Consumer complaint received 2026-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Permissible Purpose Demand Letter Dispute of Unauthorized Hard Inquiries under FCRA XXXX ( XXXX U.S.C. XXXX ) + Permissible Purpose under FCRA XXXX ( XXXX XXXX. XXXX ) Date : XX/XX/XXXX My Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX To : Consumer Financial Protection Bureau ( CFPB ) Re : Unauthorized Credit Inquiry / Request for Permissible Purpose Documentation To Whom It May Concern, After reviewing my credit report, I noticed that your company placed a hard inquiry on my credit file. Creditor / Company : XXXX / INDIGO ( Bank ) Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XXXX ( Bank ) Date of Inquiry : XX/XX/XXXX Creditor / XXXX XXXX XXXX ( Finance ) Date of Inquiry : XX/XX/XXXX Creditor / Company : XXXX XXXX XXXX Home XXXX ) Date of Inquiry : XX/XX/XXXX I do not recall authorizing your company to access my consumer credit report. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, a company must have a permissible purpose before obtaining a consumer credit report. Permissible purposes typically include a credit application, account review, employment authorization, or another legally authorized transaction involving the consumer. Therefore, please provide the following documentation within XXXX days of receipt of this letter : XXXX. A copy of the original credit application or authorization bearing my signature. XXXX. Documentation showing the permissible purpose under which my credit report was accessed. XXXX. The date and method by which authorization was obtained. XXXX. The specific transaction or account relationship that justified accessing my credit report. If your company is unable to provide documentation demonstrating a permissible purpose under XXXX XXXX. XXXX, please immediately : Contact XXXX XXXX XXXX XXXX Request the removal of this inquiry from my credit file Dispute of Unauthorized Hard Inquiries under FCRA XXXX ( XXXX U.S.C. XXXX ) + Permissible Purpose under FCRA XXXX ( XXXX XXXX. XXXX ) Furthermore, I am disputing the following HARD INQUIRIES on my credit file as unauthorized. I did not apply for credit with these entities and did not authorize them to obtain my consumer report. DISPUTED HARD INQUIRIES ( UNAUTHORIZED ) : - XXXX OF XXXX Inquiry date XX/XX/XXXX - XXXX XXXX Inquiry date XX/XX/XXXX - FIRST CREDIT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX - JPMCB CARD Inquiry date XX/XX/XXXX - XXXX Inquiry date XX/XX/XXXX I am disputing the accuracy of information you are furnishing to consumer reporting agencies about an account that is appearing on my credit report but is not mine. FURNISHER / TRADELINE NAME : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX account. I did not open or authorize this account. I request that you : - Investigate and provide written validation that I opened/authorized this account, OR - If you can not validate that, instruct ALL consumer reporting agencies to which you furnished this data to DELETE/BLOCK the tradeline as inaccurate/identity theft. I request that you reinvestigate and DELETE any inquiry that can not be verified as having a permissible purpose. Additionally, after the investigation is complete, please send me : XXXX ) The results of the reinvestigation in writing, and XXXX ) Upon my request, a description of the procedure used to determine the accuracy and completeness of the disputed inquiries, including the business name/address of any party contacted and the telephone number if reasonably available ( FCRA XXXX ). Please provide written confirmation once the inquiry has been removed. If this inquiry was placed in error or without a permissible purpose, continued reporting of the inquiry may constitute a violation of the Fair Credit Reporting Act. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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