Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I reviewed my ChexSystems Consumer Report and identified areas for dispute. I was very upset upon discovering these fraudulent accounts, unauthorized transactions and inaccurate information; thus, I demand that it be resolved in a fair and equitable manner that it be investigated and, if necessary, be corrected or removed. Failure to comply with Federal regulations by credit reporting agencies are investigated by the ************************ (see 15 *** 41, et ***.). I am maintaining a careful record of my communications with you for the purpose of filing a verified complaint to the state of ***************************'s office, should you continue in your non-compliance. I further remind you that, as in Wenger v. *****************, No. ******* (*******. Nov. 14, 1995), you may be liable for your willful non-compliance.

  Business Response

  Date: 07/09/2025

  Chex Systems, **** (ChexSystems) has reviewed the complaint filed by ******* *****. Our records indicate that ChexSystems has received a dispute from the consumer through a **** complaint, which states that information contained in ChexSystems files is a result of identity theft.ChexSystems also received a copy of an FTC Identity Theft Report document. ChexSystems has initiated a review of the consumer file relative to the **** complaint and will send correspondence to the consumer when the review is complete. If a reinvestigation is required, under normal circumstances, it will be completed within approximately 30 days (21 days for residents of *****). If additional relevant information and/or documentation is provided by the consumer during the course of a reinvestigation, the timeframe may be extended up to 15 days to allow the source sufficient time for review.

• Initial Complaint

  Date:06/03/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They are ruining my credit. In 2019 I called and wrote to find out why and Chex Systems never told me. This is FRAUD. I called 2 hours today. Ive written. They do not speak English. This is hurting my credit..

  Business Response

  Date: 06/10/2025

  Chex Systems, **** (ChexSystems) has reviewed the complaint filed by **** *****.
  ChexSystems is a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act (FCRA). ChexSystems provides services to financial institutions and other businesses that have a permissible purpose under the ****. ChexSystems services primarily assist its clients in assessing the risk of opening new accounts. When providing this service, ChexSystems abides by the requirements of the **** and any applicable state statutes.ChexSystems neither approves nor declines accounts for its clients. Account opening decisions are determined by an institution and its individual policies.
  Our records indicate that the consumer contacted ChexSystems on 06/03/2025 indicating they were declined opening an account. The ********************** representative informed that account opening decisions are determined by an institution and their individual policies and offered a copy of their consumer disclosure report. The consumer indicated she had requested a copy of their report and never received it and the ChexSystems representative explained to the consumer that this was the first contact at ChexSystems. A copy of **** Smiths ChexSystems consumer disclosure report was sent to the consumer.
  If **** ***** disputes the accuracy or completeness of any information contained in their ChexSystems consumer file, a dispute may be submitted through the secure consumer portal at ******************************,by mail to Chex Systems, ****, Attn: Consumer Relations, ***********************************, or by calling ************ and selecting disputes or the caller may select other options to be transferred to a representative.The consumer may also request to speak to a US representative. **** ***** will need to identify the information being disputed and provide the nature of their dispute.
  

• Initial Complaint

  Date:06/03/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This complaint is being filed against Chex Systems Inc. for their reckless, negligent, and damaging reporting of completely false and unverified information that is actively destroying my ability to access essential banking services. Chex Systems is knowingly reporting two fraudulent entries dated 10/23/2024 and 11/14/2024, neither of which are supported by any valid contract, signed agreement, or legal documentation tied to me in any way. I have never opened, authorized, or agreed to any account related to these dates, and Chex Systems has failed to provide even the most basic verification or proof. Instead, they continue to recklessly publish these false records, causing real financial harm, embarrassment, and obstruction to both my personal and business financial operations. Ive demanded multiple times that they validate or remove these entries, and theyve either ignored those requests or replied with useless, generic responses. This isnt a misunderstandingthis is defamation and negligence at the highest level. I am making it absolutely clear that my legal team is preparing to sue Chex Systems Inc. for over $250,000 in punitive damages for the severe harm their reporting has caused. This will include claims for defamation, negligent misreporting, financial interference, and emotional distress caused by their failure to correct false data. We are also filing formal complaints with the ***** ***, and multiple state regulatory agencies.

  Business Response

  Date: 06/10/2025

  Chex Systems, **** (ChexSystems) has reviewed the complaint filed by ******* ******. According to our records we have not received a dispute directly from the consumer as referenced in the complaint.
  
  ChexSystems is a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act (FCRA). ChexSystems provides services to financial institutions and other businesses that have a permissible purpose under the ****. ChexSystems services primarily assist its clients in assessing the risk of opening new accounts. When providing this service,ChexSystems abides by the requirements of the **** and any applicable state statutes. ChexSystems neither approves nor declines accounts for its clients.Account opening decisions are determined by an institution and its individual policies.
  
  ChexSystems clients, which consist mainly of financial institutions, regularly contribute information on closed checking and savings accounts, referred to as Reported Information. The **** does not require furnishers to obtain consumer consent to furnish reported information to ChexSystems. Reported information pertains to accounts reported for mishandling, closed for cause, and/or suspected fraud activity. ChexSystemscurrent practice is to retain reported information on file for a period of five years unless the source of the information requests its removal or ChexSystems becomes obligated to remove it under applicable law.
  
  ChexSystems will initiate a review of the consumer file relative to the complaint and will send correspondence to the consumer when the review is complete. If a reinvestigation is required, under normal circumstances, it will be completed within approximately 30 days (21 days for residents of *****). If additional relevant information and/or documentation is provided by the consumer during the course of a reinvestigation, the timeframe may be extended up to 15 days to allow the source sufficient time for review.

  Customer Answer

  Date: 06/10/2025

   I am rejecting this response because:
  
  ChexSystems attempt to deflect responsibility by falsely claiming I did not first reach out is both factually inaccurate and legally irrelevant. Under the Fair Credit Reporting Act (FCRA), 15 U.S. Code ?1681i(a)(1)(A), once a consumer disputes any item of information, the consumer reporting agency must conduct a reasonable reinvestigation within 30 days. I have made multiple demandsboth directly and through consumer protection channelsfor ChexSystems to validate or remove the blatantly false entries dated 10/23/2024 and 11/14/2024, and you have failed to provide a shred of legally sufficient verification. Under ?1681e(b), you are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information you report. Your continued publication of false, unverified data without supporting contracts or documentation is a direct violation of this federal obligation. By refusing to remove these unverifiable entries and obstructing my access to vital banking services, ChexSystems is now in willful noncompliance under ?1681n, making you fully liable for actual, statutory, and punitive damages, attorneys fees, and costs. The Supreme Court has held in Safeco Ins. *** of America *. ****, 551 U.S. 47 (2007) that failure to correct inaccuracies after being notified qualifies as willful misconduct. This is more than negligenceits defamation, misreporting, and interference with my finances. Your claim that unverifiable data can remain for five years is a gross misreading of the lawyou are obligated to delete false data. My legal team is preparing a $250,000+ lawsuit citing ?1681n, 1681o, and state law. This complaint will not be withdrawn. Additional action is being taken with the ***** FTC, and state regulators.
  
  

• Initial Complaint

  Date:05/29/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  For the past 12 months, *** tried nonstop to create an online account with **********************, but keep hitting a total brick wall. Ive called support countless times, and get nowhere no clear answers, no solution. Im stuck in a loop where **** misinform me, transfer me, or send me to LexisNexis. LexisNexis says the problem is on ChexSystems end and sends me back. This back-and-forth has dragged on a year with zero *********** make things worse, many ChexSystems agents I spoke to were unhelpful, clueless, and at times rude. When I reached supervisors (twice in a year), they said, Theres nothing we can do. So Im locked out with no account and no access to my info because ChexSystems cant or wont fix the glitch blocking me.This isnt just inconvenient its unacceptable for a company handling sensitive data and affecting financial lives. Im far from alone. Hundreds online have the same problem. ChexSystems knows but hasnt seriously tried to fix it.I demand ChexSystems fix the broken system stopping people like me from setting up accounts. They owe a clear explanation and a knowledgeable contact who can solve this without passing us around. After a year, we deserve immediate action and a path forward.Consumers shouldnt have to fight this hard to access their info its their right, backed by law. I expect ChexSystems to fix their system ASAP and confirm full access to my data through a working portal. If not fixed quickly, I want a formal apology and assurance theyll improve to prevent this nightmare for others.

  Business Response

  Date: 06/05/2025

  Chex Systems Inc. (ChexSystems) has reviewed the complaint filed by ****** *******.
  Mr. ******** complaint referenced an error received when attempting to create a secure consumer portal account through the ************************** website. Our records indicate that Mr. ******* attempted to create a secure consumer portal account through the ************************** website and the security quiz could not be generated as the consumer could not be located based on the information they entered or there is not enough information about the consumer to generate a quiz.  When this occurs, a message will display informing the consumer to contact ChexSystems using another method. ChexSystems receives security quiz information from a third-party vender that provides authentication services which includes **************** If Mr. ******* has placed a security freeze or opted out with LexisNexis this could impact the ability to verify the consumers identity to create a secure consumer portal account. At this time,there is not an alternative method to verify Mr. ******** identity however,the consumer may submit requests to ChexSystems by phone at ************* or by mail at Chex Systems, ***** Attn: Consumer Relations, P.O. *********************************. If the consumer would like to check or update their public record information, they may call **************.

  Customer Answer

  Date: 06/05/2025

   I am rejecting this response because: ChexSystems response to my complaint is unacceptable and frankly insulting. After a year of trying to gain access to my consumer portal, being bounced back and forth between ChexSystems and LexisNexis, and receiving nothing but canned answers, I expected a real solution. Instead, I got a weak excuse that shifts blame and completely ignores the core issue: your system doesn't work  and you know it.

  Your explanation that a quiz couldnt be generated due to not enough information is a tired deflection. Ive already confirmed with LexisNexis that I have no security freeze or opt-out in place that would prevent verification. Ive gone through their process multiple times. Theyve told me point blank: this is on ChexSystems. So stop pointing fingers at them and pretending like your hands are tied. You run the system. You own the process. The responsibility is on you to make it work.
  Whats worse is that you acknowledge there's no alternative method to verify consumers online. Thats not just bad business its a violation of consumer rights. I shouldnt have to send mail or make phone calls for a year to get access to information Im legally entitled to. This is 2025. Your refusal to fix a known, ongoing issue is negligent, and it has very real consequences for people who rely on ChexSystems to access basic financial services. Youre locking consumers out of their own data with no clear recourse, and Im not the only one. There are hundreds of others in the same boat, and your refusal to act makes it look like you simply dont care.

  Im demanding that ChexSystems stop hiding behind a broken process and take immediate responsibility for this failure. I want access to create my account, a clear explanation of what went wrong, and proof that you're working on a real fix  not just spinning your wheels while consumers get stonewalled. Your refusal to fix this is fully exposed. Youve had over a year. Youre out of excuses. Fix it.
  

  Business Response

  Date: 06/12/2025

  Chex Systems Inc. (ChexSystems) has reviewed the complaint rejection filed by ****** *******. Our records indicate that Mr. ******* attempted to create a secure consumer portal account through the ************************** website and the security quiz could not be generated as the consumer could not be located based on the information they entered or there is not enough information about the consumer to generate a quiz. When this occurs,a message will display informing the consumer to contact ChexSystems using another method. ChexSystems receives security quiz information from a third-party vender that provides authentication services. At this time, there is not an alternative method to verify Mr. ******** identity however, the consumer may submit requests to ChexSystems by phone at ************* or by mail at Chex Systems, ***** Attn: Consumer Relations, P.O. *********************************. ChexSystems can only suggest that the consumer contact ************** to check or update their public record information.

• Initial Complaint

  Date:01/16/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Progressive insurance is terrible all they do is take your money and when some Thing happens and you need them they treat you like a suspect as opposed to a client . Do not do business with them

  Business Response

  Date: 01/24/2025

  Chex Systems, **** (ChexSystems) has reviewed the complaint filed by ***** ********. The content of the complaint references ********************* and does not appear to be relative to ChexSystems. Based on this, we believe that the complaint should be forwarded to *********************.

• Initial Complaint

  Date:01/16/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This is the most crooked company ever they post fraudulent items repeatedly and ruin peoples lives . They need to do the right thing and research before they post incorrect items. Theyre terrible .

  Business Response

  Date: 01/24/2025

  Chex Systems, **** (ChexSystems) has reviewed the complaint filed by ***** ********. ChexSystems understands that ***** ******** has filed a lawsuit, and our legal department is looking into it.

• Initial Complaint

  Date:01/16/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  PLEASE DELETE the following inaccurate info. There should only be one name attached to my CHEXSYSTEMS FILE. I should not have multiple files. The only name that should appear is APEX LAW. There should only be 1 address which is ****************************************. There should only be 1 phone number which is ************. There should only be one SSN + DOB ********** SSN ********. There should only be 1 email address which is ********************* There should be a promotion block or a permanant out opt on the file. I need a copy of my chexsystems. I an disabled and require additional accomdations.

  Business Response

  Date: 01/24/2025

  Chex Systems, **** (ChexSystems) has reviewed the complaint filed by ********.
  
  Based on the content of the complaint, ChexSystems will send Mr. *** a current copy of his consumer disclosure report. Should Mr. *** wish to obtain another consumer disclosure report in the future, a request may be submitted through the secure consumer portal at ******************************, by voice messaging at *************, or by mail to Chex Systems, ****, Attn: Consumer Relations, **********************************.
  
  Mr. ***s complaint also includes a request to remove all personal information other than his current personal information from ChexSystems files. If Mr. *** believes that personal information contained in ChexSystems files is inaccurate, he may submit a dispute directly to ChexSystems. A dispute may be submitted through the secure consumer portal at ******************************, by mail to Chex Systems, ****, Attn: Consumer Relations,************************************, or by calling ************ and selecting disputes or the caller may select other options to be transferred to a representative. He will need to identify the personal information being disputed and provide the specific nature of the dispute.
  
  Mr. ***s complaint also included a request to opt out. To be placed on the ChexSystems Opt-Out List, Mr. *** may call our Opt-Out Request Line at 877.OPTOUT5 *************), and be prepared to provide the name, Social Security number, address, and telephone number. All consumers have the right to be excluded from receiving firm (preapproved or prescreened) offers of credit or insurance. Each company that allows its data to be used for such offers is required to have an opt-out list. The opt-out list is compiled of consumers who do not want their personal information shared with businesses that promote such offers.
  

  Customer Answer

  Date: 01/24/2025

   I am rejecting this response because:
  
  Under the *** I require additional accomodations via a call back I don't have Internet access and require someone to take the dispute via the phone at ************. The number they provide unable to reach anyone 

  Business Response

  Date: 01/31/2025

  Chex Systems, **** (ChexSystems) has reviewed the complaint rejection filed by ********. The consumer may contact ChexSystems by mail to Chex Systems, ****, Attn: Consumer Relations, ************************************ or by calling ************ and when prompted, say other options to be transferred to a ChexSystems representative. 

  Customer Answer

  Date: 02/03/2025

   I am rejecting this response because:THEY HAVE WILLFULLY REFUSED to address my concerns by having someone call me. Due 2 disability I am unable to reach them any other way

   My number is 503_********.
  
  

  
  

• Initial Complaint

  Date:01/09/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have discovered over 30 inquiries on my Chex systems report not authorized by me I have contacted company via telephone and I was unable to obtain a resolution. I have mailed an frc report and dispute letter via **** mail

  Business Response

  Date: 01/21/2025

  Chex Systems, **** (ChexSystems) has reviewed the complaint filed by ***** *******.
  Our records indicate that Mr. ******* contacted ChexSystems by phone on January 07, 2025, indicating he wanted to dispute inquiries listed in his consumer file at ChexSystems. The ChexSystems representative provided dispute options and Mr. ******* advised he would submit the dispute via mail.ChexSystems has not received any additional contact from the consumer regarding the dispute.
  If Mr. ******* disputes the accuracy or completeness of any information contained in their ChexSystems consumer file, a dispute may be submitted by mail to Chex Systems, ****, Attn: Consumer Relations, ************************************, or by calling ************ and selecting disputes or the caller may select other options to be transferred to a representative. Mr. ******* will need to identify the information being disputed and provide the specific nature of the dispute.

  Customer Answer

  Date: 01/22/2025

   I am rejecting this response because:
  
  Please see **** tracking number

  9589071052701973689657

• Initial Complaint

  Date:12/13/2024

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I need a free copy of my ChexSystems Report ASAP.The automated systems is horrible. It is frustratign that I am not able to get a live representatvie to address my concerns. This is not good customer service.Also I am not able to get access to the online portal because it never sends the one-time pin to the email that I have registered with the portal which is ******************************* 02/25/85 SSN: ********* Address: ********************************************Please send me a copy of the report ASAP as I need to verify the accuracy of the report and dispute anything that is incorrect. I look forward to hearing from you. Thanks in advance.

  Business Response

  Date: 12/20/2024

  Chex Systems, **** (**********************) has reviewed the complaint filed by **** ******. We sincerely apologize for the inconvenience Mr. ****** experienced when attempting to use the automated phone system to contact **********************.  The consumer may call ************ and when prompted, say other options to be transferred to a ********************** representative.
  Our records indicate that Mr. ****** submitted a request for a consumer disclosure report though our IVR system on 12/13/2024. A copy of Mr.******* ********************** consumer disclosure report was sent to him on the same date.
  Based on the content of this complaint, ********************** has sent Mr. ****** another copy of his consumer disclosure report. Should Mr. ****** wish to obtain another consumer disclosure report in the future, a request may be submitted through the secure consumer portal at ******************************, by voice messaging at ************, or by mail to Chex Systems, ****, Attn:Consumer Relations, **********************************.  
  If Mr. ****** disputes the accuracy or completeness of any information contained in their ********************** consumer file, a dispute may be submitted through the secure consumer portal at ******************************, by mail to Chex Systems, ****, Attn: Consumer Relations, PO Box ******, *********************,or by calling ************ and selecting disputes or the caller may select other options to be transferred to a representative.
  ********************** has reviewed our records and confirmed that Mr. ****** has not created a secure consumer portal account on **************************. To create a secure consumer portal account, Mr. ****** may visit the ************************** website, select the Register option and follow the instructions as prompted. If Mr. ****** is having issues creating a ********************** Consumer Portal account, he may contact us at ************ to reach a ********************** representative.   

  Customer Answer

  Date: 12/20/2024

   Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

• Initial Complaint

  Date:11/09/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  It seems that a fraudulent checking account with *************** was opened in my name in **. I requested that they remove it from my file. They declined stating that the information is correct. The information is NOT CORRECT. They have a responsibility to report our accurate information. It very maddening to me that this company that I have never heard of is contributing to the wrong caused by an identify theft. They are forcing me to spend more time trying to correct this. *** ******

  Business Response

  Date: 11/19/2024

  Chex Systems, **** (ChexSystems) has reviewed the complaint filed by ******* ******.
  Our records indicate that ChexSystems has previously received a dispute directly from the consumer that was of the same nature as the complaint.  As is our standard practice, ChexSystems placed the reported information in dispute and sent a letter to notify the consumer of our intent to initiate a reinvestigation.ChexSystems notified *************** of the consumers dispute and requested that they reinvestigate the accuracy and completeness of the information submitted.
  *************** requested a change be made to the disputed information to reflect the closure status as no monetary loss and the date of closure and closure status date as 01/09/2023 and with those changes, verified the disputed information to be accurate and complete. As a result, it will remain on file at ChexSystems.
  ChexSystems sent a letter to notify the consumer of the results of the reinvestigation and to provide an updated consumer disclosure report. The letter also explains that, in accordance with the ****, the consumer may provide a valid identity theft report signed by a law enforcement officer or police report filed with a law enforcement agency that clearly supports the claim. Once ChexSystems receives the required supporting documentation, we will review the situation further and provide the consumer with notification of any action taken.