Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
This Dispute was Brought to my Attention in XXXX XXXX Account number SYNCB/JCPENNEY XXXX XXXX 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( A ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Opt- Out law - 15 U.S. Code 6508- That law clearly states that you have the right to Opt-out of anything that's on My credit report XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 U.S code 1681b - permissible purpose of consumer reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( the Company /SYNCB/DC has not had My Written consent to report any impact on my consumer report file ) They Do not have my Written Permission to report.

15 usc 6805 - Enforcement Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless Subsection ( B ) - C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

( I am now exercising my right to opt out of reporting. ) Per- The FCRA as A federally Protected Consumer, I am Now Opting Out From any and all Authorization That ( I ) the consumer, May have given you Written, unwritten, verbal, non-verbal Per -15 usc 6802.

Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974.

5 usc 522a states It is Illegal to share My SSN with non-Governmental Agencies. 
I was Apart of the " DATA BREACH '', By right I have the right to make sure that I have accurate information on my consumer report & That needs to be removed. 
I am writing to formally dispute the information reported on my credit file, as I believe it violates my rights under various statutes, including 15 U.S.C. 1681, 15 U.S.C. 1666 ( b ), 15 U.S.C. 1666 ( d ), and Public Law 96-221 Firstly, I want to emphasize that I have never given written consent for the furnishing or obtaining of my information. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, consumers have the right to dispute inaccurate information in their credit reports. Additionally, 15 U.S.C. 1666 ( b ) and 1666 ( d ) provide further protections regarding the reporting of consumer credit information, ensuring that creditors do not report negative information without proper authorization Furthermore, the reporting of late payments on my credit report is not only inaccurate but also a violation of my rights. I have not received any notification or documentation from the creditor regarding these late payments, nor have I been given an opportunity to address any discrepancies. 
I kindly request that you investigate this matter and remove any & ALL closed accounts & inaccurate information from my credit report. Please provide me with written confirmation of the results of your investigation, as well as a copy of my updated credit report once the corrections have been made. 
Thank you for your attention to this matter. I look forward to your prompt response Sincerely, ( Important Definitions ) - The term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph This includes consumer reports.

Account Means : A Written list of Transactions, noting MONEY Owed and money paid; Statement of mutual demands Arising out of a contract or a fiduciary relationship.

Account can simply list payments, losses, Sales, Debits, Credits, and other transitions, or it may further and show a balance or the results of companies opposite transaction, like purchase and sale.

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