Hi Folks, I'm wondering if you have advice on how to get this removed from DH's Chex report:

Source of Information: HSBC BANK USA, NA, [city, state]
Reported Name: [DH's name]
Reported Address: [very old address of his, not his current address]
Reported SSN/ID: XXX-XX-[last four digits]
Drivers License: [blank] State: [blank]
RTN: [number] Account: [number]
Date Reported: XX/XX/2007 (X's to help mask ID from prying Chex-based eyes)
Reported For: ANY AMOUNTS OWED HAVE BEEN PAID/ACCOUNT ABUSE
Original Charge Off Amount: $XXXX [amount]
Paid in Full/Settled in Full Date: XX/XX/2007 (X's to help mask ID from prying Chex-based eyes)

The red portions are incorrect:
- DH has not lived at that address for a while, although it was his address when he opened the account.
- He never abused the account, but he did miss two payments before we caught up and eventually paid in full
- The account was never charged off

He has great credit, but with this entry in his Chex we can't get him into my credit union. So we really need to have it removed.

Thank you for any and all advice you can provide.

PS - Also, his report shows three old addresses but not our current one.

okay so he has 2 banks reporting him from 2007?

Hi, thanks for your reply.

It's just one, HSBC for a loan he took for my engagement ring. He paid it off but missed two payments at one point.

Has he tried to contact HSBC and plea with them to remove him from chexsystems. Explain to HSBC that the account is in good standing and was never charged off but the fact that they are reporting him is now restricting his banking abilities. I would try that first and if all fails then I would file a dispute with chexsystems. Also inform them that they have reported him for account abuse ( which is not true and that they do not have any proof as such or basis to report it this way

Hi mca,

Thanks for your reply. We haven't contacted HSBC yet, do you know who we might contact there?

Thank you again!

here is the Headquarters in the US address.

HSBC USA Inc.
452 5th Ave.
New York, NY 10018
NY Tel. 212-525-5000
Toll Free 800-975-4722
Fax 310-781-4142

I believe Michael P. Ebbs is still the CEO so I would maybe call to get that information. You may also want to contact a local branch where you live first just to see if they are willing to help you.

Thanks mca, you rock