Consumers and Check Writers



Annual File Disclosure: Consumers may request a free disclosure of file information from nationwide specialty consumer reporting agencies once during any 12-month period.

Because CrossCheck’s information is stored pursuant to specific identifiers, and to enable us to conduct a complete and accurate search while also ensuring you are properly identified, please send us a written request containing all of the following:

  • Name
  • Address
  • Telephone number (with area code)
  • Driver’s license number and state of issuance

Declined Check: If you are requesting a file disclosure in reference to a declined check, in addition to the information listed above, your request must also include the following additional information:

  • Check number
  • Check date and amount
  • Name of the business you issued your check to

Mail your file disclosure request to:

CrossCheck, Inc.
Attn: Consumer Inquiry Department
PO Box 6008
Petaluma, CA 94955-6008

Alternatively, you may submit your request online through the following link: (; or by calling 1-800-843-0760 and following the instructions.  

Your report will be sent within 15 days after we receive your completed request.

To ensure consumer privacy, CrossCheck will disclose information only to the consumer to whom the information pertains unless the consumer provides written authorization or a Power of Attorney, signed by the consumer whose information is being requested, authorizing us to disclose information to a third party.

If you find that any information in your file disclosure is inaccurate or incomplete, you have the right to dispute it with CrossCheck.

Notice for California residents. Pursuant to the California Consumer Privacy Act, CrossCheck collects the following categories of personal information: Personal identifiers such as name, address, email address, SSN, state issued identification numbers; bank account, financial or personal history information; information described in California Customer Records Act; characteristics of protected classifications; geolocation data; Internet or website activity; audio, electronic, and video recordings; professional or employment-related information; and inferences drawn from all of the above.  These categories of personal information are used for the business purposes of activities regulated by the Fair Credit Reporting Act, for regulatory compliance, as a Service Provider in connection with payment or financial transactions, for collection, and to comply with contractual or legal requirements under state and federal laws.  We do not sell your personal information.  CrossCheck’s Privacy Policy and information on how a consumer with a disability may access this notice in an alternate format may be found at https://www-cross-check-com/privacy-policy or by calling 800-843-0760.