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I had a checking account with Chase that charged off in 2009, and it was due to a bank error. The Chase ATM malfunctioned and never credited my deposit, yet the check I deposited cleared the account it was drawn on (at BOA) in a timely manner. Long story short, I had to fight with Chase for months, and eventually the CO amount was dropped from roughly $217 to $73. It was NOT a settlement – it was the amount they came up with, after they adjusted for THEIR error. I paid the $73 in March 2013, and it was reported as paid to Chex. (I really don’t think I actually owed anything, but I stopped fighting and paid the lower amount.) Fast forward to January 2014 – I requested a copy of my Chex report, since I’d never reviewed it for errors. The Chase item is still listed with the original WRONG amount of $217, and is classified as “paid in full.” I disputed this, since it’s wrong – the CO amount was NOT $217, it was $73. Chase verified and updated nothing. So I sent a 623 investigation to the Chase address listed on my Chex report. It is the exact same address on both my original report (FACTA disclosure in January) and the “updated copy” I received from my Chex dispute in March – nothing changed. My 623 investigation request to the listed Chase address was returned as “undeliverable as addressed” – it was sent CMRR. Since I’ve disputed the info w/Chex, and I followed-up with a 623 request to Chase – mail returned as undeliverable – should I dispute AGAIN with Chex, or should I go to the CFPB or some other regulatory board…?