Do you DV ChexSystems?

[Anonymous]

I ordered my ChexSystems report, just for the fun of it, never expecting to actually have a "record." I know I've never bounced a check...
It came today and there is a SunTrust account listed?

This is what is showing:

Source of Information: Suntrust Bank, Richmond, VA

Reported Name: Ivy MAIDEN NAME

Reported Address: Address Not Provided Richmond, VA 23260

Date Reported: 7/29/2005

Reported For: NSF Activity

Original Charge Off Amt: $221.95


Now... I have never lived in Richmond, VA. At the time of this supposed NSF, I was living in Gtmo Bay. I did have a bank acct with Suntrust, but it was in 2000-2001, which is seven years ago.
No way I could have NSF in July of '05 for an account I had closed out years ago, in a town I never lived, while I was overseas. How do I handle this? And, by that time I was married & my name waslegally Ivy MARRIED NAME. They don't even have a physical address on me, which makes sense since I've never lived anywhere in the state of VA.

Do I send them a DV like any other CA?

[atlastontheroad]

In February (at the beginning of this journey, and one of two events that actually launched my efforts) I received a letter from a collection agency referencing an old bank account.  The letter indicated that they were going to post to ChexSystems.

I'd done a bit of research and read that it was best to tread lightly with ChexSystems.  Not having 8 year old records, I immediately wrote a check for the amount on the notice, sent it off CMRRR to the CEO/CFO/COO of the bank with a letter of explanation within a week of receiving the dunning letter. 

 Turned out that the bank had erroneously double posted fees for several months after I'd closed the account and then assigned it to a CA some seven years later.

The response from the bank: We're sorry for our error, for the inconvenience, here is your money back and we have contacted Chex to have any reference removed.

Long story longer, maybe working backwards to the bank would be less problematic?  From everything I read about Chex, they're awfully tough to work with if you're the consumer.

atlast.....sorry for the length

Message Edited by atlastontheroad on 04-18-2008 06:05 PM

[Anonymous]

We had some issues with ChexSystems some years back and they told us we had to deal directly with the banking institution reporting the information to have something removed.  They say they only report what is sent in and won't remove anything without the bank's instruction.  I found them worse to talk to than a collection agency - about as helpful as a hemorrhoid lol.

However, I thought I had read something in the past that stated they were subject to FCRA rules so maybe a more senior member of the board would be more knowledgeable about that?

Wish I could help more - good luck

[Anonymous]

You only DV a CA.  Chex is not a CA, they are a CRA.

As a CRA, they are subject to the FCRA, so you can dispute the information in your Chex report.  The dispute process is the same for them as it is for the Big Three.

[Anonymous]

On the FAQ included w/ the report, it does say they are a consumer-reporting agency governed by the FCRA.

In the very very very off-chance that this is valid, it could only be from 2001 at the very latest. Their consumer statement states they only report info for five years, but doesn't say if this from the date of the supposed bounced check or NSF, or from the date it was reported. If it's from the date of the alleged booboo, then this could not even be on my report right now... however, I still default to never having lived in VA, and wondering why a bank would wait four-five years to report a NSF of a whopping $221???

We'll see what SUnTrust says. Have to call on Monday, the dep't I need to speak with is closed now.

[atlastontheroad]

Ivy,

Have you pulled your Chexsystem report?  Just like the holy trinity, they give you a freebie once a year.

I filed for mine last Wednesday (the 9th) and received the report on the 17th.

I didn't save the URL to my favorites (no shock) but on the report I got it is listed as www.consumerdebit.com

atlast....

[Anonymous]

I did order it, that's how I found this random SunTrust entry...

[atlastontheroad]

Stupid me for not rereading from the top.  My apologies.

atlast

[Anonymous]

Personally, I'd call the bank and talk to them about it.