There's a separate, parallel system of checking checks. My credit is in very good shape, but there's a company out there that thinks somebody with my name passe

There's a separate, parallel system of checking checks. My credit is in very good shape, but there's a company out there that thinks somebody with my name passed a bad check in a state where I don't reside on a bank account that was no longer open when the transaction was made--indeed, the bank itself no longer existed at the time. I found this out when I went to try to open a joint account with a business partner and got denied. We ended up opening the account at an institution which I already used, instead.