Consumer complaint received 2025-11-06 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: NY

Complaint narrative:
I am the victim of identity theft and fraudulent activity that resulted in unauthorized bank accounts and inquiries being reported to XXXX XXXX XXXX. I was also made known by Equifax that my information was involved in their data breach. ( see attached ) These accounts and inquiries were opened or initiated without my knowledge or consent. I have never had a business or personal relationship with the financial institutions or entities reflected in these reports, nor did I authorize any applications associated with these inquiries. The activity is the direct result of identity theft. 


Multiple fraudulent bank accounts were opened in my name and later closed with negative reporting. Fraudulent checking accounts, debit activity, and returned items were reported under my identity without my authorization. In addition, numerous inquiries were made across a series of financial institutions, including but not limited to national banks, credit unions, insurance-related finance providers, and payment verification services. These inquiries and account openings occurred across a span of time that I was not present, associated with, or involved in any such transactions. 


Upon discovery of the identity theft, I took immediate steps to resolve the matter : I filed and submitted an FTC Identity Theft Report and Affidavit. 
I disputed the fraudulent accounts and inquiries directly with XXXX XXXX XXXX. 
I notified XXXX and requested investigation and removal of the fraudulent data in accordance with identity theft blocking rights. 
I disputed the fraudulent information with the credit bureaus under my rights provided by the Fair Credit Reporting Act ( FCRA ). 
I provided proof of identity, proof of address, and supporting documentation confirming the fraudulent activity. 


Despite providing appropriate evidence and following all required procedures, the fraudulent accounts and inquiries have not been removed or blocked within the legally mandated timeframe. XXXX XXXX XXXX has continued to report inaccurate data tied to identity theft, which is causing ongoing harm and preventing access to legitimate financial services. 

Under 15 U.S.C. 1681c-2, I have the right to request the blocking of information resulting from identity theft once an identity theft report has been submitted. XXXX XXXX XXXX is obligated to cease reporting this information on receipt of a valid identity theft report. Additionally, under XXXX XXXX. XXXX, furnishers of data are required to ensure the accuracy of information they report and are required to investigate and correct any data found to be false, fraudulent, or resulting from identity theft. These obligations have not been met. 



I am requesting the CFPB to intervene and ensure XXXX XXXX XXXX immediately : Removes and blocks all fraudulent bank accounts associated with the identity theft. 
Removes and blocks all fraudulent inquiries associated with the identity theft. 
Removes any unauthorized or inaccurate addresses associated with these fraudulent accounts and inquiries. 
Provides written confirmation of removal and blocking. 

I have taken every necessary legal and procedural step to resolve this matter directly. Due to the ongoing reporting of fraudulent information and failure to comply with federal law, I am now escalating this complaint through the CFPB for enforcement and relief.

Company response to consumer: Closed with explanation