Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FISERV FINXACT CORE
State: WA

Complaint narrative:
I am a Washington State consumer submitting this complaint to request that the Consumer Financial Protection Bureau ( CFPB ) investigate the practices of specialty consumer reporting agencies including XXXX TeleCheck, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and any furnishers providing data to these agencies. 

These agencies maintain data that directly affects essential areas of my life, such as banking, housing, and financial services. 
Because of information reported by them, I have personally experienced : Denials when attempting to cash checks Refusals or closures when opening bank accounts Rejections for rental housing Higher required security deposits Additional conditions imposed by landlords during the screening process These denials and conditions have caused measurable financial harm and emotional distress. 
I believe these outcomes stem from inaccurate, incomplete, or unlawfully furnished data reported or stored by these agencies and their furnishers.

Licensing and Legal Compliance Concerns Under RCW 19.16.110, any company that collects or attempts to collect debts owed by Washington residents must first obtain a Washington State collection-agency license.

Unlicensed collection or data furnishing is expressly defined as an unfair or deceptive act under RCW 19.16.440 and the Washington Consumer Protection Act ( RCW 19.86 ).

I have reason to believe that some furnishers reporting information about me may not hold an active Washington license, and therefore, any data they have reported is unlawful and invalid under both state and federal law.

Reporting data obtained or furnished by unlicensed entities violates : FCRA 607 ( b ) requiring reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( a ) requiring a reasonable reinvestigation of disputed information.

RCW 19.182.020 ( 2 ) Washingtons equivalent of the FCRAs accuracy requirement.

A simple search through the Nationwide Multistate Licensing System ( NMLS ) or the Washington Department of Licensing could confirm whether each furnisher is properly licensed.

I am asking that these agencies be required to perform that verification process for all data reported about me.

Verification, Accuracy, and Identity Updates I am requesting that the CFPB require all involved agencies to : Verify that every company furnishing or maintaining information about me is properly licensed and authorized to operate in Washington.

Conduct a full review of my file to confirm that all information is accurate, complete, current, and legally reportable.

Update my records to reflect my current and legal identity and remove or suppress any outdated, duplicate, or obsolete identifiers.

Delete any data that exceeds the legally reportable period as defined under FCRA 605 ( a ) and RCW 19.182.040.

I have enclosed a copy of my U.S. Passport Card, Marriage License, and current Avista utility bill to verify my identity, legal name, and Washington residency.

These documents satisfy the reasonable identification requirement under FCRA 610 ( a ) and should not be used to delay my request.

Although my complaint specifically concerns my records, the same issues could affect other Washington consumers if unlicensed furnishers or inaccurate data practices are being used systemically.

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