the documentation as to what they did to verify the validity of the report.
01/06/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	AZ 85383	Web
XXXX Bank alleged my Business Account was found on a known cyber criminals XXXX XXXX, so they closed the account and report to chexsystems under my personal social security number instead of the business XXXX " suspected fraud activity ''
11/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	MN 55343	Web
I am having a problem getting a copy of my Chex Systems Consumer Report, I am entitled to. All of the accounts and credit inquiries listed on my Chex Systems Consumer Report is fraudulent and unauthorized accounts and credit inquiries.
05/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	IL 60644	Web
This is an account being reported by XXXX which has not been validated nor authorized by me has been proventing me from obtaining credit and/or Loans, as per FDCPA and FCRA acts, this is a violations of those terms and must be removed.
07/25/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NJ 080XX	Web
CHEXSYSTEMS HAS A VERY LOW SCORE ON ME BUT CAN NOT TELL ME WHY. THEY HAVE NO ADVERSE INFORMATION IN THEIR REPORT, YET WILL NOT RAISE MY SCORE. I HAVE NOT BEEN ABLE TO KEEP A BANK ACCOUNT OPEN FOR SEVERAL YEARS. I NEED YOUR HELP, PLEASE
04/04/2015	Yes	Credit reporting	Incorrect information on credit report Personal information	NY 14227	Web
TRIED TO OPEN BANK ACCOUNT AND XXXX SYSTEMS REPORTED THAT MY SOCIAL SECURITY NUMBER COULD N'T BE MINE GIVEN THE SEQUENCE OF NUMBERS WAS AVAILABLE FOR ISSUE IN XX/XX/XXXX IN NY, HOWEVER, I WAS BORN IN XXXX MARYLAND IN XX/XX/XXXX NOT NY.
08/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89104	Web
I receive a letter that I was cashing check from XXXX in California which was not me through Certegy and I already file a police report would like to forward it to them I will attach my ftc and my local police report on this complaint
08/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89104	Web
I receive a letter that I was cashing check from XXXX in California which was not me through Certegy and I already file a police report would like to forward it to them I will attach my ftc and my local police report on this complaint
01/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33647	Web
i have a fraud account on my chex systems report from XXXX XXXX XXXX and i want it removed and blocked from reporting under the FCRA and chex systems is refusing i have an id theft report from the ftc and police report i sent them
12/22/2016	Yes	Bank account or service Checking account	Making/receiving payments, sending money	SC 29501	Web
I tried to purchase my glasses at XXXX in XXXX, XXXX. It was denied on my account with XXXX Bank, by Certegy. My account was and has always been in good standing and it was embarrassing and completely unnecessary for them to deny it.
01/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98404	Web
Letter from Complete Payment Recovery Services states my company XXXXXXXX XXXX owes money for a check cashing service provided by XXXX, whereby they allege my payroll check was dishonored. The check has cleared my bank and was paid.
09/07/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MN 554XX	Web	Servicemember
I reviewed my Chex Systems consumer report and there are fraudulent and unauthorized inquiries listed on my consumer report. The following inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 43615	Web
XXXX closed my account and threatened, and is apparently following through on a threat to report me to XXXX for CHECK FRAUD because a check from my XXXX account to me bounced due to the fact that XXXX refused to pay on the check.
11/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30314	Web
I recently disputed this fraudulent account with this company and they failed to provide the accuracy and completeness of the investigation by validating the 100 % correctness of the account. All is being investigated by the ftc.
10/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	UT 841XX	Web
Chex systems sent a notice by mail that an inquiry was ran on my consumer profile without my consent as my consumer profile has a freeze since 2017. I need explanation who ran the inquiry and for immediate removal of the inquiry.
08/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30064	Web
Chexsystems reported a negative review for an incorrect amount owed to XXXX XXXX which caused a decline to open a checking account. Chexsystems nor XXXX XXXX notified me of this reported amount per the fair credit reporting act.
11/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85234	Web
I had filed a previous complaint about the information on my Chexsytems account. They had asked that I provide the police report proving the incident. As of yesterday I both received and mailed the police report they requested.
06/08/2022	Yes	Checking or savings account Checking account	Problem caused by your funds being low Bounced checks or returned payments	TN 37064	Web	Servicemember
I CHECKED MY CREDIT REPORTS AND NOTICE THAT MY IDENTITY HAS BEEN STOLEN AND MY BANK ACCOUNTS WERE HIJACKED AND ALSO ABUSED AND SHUT DOWN FROM FRAUDULENT BOUNCED CHECKS THE FOLLOWING BANKS WERE AFFECTED 1XXXX XXXXL 2.XXXX 3.XXXX
12/31/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	PR XXXXX	Web
When requesting to open a account at XXXX, a report reflected XXXX loans issued under my social security number with an unknown name. These loans were not issued by me. The Company that processed the loan was XXXX. Please help.
11/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90007	Web
There are two banks that I have provided to them that was identity theft and the fail to remove them they are the XXXX XXXX XXXX XXXX and XXXX XXXX. I have provided them my ftc report that Im attaching again to this complaint.
09/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 75019	Web
I was denied a checking account when I recently moved here to Texas because of incorrect information on my Chexsystems record. I was not aware of this information and it is also extremely old aside from being blatantly wrong.
08/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web	Older American
CHEXSYSTEMS you violated my rights by supplying information to XXXX, XXXX, XXXX AFTER I FROZE your recorded. You violated my right to privacy you gave out my information now take it back from the 3 credit reporting companies
01/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	GA 312XX	Web
on XX/XX/2019 i put in a dispute with chex systems they did not investigate by the law of the fair credit reporting act and left the inaccurate and incomplete information on my consumer report this issue need to be address.
02/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23238	Web
Closure date is XX/XX/2018. Reported for overdrafts, charge off amount is {$650.00} closure unpaid. Im not sure why this account was opened or why it was overdrafted but it wasnt me, I didnt open an account with this bank.
08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 76052	Web
THERE IS A REPORTED ABUSED ACCOUNT ON MY CHEXSYSTEMS WITH A STRANGE NAME AND ADDRESS.I HAVE CALLED SEVERAL TIMES FOR CHEXSYSTEMS TO DELETE THEY STUBORNELY NEVER DID CHEXSYSTEMS HAS VIOLATED MY CONSUMERS RIGHTS IN EVERYWAY
12/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 37013	Web
I reviewed my ChexSystems report and found the following inquiry that was not authorized by me : XXXX XX/XX/2020. I did not apply for any accounts with this bank and they did not have my authorization to obtain my report.
01/30/2017	Yes	Credit reporting	Incorrect information on credit report Personal information	NY XXXXX	Web
I requested that ChexSystems remove an erroneous address ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ) from my ChexSystems report. It seems ChexSystems is refusing to respond or remove the offending information.
07/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 78230	Web
XX/XX/2016 Someone wrote me a check and out bounced and XXXX XXXX XXXX closed my account and reported it as fraud. I had all my documentation yet they wouldnt let me dispute it nor did they do a thorough investigation.
12/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28227	Web
I recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked
08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 34471	Web
ChexSystems, Please see attached including : - written complaint - drivers license - social security number - address - latest report from XX/XX/2023 Please have all of these unauthorized inquiries removed immediately.
03/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NY 11233	Web
I'm trying to improve my credit a company called XXXX XXXX. while trying create an account XXXX XXXX. owing XXXX XXXX XXXX {$4.00} having me under suspected fraud Activity for date XX/XX/2016. I'm not sure what to do
11/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA 01420	Web
I HAVE NO KNOWLEDGE OF THESE ACCOUNTS. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85041	Web
To Whom It May Concern : You are reporting inaccurate and/or incomplete information concerning me in consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity.
12/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37013	Web
I have an inquiry on my Chexsystems report that I did not authorize. I am a victim of identity theft. The following inquiry was made without my knowledge or approval. XXXX XXXX on behalf of XXXX Date : XX/XX/2020
11/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33594	Web
complete payment recovery services, inc IS ATTEMPTING TO COLLECT ON A DEBIT THAT IS NOT MINE/INACCURATE. DELETE, REMOVE AND DO NOT REPORT, RE-POST OR SELL. SEND PROOF OF CONTRACT BETWEEN ME AND COLLECTION COMPANY
10/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 32256	Web	Servicemember
I sent a letter to Chexsystems to clean up information I do not recognize and they refuse to remove anything. I'm being denied access to a new credit union to buy my dream house. Chexsystems is ruining my chances.
05/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	IN 46060	Web	Servicemember
My identity was compromised while serving oversees from XXXX to XXXX. During this time a fraudulent account was opened in my name by XXXX. I demand that this item be removed from my ChexSystems report immediately.
01/30/2018	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	IL 60608	Web
I had an outstanding balance with XXXX XXXX XXXX that I satisfied and chexsystems is still incorrectly reporting that I owe and were unable to provide me with information about the account after numerous request.
04/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	VA 22312	Web
Dates requested removal of negative items from my Cheksystems report are XX/XX/2021, XX/XX/2021, XX/XX/2021. This company hasn't removed any of the negative items. Items described as Account Abuse, and Overdrawn
11/14/2016	Yes	Credit reporting	Credit reporting company's investigation No notice of investigation status/result	GA 30152	Web
I submitted disputes with XXXX - They did not investigate my actually dispute or even respond to the items in question. They just recent my whole report with a random item deleted that was n't even on my report.
07/10/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MN 55446	Web	Servicemember
I have sent numerous police reports to Chex Systems in regards to unauthorized and fraudulent inquiries on my consumer report. The following inquiries are unauthorized and fraudulent : XXXX/ XXXX/XXXX/XXXX/XXXX
02/08/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	OH XXXXX	Web
Hi, I repeatedly get calls at my employer after asking this company to not contact me at work. They call several times per day. They have not provided me with any written verification of any debt owed to them.
03/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	FL 32256	Web
There is an old account with XXXX that is reporting on XXXX. It was included in Chapter XXXX bankruptcy discharged. It should be removed from the report. I no longer owe them. Tt is causing me to be declined.
04/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30117	Web
Refuse to to remove negative information off my report first off its paid for second they are not updating fast enough and I keep getting denied. Its harming my way of life and movement. Its keeping me stuck
08/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA XXXXX	Web	Servicemember
On or around XX/XX/XXXX I submitted a dispute with ChexSystems in regards to some misleading information on my ChexSystems report. After about 45 days, I never received a response in regards to my dispute.
05/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95945	Web
ChexSystems Inc. refuses to provide me with any information regarding my ChexSystems file and will not confirm or deny the existence of an investigation even after I disputed records on multiple occasions.
06/27/2015	Yes	Credit reporting	Incorrect information on credit report Account status	FL 32904	Web
I paid off a charge-off checking account with XXXX bank for XXXX on XX/XX/2015 and it does not reflect on my chexsystems. I tried to open another account and I was unable to since it still shows as unpaid.
06/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19121	Web
I used XXXX XXXX to freeze my credit I didn't authorize any one to report anything! I have been in Chex system since 2004 I have not been able to get a bank account in my name at all! It's all inaccurate
01/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	IL 60645	Web
Someone open an account using my name and personal information. I am a victim of identity theft. The account is with a company by the name of XXXX XXXX XXXX. I want this information removed from my file.
09/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA XXXXX	Web
They put a restriction on my free account to prevent me from submitting online disputes after I had filled my very first Dispute. " Technical issue '' is the reason they used to denied the submission.
09/24/2021	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	GA 30318	Web
XXXX XXXX and Chex System are reporting some fraudulent account on my credit file/report. Here are the list of fraudulent accounts : XXXX XXXX : XXXX XXXX XXXX OH-WV : XXXX XXXX XXXX XXXX XXXX XXXX
03/24/2017	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	CA 91405	Web
I received a letter from XXXX. stating that I owe {$2800.00} for a creditor ( company name XXXX ) on behalf of XXXX. I am up to date on my mortgage payments to XXXX, so therefore do not owe this money.
10/03/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	LA 70802	Web
i went to go cash a check and it was not authorize and i did not know why the cashier gave me a receipt sayin i had to contact CERTEGY CHECK so i did they and sent a letter Sayin no information on file
08/28/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	FL 331XX	Web
I was trying to open an account with XXXX XXXX upon running it they noticed I was in Chex systems for a XXXX account under a social completely different from mine and an Adress that I have never used
06/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30019	Web
please read my letter attached below. I recently pulled my chex systems report after a denial, and I see some information on here that I do not recgonize. Thank you for your assistance in this matter.
05/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 40509	Web	Servicemember
Chexystems is reporting an account and they refuse to fix this. The account is XXXX XXXX They claim it was " verified ''. The bank will not show me the documents bearing my signature for this account.
12/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37013	Web
The following phone numbers are listed on my chexsystems report. These phone numbers do not belong to me. They are a result of identity theft. The numbers I am disputing are : XXXX, XXXX, XXXX, XXXX
07/03/2016	Yes	Credit reporting	Credit reporting company's investigation Problem with statement of dispute	MD 21214	Web
Certegy is reporting to my bank that they should deny my deposited checks. No information on Certegy 's report shows any change from when they recommended acceptance of my deposited checks to my bank.
12/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90272	Web
XXXX XXXX XXXX XXXX closed my checking account on XX/XX/2018 without informing me. They also reported my to Chex systems as account abuse despite having a savings account with them and a credit card.
12/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37013	Web
I have an inquiry on my Chexsystems report that I did not authorize. I am a victim of identity theft. The following inquiry was made without my knowledge or approval. XXXX XXXX XXXX XXXX XX/XX/2020
03/20/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	IL 60617	Web
I have just been informed that I can not open any bank accounts. I have not been involved in any fraudulent matters pertaining to any bank account!! Please please please help me out with this matter
03/12/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	PA 15221	Web
XXXX XXXX and chexsystem is stopping me from getting line of credit and a checking account that my social security number and day of birth been exposed and I like my name to be removed I am a victim
09/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77040	Web	Servicemember
Failed to have adequate processes for accurately reporting of checking account reporting information about checking and deposit accounts. With inaccurate information about checking account history.
10/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CT 06705	Web
In XXXX XXXX XXXX Bank reported to chexsystems that my checking account was closed because of fraudulent activity. I closed the account on my own and there was no fraudulent activity on my account.
12/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78746	Web
I have an inquiry on my Chexsystems report that I did not authorize. I am a victim of identity theft. The following inquiry was made without my knowledge or approval. XXXX XXXX XXXX XX/XX/2020
10/15/2018	Yes	Checking or savings account Checking account	Incorrect information on your report Information belongs to someone else	TX 75232	Web
never opened account with XXXX XXXX XXXX. fraudulent account. I only have a state ID that i have had since XXXX, my ID does not end with XXXX, it ends with XXXX, they have the wrong information.
01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	MD 21401	Web
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my ChexSystems consumer credit report sent to me via mail.
01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TX 76137	Web
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my ChexSystems consumer credit report sent to me via mail.
01/29/2016	Yes	Credit reporting	Incorrect information on credit report Personal information	WI 53027	Web	Older American
I have been trying to get ChexSystems to remove the fact that I am dead from their credit report ( Ref # XXXX ). I am not dead and they have not attempted to contact me or reply to my request.
08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC XXXXX	Web
XXXX XXXX IS REPORTING INACCURATE FALSE INFORMATION ON MY CREDIT PROFILE TO SECONDARY AND THIRD PARTY COMPANIES. PLEASE REMOVE THESE FRAUDULENT ITEMS AS TO THESE ACCOUNTS DO NOT BELONG TO ME.
04/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	MO 65401	Web
Submitted a request for a consumer disclosure from ChexSystems for it to be delivered digitally to my online portal with them. Have not received the disclosure in a reasonable amount of time.
02/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19104	Web
NOT ONLY ARE THE INQUIRIES FRAUDULANT AND WAS NOT PERMITTED BY ME HOWEVER THE CREDIT BUREAUS, XXXX, XXXX, XXXX, CHEX SYSTEMS ARE IN VIOLATION FOR REPORTING IT WITHOUT VERIFYING WITH ME FIRST.
03/13/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	MD 21207	Web
i tried to open a checking account at XXXX and aslo XXXX XXXX and they said no its was some fraud going on with chexsystems please have what ever remove so i can open up my checking account
10/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 387XX	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX of XXXX Mississippi employee XXXX XXXX ran my credit report and I didnt not authorize it and they still have not taken the steps to remove this unauthorized inquiry
12/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78746	Web
I have an inquiry on my Chexsystems report that I did not authorize. I am a victim of identity theft. The following inquiry was made without my knowledge or approval. XXXX XXXX XX/XX/2020
01/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 080XX	Web
Please see attached complaint and supporting documentation which includes my identity verification documents as well as an identity theft police report signed by a law enforcement officer.
01/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 701XX	Web
remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX XXXX off my report with monetary relief. That is not my driver license number. Or provide proof in writing within 30 days.
12/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28227	Web
Upon reviewing my report, I noticed fraudulent information was posted on my file. I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted.
12/08/2015	Yes	Credit reporting	Unable to get credit report/credit score Problem getting report or credit score	MN 55110	Web
I have requested my Chex System report twice, once several months ago. They are yet to send it to me. I was recently denied an account my XXXX XXXX XXXX based on information they provided.
09/19/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	NY 10025	Web
my personal information was hacked and my bank account l need to open account l need help to remove the negative l need help l want to open a checking account for my savings and purchases
01/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Report provided to employer without your written authorization	IN 46041	Web
I sent an opt-out letter to Chex Systems on XXXX. XXXX XXXX made an adverse decision based off Chex Systems advice, thus denying me my equal opportunity to open a general savings account.
03/13/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 31322	Web
On my consumer report it says i owe XXXX money, i never opened an account with them. The information they have is n't my name its a jumbled version of it. I believe i have identity theft.
03/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33023	Web
I never have any accounts with a balance I dont know why I denied when I apply to open a checking account.. all I ask show me a statement my license photo copy any documents signed by me
12/21/2016	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	TX 770XX	Web
XXXX XXXX processed a hard inquiry on my Chexsystems report without my permission then proceeded to add a negative and fraudulent account to them. I disputed XXXX XXXX with Chexsystems.
12/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37013	Web
I have an inquiry on my Chexsystems report that I did not authorize. I am a victim of identity theft. The following inquiry was made without my knowledge or approval. XXXX XX/XX/2020
11/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	MO 658XX	Web
ChexSystems is reporting to some banks that I have negative information on my report but I do not and will request a copy of my report they refused to provide it as is required by law.
05/12/2015	Yes	Credit reporting	Incorrect information on credit report Account status	NY 122XX	Web
Chexsystems provided false information on a credit report to XXXX bank who denied opening a bank account. The information concerning XXXX was part of a bankruptcy and not a charge off.
01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CT 065XX	Web	Servicemember
I reported that I had wrong information on my consumer report and the bank has agreed to remove it from my report but I havent heard anything from the agencies yet updating my report.
12/14/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 43224	Web
Complete pay leaves a recorded message Every other day for weeks. to call them back at XXXX XXXX XXXX not leaving a name whom They are calling for, There is no debt in this household.
02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC XXXXX	Web
I got denied a checking account because of my chex systems credit score... etc. XXXX XXXX XXXX denied my application for a checking account Because of my chex systems credit score.
02/03/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NC 28217	Web
On XX/XX/2018 they contacted my previous roommate on his cell phone. I don't know how they get his phone number and who they are.they told him that they are debit collection company.
03/18/2017	Yes	Credit reporting	Incorrect information on credit report Public record	WI 53154	Web
I am being denied a checking account because this is on my ChexSystems report. It was discharged in bankruptcy in 2015 XXXX {$380.00} Please remove this from ChexSystems immediately.
02/21/2023	Yes	Checking or savings account Other banking product or service	Opening an account Unable to open an account	IL 604XX	Web	Servicemember
I have just been informed that im in the check system and can't get the I need because I can't show proof on income, some has used information to opened up some accounts in my name
09/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NC 280XX	Web
Account was closed for possible fraud. The information is incorrect and prevented me from getting a job and further accounts. I was hired in with the same company in the XXXX XXXX.
10/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	RI 02914	Web
i report fraud because person use my social security but used other last name danger my credit report please remover all inquires by other out my authorized check my credit report
11/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	OK 740XX	Web	Servicemember
XX/XX/2018, XXXX notified ChexSystems that fraudulant information they are reporting to third parties with my personal/confidential Identification as the result of Identity theft.
06/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CO 80219	Web	Servicemember
I have complained a lot with XXXX about all those inquires on my report that I didnt do and lately I havent been able to reach them. Ive written letters time after time and XXXX.
08/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	NC 28314	Web
XXXX XXXX is my name social security number is XXXX please have checxsystems remove security freeze permanently off report and dispute all averse information accounts as not mine
06/02/2023	Yes	Checking or savings account Other banking product or service	Opening an account Unable to open an account	IL 60608	Web
My name is XXXX XXXX. I have been a victim of an XXXX data breach. I was unable to successfully open up any banking accounts since XXXX fingerprint was hacked from a previous job
01/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 701XX	Web
remove fraudulent/ unauthorized inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/2021 off my report with monetary relief for damaging score or provide proof in writing within 30 days.
07/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	IL 60153	Web
I have reached out to ChexSystems and requested information in which I have yet to receive a response. ChexSystems is in violation of my rights as a federally protected consumer.
10/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	TX 75098	Web
On XX/XX/2019 XXXX XXXX XXXX sent information to the Chex Systems. That I have unpaid account. That is wrong. Please help me get Chex Systems , Inc. Attn : Consumer Relations
01/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 701XX	Web
remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/2021 off my report with monetary relief for damaging my score and getting denied opening bank account
10/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33168	Web
The inquirer name is XXXX XXXX XXXX. the date it happened was XX/XX/2017. It was reported to XXXX and ChexSystems. I disputed it with ChexSystems and they refuse to removed it.
12/01/2015	Yes	Credit reporting	Credit reporting company's investigation Inadequate help over the phone	OH 454XX	Web
chex systems has account or file on me and I also reporting that some one used my information they never take off I can not use bank account to put my goverment chexevery mouth
08/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21401	Web
XXXX XXXX XXXX XXXX willl not update Chex Systems as to my account having a paid status. The account has been incorrectly reporting on my chexsystems report for almost 1 year.
04/14/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 24073	Web
We continually receive recorded phone calls from XXXX XXXX XXXX XXXX at our home phone, about every other day. We do not want to return the call because it sounds like a scam.
07/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TX 79938	Web
I was recently denied a bank account due to reporting from ChexSystems. I attempted to request my credit report, and the online system keeps denying my credit report request.
05/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	FL 338XX	Web
ON XX/XX/XXXX, MY CONSUMER REPORTED SECURITY FREEZE WAS PERMANENT REMOVE BY XXXX BY XXXX STILL SHOWS ITS ACTIVE WHICH IS INCORRECT XXXX REFUSED TO REMOVE THE SECURITY FREEZE!
06/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	TX XXXXX	Web
I tried to apply with a bank and was denied because of chex systems reporting. I've tried submitting a request disputing the negative items be it still remains on my report.
12/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	WA 98002	Web
ChexSystems is showing that I have a derogatory public record on file. This is not the case and the case has been given a " Full Satisfaction of Judgment '' ruling, XXXX2015
01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	IA XXXXX	Web
Im having an issue of getting my Chex Systems Consumer Report. I need a copy of my Chex Systems Consumer Report. Full Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 183XX	Web
I received my ChexSystems report and noticed a inquiry from XXXX XXXX on XX/XX/2023 located in XXXX. I have not conducted any sort of business with this financial institute
05/18/2022	Yes	Checking or savings account Other banking product or service	Opening an account Unable to open an account	MD 208XX	Web
Can not open any checking or saving due to Chexsystems false reports and siding with the financial institution. I do not owe money or did anything heinous to deserve this.
03/09/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	CA 95945	Web
Please see the attached. Enclosed is a USPS report pertaining to mail fraud that supports my requests that Chex Systems , Inc. only respond via registered or tracked mail.
09/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	IL 60544	Web	Servicemember
Che systems is preventing me from opening a bank account. Im trying to fix what is wrong but I dont know how to. Please advise me what I need to do. Thank you, XXXX XXXX
07/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32835	Web
I FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVE YET TO RECEIVE ANY INVESTIGATION RESULTS XXXX XXXX XXXX
06/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33463	Web
please i see since XXXX / XXXX / 2013 reporting {$270.00} it is not true i need chexsystems removing that for me my phone # XXXX XXXX also email XXXX XXXX XXXX
11/19/2020	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	DE 19720	Web
I HAVE TRIED NUMEROUS OF TIMES TO GAIN INFORMATION ON A TD ACCOUNT THAT I NEVER OPENDED. THIS ACCOUNT IS STOPPING ME FROM OPENING ANY ACCOUNTS. THIS ACCOUNT IS NOT MINE.
06/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	NE 685XX	Web
ChexSystems report shows Certegy reporting a returned check, payee XXXX XXXX XXXX written XX/XX/XXXX. Check has been PAID IN FULL and should be removed from reporting.
08/20/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	OH 45342	Web
chex systems reports that i have deliquent bank accounts. I filled bankruptcy XXXX chapter XXXX included all bank accounts. now im on my feet and cant open an account
07/15/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MN 554XX	Web
I received my consumer report from Chex Systems and the consumer report has inaccurate personal information and inquiries that are fraudulent and do not belong to me.
06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OR 97202	Web
ChexSystems, a private for profit entity, has been providing my personal information and data to other for profit entities without my permission or informed consent.
04/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	WA 98683	Web	Older American, Servicemember
Security alert was made fraudulently on my ChexSystems Consumer report, XXXX, XXXX, and XXXX. Im pretty sure theres more. I need to get control of my identity again.
08/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 183XX	Web
On XX/XX/2023, XXXX ran a hard inquiry on my credit report with ChexSystems. Prior to applying for an account, I called and was told that it would be a soft inquiry
05/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19803	Web
XXXX XXXX XXXX XXXX Chexx Reporting inaccurate information and invalid information. My identity was stolen below is my consumer report :? XXXX Report Number : XXXX
04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28208	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX - Needs to be removed payment plan paid in full still reflecting on my current Credit Report. * CheckSystems - Removal
01/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 701XX	Web
remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX XXXX on XX/XX/2021 off my report with monetary relief. Or provide proof in writing within 30 days.
11/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 183XX	Web
I received my ChexSystems report and noticed a inquiry from XXXX XXXX XXXX on XX/XX/2023. I have not conducted any sort of business with this financial institute
07/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CA 92124	Web	Servicemember
I have never been evicted out of any place I have lived. I have an eviction on my Chexsystems report. Also it has two public records and I only have 1 bankruptcy.
08/31/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35244	Web
XXXX XXXX XXXX stated I was in their database due to an account with XXXX. I have never had an account with XXXX and I have contacted them to inform them of such.
07/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	OH 456XX	Web
I have attempted multiple time to get my consumer reports from XXXX XXXX, XXXX, and Chex Systems. I can not get them to provide me copies of my consumer reports.
01/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT XXXXX	Web
CHEXSYSTEMS , INC. CONSUMER RELATIONS XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX IS REPORTING FRAUDULENT INFORMATION IN MY GOOD NAME VIOLATING THE FCRA RULE OF LAW.
10/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	IL 60643	Web
There are reports of times and dates and city and state that was not done by me! XXXX XXXX XXXX, MI XX/XX/XXXX XXXX XXXX XXXX, KS XX/XX/XXXX XXXX XXXX XXXX, GA
08/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 954XX	Web	Older American
Somebody named chexsystems inc is telling people to not give me a checking account, I did not authorize this chexsystems to collect data on me or to report on me
01/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 080XX	Web
Please see attached complaint which includes my identity verification documents, FTC Identity Theft Report, and Copy of Most Recent ChexSystems credit report.
12/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38501	Web
ChexSystem- I am a victim of identity theft, and request that you remove the information listed inside the ID Theft Report or proper legal action will follow.
07/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60544	Web
Hello I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.
07/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 61115	Web
Hello I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.
12/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 349XX	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX ran my credit twice in a month. The second time I was not asked for permission or notified they were going to run it a second time.
01/27/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	UT 84032	Web
ChekSystems refuses to provide me with my consumer report despite entering all of my ID information and answering their XXXX security questions correctly.
05/09/2019	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	GA 30281	Web
Today I wanted to open a bank account was told to call XXXX XXXX and I filed a dispute last year still on XXXX as not approved. I was a victim of fraud.
03/02/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	GA 30052	Web
I had XXXX account with XXXX in XX/XX/XXXX and my account was paid in full closed in XXXX ending in XXXX. I did n't have any other account ending in XXXX
01/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 701XX	Web
remove fraudulent / unauthorized inquires from XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX on XX/XX/2020 or provide proof in writing within 30 days
12/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93720	Web
I REVIEWED MY CHEXSYSTEMS AND I NOTICED SOME DISCREPANCIES ON MY REPORT PLEASE SEE ATTACHED DOCUMENTS FOR REFERENCE AS IT CONTAINS PERSONAL INFORMATION.
04/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	AZ 85298	Web
Chex Systems is refusing to unfreeze my report for employment background check which means they may refuse to hire me. I need a copy of my report ASAP.
06/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Investigation took more than 30 days	GA 303XX	Web
I have filed a dispute in regards to the incorrect items on my report. It has been well over 30 days and I have not received any investigation results.
09/28/2018	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IN XXXXX	Web
COLLECTOR INGNORED CEASE AND DESIST AND DON'T CALL ORDERS ... AND NOW IS REPORTING ON CHEXSYSYTEMS, XXXX AND OTHERS IN VIOLATION OD THE DODD FRANK ACT.
09/28/2018	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IN XXXXX	Web
COLLECTOR INGNORED CEASE AND DESIST AND DON'T CALL ORDERS ... AND NOW IS REPORTING ON CHEXSYSYTEMS, XXXX AND OTHERS IN VIOLATION OD THE DODD FRANK ACT.
04/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76244	Web
I had completely paid off a charge off account at XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX reported to ChexSystems to remove the negative charge still
03/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 34953	Web	Older American
I requested a XXXX file on ne and I found a name tgat has never been mine and an address. I calleds XXXX to correct these errors but no resolution.
03/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT XXXXX	Web	Servicemember
Chexsystems report is showing a paid in full item from XXXX as a negative item. I called USBank and they do not show they had ever reported the item.
11/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	TN 37138	Web
I have a report from ChexSystems and they have reported information that should not be on there since the account ( XXXXXXXX XXXX was paid in full ).
09/21/2022	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	CA 90805	Web
I contacted the Chex system sent a letter told them it was fraud and someone has my identity they contacted me and said they are keeping it on there
05/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	NC 28262	Web
I will like to request a security freeze and address update on my file. The correct mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX.
04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92614	Web	Servicemember
Chex Systems is reporting a fraudulent account as charged off on my report. This was reported to the police in 2018. See attached police report.
03/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WI 53204	Web
I never made this inquiry, I never been or went to this place. Inquiry name : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX Date : XX/XX/2021
10/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77095	Web
inaccurate information being reported via chex systems, no knowledge of accounts XXXX XXXX XXXX XXXX provided chex systems PO REPORT and FTC report.
06/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 34471	Web
Chex Systems, Please see attached complaint - you have inaccurate personal information on my report that needs to be corrected as soon as possible.
03/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NY 148XX	Web	Older American, Servicemember
My account was closed on the XXXX XXXX XXXX Due to recent account activity, XXXX XXXX XXXX has made the decision to close my account ending in XXXX