Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FISERV FINXACT CORE
State: MI

Complaint narrative:
Unfortunately, I have identified several in accuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. However, the credit reporting agencies have not adhered to federal trade commission regulations and have failed to correct these discrepancies. Unfortunately, I have found several inaccuracies and unauthorized inquiries on my consumer report and would lithe accounts updated effective immediately. 
Account name : XXXX Account number : XXXX Date opened : XX/XX/year>. Account Name : XXXXXXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/year> This account was opened and furnished as the result of a data beach/identity theft. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.. This account is reported in accurately on the balance present and is not up-to-date. This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. I have the right to dispute a lawful validation of debt pursuant to XXXX XXXX XXXX Notice for validation of debts under the FDCPA. XXXX to XXXX XXXX Code XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which Portfolio recovery Associates did continue to furnish my public information without having permissible purposes, pursuant to XXXX XXXX Code XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports. This company is in violation of the following Laws ; XXXX XXXX Code XXXX ( XXXX ) - Definitions ; rules of construction XXXX XXXX Code XXXXXXXX XXXX XXXX XXXX  - Communication in connection with debt collection XXXX XXXX Code XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports. XXXX XXXX XXXX XXXX q - Obtaining information under false pretenses. XXXX XXXX XXXX XXXX - Aggravated identity theft. Until this alleged debt is validated by proof of contractual agreement it is illegal for this company To continue to furnish this alleged debt on to my consumer reports. This company may be held liable pursuant to federal law title XXXX XXXX XXXX and title XXXX XXXX XXXX for negligence. Pursuant to FCRA XXXX and XXXX XXXX XXXX I demand that these accounts be removed within XXXX  business days as permitted by federal law. 

Unauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to XXXX XXXX XXXX Per XXXX XXXX XXXX Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately. 

XXXX XXXX XXXX XXXX date XX/XX/year>XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/year>XXXX XXXX XXXX  XXXX XXXX XXXX Purposes, I want these hard inquiries removed from my consumer report. The previous inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately.

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