FYI: All correspondence from me has been sent via Certified Mail w/Return Receipt in order to ensure 100% accurate record keeping, something that you will find out ChexSystems, Inc., after reading this usacomplaints.com, has absolutely no concept off.
It never ceases to amaze me how flagrantly credit reporting agencies violate and disregard the Fair Credit Reporting Act.
In requesting my CHEX report on September 23 there was still a negative remark from Washington Mutual Bank F.A.indicating an erroneous overdraft (which by the way, was promised by the bank, in writing on September 22 to be removed and YES, I have the original!). Still, I disputed the negative remark on September 27 WITH a copy of the aforementioned letter from the bank enclosed and allowed for the 30 day period allotted for set disputes to be completed. Well, time ticked away and there was no response.
Come October 13 I requested another copy of my Chex report. What an amazement, the erroneous information had not been removed. Another letter indicating my position on the dispute was sent on October 17. Finally a response was received on October 21 stating that CHEX's previous correspondence (which was never received) on October 4 was to inform me that their re-investigation of my dispute was complete and the information provided by Washington Mutual Bank F.A. Was verified as accurate.
Knowing my consumer rights and allowing for good faith attempts to rectify a situation prior to suing, I attempted on October 27 November 9 and subsequently December 11 to rectify this unlawfully erroneous reporting from Washington Mutual Bank F.A. And criminally negligent mistaken record keeping from ChexSystems, Inc.
It's now May 4 and the events as such arising from this issue, is that my accounts have been shutdown very conveniently by Washington Mutual F.A. With an unreasonable delay on the release of my funds (the Federal Reserve Bank of Chicago is going to love this one) on April 19 all due to the erroneous reporting of my credit from ChexSystems, Inc. Regardless of the false furnishings to Chex from what I now know as a well known illicit bank such as Washington Mutual Bank F.A., the law dictates that the critical onus of accuracy falls on the shoulders of credit reporting agencies and thereafter the furnishers of set information as per the FCRA.
You may ask how my accounts were shutdown with Washington Mutual Bank F.A.? Well, thanks to the numbers age we ALL live in, upon opening a new joint account with my wife (luv ya babe), and myself being the primary account holder, my credit was re-run through CHEXSYTEMS, Inc and at which time a domino effect kicks-in allowing Loss Prevention to consequently shut ALL my accounts down with no point of recourse. Not withstanding the fact that this issue was to be rectified by Washington Mutual Bank F.A. Itself as previously noted in the documented proof I have from their rep indicating a correction of this false reporting to Chex.
Irrespective, ChexSystems, Inc has been provided with this information in all my correspondences with them (and my present May 4 letter of my intention to sue) and following a convenient lack of respect in maintaining a 100% accuracy of a consumer's credit, I will be more than happy to pursue a legal claim (and forget chump change from Small Claims we're looking for an excess of $100K) in damages for:
(1) Defamation
(2) Willful Injury
(3) Negligent Enablement of Fraud
(4) Intractable emotional distress
(5) Violations of the Fair Credit Reporting Act
My patience has worn thin and this is no way for any business entity to operate full well realizing the impact they have on a consumer's financial well being. If the assumption is that I'm down and out, FORGET IT, as Chexsystems, Inc now has both my attorney's and my FULL attention and boy is he greedy!
Lessons to other swindled consumers, use your rights afforded to you such as the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, otherwise faulty corporations of this nature will do everything in their power to ensure you lose them in the future!
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