Consumer complaint received 2024-08-11 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: NJ

Complaint narrative:
Fact, affiant is aware and has proof, Exhibit XXXX that XXXX XXXX Synchrony Bank/PayPal Credit, XXXX XXXX XXXX XXXX XXXX XXXX knowingly and willfully violated 15 U.S. Code 6821 ( a ) ( 1 ) by making a false statement that they must report a consumer credit transaction to various consumer reporting agencies and reporting nonpublic information to various consumer reporting agencies that were derived from the consumer credit transactions initiated with XXXX XXXX Synchrony Bank/PayPal Credit , XXXX XXXX XXXX XXXX XXXX XXXX Fact, affiant is aware , and has proof, Exhibit M, that XXXX XXXX Synchrony BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX knowingly and willfully violated 15 U.S. Code 6821 ( a ) ( 2 ) by stating they can share information regarding my consumer credit transaction to consumer reporting agencies. 

Fact, affiant is aware, and has proof, XXXX XXXX XXXX XXXX  that XXXX XXXX Synchrony Bank/PayPal Credit , XXXX XXXX XXXX XXXX XXXXXXXX XXXX knowingly and willfully violated 15 U.S. Code 6821 ( a ) ( XXXX ) by providing information to financial institutions such as XXXX, XXXX and XXXX that contains false, fictitious and fraudulent statements or representations. 

Fact, affiant is aware, and has proof, XXXX XXXX  XXXX XXXX Synchrony Bank/PayPal Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and willfully violated 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) due to the fact that the affiant was not given the opportunity to direct that my nonpublic personal information not be disclosed to nonaffiliated third parties before the nonpublic personal information was initially disclosed. 


Fact, affiant is aware, and has proof, XXXX XXXX XXXX XXXX XXXXXXXX XXXXPayPal Credit , XXXX XXXX XXXX XXXX XXXX XXXX knowingly and willfully violated 15 U.S. Code 6802 ( b ) ( 1 ) ( C ) by not providing me with an explanation of how to exercise my nondisclosure option. 

Fact, affiant is aware, and has proof, Exhibit M, XXXX XXXX Synchrony Bank/PayPal Credit XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX knowingly and willfully committed a crime by violating 18 U.S. Code 1001 ( a ) ( 2 ) by stating they can share information regarding my consumer credit transaction to consumer reporting agencies. 

Fact, affiant is aware, and has proof, Exhibit G and H, XXXX XXXX XXXXynchrony Bank/PayPal Credit , XXXX XXXX XXXX XXXX XXXX XXXX knowingly and willfully committed a crime by violating 18 U.S. Code 1001 ( a ) ( 3 ) by providing information to financial institutions such as XXXX, XXXX and XXXX that contains false, fictitious and fraudulent statements or representations. 

Fact, affiant is aware that, XXXX XXXX, Synchrony Bank/PayPal Credit XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX has at least 20 violations of title 15 U.S. Code 1692.

Fact, pursuant to 15 U.S. Code 1692k ( a ) ( XXXX ) ( A ) affiant 's additional damages are {$1000.00} USD for each false and misleading statement and {$1000.00} USD per word written in fraudulent/abusive language Fact, affiant is aware that XXXX XXXX XXXX Synchrony Bank/PayPal Credit XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated 20 different statutes under title containing over 120 fraudulent/abusive LANGUAGE & STATEMENTS 15 U.S. Code 1692 totaling the damages for all violations at {$120000.00}

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