Frequently Asked Questions

FAQs

How can I request a consumer information file report disclosure?

Consumers may request a free disclosure of file information from nationwide specialty consumer reporting agencies once during any 12-month period. Your request must contain all of the following information:

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

Mail your request to: CrossCheck, Inc., P.O. Box 6008, Petaluma, CA 94955-6008 Attn: Consumer Inquiry Department.

Alternatively, you may submit your request online at https://consumerinquiry.cross-check.com/RequestForReport/submitrequest, or call CrossCheck toll-free at 1-800-843-0760.

How long will it take to receive my consumer information file report disclosure?

Your consumer information file report disclosure will be sent within 15 days after we receive a complete request.

My check has been declined. How can I request information?

If you would like information regarding a check that has been declined by CrossCheck, you may send us a request for information, which must include the following information:

  • Your Name
  • Your Address
  • Your Telephone number (with area code)
  • Your Driver’s license number and state of issuance
  • Check number of declined check
  • Check date and amount
  • Name of the business you issued your check to

Mail your request to: CrossCheck, Inc., P.O. Box 6008, Petaluma, CA 94955-6008 Attn: Consumer Inquiry Department.

Alternatively, you may submit your request online at https://consumerinquiry.cross-check.com/RequestForReport/submitrequest, or call CrossCheck toll-free at 1-800-843-0760.

Why do I have to provide my telephone number with my request for a file report disclosure?

As a check services company, CrossCheck’s information is stored pursuant to specific identifiers. To enable us to conduct a complete and accurate search while also ensuring you are properly identified, we need your telephone number.

I requested my consumer information file report disclosure, and received a letter requesting more information. What do I need to do?

As a check services company, CrossCheck’s information is stored pursuant to specific identifiers. To enable us to conduct a complete and accurate search while also ensuring you are properly identified, we require specific information, which could be different from information normally required by one of the Nationwide Consumer Reporting Agencies. The response letter will identify the additional information you need to submit in order to complete your request.

What can I do if I am the victim of check fraud or identity theft?

If you are the victim of fraud regarding checks that have been issued to a CrossCheck subscribing merchant using your information, you may submit an Affidavit of Forgery or a police report to CrossCheck. More information is available at https://www.cross-check.com/forgery-identity-theft. You should contact your banking institution to close any affected checking account.

If you are the victim of identity theft, you may file an identity theft report with the FTC. Information is available at https://consumer.ftc.gov/features/identity-theft. Additional information is also available at: www.consumerfinance.gov/learnmore.

How can I submit a complaint to CrossCheck or the CFPB?

Your feedback is very important to us. If you have a comment, concern, or wish to submit a complaint, you may submit it directly to us online at https://www.cross-check.com/consumer-feedback-page, or by mail to CrossCheck, Inc., P.O. Box 6008, Petaluma, CA 94955, Attn: Consumer Inquiry Dept.

You may submit a complaint with the Consumer Financial Protection Bureau by going to https://www.consumerfinance.gov/complaint/.

Notice for California Residents. Pursuant to the California Consumer Privacy Act, CrossCheck, Inc. collects the following categories of personal information, including categories sensitive personal information: Personal identifiers of real name, postal address, email address, SSN, driver’s license or state identification card, passport number; bank account, financial or personal history information; information described in California Customer Records Act; characteristics of protected classifications; commercial information; Internet Protocol or website activity; geolocation data; audio, electronic, and video information; professional or employment-related information; and inferences drawn from other personal information. The purposes for which the categories of personal information, including sensitive personal information, are collected and used for are the following business purposes: Activities regulated by the Fair Credit Reporting Act; as a Service Provider in connection with payment or financial transactions; collections; employment or prospective employment with CrossCheck or a subsidiary; compliance with contractual obligations; and pursuant to legal or regulatory requirements. CrossCheck does not sell or share personal information. The categories of personal information are retained until the business purpose for which they have been collected is completed, or pursuant to contractual or business requirements, or as required by law. 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 www.cross-check.com/privacy-policy or by calling 800-843-0760.