TeleCheck is a consumer reporting agency that keeps a record of bad checks and other banking and checking account problems. You can't prevent banks from reporting about you to TeleCheck, but you have a legal right to see what they're saying and correct any errors.
You can request your free TeleCheck report once a year, or anytime you've had a company refuse to accept a check or do business with you due to your TeleCheck report. If that happens, you should be given a code number to identify the transaction, and a phone number to call TeleCheck.
To request a copy of your report, call 1-800-366-2425 or write:
TeleCheck Services, Inc.
Attention: Consumer Resolutions-FA
P.O. Box 4514
Houston, TX 77210-4514
On their webpage, TeleCheck asks you to send your name, your social security number, your daytime phone number, a copy of your driver's license, a voided check and a copy of a tax or utility bill to show your current address.
That's way more information than the FTC suggests that you need to give, to get a copy of a report from a credit bureau. Maybe you don't have a driver's license, phone, employer, blank check to void or tax or utility bill. Maybe if you do, it's none of TeleCheck's business. Here's what the FTC says and that ought to be enough:
"You need to provide your name, address, Social Security number, and date of birth. If you have moved in the last two years, you may have to provide your previous address."
They also say that each company may request some information to identify you, that only you would know, like how much your mortgage payment is.
TeleCheck should send you a free copy of your report within 15 days. If you don't receive it, you can complain through the FTC at www.ftccomplaintassistant.gov though they won't actually help you get the report, but it'll make you feel better. Then write TeleCheck a letter at the address above, reminding them that they're obligated by law to send you a free copy of your report within 15 days.