Consumer complaint received 2025-05-13 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: LA

Complaint narrative:
Identity Theft and Failure to Comply with Federal Credit Reporting Laws I am a victim of identity theft, directly resulting from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ], I discovered multiple fraudulent accounts and inquiries on my credit reports from XXXX XXXX XXXX XXXX that I did not authorize or open. These accounts are directly tied to my compromised personal information. 
Despite my repeated efforts to resolve this issue, the credit reporting agencies ( CRAs ) have failed to investigate and remove the fraudulent items, violating multiple federal statutes, including : 1. 15 U.S.C. 1681c-2 Failure to block fraudulent information within 4 business days of receiving my dispute and supporting documentation.

2. 15 U.S.C. 1681b Unauthorized sharing of my personal and financial information without permissible purpose.

3. 15 U.S.C. 1692g Failure to provide written notice of alleged debts within 5 days of reporting.

4. 15 U.S.C. 1681n and 1681o Willful and negligent non-compliance with the Fair Credit Reporting Act ( FCRA ).

5. 26 U.S.C. 6050P Failure to provide proper validation of any alleged debt, including evidence of cancellation or discharge via Form 1099-C, if applicable. 


Fraudulent Accounts in Dispute : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/LOWES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Type : Credit CardStatus : Fraudulent Harm Experienced : The fraudulent reporting of these accounts has caused significant harm to my financial reputation, including : XXXX. Denials of credit applications. 
XXXX. Damage to my credit score. 
XXXX. Emotional distress caused by repeated failures of CRAs to address the issue. 


Actions Taken to Protect Myself : XXXX. Filed Multiple Identity Theft Reportswith the FTC. 
o FTC Identity Theft Report Number : XXXX XXXX. Notified the creditor ( LENDERS ) and initiated a fraud investigation. 
XXXX. Placed fraud alerts and frozen my credit reports with all three major credit bureaus. 
XXXX. Filed disputes with Experian, Equifax, and TransUnion. 
XXXX. Currently in the process of filing a police report. 


Relief Requested : 1. Immediate Removal of Fraudulent Accounts and Inquiries : I request the immediate deletion of all fraudulent accounts and inquiries from my credit reports.

2. Corrected Credit Reports : I request updated copies of my credit reports reflecting the removal of fraudulent items.

3. Compliance with Federal Law : I demand the credit reporting agencies adhere to their legal obligations under 15 U.S.C. 1681c-2, 1681b, and 6050P by providing proper validation and removing any unverified accounts.

4. Written Confirmation : I request written confirmation of all actions taken regarding this complaint.

Supporting Documentation : 1. Copy of Government-Issued ID.

2. FTC Identity Theft Report.

3. Highlighted Credit Reports Showing Fraudulent Accounts.

4. Correspondence with the Creditor and Relevant Parties.

I look forward to a prompt resolution of this matter. Failure to address these issues adequately may result in further legal action, including filing complaints with the Attorney Generals Office and pursuing statutory damages. 
Sincerely, XXXX 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