Consumer complaint received 2022-05-23
Company: SYNCHRONY FINANCIAL
State: FL
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:
My complaint is against Synchrony Bank for failing to remove unauthorized and fraudulent credit inquiries on my credit reports. I did not apply for this Lowes credit card. This inquiry along with many other inquiries for auto loans and credit card accounts appeared on my credit reports all within a few weeks of applying for an auto loan for a vehicle that I was purchasing from a local car dealer. I did not apply for any of these other auto loans or credit card accounts including this Lowes credit card with the exception of the XXXX XXXX XXXX  auto loan that I was approved for and used to purchase this new vehicle. I sent a letter ( doc # 1 ) to Synchrony Bank on XX/XX/XXXX, explaining that I did not apply for this credit card and asked that they have this hard credit inquiry removed from my credit reports since I did not apply for this credit card. In this letter I further explained that several other credit cards and auto loans that I did not apply for has appeared on my credit reports. I received a response dated XXXX ( doc # 2 ) explaining that I applied for a TJX account on XX/XX/XXXX I never applied for a TJX account and there is no TJX account appearing on my credit reports. This letter has nothing to do with the inquiry dated XX/XX/XXXX. On XX/XX/XXXX I replied ( doc # 3 ) explaining their mistake looking into something altogether different having nothing to do with this inquiry dated XX/XX/XXXX. I received a response again from synchrony bank dated XXXX ( doc # 4 ) this time telling me that the info supplied matches the credit bureau file XXXX Again, this letter is useless because it doesnt explain what there are talking about. I replied again on XX/XX/XXXX ( doc # 5 ) again explaining their mistake into looking into the wrong credit inquiry and further explaining that 16 credit Inquiries appeared on my credit reports from applications that I had nothing to do with. With no response I again wrote to Synchrony Bank on XX/XX/XXXX ( doc # 6 ) further explaining the seriousness of this situation offering them more information about all the other financial institutions involved and that it has been determined my most all of them that Im a victim of credit fraud and identity theft. Once again Synchrony Bank completely ignored my letters and my request to have these credit inquiries removed from my credit reports. I have included copies of letters ( docs XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ). from other financial institutions that did looking into this case of credit fraud and identity theft and as you will read, they all investigated and found the result to be credit fraud and identity theft. They all have also contacted the credit bureaus and had these hard credit inquiries removed. 
Synchrony Bank did not properly investigate this matter, did nothing to correct this and is now ignoring my letters. 
I have included copies ( doc # XXXX, XXXX and XXXX ) of the inquiry pages of my XXXX credit report, my XXXX credit report and my XXXX credit report. My XXXX credit report is reporting two inquiries on the same day for the same fraudulent application. This is also incorrect to have two inquiries on the same day for the same application. 
These credit inquiries are having a negative effect on my loan applications, my acquisition of credit, my credit history and my credit scores. Synchrony Bank is not doing anything to correct this matter and since they requested my credit report without my permission, they are required to have these inquiries removed from my credit reports.

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