Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FISERV FINXACT CORE
State: GA

Complaint narrative:
Subject : Dispute of Inaccurate Information and Request for Permanent Security Freeze and Permanent Opt-Out Dear Representatives, I am writing to address two separate but related matters : 1. A formal dispute of inaccurate information on my XXXX and TeleCheck consumer disclosure reports. 
2. A request for a permanent security freeze and permanent opt-out on my consumer file.

________________________________________ Part 1 : Dispute of Inaccurate Information Description I am writing to formally dispute inaccurate information contained in my consumer reports from XXXX and TeleCheck. Upon reviewing my reports, I identified several discrepancies that I believe to be incorrect and require immediate rectification under the Fair Credit Reporting Act ( FCRA ). 
The issues pertain to the following : Inaccuracies : Specific inaccuracies in my reports are highlighted in the attached documentation. These inaccuracies affect the accuracy and integrity of my consumer data. 
Failure to Validate Debt : As per 12 CFR 1006.34 ( c ), there has been a lack of validation for the debts in question. No clear and accurate description of the debts or evidence of contractual obligation has been provided. 
________________________________________ Disputed Accounts/Entries 1. Disputed Account 1 o Name : XXXXXXXX XXXX XXXX Account Number : XXXX o Dispute Reason Code : XXXX - Inaccurate Information o Explanation : I have never held an account with this number under the name XXXX XXXX. 
2. Disputed Account 2 o Name : XXXX o Account Number : XXXX o Dispute Reason Code : XXXX - Inaccurate Information o Explanation : I have never held an account with this number under the name XXXX. 
3. Disputed Account 3 o Name : XXXX XXXX Account Number : XXXX o Dispute Reason Code : XXXX - Inaccurate Information o Explanation : I have never held an account with this number under the name XXXX XXXX 
4. Disputed Account 4 o Name : XXXX XXXX XXXX Account Number : XXXX o Dispute Reason Code : XXXX - Inaccurate Information o Explanation : I have never held an account with this number under the name XXXX XXXX. 
XXXX. Disputed Account XXXX o Name : XXXX o Account Number : XXXX o Dispute Reason Code : XXXX - Inaccurate Information o Explanation : I have never held an account with this number under the name XXXX. 
XXXX. Disputed Account XXXX o Name : XXXX XXXX o Account Number : XXXX o Dispute Reason Code : XXXX - Inaccurate Information o Explanation : I have never held an account with this number under the name XXXX XXXX. 
XXXX. Disputed Account XXXX o Name : XXXX XXXX o Account Number : XXXX o Dispute Reason Code : XXXX - Inaccurate Information o Explanation : I have never held an account with this number under the name XXXX XXXX. 
XXXX. Disputed Account XXXX o Name : XXXX  o Account Number : XXXX o Dispute Reason Code : XXXX - Inaccurate Information o Explanation : I have never held an account with this number under the name XXXX 
XXXX. Disputed Account XXXX o Name : XXXX o Account Number : XXXX o Dispute Reason Code : XXXX - Inaccurate Information o Explanation : I have never held an account with this number under the name XXXX. 
10. Disputed Account 10 o Name : XXXX XXXX o Account Number : XXXX o Dispute Reason Code : XXXX - Inaccurate Information o Explanation : I have never held an account with this number under the name XXXX  XXXX XXXX 
XXXX. Disputed Account XXXX o Name : XXXX XXXX XXXX  o Account Number : XXXX o Dispute Reason Code : XXXX - Inaccurate Information o Explanation : I have never held an account with this number under the name XXXX XXXX XXXX. 
XXXX. Disputed Account XXXX o Name : XXXX o Account Number : XXXX o Dispute Reason Code : XXXX - Inaccurate Information o Explanation : I have never held an account with this number under the name XXXX. 
XXXX. Disputed Account XXXX o Name : XXXX  XXXX o Account Number : XXXX o Dispute Reason Code : XXXX - Inaccurate Information o Explanation : I have never held an account with this number under the name XXXX  XXXX XXXX 
XXXX. Disputed Account XXXX o Name : XXXX  XXXX o Account Number : XXXX o Dispute Reason Code : XXXX - Inaccurate Information o Explanation : I have never held an account with this number under the name XXXX  XXXX. 
15. Disputed Account 15 o Name : XXXX XXXX Bankruptcy o Account Number : XXXX o Dispute Reason Code : XXXX - Inaccurate Information o Explanation : I have never held an account with this number under the name XXXX XXXX Bankruptcy.

I request a manual review of this information due to the complexity of the inaccuracies. I have attached highlighted copies of my reports with the incorrect information clearly marked. Please investigate these matters and remove the inaccurate data. Notify me in writing of the results of your investigation and any actions taken. 
Under the FCRA, I am entitled to a thorough and transparent investigation. I expect a prompt response. If you fail to provide a detailed description of the investigation process, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and may seek legal counsel.

Requested Actions : 1. Conduct a thorough investigation of the disputed accounts/items.

2. Provide a detailed written statement of the investigation results and any actions taken.

3. Send me an updated copy of my corrected consumer reports from XXXX and TeleCheck. 
________________________________________ Part 2 : Request for Permanent Security Freeze and Permanent Opt-Out I also request the following actions to ensure the security and privacy of my consumer data : Place a permanent security freeze on my consumer file with XXXX and TeleCheck to prevent unauthorized access or use of my personal information. 
Permanently opt me out of all pre-approved offers, marketing campaigns, and data-sharing programs across these companies. 
________________________________________ Personal Information for Verification Full Name : XXXX XXXX Date of Birth : XX/XX/1979 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX Phone Number : ( XXXX ) XXXX Email Address : XXXX Enclosed are copies of my drivers license and a utility bill for verification. Please confirm in writing once these actions have been completed or if additional information is needed. 
________________________________________ Relevant Laws 15 U.S.C. 1681e ( b ) : Compliance procedures for maximum possible accuracy.

15 U.S.C. 1681i : Procedure in case of disputed accuracy.

15 U.S.C. 1681c : Requirements relating to information contained in consumer reports.

12 CFR 1006.34 ( c ) : Validation of debt details and original creditor information. 
________________________________________ Thank you for your attention to these matters. I look forward to your response within the timeframes mandated by the FCRA. Please contact me at ( XXXX ) XXXX or XXXX if you require further clarification. 
Sincerely, XXXX XXXX XXXX

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