Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
On XX/XX/XXXX a fraudulent enquiry was made using my name and SS # with SYNBC/PAYPAL, for which a few alerts were forwarded to me by XXXX, XXXX XXXX, XXXX XXXX to mention just a few. Immediately upon receiving the alerts I contacted XXXX to establish the source of the enquiry. They supplied me with the company name and telephone number accompanying the fraudulent enquiry. I then immediately contacted Synchrony Bank/Paypal and advised them that the enquiry had not been made by me, and clearly it was fraud. At that time, I was informed that the account was being blocked as we spoke, and that an investigation into the incident was being put in motion. Within some three weeks, I received a letter from Synchrony Bank advising me that the investigation had been completed, and that as a result of a fraudulent enquiry /I.D. theft, they had already forwarded instructions to all three Credit Bureaus to immediately delete/rectify my credit report to not show this enquiry under my name. Both XXXX as well as XXXX were highly efficient in conforming with the instruction by Synchrony Bank to have the said enquiry deleted off my records. XXXX, in the meantime, have refused to correct it despite the umpteenth phone calls to them regarding the matter, as well as the disputes I started to try and have it resolved. We are now at the end of XX/XX/XXXX, over a year since the fraudulent enquiry was made on XX/XX/XXXX. My phone records will show and prove the number of times I have called both XXXX   Fraud department as well as Synchrony Bank 's. Synchrony Bank informed me that they have records showing the numerous requests forwarded to XXXX to  immediately correct my credit report, yet XXXX  blame Synchrony Bank that such instruction has not been received. Bearing in mind that XXXX  and XXXX   promptly and timely deleted/corrected my report regarding the fraud incident, it is more than obvious that XXXX  are playing a game with this matter. I am completely 'OCD ' over finances and in my seventeen ( 17 ) years in America , I  have not EVER missed a payment, or been late withy one. My last valid enquiry was made on XX/XX/XXXX shortly after purchasing a new home and when I began renovating my home by applying for a 0 % finance on a card over a period of time. I am a highly responsible and trustworthy person, making sure to ALWAYS keep on top of my finances. Being a XXXX survivor as well, and trying to keep my stress levels to a minimum, I will not allow XXXX nor Synchrony Bank for that matter to destroy my health over something which should have long been resolved. I have filed a Police Report on XX/XX/XXXX which together with this report will be the basis of a law suit against both XXXX and Synchrony Bank for wrongful treatment, pain and suffering. I will no longer allow this situation to continue, being bounced back and forth between the two companies, each one pointing fingers at the other. I consider this matter to be extremely serious, and under no circumstances will this level of inefficiency by both parties be tolerated any longer. I am hereby giving XXXX and Synchrony Bank to have my report corrected by XX/XX/XXXX accompanied by a written notification from both confirming it being done, with an updated credit report no longer showing the fraudulent hard enquiry dated XX/XX/XXXX, failing which legal action will be instituted against both companies. 
I trust that this complaint report will assist many other people who may have had similar experiences with XXXXx, by bringing their complaints forward and onto the public awareness. XXXX is a most corrupt and inefficient business and should not be permitted to be in business. It's time that this company finally is made accountable for their never ending serious issues with consumers. Thank you.

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