Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have numerous things on my credit file that isn't mine including an XXXX XXXX report I've never been in the XXXX so how is this possible for not being immediately removed. Also this collection agency reopened a case that was closed after I disputed it too many times to count for over several years, and then keeps reselling it to different collection agency. I have sent proof in XXXX or XXXX of different police reports of identity theft and not sure why it's still not there. I have also been cleared of collections after direct contact with a consumer with proof of identity theft and one of the collectors is the same collection agency contacting me again after I received a letter they would not contact me again. And now that they have my actual address and phone number, I'm being harassed I also know of a law that once was present that if a company keeps selling off a debt not paid that their insurance pays for it. How many years and times are they allowed to collect from their insurance? Wouldn't it be fraud to keep collecting from their insurance as many times I have disputed this? I also know of a distant cousin I've never met in person but know of with the same name as me, as many others in our family line named after a great great Aunt but born a year early than I was in XXXX, that I have had an issue with pharmacies trying to give me her medication and I would half to argue isn't mine. And they would ask if I was born in XXXX, and half to state no I was born in XXXX! That lives in XXXX XXXX, mo. I also know my great aunt I'm named after lives in XXXX XXXX, Ark or near XXXX XXXX, she was born in the XXXX, and if I'm correct in XXXX, but I would half to check her profile to see. 
I have also noticed even recently my phone acts like it has something wrong with it and my email has been getting notifications that I've applied for some credit places I've never heard of before or seen before and I'm seeing them on my credit report. And that I've been paid a check once from an employer? It doesn't give details, but from where?? I haven't been paid in awhile. And the only XXXX card I have ever had was in the XXXX in the last name as XXXX, and it went through bankruptcy in XXXX. How can they reopen that if a judge signed it off in bankruptcy, if this is the card they are referring to?? I can't remember the lawyers name that I had, but they were across the street from XXXX XXXX XXXX in XXXX. Isn't that against the law also? To reopen a debt that was signed off by a bankruptcy judge??? I think a lot of these collection agencies need investigated and some of these credit card companies when there is proof of identity theft, and apparently after a year the person and group of people that stole my purse XXXX XXXX has decided to commit fraud again. And XXXX of those people even called in stating she owned the shoe department that I never got my money back from when they decided to buy shoes to return and because I went to the store and made them check their cameras if I was in their store when the theft was done using my card to purchase the shoes. In the man who sold them said he thought it was odd she had XXXX purses and dumped it in the floor to find a card she could use before the bank had the chance to close my card while I was on the phone with the bank when they used it and I was getting the text alerts everywhere they went to use my cards. As they went to XXXX to use my XXXX card for {$1.00} at gas station and realized they weren't able to use it. But managed a year later somehow to open a new card in another name I would not ever use, while I had my card, until I noticed it. Called XXXX XXXXXXXX and when they realized it was fraud they closed that card where they couldn't keep using it. Social security number on my credit file and phone numbers that weren't mine. I'm also getting a XXXX XXXX collection now from this same collection agency that I'm unaware of! I am a prepaid customer until I signed on with XXXX and now that XXXX XXXX XXXX im with XXXX. I tried XXXX XXXX but paid the phone off and returned the router because they kept letting someone else use my identity to buy some kind of devices I have never received ever at an address I never lived at before, also in a whole different county in a different state all that this was taken place. I can't be in four or five different places at once. The XXXX said that this would take time to resolve, but this has gotten ridiculous. And I have seen my score of XXXX plunge to XXXX after asking the credit score place to speak on my behalf because I was tired of repeating myself and getting nowhere. I have asked to be repaid for the identity theft and how it has affected our life. Even with my children 's identity. And that's when it starts to get silent for a very short period. I'm asking for help to get paid for the identity theft and the mix ups of someone else as how it has effected us. I also have noticed when I went to get title to my XXXX that they said I had another XXXX?? Since when do I own two vehicles at same time? And I have noticed other issues.. And most of this revolves around this collection agency and two cellphone companies I have never had, except for a month with XXXX XXXX and then paid it off and we t back to prepaid, and the main reason of trying them, is to see where these devices I never received was opened up at. In which they said they couldn't tell me anything but that it was bought in or near XXXX XXXX, mo and that I would half to talk to them in person since I couldn't verify the security check with that account. I am asking compensation for my trouble and how it's impacted my score and how much it's costing me in security deposits, insurance. And how I'm being harassed now??

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