Can I request a copy of my file over the Internet?
No. At this time, the methods to request a copy of your free annual file disclosure from Certegy are through the toll-free telephone number, or by mailing your request through the U.S. Mail.
Can I mail or fax my request for a copy of my file?
Although requesting by telephone is faster, you may also mail your written request via U.S. Mail; no fax process Is available at this time. You will need to include a copy of your current drivers license, a copy of a recent utility or tax bill, and a voided check. The address to mail your request is:
Certegy Check Services
P.O. Box 30296
Tampa, Fl. 33630-3296
Do I have to call from a touch-tone phone?
Yes. An interactive voice response (“IVR”) system will ask you to enter certain identification information, such as your drivers license number and checking account number, using the buttons on your touch-tone telephone. Please refer to the telephone instructions shown on the FACT Disclosure Request Instructions page.
Can I request someone else’s file disclosure?
No, you can only request your own file disclosure. Certegy’s file request process includes verification of the identity of the person making the request.
What if you cannot verify my identity when I request a copy of my file by telephone?
If Certegy is not able to verify your identity over the telephone, you will be told that Certegy is unable to proceed with your file disclosure request. If you would still like to request your file disclosure, you will be instructed to mail in a copy of your current drivers license, a copy of a recent utility or tax bill and a voided check.
Once my identity has been verified, how will I receive my file disclosure?
Regardless of whether your identity is verified over the telephone or after copies of your identification have been mailed to Certegy, all file disclosures are sent by mail.
How long will it take for me to get a copy of my file in the mail?
The file disclosure will be mailed to your address we have on file within 15 days after your request has been made and identity has been verified.
How can I find out the status of my file request?
If you complete your request by telephone, when you have completed entering the information necessary to verify your identity, you will be given a tracking number for your file request. You will be able to check on the status of your file request by calling the same toll-free number and entering the tracking number. If you have mailed your request, you will be asked for your identification numbers in order to check on the status of your file request.
What kind of information is in my file?
Certegy maintains information on check and electronic payment transactions submitted for authorization, and on any outstanding unpaid checks.
How does Certegy Check Services get information on me?
Certegy Check Services receives some information, such as drivers license and checking account numbers, when checks and electronic payment transactions are submitted for authorization by its clients. Additionally, information on closed checking accounts and drivers license information is obtained from outside sources. Information on outstanding unpaid checks is provided by Certegy clients and other sources.
What does Certegy Check Services do with this information?
Certegy Check Services uses the information in its databases to make a determination whether to authorize a check or electronic payment transaction. Retailers and other business throughout the United States use Certegy to help prevent fraud and reduce losses from unpaid check and electronic payments.
What if I recently changed my address?
File disclosures will only be mailed by Certegy to the address we have on file for the drivers license number. If your address has recently changed, the automated telephone response system will ask that you send Certegy proof of your new address, such as a copy of a utility or tax bill showing the new address.
How can I find out more about the Fair and Accurate Credit Transactions Act?
Information is available at www.ftc.gov
What is a “nationwide specialty consumer reporting agency"?
The term “nationwide specialty consumer reporting agency” means a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis relating to (1) medical records or payments; (2) residential or tenant history; (3) check writing history; (4) employment history; or (5) insurance claims. (as defined in Section 609(w) Fair Credit Reporting Act.
What if the information in my file disclosure that I receive from Certegy Check Services is inaccurate or incomplete?
Call Certegy Customer Care toll-free at 866.543.6315, or write to:
Certegy Check Services
P.O. Box 30296
Tampa, Fl. 33630-3296
What federal agency has jurisdiction over Certegy Check Services?
Consumer reporting agencies like Certegy are regulated by the Federal Trade Commission.
How do I file a complaint about Certegy Check Services?
To make a complaint directly to Certegy Check Services, you may write to:
Certegy Check Services
P.O.Box 30296
Tampa, Fl.33630-3296
To file a complaint with the Federal Trade Commission, you can go to http://www.ftc.gov/ftc/consumer.htm.