Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
This affidavit serves as my formal dispute regarding the accuracy, validity, and ownership of an alleged debt your organization has reported to my consumer file. I am not disputing that the account itself may exist ; rather, I am disputing your claim that I am the individual responsible for it. 

I am aware that errors, mixed files, and unauthorized usage of identifying information can occur. I have reason to believe this account may belong to another individual with a similar name, or it may have been created or used without my knowledge or consent by an individual or by the furnisher itself. 

Pursuant to my rights under the following federal laws : Fair Credit Reporting Act ( 15 USC 1681 et seq. ) Fair Debt Collection Practices Act ( 15 USC 1692 et seq. ) Truth in Lending Act ( 15 USC 1601 et seq. ) Equal Credit Opportunity Act ( 15 USC 1691 ) GrammLeachBliley Act ( 15 USC 68016802 ) I hereby request full validation and verification of the following account : Account Name : SYNCBXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Creditor : SYNCHRONY BANK XXXX XXXX : {$0.00} Status : Closed Unlawful Reporting & Cease and Desist Notice Your continued furnishing of this account to consumer reporting agencies violates FDCPA 1006.30 ( a ) and the updated Regulation F, effective XX/XX/2021. You are hereby instructed to Cease and Desist all reporting and dissemination of this alleged account immediately. 

You do not have a legally permissible purpose under 15 USC 1681b to report, share, or communicate my personal information to any third party without my explicit written authorization.

Potential Identity Theft Violation Your actions constitute possible violations of 18 USC 1028A Aggravated Identity Theft, as they involve the knowing use, possession, or transfer of my identifying information without lawful authority. This constitutes a federal felony punishable by imprisonment and civil liability. 

I do not acknowledge any responsibility for this alleged debt. I demand that all collection activity cease immediately, and that the inaccurate reporting be permanently deleted from all consumer reporting agencies. 

Damage Caused & Legal Duty to Correct Your inaccurate reporting has severely harmed my creditworthiness, reputation, and financial opportunities. Under 15 USC 1681s-2, furnishers are strictly prohibited from reporting information they knowor should knowto be inaccurate. 

I have now formally notified you of these inaccuracies. Therefore, you are legally obligated to correct or delete the erroneous information. 

I hereby demand that the above-referenced account be : Fully validated with admissible evidence, or Removed from every consumer report immediately. 

FCRA Compliance Requirements Under FCRA 611 ( a ) ( 1 ) ( A ), a reasonable investigation must be conducted upon receipt of a consumer dispute. Under FCRA 611 ( a ) ( 5 ) ( A ), any information that can not be verified must be promptly deleted.

Accordingly, I demand the following actions : 1 ) Immediate removal of the disputed account from my consumer file until proper validation is produced 2 ) Correction of any and all inaccuracies caused by this erroneous reporting XXXX ) Notification to all individuals or entities that received my consumer report within the past six months informing them of the corrections 4 ) Copies of all documents and evidence relied upon to verify the alleged account Failure to comply with these requirements may result in civil penalties under FCRA 616 ( 15 USC 1681n ) for willful noncompliance and FCRA 617 ( 15 USC 1681o ) for negligent noncompliance.

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