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Bank's Reporting Responsibilities on Closing Accounts
Is a bank required under law to report the bank’s closing of your account to ChexSystems or any credit reporting agency
The answer is No. Reporting to any of the credit reporting agencies is entirely at the discretion of the entity doing the reporting (the furnisher). None of it is “required” by law to be reported. The law (FCRA) only requires that the information reported cannot “knowingly” be inaccurate.