I disputed an account marked 'NSF" with Chex and it came back verified with a printout of part of my checking account and the signature card from the bank. Chex did change it from "nsf activity" to "paid in full".

Now what?

Who was the reporting bank? You may not be able to get it removed. Some banks are harder than others. Since they showed you the signature card and changed your report, it will not be easy. Their records are not updated and legit. At this point all you can try is disputing with the bank. Here is a sample letter that you can change around to fit your situation best etc

Another angle you may want to consider is how you are reported. Does the report indicate:
-NSF
-Abuse
-Suspected Fraud

Chexsystems allows the vague "NSF" "ABUSE" AND "SUSPECTED FRAUD" flags because they are harder to dispute and remove. There are no clear standards for what is considered NSF, ABUSE, or FRAUD. They can mean anything a bank wants them to. What proof do they have to flag an account NSF, ABUSE, or FRAUD?


Name and Address of original bank
RE: Acct # [account number]
TO: Whom It May Concern:
I am writing regarding the unpaid debt on account # [account number], which I dispute.

Please be aware that any negative mark on my Chexsystems report for a debt I don't owe is in violation of the Fair Credit Reporting Act (FCRA). Therefore, if you cannot validate the debt, you must request that all credit reporting agencies that you have reported to delete the entry. In addition, until I have received and reviewed any evidence you provide me, I ask that you take no action that might damage my credit reports.

If the debt described above has been resolved, I ask that you remove, or have removed, any derogatory marks from my Chexsystems, and Credit reports per the FCRA and send me confirmation that you have done so.
Please note that if you fail to respond within 30 days of receipt of this certified letter, I am prepared to take legal action against your company for causes of action including, but not limited to, defamation, fraud and violations under the Fair Credit Reporting Act.

By sending this letter, I am disputing the validity of your claims. This is my attempt to correct your records. Please be aware that any information I receive from you will be collected as evidence should any further action be necessary.

Your full name signed here
Your printed full name here

You might want to try a polite letter or walk into a branch and ask for a manager to remove you from Chex. Definitely playing devils advocate from the viewpoint of the bank (or their legal department), the bank (not typical) pretty much has a prima facia evidence of correct reporting. The Chex report was updated to show that the account was paid in full and if your letter basically says to the bank "If you don't delete then I am going to sue" may get the response "Go ahead"