Consumer complaint received 2023-08-27 00:00:00
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
State: GA

Complaint narrative:
Be it known that I am compelled to address a grave concern that has arisen with regard to my consumer report. It hath come to my attention that certain information contained therein hath been brought forth through the nefarious machinations of identity theft, a plight most foul. Verily, I declare with unwavering conviction that I did not grant my written assent nor did I impart any instruction for the transactions in question to be inscribed upon my said consumer report. I trust this message finds you well. I am addressing a matter of utmost concern regarding unauthorized information present in my records. It has come to my attention that certain events have transpired, which I shall now describe, that require your immediate attention and action. To provide context, I wish to highlight that I did not grant any form of consent for the reported information to be included in my records. Furthermore, it is essential to note that there is no SSA-89 on file associated with these reported incidents. Given the gravity of the situation, I am left with no choice but to insist on the immediate blockage and removal of this unauthorized information from my records. I want to underscore that my consent was never given for the inclusion of this information, and the absence of an SSA-89 further confirms the unapproved nature of these entries. My request for blockage and removal is based on the ISUS code 1681, which I believe outlines the rights and protections afforded to consumers like myself in such situations. In light of the above, I kindly implore your urgent attention to this matter. Please take the necessary steps to rectify this issue promptly. I seek a resolution that ensures the unauthorized information is expunged from my records, in alignment with my rights as a consumer. I eagerly anticipate your response and the subsequent actions taken to address this concern. Thank you for your prompt attention and cooperation. With all due respect, I do beseech thee to expeditiously execute the blocking and expunction of the aforementioned information from my consumer report, with immediate effect. Know ye that this entreaty is conceived in earnest and free from any manner of misjudgment or error upon mine own part. Moreover, I solemnly affirm that this request is not grounded upon any distortion of fact, pertaining to the entreaty for the inhibition of the aforesaid transactions. Be it so acknowledged, the transactions in query bear no relation to any personal actions undertaken by mine own hand as the consumer. I therefore humbly entreat thee to heed my call and without delay enact the prevention of the dissemination of these transactions upon my consumer report. 

XXXX XXXX XXXX XXXXXX/XX/2023 Furthermore, I beseech thee to provide substantiation of the alleged delivery of goods, for I avow that I received no such goods, nor did I partake in any essence of retrieval thereof. My stance on this matter is steadfast, and I anticipate and indeed expect that these measures shall be executed within the span of four days from the instant of the reception of this formal missive, in accordance with the dictates of the law. In fervent anticipation, I await thine elucidation on this most pressing matter. For your consideration and cooperation, I extend my gratitude. In good faith.

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