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Where to mail a Certegy declined-check dispute

To dispute an error on your Certegy file by mail, send your letter to Certegy Payment Solutions, LLC, Attn: CFDR Request, P.O. Box 908, Grand Junction, CO 81502. Certegy is a specialty consumer reporting agency that retailers query at the register before accepting a personal check — a wrong entry (an old bounced check, a fraud flag, or thin check-writing history) can get a valid check declined at checkout. It is separate from ChexSystems, which banks check before opening a new account, and separate from Equifax, Experian, and TransUnion.

Certegy — mail-in disputes

Certegy Payment Solutions, LLC
Attn: CFDR Request
P.O. Box 908
Grand Junction, CO 81502

Disputing inaccurate information on your Certegy check-verification file by mail.

Verified September 2026consumerfinance.gov

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Your name
Your return address

Certegy Payment Solutions, LLCAttn: CFDR RequestP.O. Box 908Grand Junction, CO 81502

Your letter, printed and mailed for you.

Key facts

  • Mailed disputes to Certegy go to Certegy Payment Solutions, LLC, Attn: CFDR Request, P.O. Box 908, Grand Junction, CO 81502.
  • Certegy decides whether a retailer accepts your personal check at checkout — it is a check-verification service, not a bank-account or credit report.
  • Certegy is separate from ChexSystems: ChexSystems is what a bank checks before opening a new checking account; Certegy is what a retailer checks before accepting a check at the register.
  • The FCRA requires the company to investigate and respond, generally within 30 days of receiving your dispute.
  • You are entitled to a free Certegy consumer disclosure report once every 12 months under the FCRA.

How to send your letter

  1. 1

    Request your Certegy consumer file first

    Request your free report so you can see exactly what's on file and cite the specific entry you are disputing.

  2. 2

    Write a clear dispute letter

    State your full name and current address, identify the disputed entry (merchant, date, and amount if known), explain why it is wrong, and ask Certegy to correct or remove it.

  3. 3

    Attach copies of your evidence

    Include copies of anything that supports your dispute — a bank statement showing sufficient funds, a receipt, or proof a prior check cleared. Keep your originals.

  4. 4

    Mail it to Certegy

    Address it to Certegy Payment Solutions, LLC, Attn: CFDR Request, P.O. Box 908, Grand Junction, CO 81502. A dated proof of mailing starts the clock on the 30-day investigation window.

  5. 5

    Send it without a printer

    Write your dispute in PostPal, attach your evidence as PDFs or photos, and we print, envelope, and mail it via USPS for $5 — with a dated confirmation email as your proof of mailing.

Common questions

What is the mailing address to dispute a Certegy record?

Certegy Payment Solutions, LLC, Attn: CFDR Request, P.O. Box 908, Grand Junction, CO 81502. Send a written dispute with copies of any supporting documents; Certegy must investigate, generally within 30 days.

Why was my check declined at checkout?

Retailers use services like Certegy to decide whether to accept a personal check in real time. A decline can stem from an old bounced check, a fraud flag, limited check-writing history, or an outright error in your file — requesting your free Certegy report is the first step to seeing why.

Is Certegy the same as ChexSystems?

No. ChexSystems is what banks check before approving a new checking- or savings-account application. Certegy is what retailers check in real time before accepting a personal check at the register. They're separate agencies with separate files.

Should I also check TeleCheck?

Certegy and TeleCheck are the two major check-verification services, and different retailers use different ones. If checks keep getting declined at different stores, it's worth requesting your file from both.

Sources

Addresses verified September 2026 against official sources. Always confirm on the official site before time-sensitive filings.

See all credit & consumer reporting agency addresses →

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