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Reporting company used your report improperly. Chex Systems , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : It has been brought to my attention that XXXX XXXX XXXX XXXX has listed OVERDRAFTS on my Chex Systems file, dated XX/XX/2023. To my knowledge, I have never had OVERDRAFT with XXXX XXXX XXXX XXXX. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from XXXX XXXX XXXX XXXX including copies of any documentation associated with this OVERDRAFT which bear my signature. In the absence of such documentation, I request that this OVERDRAFT be permanently removed from my Chex Systems report ASAP.