I am rejecting this response because: chexsystems is in violation of my rights and FEDERAL LAW[S], memorandum in support on the documents provided, also florida statute prohibits the use of personal information and is a 2nd degree felony, chexsystems provides no tangible proof to validate thier criminal activity and making deformatory reports on me is not granted by permission of anybody, that is crazy,, Title XLVICRIMESChapter 817FRAUDULENT PRACTICESView Entire ChapterCriminal use of personal identification information.—(1) As used in this section, the term:(a) “Access device” means any card, plate, code, account number, electronic serial number, mobile identification number, personal identification number, or other telecommunications service, equipment, or instrument identifier, or other means of account access that can be used, alone or in conjunction with another access device, to obtain money, goods, services, or any other thing of value, or that can be used to initiate a transfer of funds, other than a transfer originated solely by paper instrument.(b) “Authorization” means empowerment, permission, or competence to act.(c) “Harass” means to engage in conduct directed at a specific person that is intended to CHEXSYSTEMS has absolutely no VALID CAUSE OF ACTION FOR THIER CRIMINAL BEHAVIOR, I HAVE NEVER SEEN A ''BILL'' ,or a ''CONTRACT'' from them or a sworn affidavit from a complaining party that would justify thier action against me, so therefore what else have they been doing NOTHING BUT COMMITTING VICIOS CRIMES AGAINTS ME WITHOUT ANY VALIDITY AS I HAVE BEEN COMPLAINING NOW OVER YEARS AND THEY PERSIST IN THIER DEFORMATORY INFORMATION,
Chex Systems, Inc. (ChexSystems) has reviewed the complaint filed by this consumer. There are several methods a consumer can use to submit a request for a copy of their consumer disclosure report from ChexSystems. The consumer may submit a request through our website at... www.chexsystems.com, by voice messaging at ###-###-####, by fax at ###-###-####, by mail at Chex Systems, Inc., Attn: Consumer Relations, [redacted] Woodbury, MN, 55125. The consumer can also call our offices at ###-###-#### and select option 7 to speak with a representative. Regardless of the method of contact the consumer chooses, ChexSystems will send the consumer disclosure report by mail to the address provided by the consumer. Our records indicate that this consumer submitted a request for disclosure to ChexSystems by fax on February 16, 2017, and the report was mailed to her on February 17, 2017.
I am rejecting this response because: The name on the bill from [redacted] is not mines and they stated is was paidChexsystems is attempted dishonest unethical chargesThere is nothing owed to [redacted] They are not truthful and have bad intentionsI want this removed from my report immediatelyI need to see proof with my name on the goddaughter account I referenceThey liedI had to get an attorney request the bill from [redacted] and it’s paid and it’s nit even my name on it
Chex Systems, Inc(ChexSystems) has reviewed the most recent complaint communication filed by this consumer Please be informed that ChexSystems mailed a letter to the consumer on March 18, 2016, to inform him of our intent to investigate the information he has disputed A copy of that letter, with his ChexSystems Consumer ID number redacted, is attached for your review
Chex Systems, Inc(ChexSystems) has reviewed the complaint filed by this consumerOur records indicate that the most recent dispute we received from the consumer was submitted through our website on March 9, A letter was mailed to him on March 13, 2017, to notify him of our intent to investigate Letters have been sent to inform the consumer of various addresses and name variations that have been removed from his fileWe have also explained to him that investigations of inquiry and reported information are still progress and we will notify him of the results of each investigation as they are completedChexSystems did receive a copy of a police report from the consumer on March 10, 2017, however, it was not legible If he would like to resubmit a legible copy of the police report, ChexSystems would be happy to review that document and inform him of any actions takenThe consumer’s complaint also states that his dispute of information submitted by [redacted] Bank was not verified within the required timeframe The dispute of the [redacted] Bank report was received on February 27, 2017, and has been completed A letter was mailed to the consumer on March 3, to notify him that the disputed information submitted by [redacted] Bank has been verified to be accurate as reported, and therefore has been retained in his fileThe letter also provided contact information for [redacted] Bank should he wish to contact them directly to obtain additional information
Chex Systems, Inc(ChexSystems) has reviewed the complaint filed by this consumer Our records indicate that we received a dispute directly from the consumer As is our standard practice when a consumer dispute is received, ChexSystems mailed a letter to notify the consumer of our intent to initiate an investigation We notified Bank of America of the consumer's dispute and requested that they investigate the accuracy and completeness of the information they submitted to us Bank of America responded and verified the account information they reported to be accurateIn addition, Bank of America Missouri informed us that the account was closed based on account activity without a monetary loss Therefore, the date the account was closed was added as a Settled in Full date to the reported information This status does not negate the reporting of the account to ChexSystems and is intended only to reflect that no original charge off amount was reported ChexSystems mailed a letter to notify the consumer of the results of the investigation and included contact information provided by Bank of America Missouri should the consumer wish to contact them to obtain additional information
I am rejecting this response because:Its not telling if the report was cleared! There should not be any accounts on my file! I have not applied for any
Chex Systems, Inc(ChexSystems) has reviewed the complaint filed by this consumer ChexSystems is not a collection agency ChexSystems is a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act (FCRA)ChexSystems provides services to financial institutions and other types of companies that have a permissible purpose under the FCRAChexSystems' services primarily assist its clients in assessing the risk of opening new accounts ChexSystems neither approves nor declines accounts for our membersThe decision whether or not to open an account is entirely up to an institution and its individual policies When providing this service ChexSystems abides by the requirements of the FCRA and any applicable state statutes ChexSystems' clients regularly contribute information on closed checking and savings accounts, referred to as Reported information Reported information pertains to accounts reported for mishandling, closed for cause, and/or suspected fraud activity ChexSystems' current practice is to retain reported information on file for a period of five years unless the source of the information requests its removal or ChexSystems becomes obligated to remove it under applicable law The reporting member institution is under no obligation to remove accurate information, even after payment of monies owed However, the member is obligated to update the report with a paid in full or settled in full date when applicable Our records indicate that we have received communication directly from the consumer regarding the disputed information We have informed the consumer that one of the reported accounts is listed with a paid in full status The other account is listed with a closure status of Unpaid, therefore, as is ChexSystems' standard practice when a consumer dispute is received, we notified the reporting financial institution of the dispute and requested that they investigate the accuracy and completeness of the information they reported The financial institution responded to us and confirmed that the account is unpaid and should remain on our files as reported ChexSystems mailed a letter to the consumer on August 29, 2016, to provide the results of the investigation
I am rejecting this response because: chexsystems is in violation of my rights and FEDERAL LAW[S], memorandum in support on the documents provided, also florida statute prohibits the use of personal information and is a 2nd degree felony, chexsystems provides no tangible proof to validate thier criminal activity and making deformatory reports on me is not granted by permission of anybody, that is crazy,, Title XLVICRIMESChapter 817FRAUDULENT PRACTICESView Entire ChapterCriminal use of personal identification information.—(1) As used in this section, the term:(a) “Access device” means any card, plate, code, account number, electronic serial number, mobile identification number, personal identification number, or other telecommunications service, equipment, or instrument identifier, or other means of account access that can be used, alone or in conjunction with another access device, to obtain money, goods, services, or any other thing of value, or that can be used to initiate a transfer of funds, other than a transfer originated solely by paper instrument.(b) “Authorization” means empowerment, permission, or competence to act.(c) “Harass” means to engage in conduct directed at a specific person that is intended to CHEXSYSTEMS has absolutely no VALID CAUSE OF ACTION FOR THIER CRIMINAL BEHAVIOR, I HAVE NEVER SEEN A ''BILL'' ,or a ''CONTRACT'' from them or a sworn affidavit from a complaining party that would justify thier action against me, so therefore what else have they been doing NOTHING BUT COMMITTING VICIOS CRIMES AGAINTS ME WITHOUT ANY VALIDITY AS I HAVE BEEN COMPLAINING NOW OVER YEARS AND THEY PERSIST IN THIER DEFORMATORY INFORMATION,
Chex Systems, Inc. (ChexSystems) has reviewed the complaint filed by this consumer. There are several methods a consumer can use to submit a request for a copy of their consumer disclosure report from ChexSystems. The consumer may submit a request through our website at... www.chexsystems.com, by voice messaging at ###-###-####, by fax at ###-###-####, by mail at Chex Systems, Inc., Attn: Consumer Relations, [redacted] Woodbury, MN, 55125. The consumer can also call our offices at ###-###-#### and select option 7 to speak with a representative. Regardless of the method of contact the consumer chooses, ChexSystems will send the consumer disclosure report by mail to the address provided by the consumer. Our records indicate that this consumer submitted a request for disclosure to ChexSystems by fax on February 16, 2017, and the report was mailed to her on February 17, 2017.
I am rejecting this response because: The name on the bill from [redacted] is not mines and they stated is was paidChexsystems is attempted dishonest unethical chargesThere is nothing owed to [redacted] They are not truthful and have bad intentionsI want this removed from my report immediatelyI need to see proof with my name on the goddaughter account I referenceThey liedI had to get an attorney request the bill from [redacted] and it’s paid and it’s nit even my name on it
Chex Systems, Inc(ChexSystems) has reviewed the most recent complaint communication filed by this consumer Please be informed that ChexSystems mailed a letter to the consumer on March 18, 2016, to inform him of our intent to investigate the information he has disputed A copy of that letter, with his ChexSystems Consumer ID number redacted, is attached for your review
Chex Systems, Inc(ChexSystems) has reviewed the complaint filed by this consumerOur records indicate that the most recent dispute we received from the consumer was submitted through our website on March 9, A letter was mailed to him on March 13, 2017, to notify him of our intent to investigate Letters have been sent to inform the consumer of various addresses and name variations that have been removed from his fileWe have also explained to him that investigations of inquiry and reported information are still progress and we will notify him of the results of each investigation as they are completedChexSystems did receive a copy of a police report from the consumer on March 10, 2017, however, it was not legible If he would like to resubmit a legible copy of the police report, ChexSystems would be happy to review that document and inform him of any actions takenThe consumer’s complaint also states that his dispute of information submitted by [redacted] Bank was not verified within the required timeframe The dispute of the [redacted] Bank report was received on February 27, 2017, and has been completed A letter was mailed to the consumer on March 3, to notify him that the disputed information submitted by [redacted] Bank has been verified to be accurate as reported, and therefore has been retained in his fileThe letter also provided contact information for [redacted] Bank should he wish to contact them directly to obtain additional information
Chex Systems, Inc(ChexSystems) has reviewed the complaint filed by this consumer Our records indicate that we received a dispute directly from the consumer As is our standard practice when a consumer dispute is received, ChexSystems mailed a letter to notify the consumer of our intent to initiate an investigation We notified Bank of America of the consumer's dispute and requested that they investigate the accuracy and completeness of the information they submitted to us Bank of America responded and verified the account information they reported to be accurateIn addition, Bank of America Missouri informed us that the account was closed based on account activity without a monetary loss Therefore, the date the account was closed was added as a Settled in Full date to the reported information This status does not negate the reporting of the account to ChexSystems and is intended only to reflect that no original charge off amount was reported ChexSystems mailed a letter to notify the consumer of the results of the investigation and included contact information provided by Bank of America Missouri should the consumer wish to contact them to obtain additional information
I am rejecting this response because:Its not telling if the report was cleared! There should not be any accounts on my file! I have not applied for any
Chex Systems, Inc(ChexSystems) has reviewed the complaint filed by this consumer ChexSystems is not a collection agency ChexSystems is a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act (FCRA)ChexSystems provides services to financial institutions and other types of companies that have a permissible purpose under the FCRAChexSystems' services primarily assist its clients in assessing the risk of opening new accounts ChexSystems neither approves nor declines accounts for our membersThe decision whether or not to open an account is entirely up to an institution and its individual policies When providing this service ChexSystems abides by the requirements of the FCRA and any applicable state statutes ChexSystems' clients regularly contribute information on closed checking and savings accounts, referred to as Reported information Reported information pertains to accounts reported for mishandling, closed for cause, and/or suspected fraud activity ChexSystems' current practice is to retain reported information on file for a period of five years unless the source of the information requests its removal or ChexSystems becomes obligated to remove it under applicable law The reporting member institution is under no obligation to remove accurate information, even after payment of monies owed However, the member is obligated to update the report with a paid in full or settled in full date when applicable Our records indicate that we have received communication directly from the consumer regarding the disputed information We have informed the consumer that one of the reported accounts is listed with a paid in full status The other account is listed with a closure status of Unpaid, therefore, as is ChexSystems' standard practice when a consumer dispute is received, we notified the reporting financial institution of the dispute and requested that they investigate the accuracy and completeness of the information they reported The financial institution responded to us and confirmed that the account is unpaid and should remain on our files as reported ChexSystems mailed a letter to the consumer on August 29, 2016, to provide the results of the investigation