Consumer complaint received 2023-12-26
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2023 According to the Fair Credit Reporting Act, XXXX XXXX XXXX section XXXX states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities for fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isnt shared which is backed by XXXX XXXX XXXX which states It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information. XXXX XXXX XXXX XXXX institutions by definition under that title. Pursuant to XXXX XXXX XXXX, ( XXXX ) Exclusions : ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX history is illegal. Per XXXX XXXX XXXX Permissible purposes of consumer reports -In accordance with the written instructions of the consumer to whom it relates. I never gave written instructions authorizing the creditor to send my personal information to any credit bureau. The XXXX did not get my consent to add anything to my consumer report, which is a violation of the Fair Credit Reporting Act. 
-P.L XXXX XXXX ( XXXX XXXX. XXXX ), states that any agency can only get my consumer report in response to a request by the head of a XXXX or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ). 
XXXX XXXX XXXX section XXXX section XXXX states that In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX financial institutions and the XXXX reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX ; Also XXXX XXXX XXXX XXXX it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that, XXXX XXXX XXXX ( a ) ( XXXX ) states, Except as authorized under subsection ( b ), no consumer reporting agency XXXX make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. These accounts are adverse items they are reporting again without my permission which is against the law. XXXX XXXX XXXX XXXX ( A ) ( XXXX ) states, A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. 


Also XXXX XXXX XXXX states that A consumer XXXX exercise the right to opt out at any time. 
I am opting out of your reporting services to XXXX, XXXX and XXXX. 


XXXX, XXXX XXXX XXXX for XXXX 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