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Below are dispute letter samples. These formats, and wording, that has worked successfully many times in getting peoples names removed from ChexSystems. It has worked for ChexSystems. And these same formats have work for having the Credit Bureau's remove negative items from credit reports!

The first is a dispute letter directly to the bank that is reporting you to ChexSystems.

The following three is the sequence of letters that you will send directly to ChexSystems.

Simply copy and paste into your word processor (Microsoft Word, WordPerfect, etc.) Modify with your information, account numbers, and brief details of the dispute.

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 mailing

You should send this letter certified mail, which would require someone to sign for it, it will get their attention, plus you will have a name and date your letter was received, as evidence.

This may be the only letter you will need to send. This letter alone has gotten numerous people removed from ChexSystems.

However… if you DO NOT receive an answer or any kind of response after more than 30 days from the time they received your dispute (request for investigation letter) then send following second letter along with another copy of the first dispute letter, and a copy of the register mail receipt that shows the date it was delivered and the name of ChexSystems employee that signed for it.

Also send this letter by certified mail:

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

(Wenger versus Trans Union was a court ruling imposed against Trans Union, one of the big 3 Credit Bureaus, involving thousands of dollars in fines because they failed to respond in a timely manner after repeated notifications when Wenger was a victim of identity fraud. The issue being Trans Union’s failure to respond after repeated contacts by Wenger! It cost them thousands of dollars. All Credit Reporting agencies are well aware of Wenger v Trans Union.)

This second letter (if necessary) is very effective to challenge, correct and/or get items removed from your ChexSystems report, or your regular Credit Report for that matter.

Even if the information reported is absolutely correct they may not respond in the required time frame, and it may just not be worth the hassle to them. It may just be easier to simply delete the information.

Again… if that bank does eventually responds… even long after the 30 days, ChexSystems can place the information right back on the report.

So if you received notice from them that you record has been deleted you want to open as many accounts as you feel you need as soon as possible.

What if ChexSystems does respond within 30 days?

If ChexSystems fails to respond to the first, or the second letter and in addition they never corrected of deleted your report, you will have some very powerful ammunition on your side. You can again consider sending another certified letter in even stronger language demanding that the items be deleted. Or perhaps you should truly considered taking the copies of the letters, & the certified mail receipts and having a consultation with an attorney that has experience with the credit agencies. At this point the law is on your side, and they are clearly in violation.

But what if ChexSystems does respond within the time period, and informs you that the bank did verify the information as correct?

Well often times all ChexSystems did was pick up the phone… call the bank… and a bank employee looks in the computer and says yes we do show a record for this person.

This is NOT evidence whether the information is correct, or incorrect. This is NOT providing you with copies of documentation bearing your signature as you originally requested.

If ChexSystems replies with just a simple letter stating they contacted the bank, and the information was verified, and… they’ve provided no supporting documentation. You can continue the process using the format of this next letter:

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 enclose copies of the certified mail receipt of Letter 1 and Letter 2 if applicable. Also include copies of any and all evidence that can help support your dispute, such as all communication and letters, (including the Bank Letter, above) that you have sent to the directly the bank that reported you.


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