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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).

  • Although not required, supporting documentation may be included with your dispute to assist with the reinvestigation. Documentation may include, but is not limited to:
    • Identity Theft Affidavit
    • Police Report
    • Account Statements
    • Paid or settled in full letters
    • Death certificate
  • 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.

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 a dispute, log in to the Consumer Portal or register for an account using the buttons above.

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.