Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: MA

Complaint narrative:
To : XXXX XXXX XXXX I am a victim of identity theft. For over XXXX years, the credit reporting agencies and furnishers such as XXXX  XXXX  have suppressed my rights, transmitted fraudulent and manufactured accounts, and refused to honor the XXXX Block Mandate ( FACTA 605B, codified in 15 U.S.C. 1681c-2 ). 

On [ date ], I disputed the above-referenced XXXX XXXX account ( Acct. -- ). On XX/XX/XXXX, XXXX XXXX sent me a letter claiming they completed [ their ] investigation and that the account was valid, citing only that identification matched, the address matched, and a card was mailed. They provided no signed application, no contract, and no verifiable authorization bearing my name. This is not a reasonable investigation. 
-- - Federal Law Violations 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : A person shall not furnish any information if the person knows or has reasonable cause to believe that the information is inaccurate.

1681s-2 ( a ) ( 2 ) ( A ) : Furnishers must promptly correct or delete false or unverifiable data.

1681s-2 ( b ) ( 1 ) ( A ) - ( E ) : After notice of dispute, the furnisher must conduct a reasonable investigation and modify, delete, or block unverifiable information.

1681i ( a ) ( 5 ) ( A ) : If information is found inaccurate or can not be verified, it must be promptly deleted. 


XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : CRAs/furnishers must go beyond parroting records. 

XXXX v. XXXX & XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Furnishers are directly liable for unreasonable investigations. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Superficial reviews violate FCRA. 


XXXX XXXX letter is conclusory, not evidentiary. A card mailed to an address is not proof of consent or liability. Without a signed contract or verifiable proof, continued furnishing is the willful transmission of false, fraudulent, and unverified data. Each transmission to XXXX XXXX XXXX XXXX  is a fresh violation. 


-- - Massachusetts XXXX Violations XXXX. c. XXXX, XXXX : Requires reinvestigation and removal of erroneous or unverifiable information within XXXX business days, at no cost. 

XXXX. c. XXXX, XXXX : Requires disclosure of the nature of the information relied on when credit is denied or adversely affected. 

XXXX. c. XXXX, XXXX : Prohibits offering paid products to restrict access to credit files without also notifying consumers of their free rights ( relevant because XXXX XXXX and XXXX  repeatedly imposed freezes without consent ). 


Under these statutes, furnishers and XXXX  in Massachusetts must promptly correct or delete unverifiable data. XXXX XXXX has not complied. 


-- - Lack of Signature Evidence They have failed to produce any signed application, contract, or authorization establishing liability. Under federal and state law, this omission renders their verification invalid. Continuing to furnish without proof is both unlawful and deceptive.

Company response to consumer: Closed with non-monetary relief