Product: Checking or savings account

I have been disputing the negative information reported by XXXX XXXX XXXX on my ChexSystems consumer report for over two years. Each time I submit my dispute to ChexSystems, I am advised to contact XXXX XXXX  XXXX directly. 

When I reached out to XXXX XXXX XXXX  XXXX Fraud Department, they suggested that I file a police report and visit a branch for further assistance. Following their instructions, I went to a local XXXX XXXX XXXX branch, where a representative initially appeared willing to provide me with copies of the checks and transaction details associated with the disputed account. However, during our interaction, the representative accused me of activities I did not commit, further compounding my frustration with the situation. 

I then visited the XXXX Police Department to file a report. Officer XXXX informed me that I would need to know the exact location where the checks were deposited to proceed. Through further investigation, I discovered that one check had been deposited in XXXXXXXX XXXX When I approached the XXXX Police Department, they informed me that they could not assist because no money was withdrawn from the account when the check was deposited. They advised me to return to XXXX XXXX  XXXX and request the sequence number of the transaction to determine the exact location of the deposit. 

When I attempted to follow up with XXXX XXXX XXXXXXXX for this critical information, I was met with a lack of cooperation, leaving me unable to resolve this matter or clear my name effectively. 

I am submitting this complaint regarding a negative entry in the report ChexSystems maintains under my Social Security Number. Specifically, my bank informed me of the following entry reported by XXXX XXXX XXXXXXXX : - Allegation : Suspected Fraud Activity - Date of Entry : XX/XX/2020 Upon reviewing my ChexSystems report, I see no documentation to substantiate this claim. I have not engaged in fraudulent activity, nor have I been presented with evidence or documentation supporting this allegation. I am formally requesting that ChexSystems validate this information with XXXX XXXX XXXXXXXX. 

Requested Actions : 1. Validate the entry with XXXX XXXX XXXXXXXX. 
2. Provide copies of all documentation associated with the alleged " Suspected Fraud Activity '' that bears my signature or substantiates the claim. 
3. If no valid documentation exists, immediately delete this negative entry from my file. 

Impact on Me : This inaccurate information in my ChexSystems file has adversely affected my ability to maintain financial stability and has led to difficulties in opening or maintaining bank accounts. 

Resolution Sought : I request that the CFPB ensure ChexSystems conducts a thorough investigation of this matter and holds XXXX XXXXXXXX XXXX accountable for any failure to provide valid documentation. Additionally, I seek the removal of the negative entry if validation can not be achieved Attachments : - Copy of ChexSystems report - Letter asking for a Fair Chance to validate the information. 
Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Certification : I certify that the above information is true and accurate to the best of my knowledge. 

Sincerely, XXXX XXXX