Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
These are written as XXXX XXXX CFPB complaint-ready statements XXXX XXXX identity theft victim ( since XXXX ), mixed file, fraud, and illegal data XXXX XXXX XXXX is reporting fraudulent, inaccurate, and identity-theftrelated information without my consent. I am a long-term victim of identity theft ( since XXXX  ), and my personal banking information has been mixed with other individuals, illegally shared, and sold to third-party entities without permissible purpose. This violates the FCRA ( 15 USC 1681b, 1681e ( b ), 1681c-2, 1681i ), the FACT Act Identity Theft Protections, the GLBA ( privacy violations ), and the FDCPA for attempting collection on identity-theft-based accounts. XXXX has failed to conduct a reasonable reinvestigation within 30 days ( XXXX ), failed to block information resulting from identity theft ( XXXX ), and continued publishing and selling my data to banks and unknown facilities without my permission. I demand full deletion of all fraudulent records, immediate blocking under FCRA 605B, and investigation sanctions for willfully reporting false XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL OTHER BANKS & CREDIT UNIONS XXXX XXXX Many more XXXX XXXX This bank has allowed fraudulent and identity-theft accounts, inquiries, or transactions to be created in my name without authorization. I am a victim of identity theft since XXXX, and the bank failed to verify identity, failed to maintain accurate records, and shared or sold my personal data to third-party entities ( including XXXX XXXX XXXX XXXX  XXXX and TeleCheck ) without my consent. This violates FCRA 1681b ( no permissible purpose ), 1681e ( b ) ( failure to ensure accuracy ), 1681i ( failure to reinvestigate ), 1681c-2 & 605B ( identity theft blocking ), the FACT Act identity theft protections, the GLBA privacy rule, and FDCPA for reporting or attempting to collect fraudulent debts. The continued reporting by the bank has caused harm, financial injury, and ongoing identity theft. I demand complete deletion of all fraudulent accounts, inquiries, negative banking reports, and immediate cessation of data sharing. XXXX XXXX XXXX XXXX  I have been a victim of identity theft since the year XXXX, and my personal data has been used, sold, and circulated without my permission across multiple banks, reporting agencies, and third-party systems. Despite providing documentation, police reports, and fraud affidavits, the entities involved continue to publish, verify, and distribute information that does not belong to me. This is a violation of FCRA, GLBA, FACTA, FDCPA, and identity theft statutes. I am requesting full deletion, blocking under FCRA 605B, and regulatory enforcement for ongoing negligence and willful noncompliance. * * * FCRA * * 15 USC 1681, 1681a, 1681b, 1681c-2, 1681e ( b ), 1681i, 1681n, 1681o * * * FACTA * * Identity Theft Red Flags Rule * * * GLBA ( GrammLeachBliley Act ) * * Privacy & Safeguards Rule * * * FDCPA * * fraudulent/identity-theft debt reporting * * * Identity Theft and Assumption Deterrence Act * * * * * Fair Credit and Billing laws * * * * * Consumer Financial Protection Act ( Dodd-Frank ) * * prohibiting unfair, deceptive, or abusive acts * * * FTC Identity Theft Rules * *

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