Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (VA)

Dear SyncbXXXX XXXX XXXX  ( Bank ), I have composed this complaint based on Syncb/XXXX  XXXX XXXX  ( Bank ) furnishing information that is tarnishing my creditworthiness, emphasizing the necessity for both parties to operate in good faith. I have operated in good faith and will continue to do so. I expect Syncb/XXXX  XXXX XXXX ( Bank ) to demonstrate the same courtesy. Im going to take the time to educate Syncb/XXXX XXXX XXXX ( Bank ) on consumer laws since Syncb/XXXX XXXX XXXX  ( Bank ) claims that upon opening an investigation, Syncb/XXXX XXXX XXXX ( Bank ) could not find any proof of laws being violated. 

According to 15 USC 1681a ( f ), the term consumer reporting agency means any person who, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and who uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Did you catch the part about engaging in whole or in part? I sure did. By the federal definition I have kindly provided, SyncbXXXX XXXX XXXX ( Bank ) is a consumer reporting agency furnishing my consumer information to third parties, including XXXX, XXXX, and XXXX, which are also consumer reporting agencies. XXXX, XXXX, and XXXX are third parties due to the simple fact that they are separate entities from I the consumer and Syncb/XXXX XXXX XXXX ( Bank ). 

Furthermore, since Syncb/XXXX XXXX XXXX ( Bank ) is federally categorized as a credit reporting agency under 15 USC 1681a ( f ), my written instructions as the consumer must be followed without further delay. The written instructions of the consumer trump all forms of permissible purpose. Let me reiterate, I am invoking my rights under 15 USC 1681b ( a ) ( 2 ). I am giving clear instructions to SyncbXXXX XXXX XXXX ( Bank ) to delete its inquiry from my consumer report. Furthermore, now that I have educated SyncbXXXX XXXX XXXX ( Bank ) on its proper legal role as a consumer reporting agency under 15 USC 1681i ( a ) ( 1 ) ( a ), SyncbXXXX XXXX XXXX  ( Bank ) has to launch an investigation into my dispute and disclose the results of the investigation no later than XXXX  days from receipt of this complaint. Failure to launch an investigation and follow my written instruction will be willful non-compliance under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), and under this provision, I am entitled to {$1000.00} per violation. Needless to say, SyncbXXXX XXXX XXXX ( Bank ) has racked up quite a few violations. I expect my written instructions to be followed immediately! I am fed up with SyncbXXXX XXXX XXXX ( Bank ) s actions that are directly affecting my reputation and creditworthiness. Let me remind Syncb/XXXX  XXXX XXXX ( Bank ) that we are communicating through a government agency website. Please keep in mind what I said earlier about operating in good faith.