Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FISERV FINXACT CORE
State: GA

Complaint narrative:
WHAT HAPPENED ( COMPLAINT NARRATIVE ) I am submitting this complaint as a verified victim of identity theft, mixed-file activity, and data compromise that has resulted in materially inaccurate, inconsistent, and unverifiable information appearing on my consumer credit file across XXXX, XXXX, and XXXX 

Despite submitting disputes, identity theft documentation, and requests for verification, the credit reporting agencies and multiple furnishers failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), including but not limited to 607 ( b ), 609 ( a ), 611, 605A, and 605B.

Identity Theft & Mixed File I have filed a verified FTC Identity Theft Report ( Report # XXXX ) and a police report. Nevertheless, the CRAs continue to report accounts, inquiries, and personal data that are the result of identity theft or mixed-file contamination. 

The following inaccurate personal information continues to be reported and must be removed immediately : Incorrect and mixed addresses in Georgia and Tennessee Employers that I have not verified or authorized This constitutes non-compliance with FCRA 605B and XXXX XXXX personal information accuracy standards. 

Failure to Block Identity Theft Data ( 605B ) Despite receiving identity theft documentation, the CRAs failed to block or suppress accounts, inquiries, and derogatory data resulting from identity theft, as required by law. 

Improper Hard Inquiries ( FCRA 604 ) Multiple hard inquiries dated XX/XX/year>, appear on my credit file without documented permissible purpose or written authorization. The CRAs have not produced proof of lawful access or consumer consent. Any inquiry lacking a valid permissible purpose must be deleted or reclassified as a soft inquiry. 

Failure to Provide Method of Verification ( MOV ) For numerous accounts, the CRAs and furnishers failed to provide a proper per-account Method of Verification as required under FCRA 611 . Instead, they relied on blanket or automated verification without furnishing : Account-level documentation Certified furnisher responses Date of First Delinquency ( DOFD ) Month-by-month payment history Charge-off or collection authority XXXX  XXXX reporting codes Disclosure of whether verification was manual or via XXXX Cross-Bureau Inconsistencies Multiple accounts report materially different balances, dates opened, last active dates, payment histories, account types, and high credit amounts across bureaus. These inconsistencies demonstrate a failure to maintain reasonable procedures to ensure maximum possible accuracy under FCRA 607 ( b ). 

Late Payment & Charge-Off Defects Late payment markers, charge-offs, and collection statuses are reported without supporting documentation, proper DOFD disclosure, or verified payment histories. This reporting is inaccurate, unverifiable, and legally defective.

Specialty & Banking Consumer Reporting Agencies Negative data is also being reported or shared with specialty consumer reporting agencies ( including XXXX, XXXX XXXX XXXX, XXXX, and others ) without verified accuracy or proper consumer authorization. Security freezes and opt-outs are required. 

Bankruptcy Reporting Review A previously discharged XXXX  XXXX bankruptcy continues to be reported without proper certified court documentation, MOV disclosure, or cross-bureau consistency. No discharged debt may lawfully report post-discharge balances or collection activity.

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