Chexsystems Solutions A Member of Consumers  Info USA  letter samples. These formats, and wording, that has worked successfully many times in getting peoples names removed fro Be sure to make copies of everything for your records: Bank Letter Name and Address of original bank RE: Acct # [account number] TO: Whom It May Concern: I am writing regarding the unpaid debt on account # [account number], which I dispute. According to the Fair Debt Collection Practices Act, I am requesting "validation," or competent evidence that bears my signature and shows I have some contractual obligation to pay you. Please be aware that any negative mark on my ChexSystems report for a debt I don't owe is in violation of the Fair Credit Reporting Act (FCRA). Therefore, if you cannot validate the debt, you must request that all credit reporting agencies that you have reported to delete the entry. In addition, until I have received and reviewed any evidence you provide me, I ask that you take no action that might damage my credit reports. If the debt described above has been resolved, I ask that you remove, or have removed, any derogatory marks from my ChexSystems, and Credit reports per the FCRA and send me confirmation that you have done so. Please note that if you fail to respond within 30 days of receipt of this certified letter, 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. By sending this letter, I am disputing both the validity of the alleged debt and the validity of your claims. This is my attempt to correct your records. Please be aware that any information I receive from you will be collected as evidence should any further action be necessary. Your full name signed here Your printed full name here     ChexSystems - First Letter Date FROM: Your Name Your Address City, State Zip Code Social Security Number TO: ChexSystems Customer Relations SUBJECT: Dispute of Report I have obtained a copy of my ChexSystems report. This letter is to serve as notification to you of a formal complaint that the following information is incorrect: Bank Name Date [List the disputed information here: example - amount is incorrect, wrong date, this is not your credit line, you’ve never had an account with this bank, the amount was paid and not updated on report, the dates are wrong, or any other reasons you are disputing the record] The above listed items are inaccurate and/or incomplete. This is a very serious error in ChexSystems reporting. I am aware that Credit reporting laws ensure credit-reporting agencies only report 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. This is a violation of the FCRA, and therefore needs to be investigated. I respectfully request that, within 30 days of the receipt date of this letter, I be provided proof of these alleged items, specifically the contract, note or other instrument bearing my signature. If this is not provided to me with in this period I am formally requesting that these item must be deleted and removed from my report. Thank you for your assistance in this matter. Your Name and Signature Make copies of all documents before mailinghis letter certified mail, which would require someone to sign for it, it ChexSystems - Second Letter Date FROM: Your Name Your Address City, State Zip Code Social Security Number TO: ChexSystems Customer Relations SUBJECT: Dispute of Report 2nd Request In a letter dated [List date of first letter], sent certified mail and signed by [Name of ChexSystems employee that signed for the letter], I formally disputed information on my report and requested that you investigate correct, or remove the following information in my ChexSystems report: [Re-List the disputed information here, exactly as on the first letter: example - amount is incorrect, wrong date, this is not your credit line, you’ve never had an account with this bank, the amount was paid and not updated on report, the dates are wrong, or any other reasons you are disputing the record] To date, I have not received confirmation that you have done so. I have not received any communication from ChexSystems at all regarding this matter. I am maintaining a careful record of my communications with you on this matter, including the name and date received of my certified letters, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. As 30 days have now passed, this letter is my formal demand to be removed from the ChexSystems database. Please note violations of the Fair Credit Reporting Act have already occurred by the inaccuracy of my report, and your failure to respond to my formal dispute. I have already obtained consultation regarding this matter, including information on precedence set by the court ruling in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995); it is with their assistance that this letter prepared to you. Willful non-compliance is a very serious matter. Please immediately send confirmation of the deletion of my record to the address above. If I do not hear from you within ten business days, I am prepared to take legal action to remedy the situation. Your Name and Signature ( ChexSystems - Third Letter Date FROM: Your Name Your Address City, State Zip Code Social Security Number TO: ChexSystems Customer Relations   RE: [Enter the case ID number on the ChexSystems letter you received] I am writing in response to your claim that [Name of Bank] has confirmed my unpaid debt. Please note that you have failed to provide me a copy of the evidence submitted to you by this bank. In my dispute I requested a complete investigation to include copies of any documents by [Name of Bank] which contains my signature to validate their clam. 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 continues to be inaccurate and incomplete. It continues to represents a serious error in your reporting, and a violation of the FCRA. In addition I am requesting 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 re-investigation. In addition, please provide the name, address, and telephone number of each person you contacted at [Name of Bank] regarding my alleged account. It is my understanding that your continued failure to comply with federal regulations can be investigated by the Federal Trade Commission. For this reason, I am maintaining a careful record of all of communications with you by certified mail, should I need to file a complaint with the FTC and my state of [enter your state] Attorney General's office. This is my [second/third] letter to you regarding this matter! If you do not respond within 15 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 Your Name and Signature Be sure to     Sign Up for Our FREE Chexsystems Help Tips Free Tips and Advice, to get removed off Chexsystems! Even open new bank accounts while still in Chexsystems! To Thank You for Subscribing You will receive absolutely FREE Understanding your Credit Most of us were never taught the basics of  how credit works! Understanding your Credit will teach this... and more. It currently sells online for $29.99 But you will receive it as a FREE GIFT!    Now is the Time for  Chexsystems Solutions to   Help You Get A New Account! Non Chexsystems Banks      Second Chance Checking Accounts Pre-Funded Accounts       Chexsystems Removal Guide   Consumers Info USA 809 Aberdeen Rd  Drawer 9001                                           Hampton VA 23670