Consumer complaint received 2023-01-06 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: MS

Complaint narrative:
I received a Notice of Debt Collection from TRS Recovery Services ; hereinafter known as TRS, on XX/XX/XXXX. The notice indicates that TRS is attempting to collect a debt originating with XXXX XXXX. XXXX ; in the amount of {$390.00}. The Notice references an account ending in XXXX. However, there is no indication of the type of account this is. I have no credit or banking accounts ending in the number XXXX. Also, I have not shopped at XXXX store # XXXX. Nor do I have any idea how to get to the store. I looked the store number up via a web search ; which appears to be in XXXX, MS . This store is at the opposite end of the state of Mississippi from my residence. Also, I have never received any type of correspondence from XXXX regarding a debt or account. The letter from TRS was my first notification. 

I contacted TRS via telephone this and spoke with a customer service rep to inform them that I am concerned about identity theft in this case. I asked to speak with someone in their fraud department. She informed me their fraud personnel didn't discuss cases over the phone and that I would have to submit a form on their website. The rep also could not provide me with any information on the originating documents. Based on the very limited information provided to me by TRS, it looks like this may currently be a fraud issue involving a checking/savings account or fraudulent checks written to XXXX. 

I am a current victim of identity theft. My personal information was exposed due to a data breach with the United States Office of Personnel Management. Later, my identity was exposed through the XXXX data breach. Subsequently, I have experienced several previous fraudulent attempts to setup checking and investment accounts using my personal information. The previous instances are as follows : XXXX XXXX Fraud Dept . case number XXXX Disputed XX/XX/XXXX. I placed an alert of identity theft with credit reporting agencies. This was a fraudulent attempt to open a checking account in my name. XXXX XXXX held me harmless. 

XXXX XXXX XXXX XXXX Fraud Dept . case ID : XXXX Disputed XX/XX/XXXX. I also submitted a report to the Federal Trade Commission under reference # XXXX. This also appeared to be an attempt to open checking or savings accounts up using my identity. XXXX XXXX XXXX XXXX closed the case in my favor. 

XXXX XXXX XX/XX/XXXX. This was an attempt to open investments and brokerage accounts using my identity. I contacted XXXX. They were able to close the accounts and closed the case in my favor. Since the accounts were opened using the internet, I filed an Internet Crime Complaint with the Federal Bureau of Investigation via their internet crime complaint form on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX # XXXX Disputed XX/XX/XXXX. I was notified of the application by the credit union prior to the establishment of any account ( XXXX ) They closed the accounts and case in my favor. I also reported the incident to the Federal Trade Commission under reference # XXXX. 

I alerted the 3 credit reporting agencies of the identity theft again in XX/XX/XXXX and had another alert placed on my credit reports for financial institutions. 

If any of the above referenced cases had been successful, there could have been substantial theft, banking and wire fraud, along with potential money laundering. This is also very burdensome in attempting to protect myself legally and financially.

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 non-monetary relief