Hello, I'm back on CB after a long absence. Please forgive me if my ? seems elementary.

Here is a response letter I received from OC after they received my first dispute letter.

Your overdrawn account has been closed and transferred to the Special Assets Recovery department for collection. This overdraft balance has been reported to Chexsystems and, depending on the balance, the Credit Bureaus. The full balance is immediately due and payable. You may pay directly with any Frost Bank Lobby teller. Or you may mail payment in full to:



Should I be disputing this with the OC or Chexsystems to have this deleted?

You can dispute with Chexsystems but it is likely to come back verified. Is the amount owed legitimate and can you pay it off ?? If so then you can try for a PFD.

The response in my first post is from the bank, after I sent them a PFD letter.

your dispute needs to be with chexsystems

If Chexsystems deletes, will it be deleted from Experian and TU.

Or do I also have to get EXP and TU to delete in addition to Chexsystems?

you need to dispute all of them seperately