Common use of Disputes Involving Reports of Account Performance Clause in Contracts

Disputes Involving Reports of Account Performance. If you maintain your account in an unsatisfactory manner, you understand that we may report information about you and any other joint account holders or authorized signers/convenience signers to a consumer reporting agency (including, but not limited to agencies that compile information regarding your deposit account performance with us and at other banks). If you think the information that we have furnished to consumer reporting agencies on your account is not accurate please write to us at: (a) Your name, address, and telephone number; (b) The Account number(s) for the Account(s) you are disputing; (c) A description of the specific information you are disputing and an explanation of the basis for your dispute; and (d) Copies of documents that support your dispute. These could include (but are not limited to): a copy of your consumer report showing the information that you are disputing, your account statements, a court order, or (if applicable) a copy of a police report or fraud or identity theft affidavit. If you fail to provide us with the information listed above we will be unable to investigate your dispute. We will notify you of the results of our investigation within thirty (30) days of receiving your dispute. We may take up to forty-five (45) days to investigate your dispute if, after providing us with your initial notice of dispute, you provide us with additional information that is relevant to our investigation. If our investigation finds that the information you are disputing was inaccurate, we will notify the consumer reporting agency of our determination and provide the consumer reporting agency with the information necessary to correct the inaccuracy. We will have no duty to investigate disputes that are substantially similar to a prior dispute that we have responded to, or that relate to your identifying information (such as your name, date of birth, Social Security number, telephone number or address), inquiries appearing on your consumer report, information from public records (such as judgments, liens, or bankruptcies, unless these matters related to your account(s) with us), information related to fraud or active duty alerts on your report, or information provided to the consumer reporting agency from someone other than us. We will also have no duty to investigate your dispute if we reasonably believe it was submitted or prepared by (or if you submitted it on a form provided by) a credit repair organization. If we determine that we will not investigate your dispute for one of these (or some other) reasons we will notify you of that determination within five (5) Business Days.

Disputes Involving Reports of Account Performance. If you maintain your account in an unsatisfactory manner, you understand that we may report information about you and any other joint account holders or authorized signers/convenience signers to a consumer reporting agency (including, but not limited to agencies that compile information regarding your deposit account performance with us and at other banks). If you think the information that we have furnished to consumer reporting agencies on your account is not accurate please write to us at: (a) Your name, address, and telephone number; (b) The Account number(s) for the Account(s) you are disputing; (c) A description of the specific information you are disputing and an explanation of the basis for your dispute; and (d) Copies of documents that support your dispute. These could include (but are not limited to): a copy of your consumer report showing the information that you are disputing, your account statements, a court order, or (if applicable) a copy of a police report or fraud or identity theft affidavit. If you fail to provide us with the information listed above we will be unable to investigate your dispute. We will notify you of the results of our investigation within thirty (30) days of receiving your dispute. We may take up to forty-forty five (45) days to investigate your dispute if, after providing us with your initial notice of dispute, you provide us with additional information that is relevant to our investigation. If our investigation finds that the information you are disputing was inaccurate, we will notify the consumer reporting agency of our determination and provide the consumer reporting agency with the information necessary to correct the inaccuracy. We will have no duty to investigate disputes that are substantially similar to a prior dispute that we have responded to, or that relate to your identifying information (such as your name, date of birth, Social Security number, telephone number or address), inquiries appearing on your consumer report, information from public records (such as judgments, liens, or bankruptcies, unless these matters related to your account(s) with us), information related to fraud or active duty alerts on your report, or information provided to the consumer reporting agency from someone other than us. We will also have no duty to investigate your dispute if we reasonably believe it was submitted or prepared by (or if you submitted it on a form provided by) a credit repair organization. If we determine that we will not investigate your dispute for one of these (or some other) reasons we will notify you of that determination within five (5) Business Daysbusiness days.