If you were unjustly placed in the Chex System after your checks were stolen how do you get a checking account again?

First make sure that the major credit reporting agencies are notified that these checks were stolen. Secondly, you will need a copy of the police report and all documentation from the CRAs stating that this was fraudulent activity. Third, contact the reporting bank and present them with all of this information. They (if they are a larger institution) will forward your information to the loss prevention team to have them verify with the police report and the reports with the CRAs are indeed true documents, and they will then write a letter on your behalf to have you removed. It's a lengthy process, but it can be done. Answer Handling identity theft with a bank account is a little different than just dealing with identity theft. The FTC outlines how to deal with these situations. In general, if an identity thief steals your checks or counterfeits checks from your existing bank account, stop payment, close the account, and ask your bank to notify Chexsystems or the check verification service with which it does business.

Dispute any bad checks passed in your name with merchants so they don't start any collections actions against you. That way, retailers can be notified not to accept these checks.

The Fair Credit Reporting Act(FCRA) gives you specific rights when you are, or believe that you are the victim of identity theft.

You have the right to ask that nationwide consumer reporting agencies place "fraud alerts" in your file to let potential creditors and others know that you may be a victim of identity theft. A fraud alert can make it more difficult for someone to get credit in your name because it tells creditors to follow certain procedures to protect you. It also may delay your ability to obtain credit. You may place a fraud alert in your file by calling just one of the three nationwide consumer reporting agencies. As soon as that agency processes your fraud alert, it will notify the other two, which then also must place fraud alerts in your file.

Equifax: 1-800-525-6285

Experian: 1-888-397-3742

TransUnion: 1-800-680-7289

In addition to the fraud alert with the 3 CRAs above you can put a fraud alert on your chexsystems report or any CRA. For Chexsystems and Scan, they have a special affidavit form you can fill out online.

https://www.consumerdebit.com/consumerinfo/us/en/consumerreports/index.htm

You have a right to place a "security alert" in your Chexsystems or Scan report, which will warn anyone who receives information from your report that your identity may have been used without your consent.

Recipients of your consumer report are advised, but not required, to verify your identity prior to entering a business relationship.

They will require that you provide a notarized affidavit in order for your alert to remain on file for five years. If they do not receive the notarized affidavit, your alert will remain on file for ninety days. You can print the notarized form online as well and then have it signed by a notary. -you can also file disputes with chexsystems and the reporting bank To dispute write to:

Mail: Chex Systems, Inc.

7805 Hudson Road, Suite 100

Woodbury, MN 55125 Phone: By phone at 800-428-9623 or fax at 602-659-2197 If the reinvestigation does not resolve your dispute, you are entitled to request a brief statement be added to your consumer file outlining the nature of your dispute.