Consumer complaint received 2022-05-21
Company: FISERV INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Collections and Consumer Relations Dept. : I was recently informed of negative information reported by the following list of banks listed below included in the file XXXX maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a Checking Account Fraud in XX/XX/XXXX. 
I am unaware of ever having all the following checking accounts listed below. 
Please validate this information with all the banks listed below and provide me with copies of any documentation associated with this Account bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Your Address Sincerely, XXXX XXXX XXXX XXXX XXXX ID : XXXX XXXX XXXX Bank Name : XXXX XXXX  Ref # : XXXX XXXX Number XXXX XXXX Account Number : XXXX Incident Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXXXXXX XXXX  Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX {$490.00} XXXX  XXXX XXXX  {$490.00} XXXX  XXXX XXXX Texas XXXX XXXX XXXX Account Fraud Bank Name : BRANCH BANKING XXXX XXXX XXXX  XXXX XXXX : XXXX Account # : XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX {$520.00} XXXX XXXX {$460.00} XXXX XXXX  {$5.00} XXXX XXXX {$25.00} XXXX XXXX  Reason : Checking Account Fraud Bank Name : XXXX XXXX XXXX Bank XXXX # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX XXXX  Bank XXXX # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX  Bank Routing XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX  Bank Routing XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name XXXX XXXX XXXX XXXX  Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX  XXXX XXXX  Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation