Consumer complaint received 2020-08-19
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity fraud. 

I checked my credit report in early XX/XX/XXXX and found XXXX   listed 2 hard inquiries ( XXXX  on XX/XX/XXXX & XXXX  on XX/XX/XXXX ). XXXX listed 1 ( XXXX  on XX/XX/XXXX ). On or about XX/XX/XXXX, I called XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I froze my credit with all 3 reporting agencies, and explained the situation with all parties affected/listed above. 

XXXX, XXXX, and XXXX  quickly verified it was fraudulent due to the address not being correct. All 3 of them said that they would send a letter to the 3 credit reporting agencies, and I would have the hard inquiries removed from my credit report in 30-90 days ... this was 5 1/2 months ago ... and they are all still showing. 

On XX/XX/XXXX, I contacted XXXX who said they never received anything from XXXX  and that there was nothing they could do. They directed me to contact XXXX again. I immediately contacted XXXX   again. XXXX  stated that they sent the letter when I called them in early XX/XX/XXXX, but that they will fax it again. XXXX  also sent me a confirmation email ( which I requested ). 

On XX/XX/XXXX, I contacted XXXX again to see if they received the letter from XXXX  ... XXXX stated that they had not. I asked how I could submit the letter of proof that XXXX  sent me ... they refused to give me anyway to accept it. Instead, they told me my only option was to call XXXX again, and have them call them ( XXXX  ) explaining their determination. I called XXXX  again, and they said there is no such number to call, and all they can do is submit the letter again to XXXX. As a side note, I was " disconnected '' from XXXX 3 times ... taking me 30+ min each time to get a representative on the phone. I was " disconnected '' from XXXX as well, and it was 58 min before I spoke to a person for less than a minute, only to be transferred and have to wait for roughly 10 more minutes. 

On XX/XX/XXXX, I contacted XXXX again, and they told me that XXXX and XXXX never sent them a letter. The representative stated that he can file a dispute, but unclear what, if anything, will transpire ... since they too haven't done anything since becoming aware in early XX/XX/XXXX. 

Meanwhile, I need to apply for credit soon, and all these hard inquiries have a negative impact on my credit score. I have spent the better part of 3 days over the course of 5 1/2 months trying to resolve these inaccuracies, only to be told by the businesses that they did their part and it's the credit reporting agencies fault. While at the same time, being told by the credit reporting agencies that it is the businesses fault for not submitting anything. 

I am stuck with no recourse to straighten any of this out. Please help!

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 non-monetary relief