Consumer complaint received 2017-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
XX/XX/2017 To : XXXX XXXX CC : All concerning parties Subject : Continuation of Consumer Finance Protection Bureau Complaint XXXX Thank you for your prompt response. I have disputed this account numerous times and advised the credit bureaus this was not my account. I have demanded validation of the debt many times and until your recent communication I had no clue of when this account was actually opened or the history of the account. I did not apply for this account. I did not authorize the opening of this account. I did not authorize any recorded payments to the account. I did not authorize any purchases made with this account. <P/>I have exhausted all avenues to resolve this account including approaching the suspected family member and demanding a payment be made to the account. I was informed by this family member that they indeed did pay the account in full and was shown a receipt of payment. Whether they paid the account in full, at this point is, no longer my concern. Time is not a luxury I can afford as this is a matter of urgency. <P/>I have attempted to file a police report for the fraudulent activity. After presenting your letter and explaining the situation to law enforcement I was advised pursuit of criminal charges is not possible due to the expiration of the statute of limitations for this kind of crime. I was advised this is a misdemeanor fraud which only provides the victim 4 years to report. Although I may not be able to pursue criminal prosecution, I would still like to resolve this in some fashion. Since you have already sold the debt, I did not authorize the opening of the account, and I have attempted to file a police report for this crime ; I would like to respectfully request you immediately remove this account from my credit file with all credit bureaus. <P/>I am the XXX of an XXXX XXXX and this fraudulent accounts existence on my credit report is hindering my ability to close a XXXX XXXX and earn a living. This acquisition would increase my annual revenue by $ XXXX. Every week this account remains on my credit reports it costs me {$3000.00}. Please be advised this letter is to notify you effective today, of the monetary damages this fraudulent entry is causing me. <P/>If I can not obtain your cooperation with the removal of this account from my credit file, I will have no option remaining except civil litigation for violations of the Fair Credit Reporting Act. I will seek all applicable statutory penalties and actual damages of the above mentioned loss in wages in the XXXX County Court. So the sooner we can resolve this issue the better for all parties involved. <P/>I have every intention of going forward with litigation within 10 days of your receipt of this final complaint, if I do not hear a response from your company. For legal purposes please refrain from contacting me via telephone. All correspondences regarding this matter shall be made in writing. You may contact me directly via email at XXXXXXXXXXXX or by mail at XXXX XXXX XXXX XXXX, NE XXXX or through the CFPB portal. For verification purposes I have included a copy of my drivers license. <P/>Thank you in advance for your cooperation and understanding, 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 non-monetary relief