SAN FRANCISCO (CBS SF) — You’ve heard of your credit report, but a Call Kurtis Investigation has learned there are dozens of reports about you, you probably don’t know about. A couple from Antelope didn’t know until they were cut off from their bank cards.

Johnny Smith says he has thousands of dollars in his account, but showed us how his credit union won’t let him get cash out of the ATM. His wife Stephanie says her bank card was rejected while shopping over the holidays.

READ MORE: Early Morning Earthquake Cluster Rattles Central Coast

“You are totally embarrassed,” she recalls feeling. “You start looking at all these people around you and you think, oh my God.”

READ MORE: Oakland Police Intensify Sideshow Crackdown As Violence Escalates

The couple says Safe Credit Union deactivated their cards over what popped up on their Chex Systems Report. They say they never heard of this report before. The company tracks banking and checking account histories. 80% of banks and credit unions use Chex Systems and share information including if you’ve over drafted, bounced a check, have unpaid debts, or if there’s suspected fraud with your account.

MORE NEWS: Johnson & Johnson Vaccine Shipments Could Arrive As Soon As Monday

For the full report, click here.