Consumer complaint received 2023-04-21
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX IS NOT MY ACCOUNT!!! Ive NEVER had car insurance with XXXX XXXX XXXX. Please have the creditor provide the consumer with a copy of the actual insurance contract and/or policy bearing my signature, the Title Holder and VIN number for the car that was insured, and proof that I am the owner of the car that was insured. I should have ZERO collections on my credit profile. 

These negligent and egregious actions by XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX, XXXX, and ALL other Credit Reporting Agencies has daily irreparably harmed me as a consumer causing damages to me and my family in the form of Denial of Credit opportunities for myself and my business, Denial in Mortgage Loan Applications, Denial of my Security Clearances, and the Denial of employment opportunities directed connected to my inability to obtain a Federal Security Clearance which is based in part on my Credit History. As such, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ALL other Credit Reporting Agencies reporting this incorrect information has full legal liability for several causes of action to include but are not limited to Fraud, Identity Theft, the violation of my 5th and 14th Amendment Due Process Rights, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.!!!!

Pursuant to the FCRA, the Maryland Fair Credit Reporting Agencies Act, the 5th and 14th Amendment to the U.S. Constitution, and the Maryland Bill of Rights, I demand that XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXC, XXXX, and ALL other Credit Reporting AgencieXXXX use Exhibits A-I to CALL ME AT XXXX AND IMMEDIATELY DELETE & REMOVE THE ABOVE AND HEREIN MENTIONED INACCURATE, FRAUDULENT AND NEGLEGENTLY REPORTED INFORMATION FROM MY CREDIT PROFILE WITHIN THE NEXT FIVE ( 5 ) BUSINESS DAYS pursuant to the Expedited Dispute Resolution procedures of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.!!!! See Exhibits A - I.

EXHIBIT A, PAGES 4 - 13 F. Accounts This is a summary of ALL of the Credit Accounts as they appear on my XXXX Credit Report and my rebuttals, comments, and changes that need to be made related to these accounts. They are numbered EXACTLY according to how they numerically appear in Exhibit A. 

1 ) XXXX XXXX XXXX XXXX Account Number : N/A Consumer initiated the closure of this small credit card account in XX/XX/XXXX. Page 4 of my XXXX XXXX XXXX enclosed as Exhibit A, INACCURATELY reports that I have a balance of {$470.00} due on my XXXX XXXX XXXX XXXX XXXX, which is INACCURATE. This reporting by the CRA Defendants doesnt credit me for the total of {$300.00} in payments that I TIMELY made on my XXXX XXXX XXXX credit card over the months of XXXX and XX/XX/XXXX. As direct evidence, Exhibit D is a print of my XXXX XXXX XXXX bank statements showing how I paid {$150.00} in XX/XX/XXXX and {$150.00} in XX/XX/XXXX towards my XXXX XXXX XXXX  credit card account. As such, the balance on my XXXX XXXX XXXX  credit card should only read {$170.00} across ALL of my credit profiles with ALL Credit Reporting Agencies!!!! PLEASE UPDATE AND CORRECT THE INSTALLMENT DEBT PORTION OF MY CONSUMER CREDIT REPORT IMMEDIATELY TO REFLECT THESE CHANGES!!!! See Exhibits A-D.

This account also INACCURATELY reports that I have one ( 1 ) instance of being late and/or delinquent for more 30-days on this account which is FALSE and FRAUDULENT INFORMATION!! Ive NEVER been late in paying on this account. NEVER! This is an INACCURATE and DAMAGING statement on my credit profile which has caused me considerable irreparable financial, emotional, and psychological harm to both myself and my family by both the Creditor and the CRAs in clear and direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. ; the Maryland Consumer Credit Reporting Agencies Act, Annotated Code of Maryland, Commercial Law Article, 14-1201, et seq. ; the 5th and 14th Amendments to the U.S. Constitution Due Process clauses ; and Maryland Law regarding Fraud, Identity Theft, and Tortious Interference, to name a few. 

I demand that XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ALL other Credit Reporting Agencies also use Exhibits A-D to CALL ME AT XXXX AND IMMEDIATELY UPDATE & REMOVE THE ABOVE AND HEREIN MENTIONED INACCURATE, AGED, DUPLICATE, AND NEGLEGENTLY REPORTED INFORMATION FROM MY CREDIT PROFILE WITHIN THE NEXT FIVE ( 5 ) BUSINESS DAYS pursuant to the Expedited Dispute Resolution procedures of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.!!!! See Exhibits A - I. 

23 ) XXXX  XXXX XXXX, XXXX. XXXX Account Number : XXXX Credit account is accurately reporting HOWEVER, the Date of Last Activity reported is 13 years ago in XX/XX/XXXX, and the last date of reporting was supposed to end in XX/XX/XXXX pursuant to the FCRA and Maryland Law. As such, why is this PAID, CLOSED and AGED account still being reported on my Credit Report?

Pursuant to the FCRA, the Maryland Fair Credit Reporting Agencies Act, the 5th and 14th Amendment to the U.S. Constitution, and the Maryland Bill of Rights, I demand that XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ALL other Credit Reporting Agencies use Exhibits A-I to CALL ME AT XXXX AND IMMEDIATELY DELETE & REMOVE THE ABOVE AND HEREIN MENTIONED INACCURATE, FRAUDULENT AND NEGLEGENTLY REPORTED INFORMATION FROM MY CREDIT PROFILE WITHIN THE NEXT FIVE ( 5 ) BUSINESS DAYS pursuant to the Expedited Dispute Resolution procedures of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.!!!! See Exhibits A - I.

24 ) SYNCB/SAMS CLUB XXXX Account Number : N/A Credit account is accurately reporting HOWEVER, the Date of Last Activity reported is 12 years ago in XX/XX/XXXX, and the last date of reporting was supposed to end in XX/XX/XXXX pursuant to the FCRA and Maryland Law . As such, why is this PAID, CLOSED and AGED account still being reported on Credit Report? 
Pursuant to the FCRA, the Maryland Fair Credit Reporting Agencies Act, the 5th and 14th Amendment to the U.S. Constitution, and the Maryland Bill of Rights, I demand that SYNCB/SAMS CLUB, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ALL other Credit Reporting Agencies use Exhibits A-I to CALL ME AT XXXX AND IMMEDIATELY DELETE & REMOVE THE ABOVE AND HEREIN MENTIONED INACCURATE, FRAUDULENT AND NEGLEGENTLY REPORTED INFORMATION FROM MY CREDIT PROFILE WITHIN THE NEXT FIVE ( 5 ) BUSINESS DAYS pursuant to the Expedited Dispute Resolution procedures of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.!!!! See Exhibits A - I.

25 ) SYNCB/BELK XXXX Account Number : N/A Credit account is accurately reporting HOWEVER, the Date of Last Activity reported is 18 years ago in XX/XX/XXXX, and the last date of reporting was supposed to end in XX/XX/XXXX pursuant to the FCRA and Maryland Law . As such, why is this PAID, CLOSED and AGED account still being reported on my Credit Report? 
Pursuant to the FCRA, the Maryland Fair Credit Reporting Agencies Act, the 5th and 14th Amendment to the U.S. Constitution, and the Maryland Bill of Rights, I demand that SYNCB/BELK, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ALL other Credit Reporting Agencies use Exhibits A-I to CALL ME AT XXXX AND IMMEDIATELY DELETE & REMOVE THE ABOVE AND HEREIN MENTIONED INACCURATE, FRAUDULENT AND NEGLEGENTLY REPORTED INFORMATION FROM MY CREDIT PROFILE WITHIN THE NEXT FIVE ( 5 ) BUSINESS DAYS pursuant to the Expedited Dispute Resolution procedures of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.!!!! See Exhibits A - I.

26 ) SYNCB/ROOMS TO GO XXXX Account Number : N/A Credit account is accurately reporting HOWEVER, the Date of Last Activity reported is 18 years ago in XX/XX/XXXX, and the last date of reporting was supposed to end in XX/XX/XXXX pursuant to the FCRA and Maryland Law . As such, why is this PAID, CLOSED and AGED account still being reported on my Credit Report?

Pursuant to the FCRA, the Maryland Fair Credit Reporting Agencies Act, the 5th and 14th Amendment to the U.S. Constitution, and the Maryland Bill of Rights, I demand that SYNCB/ROOMS TO GO, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ALL other Credit Reporting Agencies use Exhibits A-I to CALL ME AT XXXX AND IMMEDIATELY DELETE & REMOVE THE ABOVE AND HEREIN MENTIONED INACCURATE, FRAUDULENT AND NEGLEGENTLY REPORTED INFORMATION FROM MY CREDIT PROFILE WITHIN THE NEXT FIVE ( 5 ) BUSINESS DAYS pursuant to the Expedited Dispute Resolution procedures of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.!!!! See Exhibits A - I.

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