I went to get myself a Checking account and was told by the bank that ChexSystems had a fraud alert on my social security #, I immediately requested my report from Chex Systems. Exactly a week later I receive a report that is scrubbed of ANY identifying reported information. None of the sections in the report held anything besides the inquiries section. The cover letter however put together some excuse stating that " a discrepancy was discovered that associates the Social Security # you have provided to us with another individual 's account information. Therefore you file has been forwarded to the appropriate personnel for handling. We will contact the source of the information to request that they investigate the accuracy of the SS # ''. This of course removes my right to dispute the reported information because my report was scrubbed removing ALL reported information that had them flagging me as a Fraud. I do n't even get the ability to know who the reporting institution was to check with them. To me it seems ChexSystems now can have their " investigation '' take as long as they need and does n't allow me the right to dispute since their is nothing on the report to dispute. Seems to me this agency is NOT adhering to the FCRA, not to mention the emotional distress this caused, the loss of the {$200.00} incentive from opening the account and the time that was wasted I took to open the accounts.