Chex Systems Dispute Letter
Date
Your Full Name
Social Security Number
ID number listed on ChexSystems Report
Your Address
Your Contact Phone
Name of the financial institution you are disputing
Institution’s Address
Old Account Number
This letter is about the issue with (account number, financial institution) which I dispute and would like your help in clearing. I am disputing both the validity of the alleged debt and the validity of your report.
The Fair Debt Collection Practices Act requires evidence that has my signature and shows I have a contractual obligation to pay. As you are aware, any negative mark on my ChexSystems report for a debt I don’t owe is in violation of the Fair Credit Reporting Act (FCRA). Therefore, please delete the entry in question.
My permission is required before you take any action that could negatively affect my rating with credit reporting agencies.
Full Name
Signature