(Wenger versus Trans Union was a court ruling imposed against Trans Union, one of the big 3 Credit Bureaus, involving thousands of dollars in fines because they failed to respond in a timely manner after repeated notifications when Wenger was a victim of identity fraud. The issue being Trans Union’s failure to respond after repeated contacts by Wenger! It cost them thousands of dollars. All Credit Reporting agencies are well aware of Wenger v Trans Union.)   

This second letter (if necessary) is very effective to challenge, correct and/or get items removed from your ChexSystems report, or your regular Credit Report for that matter.  

Even if the information reported is absolutely correct they may not respond in the required time frame, and it may just not be worth the hassle to them. It may just be easier to simply delete the information.

Again… if that bank eventually responds… even long after the 30 days, ChexSystems can place the information right back on the report.

So if you received notice from them that you record has been deleted you want to open as many accounts as you feel you need as soon as possible.

Be sure to make copies of everything for your records:

Second letter to be sent directly to Chexsystems.

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Date

FROM:  Your Name
           Your Address
           City, State Zip Code
           Social Security Number

 

TO:      ChexSystems
           Customer Relations          

SUBJECT: Dispute of Report
               2^nd Request

In a letter dated [List date of first letter], sent certified mail and.....

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