Dispute

If you dispute the completeness or accuracy of the information in your consumer file, you have the right to submit a dispute directly to the source of the information. However, if you prefer, ChexSystems® will contact the source on your behalf to initiate a reinvestigation.


Reinvestigations are usually completed within 30 days (21 days for residents of Maine).

  • If you provide additional information or documentation relevant to the dispute while the reinvestigation is pending, the time frame may be extended by up to 15 days to give the source sufficient time for review.  
  • Once it is completed, ChexSystems will notify you of the results by mail at the address you provide.

You must be 18 years of age or older to communicate with ChexSystems. ChexSystems may access, store and use your identifying information to the extent permitted by law.

To Submit a Request on Behalf of Someone Other Than Yourself

Click the options below to learn more.

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Submitting a request for a minor

You must be 18 years of age or older to communicate with ChexSystems. To submit a request on behalf of a minor, a parent or legal guardian must complete the Request for Reinvestigation Form and return it to ChexSystems by mail. All of the following documentation must be included:
  • A copy of the minor's birth certificate;
  • A legible copy of the minor's Social Security card;
  • A legible copy of the parent or legal guardian's driver's license or state identification card;
  • Proof of address for the parent or legal guardian (in the form of a pay stub, utility bill or other official document bearing the address to which correspondence is to be sent);
  • If your name does not appear on the birth certificate, a copy of a document confirming legal guardianship is required. The proof of guardianship must be an official court or other legally binding document; and
  • Correspondence must include consumer’s full name, current address, date of birth, Social Security number, information being disputed, and the specific nature of the dispute.

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Submitting a request for someone who is not a minor

To submit a request on behalf of someone who is not a minor, you must complete the Request for Reinvestigation Form and return it to ChexSystems by mail. You must also include the following documentation authorizing ChexSystems to communicate and provide information to you:
  • A notarized Power of Attorney or
  • A notarized copy of specific written instructions signed by the consumer
  • Correspondence must include consumer’s full name, current address, date of birth, Social Security number, information being disputed, and the specific nature of the dispute.

  • Submit Request Online
  • Submit Request by Other Methods

To Submit Your Dispute

* MANDATORY FIELDS

Personal Details

Please provide your state-issued ID number. If providing a military ID number, select “MY” as the state of issuance.

Address Details

Detail out your dispute

If you are disputing multiple items, you will need to enter each dispute separately. You may submit up to 50 disputes per session.

Please identify the type of information you are disputing *
Please identify the source of the disputed information (name of the company that reported the disputed information)

This information can be found in your ChexSystems consumer disclosure report. Examples: Date of Closure, Inquiry Date, Date of Check, etc.

Please describe the nature of your dispute *

Note: there is a 2,000 character limit. If the description of your dispute exceeds this limit, please edit the content to meet this requirement or you may attach a separate document to provide additional dispute details. If you prefer, you may submit your dispute via mail.

Max 2000 Characters

Upload Documents

You may upload up to 5 documents with a combined size totaling no more than 25MB. The acceptable document formats are JPG, BMP, PNG, TIF, TXT, RTF, PDF, DOC, DOCX

Upload Document

Terms and Conditions *

By checking the box below, you confirm that you have read the terms and conditions, that you understand them and that you are in compliance with them. To submit your request using another method, click the tab labeled ‘Submit Request by Other Methods’.

  • You may submit a dispute only for information contained in your own personal ChexSystems consumer disclosure report. By selecting AGREE, you certify that you are the person whose report information is being disputed.
  • You understand that providing information under false pretenses for the purpose of obtaining another person's consumer disclosure report is a violation of federal law punishable by fines and imprisonment.
  • You agree to provide your accurate identifying information.
  • You agree that you will not upload information that violates any laws or third-party rights, including but not limited to intellectual property.
  • You agree to not upload objectionable material.
  • You agree to not upload any material that is not pertinent to your dispute.
  • You understand that the documentation you provide may be shared with the source(s) of the disputed information for reinvestigation purposes.
  • You agree not to attempt to upload any document that contains a virus or could pose a security risk.
  • If ChexSystems has reason to believe the information you uploaded is subject to the restrictions noted above, we will not use or consider the documentation in our processing of your request.
  • If ChexSystems discovers a virus or other issues that could pose a potential security risk, your documents will not be uploaded.

Telephone and Automated Phone System

800.428.9623

The automated phone system is available 24 hours per day. Representatives are available to assist during normal business hours 8:00am - 7:00pm Central Time, Monday through Friday.

Mail

Complete, print and mail the completed Request for Reinvestigation Form to:

Chex Systems, Inc.
Attn: Consumer Relations
PO Box 583399
Minneapolis, MN 55458

 

Important instructions to consider
  • You must be 18 years of age or older to communicate with ChexSystems.
  • Correspondence must include consumer’s full name, current address, date of birth, Social Security number, information being disputed, and the specific nature of the dispute.
  • Once your request has been received, ChexSystems will mail a response to you.
  • You agree to provide accurate identifying information.
  • ChexSystems may access, store and use your identifying information to the extent permitted by law.