Consumer complaint received 2022-07-26
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I've reached out to Syncb/Old Navy about Acct # XXXX and how they were violating my rights i asked Syncb/Old Navy to provide me with an SSA-3288 to show that i gave them consent to report anything to my credit even if they process is online Syncb/Old Navy have to have consent from every customer that's SS # 's involved. I let them know that I have a right to privacy and that have to respect my privacy. 15 US Code 1681 ( a ) ( 2 ) ( Exclusions ), things that aren't supposed to be included on a consumer report. Information solely as to transaction or experiences between the consumer and the person making the report. Consumer- is an individual ( Me ). Person-Any individual partnership, corporation, trust estate , cooperative association XXXX government, or governmental subdivision or agency, or other entity. Experiences & Transaction- Applying for a loan, credit cards, late payments, high utilization, charge off ( s ), collection accounts, Judgements, Repos, Bankruptcy. Any authorization or approval of a specific extension of credit directly or indirectly by the issuer or of a credit card or similar device. I tried to explain to this company that they were violating my rights I guess a lot of companies think there above the law and don't have to follow it. It becomes extremely difficult to exercise your rights when companies think they can do whatever they want and get away with it and we the consumer have to deal with it and that's not right because as a consumer my voice should be heard, and these types of companies need to be held accountable. 15 US Code 1681b Permissible purpose of consumer reports. ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. 15 US Code 1681a ( 2 ) speaks on a consumer right to privacy. I guess these companies don't follow law. This account that's being reported illegally has caused my family hardship and homelessness. This situation lines up with 15 US Code 1681 ( n ) Civil liability of willful noncompliance Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
( XXXX ) such amount of punitive damages as the court may allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I've tried to fix the problem with the company and i get no where

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