Consumer complaint received 2023-10-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern on XX/XX/2023 I wrote a letter to XXXX stating that I had been a victim of identity theft and there tradelines and inquiries on my consumer report that I didn't authorize. And XXXX reported it to Synchrony Fraud Solutions Team. On XX/XX/2023 I received in the mail that my fraud investigation on accounts ending in XXXX and XXXX was unable to approved for the following reasons : Payments have been made by you on this account. 
The account has been open for more than XXXX  months with statements sent to you. 
The purchased items were shipped to my address. 

These allegations are false and hearsay. I have never made payments on any of these accounts nor did I receive monthly statements on these tradelines. Nor did I obtain goods, services or money as a result of the transaction issue. If I did received goods, services or money as a result of this transaction issue or have made alleged payments on these accounts please have a senior executive or someone with who has first hand knowledge of this transaction issue to certify under the penalty of perjury that I have in fact receive goods, services or money from this transactions. If you can not then it is hearsay and allegation with no substantial proof. ALSO PLEASE PROVIDE ME WITH RECEIPTS OF THE ALLEGED PURCHASED ITEMS THAT WERE SHIPPED TO MY ADDRESS AND HAVE THESE DOCUMENTS SWORN UNDER PENALTY OF PERJURY THAT I RECEIVED THESE GOODS AS RESULT OF THIS TRANSACTION ISSUE.

I, THE CONSUMER DID NOT BENEFIT, CONSENT TO OR AUTHORIZE THESE TWO TRADELINES!!

Also pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) my consumer report is not supposed to include any transactions between the consumer and the creditor furnishing the report. And also pursuant to 15 USC 1681a ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; IS NOT SUPPOSED TO BE INCLUDED IN A CONSUMER REPORT! You are commiting fraud and breaking Federal LAW! NOR DID I GIVE YOU A PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT FOR ME. THAT IS FRAUD! 


Please note under the GrammLeachBliley Act you have violated my consumer rights. Pursuant to 15 U.S. Code 6802 ( b ) ( 1 ) of the GLBA you may not share any personally identifiable financial information aka non-public personal information about a consumer, unless you have provided a disclosure that provides an opportunity to Opt Out as well as directions as to how the consumer can exercise that non-disclosure option.

SYNCHRONY BANK did NOT fulfill its legal obligation with respect to the disclosure of the consumers personal information in accordance with the GLBA, therefore SYNCHRONY BANK did NOT lawfully OR legally obtain the consumers consent to share its private financial information with any Consumer Reporting Agency. 

SYNCHRONY BANK has reported private financial information about the consumer, to Consumer Reporting Agencies without lawful authority resulting in the breaching of the initial contract associated with the above account number, deprivation of the consumers right to privacy ; and the use of another persons identifying information without consent to commit a crime which constitutes Identity Theft pursuant to 15 US Code 1681a ( q ) ( 3 ).

In accordance with 15 US Code 1681c-2 and 15 US Code 1681s-1 ( a ) ( B ) you have 10 days to either DELETE all inequitable/ negative account information associated with the account number provided herein this notice ; OR provide me with proof that SYNCHRONY BANK provided a GLBA compliant disclosures or otherwise acted with legal authority when it reported private account information about the consumer-to-Consumer Reporting Agencies. 


PLEASE NOTE THAT XXXX, XXXX & XXXX HAVE ALREADY REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT AS THEY ARE AWARE THEY WERE THE RESULT OF IDENTITY THEFT. 

PLEASE NOTE IF THESE ACCOUNTS ARE REPORTED BACK TO MY CONSUMER REPORT YOU WILL BE IN VIOLATION OF THE FCRA! ONCE A ACCOUNT IS REMOVED IT IS ILLEGAL TO PUT BACK ON A CONSUMER CREDIT REPORT! 

This deprivation of the consumers right to privacy is causing the depravation of the consumers right to contract. In addition to credit extension deprivation, the consumer has suffered a loss in wages and financial ruin.

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