i beat chexsystem

[dogtown01]

today i beat chexsystems, i sent them a dispute letter asking them to do there jobs and to provide me with proof that it was me who open this bank account. and they where not able to now i am on my way to the bank to upgrade my baddie bank acc to a good acc thats free to use and junk.

[julieann]

I need to do the same thing! How did you dispute it? Do you have a particular letter you used? Thanks

[Game Plan]

I would like to know as well.

[dogtown01]

i will post the letter the second i get home for ya guys

[chane]

Did you get the info here: ChexSystems from this site or another site?

If you have new stuff that works, definitely post it! Thanks!

[dogtown01]

sorry it took me so long to responed back i been having car trouble cause my crankshaft broke. any way all i did was send chexsystem one letter and it did the trick this is that letter. just send this letter in with a copy of your driver license. my english isnt the best but this was the first letter i sent to them and bang 26 days later removed. now i am free to open new accounts.

Your Name
Your Address



ChexSystems Consumer Relations
7805 Hudson Road
Suite 100
Woodbury, MN 55125



Date

RE: Consumer ID # (your consumer ID # here)

Dear ChexSystems:

As I have not heard back from you in over 30 days regarding my notice of dispute dated (date your letter was sent), I must presume that no proof in fact exists.

You have thirty (30) days from receipt of this notice to respond. Your failure to respond, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you are reporting my name and social security number in error, and that this matter is permanently closed.

Your continued silence is unacceptable. You must either provide the proof or correct the record to remove the invalid entry from my ChexSystems file. You are currently in violation of the Fair Credit Reporting Act.

Failure to respond within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking $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

[Game Plan]

I'm just a bit confused. This looks like a follow-up letter. Did you send a original dispute letter?

[dogtown01]

thats right i sent the follow up letter and skiped letter one.

the reason for this is i wanted them to think they lost my letter and i wanted them to panic,

its a gamble but it worked for me

[Game Plan]

Originally Posted by dogtown01

thats right i sent the follow up letter and skiped letter one.

the reason for this is i wanted them to think they lost my letter and i wanted them to panic,

its a gamble but it worked for me

Glad it worked out for you. May have to try that one myself.

[NyKnicks]

i just learned what chex system was. Never know it was out there....i just order it and hopefully i will be able to do the same.