New to Chex

[raichelle2]

I have an entry on my Chex report (recently ordered)

 

The account was Washington Mutual... at the time I only had a checking and a savings...

to make a long story short, my leasing office went hay-wire with my account and caused it to go way in the negative... around $7 or $9 hundred dollars. (I need to look for the copy of that history)

 

Any hoo....

Here is how it is reporting

 

Wamu

What is a RTN #?

I was currently living in IL at the time it happened.

Account # xxxxxxxx

Date reported: 12/24/2005 MERRY CHRISTMAS! BAHHUMBUG!

Reported for: Overdrafts

Debt Reported: ChexSystems has no debt information available. May we suggest that you contact the source of the information to determine whether or not a debt is owed

 

I paid this debt IN FULL shortly after the ordeal went down.

 

How do I get this off my report?? Feel free to direct me to previous post.

[mca]

I believe the RTN number is just the number that chexsystems uses on their reports, the same as any CRA has a report number.

 

There is no guarantee for removal. WAMU is a very hard bank to deal with when it comes to chexsystems issues. You can file a dispute and see what happens. Your report is a typical one and not too bad especially for WAMU. At least they reported overdrafts and not account abuse or fraudulent activity. They are famous for those vague indicators. Depending on where you live, you should not have too hard of a time finding a bank with your report. But of course it is always best to go with a non-chex bank if possible.

[raichelle2]

Thanks MCA.

 

I rushed to pay this account ... because I know it "didn't look good" but at the time I had NO IDEA! waht Chex was and now I am paying the price.

 

The funny part is I have since opened up 4+ accounts since this incident, several checking and several savings, I love banking with Wamu but the reason I got denied was apply for a secured cc. Go figure! They approved me for several account but denied me for a secured! What is the difference?!?!

I am just borrowing against my own deposit.

 

How would I dispute this? What would I say... "paid before it was reported to Chex?"

 

They sent a form with my Chex report... to fill in the blanks for a dipute I guess. Do I write my own dispute?

 

Thanx so much for your wisdom with this MonsterSystem.

[raichelle2]

Oh! And another thing... is there fault in what they provide in the Debt Reported section??

 

ChexSystems has no debt information available. May we suggest that you contact the source of the information to determine whether or not a debt is owed

[mca]

yes they should at the very least say that the there is no debt owed. This is the first letter that I suggest in a dispute with chexsystems ..chances are they will verify and not remove and then you will need to send a PR letter as your next step. Keep me updated.

 

Letter # 1 (Original Dispute with Chexsystems)

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.:

I have recently been informed that there is negative information reported by (name of bank) 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 "(condition such as NSF)" in (month/year).

I am unaware of ever having a "(same as condition above)" from this bank.

 

Please validate this information with (name of bank) and provide me with copies of any documentation associated with this "(same condition as above)" 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.

My contact information is as follows:

 

Your Name (printed or typed, not signed)

SSN

Address

Cc: (insert lawyer's name here)

[mca]

One more thing I almost forgot

 

*IMPORTANT* - You must send your report via CERTIFIED MAIL, with a return receipt requested. This will not only ensure its delivery, but you will have a documented time of when it was received. This is very important because Chexsystems is governed by the FAIR CREDIT REPORTING ACT as a consumer reporting agency.

 

By law, they have to investigate and verify any disputed information within 30 days. If they fail to respond or verify your information, all disputed information MUST be removed. Many times, they fail to do so, and your information will be DELETED!

[raichelle2]

How do you list the lawyer... just their first and last name? a particular title? address?

[mca]

oh I am sorry, you do not have to list an attorney unless you have one. Some people do just as a scare tactic

[raichelle2]

I got friends in "low" places...

so I put her name. It was sent 15 minutes ago, CMRR!

Thanks mca.. you're heaven sent, I'll keep you updated.

[raichelle2]

Is Chex required to mark your account as "dispute"?

 

If so, how do you check that they do? Is this a violation?

[raichelle2]

got the green card back

[raichelle2]

I got the green card back on the 30th and got a letter in the mail to date stating this:

 

This letter is in response to your recent communication regarding information contained in your consumer file at Chex.

 

Please be informed that you file has been forwarded to the appropriate personnel for handling. If a reinvestigation is necessary, we will contact the sourse of the information to request that they verify the accuracy and completeness of the information they submitted to us.

 

Under normal circumstances, Chex will notify you of the results of the reinvestigation within approximately thirty days. However, if additional information and/or documentation is provided by you during the course of investigation, the time frame will be extended by up to 15 days to allow the source sufficient time for review.

 

Blah Blah Blah...

 

Is this their way of saying they received my letter? Random... they could have saved the time and postage cost....

[mca]

Lately that has been the letter that everyone has been getting .. once 30 days has passed or is close, if they have not responded then send a letter stating that they must remove immediately. The letter you have is not a response to your dispute. They still have not verified. If they say they verified it within the 30 days still send a procedural request.

[raichelle2]

This is what Chex had to say

 

This letter is to inform you that the reinvestigation of information contained in your consumer files at Chex is complete.

 

The disputed information submitted by WAMU has been changed at the request of the source of the information. The report has been updated as Paid in Full/ Settled Date 01/13/2006. With this change, they have verified the information to be accurate and complete as reported. Therefore, it has been retained in your file.... BLAH BLAH

 

I can type the rest if need be...

[mca]

Send in a PR

 

Letter # 2 (Send this 2nd letter if you receive a letter from Chexsystems saying your account was verified as "legitimate" by ChexSystems)

 

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.

 

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

[raichelle2]

you can get em in small claims if they don't "fully" verify...

 

thanks mca...

 

has this letter worked for others?

[mca]

yes many but remember there is no guarantee for removal. If they do not remove, the next step is to dispute with the bank itself but WAMU is very hard to deal with

[raichelle2]

I wrote the letter as you suggested and sent it off on the 18th.. it is now the 28th... and i have NO green card back!

 

What to do?

[mca]

I would wait 4 more days and send them this..certified mail with a copy of the PR request attatched ..............they have 15 days to respond to the PR request but I would send this one out a day early.

 

 

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.:

As I have not heard back from you in over 15 days regarding my reinvestigation of dispute dated (date your letter was sent), I must presume that no proof in fact exists.

 

Your failure to respond, 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 are reporting my name and social security number in error, and that this matter is permanently closed.

 

You are currently in violation of the Fair Credit Reporting Act. Please remove my name from your files immediately or I will seek damages.

 

Your Name (printed or typed, not signed)

SSN

Address

[raichelle2]

ok.

a) what is a PR?

b)what and why would you send it out a day earlier?

 

I like this letter

[mca]

PR is a Procedural request and I would send it out a day early just because it will take a day in the mail anyhow

[raichelle2]

Oh ok, I just found the tracking number and NOTHING has been updated since July 18. It only says that my package was accepted... should I still fire off the letter written above?

[Guest Bree82]

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.

 

Is it just me or did the letter state that they updated it to Paid in Full with Date Settled.

 

How does that first sentence relate to her case?

 

And RTN means routing number - your banks ID number thats on all your checks before your account number.

[raichelle2]

They finally responded, this is what they said.. in a nutshell:

 

"As stated in our previous correspondence dated July 3, This letter is to inform you that the reinvestigation of information contained in your consumer file is complete.

 

The disputed information submitted by Washington Mutual has been changed at the request of the source of the information. The report has been updated as Paid In Full/ Settled In Full Date 01/2006. With this change, they have verified the information to be accurate and complete as reported. Therefore it has been retained in your file. Enclosed is a copy .... BLA BLAH BLAH

[mca]

yea..that does happen, your next step would be to dispute with the WAMU