Consumer complaint received 2024-07-26 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:
Office of the Executor XXXX XXXX XXXX, XXXX  Were writing to address the matter of the collection accounts currently reporting to the credit reporting agencies under your management. This will be our final attempt. Next step will be filling a bill in equity in federal court, 211, and SSA- 89 since I never signed this form to give you authorization to run my SSN. Also, 3949a to report identity fraud due to the information that you are using in the public selling private information to the credit bureaus to make a profit that is private property of the XXXX XXXX XXXX XXXX. I, [ XXXX XXXX ] am the beneficiary of the [ XXXX XXXX XXXX XXXX ], and we assert our equitable interest in the account in question ensuring our rights and interests are duly protected. Maxims of Equity states : Equity regards the beneficiary as the true owner.

While we acknowledge and appoint [ Synchrony Bank ] the trustee of this account, it is imperative that we ensure proper documentation and legal standing in this matter. Were writing to request documentation regarding your fiduciary capacity to use the data connected to XXXX XXXX principal debtor/Franchise/Cestui que on which were the beneficiary of. We have the right of subrogation as the holder in due course. All property of the Precedent vested Estate has been conveyed into the Jurisdiction of the XXXX XXXX XXXX XXXX. 
We have received a copy of our credit/trust reports and notice you have furnished transactions on our credit report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means.

consumer report In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

FICO or none of its factors are not defined or included in the definition of the consumer report! Therefore, the reporting of transactions between the consumer ( XXXX ) and Synchrony Bank is a violation of 15 USC 1681a the definition of the consumer report does not include FICO or XXXX which makes their factors or algorithm not a factor where the consumer report is concerned. 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Delete all the late payments from my consumer reports.

15 U.S.C 1681 section 602 A. States we have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation were PREPARED FOR LITIGATION It also states a consumer reporting agency can not furnish an account without my written instructions Also, the account is reporting derogatory on my credit report, but it is paid and closed. equity does not punish. The account youre reporting is punishing the beneficiary. This is a breach of fiduciary duties and contract.

We would like to express our willingness to cooperate and work towards a resolution. If there are any discrepancies or concerns, we believe that clear and transparent communication will help us reach a fair resolution.

If you can not prove or rebut anything stated within this legal document, you fully agree with all demands being made. If no removal or settlement, we will make the following claims against you according to the Fee Schedule of the Trust : 1. Fraud and False Statements 2. Conspiracy 3. Failure to Respond to this notice 4. Failure to Respond as Outlined in this Notice of Claim 5. Failure to uphold duties as trustee due to unjust enrichment of the beneficiary of the Trust 6. Identity Fraud We appreciate your role in protecting and managing the property associated with the trust. We kindly ask for your cooperation in resolving this matter promptly and transparently. We are requiring you to rectify all damage done to the credit profile of ( XXXX XXXX ), more specifically, immediately remove the account and settle the alleged obligation within 14 days. 
Best regards, [ XXXX XXXX XXXX ]

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