--- title: Frequently Asked Questions description: A page answering frequently asked questions (FAQs) by consumers and check writers. --- - [** ](http://www.linkedin.com/company/62566) - [** ](http://www.facebook.com/crosscheck) - [** ](http://twitter.com/CrossCheckInc) - [** ](http://www.youtube.com/user/CrossCheckInc) - [Merchant Portal](https://merchant.cross-check.com/portal/login.jsp?) - [![Schedule Free Consultation](https://no-cache.hubspot.com/cta/default/138250/a216f745-f296-4eec-a075-490085cfe3a3.png)](https://cta-redirect.hubspot.com/cta/redirect/138250/a216f745-f296-4eec-a075-490085cfe3a3) [![CrossCheck Logo](https://www.cross-check.com/hs-fs/hubfs/CrossCheck_May2019/logos/CrossCheck.png?width=138&name=CrossCheck.png "CrossCheck Logo")](https://www.cross-check.com/) # Frequently Asked Questions for Consumers How can I request an annual file report disclosure? Consumers may request a free disclosure of file information 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](https://consumerinquiry.cross-check.com/RequestForReport/submitrequest), or call CrossCheck toll-free at [1-800-843-0760](tel: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. How can I request information regarding a payment authorization? If you would like information regarding a payment transaction that was not authorized by CrossCheck, you may send us a request for information, which must include all of the following information: - Your Name - Your Address - Your Telephone number (with area code) - Your Driver’s license number and state of issuance - Payment Transaction number - Payment Transaction date - Payment Transaction amount - Name of the business you issued your payment 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](https://consumerinquiry.cross-check.com/RequestForReport/submitrequest), or call CrossCheck toll-free at [1-800-843-0760](tel:1-800-843-0760). Why do I have to provide my telephone number with my request for a file report disclosure? As a payment 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 payment 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 a Nationwide Consumer Reporting Agency. 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 payment transaction fraud or identity theft? If you are the victim of fraud regarding payments 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](https://www.cross-check.com/forgery-identity-theft). You should contact your banking institution to close any affected accounts. 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](https://consumer.ftc.gov/features/identity-theft). Additional information is also available at: [www.consumerfinance.gov/learnmore](http://www.consumerfinance.gov/learnmore). How can I submit a complaint to CrossCheck or to 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](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/](https://www.consumerfinance.gov/complaint/). #### [CONTACT us](https://www.cross-check.com/contact-us) CrossCheck, Inc 1440 N McDowell Blvd Petaluma, CA 94954 [707-665-2100](tel:7076652100) - [** ](http://www.linkedin.com/company/62566) - [** ](http://www.facebook.com/crosscheck) - [** ](http://twitter.com/CrossCheckInc) - [** ](http://www.youtube.com/user/CrossCheckInc) #### [SITE INFO](https://www.cross-check.com/about-crosscheck) [Terms of Use](https://www.cross-check.com/terms-of-use) [Privacy Policy](https://www.cross-check.com/privacy-policy) [Privacy Notice for Ca Residents](https://www.cross-check.com/california-privacy-notice) [Site Map](https://www.cross-check.com/site-map) [About Us](https://www.cross-check.com/about-crosscheck) [Why CrossCheck](https://www.cross-check.com/why-cross-check) [Testimonials](https://www.cross-check.com/merchant-testimonials) [Press Releases](https://www.cross-check.com/news-and-press-releases/) [Careers](https://www.cross-check.com/careers) © 2026 CrossCheck, Inc. ** ![](https://px.ads.linkedin.com/collect/?pid=1202954&fmt=gif) Please ensure Javascript is enabled for purposes of [website accessibility](https://userway.org)