Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: CO

Complaint narrative:
Step 1 : What is this complaint about?

Fraud on behalf of a company, after following steps to correct it has still taken place. Identify theft. 

Step 2 : What type of problem are you having?

I believe that both TRS Recovery Services ( TRS ) and XXXX are in violation of The Fair Debt Collection Practices Act, specifically related to Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone. I have already spoken with both these companies and addressed the fraud and have asked them to stop calling however they have continued to call me and forward the fraudulent information to other third-party collection agencies. Additionally, they knowingly are allowing the passing of bad checks with no proof of identification when doing so allowing them to grow the amount owed in collections. 

Step 3 : What happened? 
I, XXXX XXXX have been victim to what I believe is identity theft, on the 1st and 2nd day of XX/XX/XXXX XXXX checks were passed by someone at XXXX Check Number XXXX, XXXX, and XXXX. I was then contacted by two collection agencies by the name of TRS Recovery Services ( TRS ) and XXXX stating that I had passed a check that bounce. However I do not own checks nor have I written a check in the last seven-plus years, I spoke with both companies and I then gave them information to verify they had the correct person upon giving information they informed me they could not find anything that connected to my identification. When I ask that this be removed and that they stop calling me regarding this they instructed me to complete an online dispute I completed that and then one account was closed for fraud. 
On today XX/XX/XXXX I received a call from another third-party collection agency that notified me that I had an outstanding balance of $ XXXX I let them know I had not written any check and that this had to be incorrect when I spoke to the third party collection agency they had no correct identifying information for me outside of my Phone Number, and Address ; the name they had for me on file was spelled incorrectly, drivers license number they had was incorrect, email was incorrect and furthermore, on the date of XXXX I was in the process of moving from XXXX XXXX XXXX my wife and I did not stop at XXXX nor did we write a check. 
When I asked for proof of the checks I was told they did not have them and that I would need to reach out to compliance to get any information they have related to this account, I provided information that I received from the third-party collection agency to TRS Recovery Services ( TRS ) and XXXX both said they had no account information. 
Again on today XX/XX/XXXX, I spoke with all companies who failed to provide me with any information that is related to me, the third-party collection agency provided me with a bank account number of XXXX and routing a number of XXXX this lead me to XXXX XXXX XXXX XXXX, I reached out to them they said that they had no account by that number and that it was all incorrect information I even provided them with my name, and SSN. 
I strongly believe that this company is allowing checks to be passed that they have been advised are fraud, they have never contacted me regarding any of this information until it has been moved into collections I believe this company is attacking people and are stealing money from people this way, please help me get this resolved it is having a negative effect on my credit. 

Step XXXX : What company is this complaint about? 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX. 
XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CO XXXX Trs Recovery Services , Inc . 
XXXX XXXX XXXX XXXX XXXX, GA XXXX Step 5 : Who are the people involved? 
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