Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
CFPB COMPLAINT AGAINST XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT ), XXXXXXXX XXXX, PXXXX XXXX XXXX XXXX Consumer Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Account Ending : XXXX CFPB Case ID ( if applicable ) : XXXX Nature of the Complaint : This complaint is filed against Synchrony Bank regarding their continued reporting of an account opened under an incorrect and unauthorized namedespite full documentation, police reports, and FTC filings proving the information was erroneous and damaging. 



Timeline and Background : On XX/XX/XXXX, I reviewed my three-bureau credit report and discovered an incorrect name attached to my JCPenney/Synchrony Bank credit card account . The account was reporting my middle name as my last name, which is not my legal name and never has been. 

Upon tracing the origin, I found that this error stemmed from the JCPenney/Synchrony account, and the same false name had been transmitted to Experian, Equifax, and TransUnion. 

I contacted Synchrony Bank on XX/XX/XXXX, to request a correction. Instead of acknowledging the clear internal error, Synchrony forced me to submit an identity theft claim. They opened case # XXXX but failed to take any action for over XXXX days. 

I also filed disputes with all three credit bureaus on XX/XX/XXXX, and provided official documentation that my identity had been compromised on multiple occasions, including : Police Reports filed in XXXX A valid FTC Identity Theft Report Timestamped emails showing when the FTC report was submitted These documents were sent to the bureaus before and during my dispute with Synchrony. Despite this, no bureau removed or corrected the false reporting, nor did Synchrony take corrective action. 



Synchronys Response Confirms Their Error : In a written response dated XX/XX/XXXX, Synchrony Bank admitted that the application submitted in-store on XX/XX/XXXX, used the wrong namestating that my middle name was entered as my last name. They then falsely claimed they were accurately reporting the account to the credit bureaus, even though they acknowledge the application was submitted under incorrect credentials.

This contradicts both the FCRAs maximum possible accuracy requirement and the basic principle of data integrity under federal law.

Violations Committed by Synchrony Bank : 1. FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information with actual knowledge of errors.

2. FCRA 623 ( a ) ( 2 ) : Failing to promptly correct known inaccurate information.

3. FCRA 623 ( a ) ( 3 ) : Failing to report the account as disputed.

4. FCRA 611 ( a ) : Disregarding my right to dispute and failing to conduct a reasonable investigation.

5. FCRA 605B : Failing to block identity theft-related items after proper documentation was provided.

6. FCRA 607 ( b ) : Reporting inaccurate data to consumer reporting agencies.

7. CFPB Bulletin 2014-01 : Violating CFPBs clear guidance that inaccurate or unverifiable data must not be reported.

8. FDCPA 807 ( 8 ) : Using deceptive practices in the reporting of consumer debt under incorrect identifiers.

Harm and Damages : My credit score dropped by XXXX points due to this false data and repeated dispute remarks being added and removed inconsistently. 
I experienced reputational damage, loss of credit opportunities, and unnecessary emotional distress from prolonged disputes. 
I was forced to resubmit identification, police reports, and federal documentation multiple times with no resolution. 



What I Am Requesting : XXXX. Immediate deletion of the JCPenney/Synchrony Bank account from all credit bureaus ( XXXX XXXX XXXX XXXX ) XXXX Also the removal of all noted accounts raised to the FTC. XXXX, XXXX and Possible Finance. 
XXXX. Full investigation into XXXX pattern of negligence and failure to correct known errors. 
XXXX. Enforcement action and penalties under the Fair Credit Reporting Act and CFPB regulations. 
XXXX. Written confirmation that this inaccurate account will be permanently removed. 



Attached Evidence : XX/XX/XXXX response letter from XXXX Bank admitting the name error Copy of my Government-issued ID showing my legal name XXXX Police Reports Most recent FTC Identity Theft Report Timestamped emails showing original FTC filing dates All correspondence with Synchrony and the credit bureaus Legal Warning : If this complaint is not resolved within 30 days, I intend to file a civil lawsuit under 15 U.S.C. 1681n and 1681o for both negligent and willful violations of the Fair Credit Reporting Act, and seek statutory, actual, and punitive damages. 

Sincerely, 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 explanation