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Chexsystems Prove It 2

This letter is a response to a claim by Chexsystems that the consumer has an unpaid debt with a bank. The consumer requests documentation of the alleged debt and details of the investigation. The letter warns that if documentation is not provided, a complaint will be filed with regulatory agencies and a small claims case pursued for damages related to defamation, identity fraud, and Fair Credit Reporting Act violations. The consumer maintains the reported item is inaccurate and restricting their banking abilities.

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Elcana Mathieu
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324 views2 pages

Chexsystems Prove It 2

This letter is a response to a claim by Chexsystems that the consumer has an unpaid debt with a bank. The consumer requests documentation of the alleged debt and details of the investigation. The letter warns that if documentation is not provided, a complaint will be filed with regulatory agencies and a small claims case pursued for damages related to defamation, identity fraud, and Fair Credit Reporting Act violations. The consumer maintains the reported item is inaccurate and restricting their banking abilities.

Uploaded by

Elcana Mathieu
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as DOCX, PDF, TXT or read online on Scribd
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Your Name

Your Address

Chexsystems Consumer Relations


7805 Hudson Road
Suite 100
Woodbury, MN 55125

Date
RE: Consumer ID # (your consumer ID # here)

Consumer Relations Dept.:

This letter is in response to your recent claim that (Name of Bank) 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 (Name of Bank). 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. This report is
SEVERELY (if not completely) restricting my banking abilities.

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 Missouri 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 $5,000 in damages
for the following:

1.) Defamation

2.) Negligent Enablement of Identity Fraud

3.) Violation of the Fair Credit Reporting Act

My contact information is as follows:


Your Name (printed or typed, not signed)

SSN

Address

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