Help understanding CHEX report

[newhomein2004]

I tried to open an acount with a local CU and was turned down due to a Chexsystems report, so I order the report and this is what it says.

 

Dear xxxx,

 

Enclosed is the copy of the information currently in your consumer file at Chexsystems. This report is based ont eh identifiers you have provided to us.

 

There is additional information on our files which is similar to yours, however since the identifiers you provided did not match those listed in our files we are unable to release that infomation to you. If you can provide us with the following identifiers, we would be happy to continue our search and release to you any additional matching information.

 

- addresses for the past five years

 

If you have any question, blah, blah, blah.

 

The thing is I have lived at my address since 7/28/04. So this is the only address I have had for the past 5 years.

 

What do I do now? and how??

 

Thanks!

[higher180]

it sounds like they couldn't verify your identity. I think MCA would be better to answer your question.

[mca]

You have the right to know if all the information contained on your credit report is true and accurate. As a consumer, you have the right to dispute information which you think are false, erroneous or fraudulent.

 

The Federal Fair Credit Reporting Act protects consumers from such inaccuracy or possible fraudulent accounts contained in their credit report. In fact, if a credit reporting agency or a credit bureau refuses to give you the appropriate service you need, you may also report it to The Federal Trade Commission.

 

Every year, all consumers are allowed to obtain a copy of their report from the three major credit bureaus for free. ChexSystems is a credit reporting agency by definition and tehy also must provide you with this information. Thus, after making a careful examination on your credit report, you can inform the credit bureaus/chexsystems if you find any disputable records on your credit report.

 

I would send them a certified letter along with a copy of the letter that they just sent to you and demand a copy of your report. Tell them that they are in violation of the FCRA. Inform them that you have provided them with accurate identification (that does include your social security number) make a copy of your DL and send it to them and remind them that they law and that you will file a complaint with the FTC. To process your request, you will need to provide specific information, such as your name, current and previous addresses, telephone number, social security number, and date of birth. Also, to verify your identity, other information such as a copy of your driver's license, utility bill(s), or bank statement may be required. Tell them that you have provided them proper identification and are concerned that there may be inaccurate information on your file.

 

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre35.pdf

 

 

File a complaint with the FTC https://www.ftccomplaintassistant.gov/FTC_W...rd.aspx?Lang=en

 

 

Is your complaint or concern regarding identity theft?

 

Yes

 

No

 

 

Is your complaint most closely related to:

 

Debt collectors or debt collection practices

 

Credit Reports

 

Dissatisfaction with other business practices

 

 

Is the company:

 

 

A credit reporting agency or credit bureau

 

Someone supplying credit information about me.

 

Someone viewing my credit report

 

 

Did you experience any of the following? Please select all of these that apply:

 

 

The 'fraud alert' on my credit report did not prevent identity theft.

 

The credit bureau failed to provide contact information for the company that accessed my credit report.

 

The credit bureau provided me an incomplete or incorrect version/copy of my credit report.

 

I’ve asked the credit bureau not to list my entire SSN on my credit report, but they failed to honor my request.

 

The credit bureau will not supply me with my credit score information.

 

When investigating my dispute, the credit bureau’s reports contained unverified information.

 

The credit bureau will not provide me any help over the phone.

 

The credit bureau provided my credit report to a company that I have no business relationship with.

 

The credit bureau will not allow me access to my credit report.

[higher180]

 

MCA, they should just make you a moderator, you have the most knowledge in this area. I'm glad we chex people have your expertise.

[mca]

thank you Higher. I am a lead and that is just perfect for me but I appreciate your confidence in me

[newhomein2004]

Thanks for the help.

 

I will send them the letter.