ChexSystems Dispute Letter 4

ChexSystems Dispute Letter 1 | ChexSystems Dispute Letter 2 | ChexSystems Dispute Letter 3 | ChexSystems Dispute Letter 4

Letter 4 (Send to the Bank that reported you to ChexSystems, in addition to sending Letter 1)

Your Name
Your Address

Date

Name and Address of original bank

Re: Acct # 000-000-000-000

To Whom It May Concern:

This letter is regarding account # (insert # here), which you claim (insert condition here, such as “I owe $200.00?). This is a formal  notice that your claim is disputed.
I am requesting validation pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting “validation,” which is competent evidence bearing my signature, showing that I have (or had)  some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports (including ChexSystems credit reports) from your company or any company that you represent for a debt that I don’t owe is a violation of the Fair Credit Reporting Act; therefore if you cannot validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this  certified letter will result in legal action against your company. I will be  seeking a minimum of $5,000 in damages for:

1) Defamation
2) Negligent Enablement of Identity Fraud
3) Violation of the Fair Credit Reporting Act

For the purposes of 15 USC 1692 et seq., this Notice has the  same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not  a statement, election, or waiver of status.

My contact information is as follows:

Your Name (printed or typed, not signed)
SSN
Address

CC: (insert lawyer’s name here), Esquire