Consumer complaint received 2020-01-07
Company: CrossCheck, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2019, I submitted a personal check to my XXXX dealer to pay for vehicle repairs as I normally do. The cashier submitted my information to CrossCheck, Inc. to verify my check was valid. The response from CrossCheck, IncXXXX indicated the check number had already been used and the check I presented was not valid. ** I immediately contacted my bank to determine if there were any problems with my checking account or checks. The bank responded by telling me the check number had not been used, there were sufficient funds to cover the personal check, and there were no restrictions or limitations on my accounts. ** The cashier submitted my information to CrossCheck, Inc. again after I verified with my bank the check was valid. The cashier and I verified the information submitted to CrossCheck, Inc. contained no errors. Again, the CrossCheck, Inc. response indicated the check was not valid and declined the check. ** I called the CrossCheck, Inc. phone number for consumers/checkwriters, ( XXXX ) XXXX, to see why my personal check was declined. The number is simply a recorded message. The checkwriter can leave a phone message with their information but CrossCheck, Inc. takes up to15 days to respond. I then contacted Customer Service, ( XXXX ) XXXX ; however they will not talk to checkwriters. There is no representative a checkwriter can speak to determine why a check was declined or correct false information in a timely manner. There is no other timely method to contact them and determine the problem or corrective action. CrossCheck, Inc. is not accountable to consumer/checkwriters. See attachment 1 for CrossCheck, Inc. contact information. ** As a result of the declined check, I was unable to pay for the vehicle repairs with my personal check and retrieve my vehicle. The consequences of frivolously declining a check can be significant. I am fortunate I was in my home town and not traveling where I may not have had any resources. ** I followed up this event by requesting an annual credit report from CrossCheck , Inc . The CrossCheck, Inc. report stated that no negative data regarding me or my check writing history was found and that there was no negative data associated with me in Cross-checks data base. I can confidently conclude the information provided by CrossCheck, Inc. to my XXXX dealer regarding the validity of my personal check was false and misleading. See attachment 2 for a copy of the credit report. ** A review of the Consumer Financial Protection Bureau, Consumer Complaint Database ( www.consumerfinance.gov/complaint ) shows many complaints against CrossCheck , Inc . I have attached the consumer narrative of two complaints that are similar to mine. See attachment 3. Many of the complaints do not have a consumer complaint narrative that the public may view so I can not determine if there are more complaints similar to mine. I would guess there are many more complaints similar to mine that could be viewed by your office. XXXX The XXXX XXXX XXXX database shows a number of consumer/checkwriter complaints against CrossCheck, Inc., also. ** Conclusion : CrossCheck, Inc. provided false and misleading information to my XXXX dealer that indicated my personal check was not valid. My personal check was not accepted by my XXXX dealer as a result. 
My personal check was valid based on my contact with my bank, my personal knowledge, and the CrossCheck, Inc. credit report. I have an excellent record of paying debts on time with valid checks. 
CrossCheck, Inc. does not have a timely process for correcting false information on checkwriters. They provide little accountability to consumers/checkwriters. 
CrossCheck, Inc. has re-occurring problems with issuance of false and misleading information against consumer/checkwriters based on a review of the Consumer Financial Protection Database and the XXXX XXXX XXXX

Company response to consumer: Closed with explanation