ChexSystems question regarding discrepancy

[Cobweb]

Dh and I both requested our ChexSystems reports. We just received the reports in the mail. Mine is clear with no problems, as expected.

While dh's is clear, as expected, he also received the following information in a cover letter...

"Please be informed that while processing your request, a discrepancy was discovered that associates your Social Security number xxx-xx-xxxx with another individuals's account information. Therefore, your file has been forwarded to the appropriate personnel for handling. We will contact the source of the information to request that they reinvestigate the accuracy of the Social Security number they submitted to us.

If the Social Security number is verified to be accurate, meaning it was provided to a financial institution as a identifier, ChexSystems must receive verification of the number you are using. The verification may be in the form of a letter or other documentation provided by the Social Security Administration, or you may send us an enlarged and legible copy of the front and back of your Social Security card."

WTH? Is this a simple clerical error? Did someone else use dh's social to open an account under a different name? What information is ChexSystems required to disclose to dh? If dh is somehow the victim of identity theft (SS#) - doesn't he have a right to that information so he can file a police report?

We have checked all three CRAs thru MyFico in the last 2 months since we are working on improving our FICOs. There is nothing on dh's report that doesn't belong to him.

Thanks in advance for any comments.

[Anonymous]

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Cobweb wrote:


WTH? Is this a simple clerical error? Did someone else use dh's social to open an account under a different name? What information is ChexSystems required to disclose to dh? If dh is somehow the victim of identity theft (SS#) - doesn't he have a right to that information so he can file a police report?

We have checked all three CRAs thru MyFico in the last 2 months since we are working on improving our FICOs. There is nothing on dh's report that doesn't belong to him.

Thanks in advance for any comments.

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It appears that ChexSystems is investigating now to answer the majority of your questions.

I would give it 30 days and if you don't hear from them, give them a call.

[Cobweb]

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@Anonymous wrote:

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It appears that ChexSystems is investigating now to answer the majority of your questions.

I would give it 30 days and if you don't hear from them, give them a call.

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Hi Sidewinder...I was wondering how many people actually check their ChexSystems reports - how many of those people have rec'd notices like the one my dh did, and what were their outcomes. Also, I thought the letter dh rec'd might be of general interest to others on the board. Yes, I realize that Chexsystems is investigating (as it is stated in the letter). Thanks for your reply.

[Anonymous]

Several here have gotten their reports from ChexSystems. My spouse and I both have.

We never received any letter like that and I don't recall reading that anyone else has.

There is also more places to receive reports from.

Check out this thread -

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=11392&query.id=305...

[Anonymous]

I can not begin to tell you how many people have reported to me that they were given the incorrect reports and had the wrong information on the report. Chexsystems is known NOT to be accurate. This is bad yes but good for those wanting to dispute for removal.