Letter 3 (Send if ChexSystems fails to respond to Letter 1 within 30 Days)
[Your Street Address]
[City, State, ZIP CODE]
ChexSystems Consumer Relations
7805 Hudson Road
Woodbury, MN 55125
RE: Consumer ID # (retrieve this number from your ChexSystems report)
It has been 30 days since I sent my initial validation request and I have not received a reply. As there has been no communication from you, I must conclude that you do not have the information available to validate the [negative listing] from [bank]. Because the [negative listing] remains on my ChexSystems file, I must also conclude that you are reporting this information in error.
Please be aware that your failure to respond to my request is a violation of the Fair Credit Reporting Act, as is the continued listing of inaccurate and unverifiable information in my file. Unless I am notified otherwise within 30 days from your receipt of this notice, I will conclude that you and [name of bank] have waived all claims in this matter, and that the issue is permanently closed.
Likewise, if the [negative listing] is not removed from my ChexSystems file, I will file suit in small claims court to retrieve damages for your ongoing violation of the FCRA.
Please note that this communication, for the purposes of 15 USC 1692 et seq., has the same effect as a dispute to the validity of the alleged debt. This communication is also a dispute to the validity of your claims pertaining to [negative listing].
This communication has been sent in an attempt to correct your records and to preserve my rights underneath the FCRA. Any information obtained from you will be collected as evidence should this matter remain unresolved. Please note that this letter is a request for information only, and is not a statement, election, or waiver of status.
To facilitate the timely correction of this matter, my contact information is as follows:
[Your Name] (make certain it is printed or typed; do not provide a copy of your signature)
[City, State ZIP CODE]
[If you have retained legal counsel, you will want to include their name(s) here and let them know that you are sending this notice so that they have the opportunity to fully advise you on your rights as a consumer.]