Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
To Whom It May Concern : Consumer Protection & Security Department Subject : DEMAND FOR IMMEDIATE CREDIT REPORT FREEZE LEGALLY MANDATED UNDER FEDERAL LAW This letter serves as my formally and urgent demand for a full and immediate freeze of my credit report with your agency, in accordance with my rights granted under : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

The Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115-174, Section 301 ) Under these laws, I have the unrestricted right to place a free credit freeze at any time, preventing any third party from accessing or using my credit file without my explicit authorization.

Effective immediately, I demand that you block any access, inquiries, sharing, or release of my credit information to any and all entities. This includes but is not limited to lenders, landlords, employers, insurers, data brokers, or any affiliated parties.

This freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements.

Attached to this letter are the documents required to verify my identity : A copy of my government-issued photo ID A current utility bill or bank statement as proof of address A copy of my Social Security card ( or equivalent document ) As per federal regulation, you are legally obligated to place the freeze within one ( 1 ) business day if the request is submitted online or by phone, and within three ( 3 ) business days if submitted by mail.

Please provide written confirmation once the credit freeze has been successfully placed. This confirmation must include all relevant details, including the PIN, password, or any authentication method that will be required to temporarily lift or permanently remove the freeze in the future. Retain this information securely, as it is essential for any future modifications to my file.

This request is being made under the authority of : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

The Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115174, Section 301 ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) The Gramm-Leach-Bliley Act ( GLBA ) for data sharing and opt-out provisions In accordance with these federal protections, I hereby demand the following actions : 1. Immediate Credit Freeze Block all access to my credit report and related files. No party shall access, view, evaluate, or retrieve my credit data without my express written consent.

2. Security Block / Identity Theft Block If any fraudulent accounts or activity has been reported under my identity, apply a full security block under FCRA 605B to permanently remove such items.

3. Opt-Out of Data Sharing I opt out of all prescreened credit offers and any use of my data for marketing, resale, data aggregation, analytics, or third-party access under FCRA and GLBA rules .

4. Block Secondary Data Access Restrict access to my information from secondary consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks I would like to place a security freeze on my credit file effective today.

Company response to consumer: Closed with explanation