Hello All, I have been reading and empowering myself on a great deal of knowledge regarding disputes,SOL,FCRA laws, etc... I haven't seen much talk about how to deal with ChexSystems. I disputed a listed account they had for me with a local bank in my area,( i did have an account with them in 2000 ), but the information such as my DL# was listed wrong. I was forwarded a letter that said the information was "verfied"( this was done in about 7 days total from the time i mail them my dispute). they informed me I could request a procedural request to find out how the info was verfied. My question is do i continue dispute the info with the OC or Chexsystems. Dell0316
Keep dealing with CS. Demand that they provide you with a REASONABLE investigation, as you are entitled to under federal law. I would however, send a quick dispute letter disputing the information to the OC; then if the OC verifies it without reporting that the information is disputed, they have another violation (they technically are violating if they don't note disputed even when you dispute through the CRA, but the more violations, and the more direct the notification of dispute, the better. )
Here is what I would do. First things first, re-dispute the tradeline with CS--if they will not reinvestigate or if the they do investigate and the tradeline comes back as verified once again, do the following: 1. Send a request for procedures to CS--be sure to note the date you disputed the tradeline. 2. Wait a couple of days and send a letter of dispute to the OC informing them that they are reporting inaccurate information. 3. Check CS after you get the greencard from the OC back to see if it has been marked as disputed or if the information is being reported correctly. 4. Wait for the procedural request information to come back to you--if you do not receive the request for procedures within 15 days of their receipt of the first letter, send an ITS demanding the procedures used to verify the tradeline. 5. After either receiving the procedures or sending out the ITS in step #4: if the OC has not yet corrected the inaccurate information, fire out another notice of dispute to the OC and inform them that this is the second time you have notified them that they are currently reporting inaccurate information and they have failed to mark the tradeline as disputed-- be sure to include the CMRR# of the previous letter. 6a. If you sent an ITS in step #4: wait until about 15 days after they receive ITS, then file suit if you have not yet received the procedures for verification. 6b. If the OC has sent you any correspondance in regards to the letters you sent to the OC about furnishing inaccurate information and such letters have indicated that the OC does not have the correct information, you may use these as supporting evidence that CS failed to reasonably investigate the tradeline and add that to your suit, as well. 7. If the OC has not yet corrected the inaccurate information: send an ITS to them noting that they have 5 days from receipt of this letter to correct the inaccurate information or delete the tradeline or you will sue them for furnishing inaccurate information to CS. 8. Most likely the OC will simply delete the tradeline since they have probably been unable to find the correct information at this point, but if they do not, file your suit against the OC.
