Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: AL

Complaint narrative:
Two days ago ( XX/XX/XXXX ), I got a letter from XXXX ( a debt collection agency ). They said I owed a total of {$150.00} from three incidents. TeleCheck Services Inc is the creditor supposing these transactions. I believe this is from the SAME incident which occurred last year between XX/XX/XXXX to XXXX at a XXXX in XXXX XXXX I have NO idea how they happened or what MEANS they were able to use my identity to perpetrate these crimes. I have already filed a report with the FTC during the month of XXXX of XXXX. At that time, TRS Recovery Service was attempting to recover this false debt. I did file a forgery/identity theft declaration with them, via fax on XX/XX/XXXX. I did NOT provide them with my ss # or driver 's license, because 1 ) I did not feel comfortable doing that over the phone and felt it may have been phishing, 2 there was no proof that either were involved and 2 ) the person I spoke to on the phone would not disclose any additional information about HOW the identity theft was perpetrated. I do NOT live in XXXX and I have not been there in nearly 10 years. I then notified the XXXX Police Department of the incident in an attempt to resolve the matter. I got an email from a XXXX XXXX XXXX ( XXXX ) assigning me a case number ( XXXX ). I had not heard anything more from either TRS or the XXXX  PD until XX/XX/XXXX. XXXX XXXX XXXX sent me an email to let me know he would no longer be handling my case and gave me a number to call ( XXXX ) to find out who would not be handling my case. I tried several times over the next few months, but I never got a reply from them. I had not thought much about it until two days ago when I got the above-mentioned letter from XXXX, attempting to, again ( I believe ), collect this debt. Today ( XX/XX/XXXX ) I called XXXX to verify that I had NO debt collections appearing on my credit report. The AFFIRMED that I did NOT have any collections showing. I have been paying for a credit monitoring service from them, which allows me to see reports from ALL credit services. I talked to their Global Consumer Care office, and they CONFIRMED that there are NO collections showing on my credit reports, but he did advise me to call the other two services ( XXXX and XXXX ) to verify WITH THEM that no collections are appearing on my credit report with them as well. I do plan on doing this later today. I have placed a new fraud alert on my credit report ( since the previous one expired ). Finally, as recommended by the representative with XXXX 's XXXX XXXX XXXX department, I went on the XXXX web site to get a copy of my credit report. I didn't find ANY new accounts opened or anything suspect. The representative said that the letters I have been receiving COULD be phishing, but I just don't know since it seems that, although no collections are showing and have NEVER shown on any of my credit reports, why did I get the letters from TRS last year, and why NOW am I getting another one for the same amounts THIS year? Please help me resolve this for once.

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