Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
My name is XXXX XXXX, I am a Small Business Owner that has been repeatedly targeted by XXXX XXXX XXXX for Financial Crimes and abuse. 

I have repeatedly requested in writing and by phone that Telecheck , Inc. a Division of Fiserv stop falsely reporting data on me, XXXX XXXX and my businesses XXXX XXXX XXXX and XXXX XXXX. I have previously opted out of all Fiserv data and I have requested that my data be removed from their Telecheck systems due to substantial evidence of fraud in their check reporting processes and procedures. 

I have evidence that Fiserv and TeleCheck Services, LLC allowed XXXX XXXX XXXX to illegally access my banking and financial data. This includes allowing XXXX XXXX XXXXXXXX and XXXX XXXX XXXX employees to create and send fake check history between merchants using my personal information and data. TeleCheck has facilitated and participated in recording illegal credit reporting activity on me XXXX XXXX. Telecheck is processing fake check data on transactions and bank accounts I know nothing about and reporting this data on Consumer Reports and to Merchants. Telecheck is facilitating and participating in aggravated Identity Theft and Defamation of Character against me because I am XXXX. 

On, XX/XX/2023 I attempted to pay XXXX {$100.00} USD from a real XXXX XXXX XXXXXXXX Account I own with over {$10000.00} USD available. I was surprised to be told by XXXX that there was a Telecheck Decline on my report. I have never written a bad check in my life and I have not written any checks for several years. I was told that there was no Telecheck Decline Code sent for the XXXX Transaction but that Telecheck was holding my transaction from processing. I was given the CASE ID XXXX by XXXX for follow-up with Telecheck at phone number ( XXXX ) XXXX A Telecheck Customer Service Agent named XXXX stated that the CASE ID XXXX under my name was related to a bad check for {$49.00} written to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TN XXXX. I have never written a check to XXXX XXXX XXXX and I have not authorized any Bank Transaction with this company. I have never purchased anything from this company. This is one of several examples whereby Telecheck is recording and reporting false information about me, XXXX XXXX, to banks and merchants like XXXX. It is unfair that my real valid transaction attempt at XXXX was blocked by a check written to a Tractor company I have never known. 

Summary of Issues with Telecheck, a Fiserv company 1 ) Telecheck refused to provide the name of the Bank whereby the Fake Check for the XXXX XXXX company was actually recorded. 
2 ) Telecheck refused to provide a list of all Bank Accounts they have associated with me, XXXX XXXX and my XXXX XXXX XXXX XXXX and XXXX XXXX 3 ) Telecheck refused to explain why my valid purchase attempt through XXXX was blocked because of a fake and inaccurate transaction with a XXXX company in Tennessee I have never written a check to or processed any financial transaction with. 
4 ) Telecheck refused to explain why they are illegally using my data after several requests to Optout and permanently remove all my financial data from Fiserv systems. 

Though the transaction amounts discussed today are small this process of misreporting and cross linking transaction data between a consumer and an unknown merchant allows for thousands even millions of dollars in retail transactions between banks and merchants to be misreported and hidden as fraud. The crime occurs by falsely linking transactions from an innocent party to that of a criminal allowed to illegally use the innocent party 's banking information at the point of purchase which is later hidden and misreported by Telecheck under a different individual 's name. This type of fraud is exactly what happened to me today. My real transaction at XXXX was falsely linked under my name to a transaction done by someone else at a XXXX XXXXXXXX company I have never seen, but was till somehow linked to me? 

Please Investigate this suspicious activity at Telecheck.

Please have Telecheck stop blocking my valid financial transactions and causing my life undue stress and harm. 

Thank You, XXXX XXXX, XXXX Consumer being attacked by XXXX XXXX XXXX at Financial Institutions

Company response to consumer: Closed with explanation