BRH3,
I have gone thru Chex Systems hell and here is how it works.
Chex Systems is the Banking/CU industry gate keeper, and they only report the info given to them by members. They cannot remove anything unless requested by the reporting member. So, you have to go back to the bank and ask them to remove it. This is what I did and it worked.
Good Luck
FICO scores on November 17, 2014 (prior to applying for and being approved my mortgage)
EX=738
EQ=735
TU=754
FICO scores on March 4, 2015 after being approved for mortgage and buying the home, the mortgage isn't yet reporting.
EX- 689 EQ- 739 TU- 739
