1. Gather the facts and send the initial dispute letter.
2.If the information is not removed, send a procedural request.
3.If the procedural request does not result in removal, dispute with the original creditor.
4.Send the ITS - Intent to Sue Letter
5.File complaints with the bank regulator, the state attorney general - and consider legal remedies.
We have a web site that has a step by step process for disputing with both chexsystems and the reporting bank(s). If you still owe a reporting bank any money.. you can still file a dispute based on other factors.