Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: OH

Complaint narrative:
Today I received a very likely fraudulent debt collection notice, in the amount of {$11.00}, a debt which was asserted within the letter to have originated from XXXX. 

Since this claim seemed peculiar, in that it had no history of prior notifications or invoices or previous attempts to collectfrom either XXXX or anyone elsein caution I contacted XXXX directly to inquire as to the legitimacy of this debt and collection effort. 

XXXX assured me that they had no such records of any unpaid debts related to my interactions/purchase history with their store. 

Therefore, I am reporting this fraudulent effortapparently devised to collect not so much a small debt as it is to collect information related to my identity and finances. 

The ( false or or likely just corrupt ) Debt Collection Compsny identified in the letter is : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Reference : XXXX Online investigation has revealed this companys documented dishonesty and corruption, as displayed in multiple class action suits, etc. 

I would greatly appreciate any time, consideration and assistance that you may bring toward resolving this issue and protecting me from unwarranted credit reporting damage, etc. 

Thank you, XXXX XXXX Message submitted within this debt collectors online webpage given to challenge this debt.

After today receiving your debt collection notice, I immediately contacted XXXX with the suspicion that yours was a fraudulent collection effort. This because, this purported debt has absolutely no documented history. XXXX confirmed that they have absolutely no record of any outstanding debtsor submissions to your debt collection agencynor any record of any at all correspondences to me in any prior attempts either to simply alert me to, or invoice me for, this {$11.00} and change supposed debt. 

Also, I found no entry in my bank ledger for any rejected payments for the amount specified. 

Therefore, unless you provide expansive credible documentation with which to validate and legitimize this debt, payment will not be forthcoming. This documentation must include copies and images of XXXX  original supposed submission request for your agency to collect this meager debt, including the original dated transaction with XXXX, and also a contact number for whichever XXXX XXXX  department requested your companys intervention with this debt. 

Needless to say, because of the lack of any previous notices or collection attempts, if my credit report is altered in any way due to your agencys reporting of this fictional late payment, a visit small class me court will appear on your horizon. Please be advised, that due to my specific personal circumstances and conditions, I am alerting you to the disproportionate injury that I will suffer, if my effort toward a resolution of this suspect and undocumented claim, if it is met here with cold and dismissive disregard and attempt at exploitation. 

I will not receive any unsolicited telephone calls as a response, as I require hard copy copies of all correspondence. 

XXXX

Company response to consumer: Closed with explanation