Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am hereby demanding that the CFPB enforce the federal laws as given the duty by congress. Synchrony bank is reporting experiences on my Credit transactions to non affiliate XXXX party which includes all XXXX credit agencies inaccurately reporting on my credit file. This is the XXXX attempt to resolve matters before taking legal actions at synchrony bank. According to federal law synchrony bank was required to properly give notice and opportunity for me the consumer to opt out of sharing my non public personal information to non affiliated XXXX parties. Synchrony bank has failed their duty to given proper notice as well as using information from a XXXX party without my written consent to make a determination in the closure of my Credit card. There is no proof that I have violated any rules or missed payments to warrant an account closure. I believe synchrony banks actions to be discriminatory and bias based on my knowledge of how the equal credit opportunity act works. Synchrony bank is in violation of securities fraud, equal credit opportunity act and privacy act violation. My non public personal information is being shared without my expressed consent. I am a federally protected consumer and synchrony bank and all XXXX credit agencies can be held civilly liable as stated by Congress. I have evoked my rights to privacy and hereby revoke and withdraw my consent for any and all power of attorney from any party known or unknown to me verbally or implied. Synchrony bank is currently furnishing personal experiences regarding my consumer transactions to non affiliated XXXX XXXX ( All XXXX credit agencies ) as to which I have opted out and have done so via XXXX complaints. I do know my written consent is required before furnishing such private information. Synchrony bank, XXXX, XXXX, and XXXX have failed the duty to follow federal laws and has not provided any proof that I have be properly noticed with the opportunity to opt out prior to my privacy rights being violated. I was never given a opportunity to opt out not given the required notices under federal consumer laws. I have been damaged by synchrony bank taking a adverse action violating the Equal credit opportunity act.I want remedy without delay. As I have stated before PER 15 usc 6802, 16 cfr 313, 317 F. Synchrony bank has a obligation to provide each consumer with proper notice on opting out of sharing non public personal Information to non affiliate XXXX parties. Which Congress has defined under title 15 of the US code. Synchrony bank and XXXX are Sharing my non public personal information without my consent. Per the fair credit reporting act as a federally protected consumer I am now opting out of any and all authorization i the consumer may have given you written unwritten verbal and non verbal per 15 usc 6802. Additionally, XXXX has provided inaccurate information to my credit file on which synchrony bank has taken a adverse action against my account by closing it without reasonable compensation for the usage of my securities which I understand according to synchrony bank XXXX filing with sec, synchrony bank is in fact XXXX out my account balance each month according to their prospectus ( pooling of my securities. Synchrony bank has breached their fiduciary obligation outline in their SEC XXXX filing. XXXX has violated my rights by sharing my non public personal information without out my written or express consent which resulted in my account being closed. I believed the information XXXX furnished to synchrony bank without my consent which is required by federal law is inaccurate which is a violation of the fair credit reporting act. Synchrony bank and XXXX operating together in violation which financial gain unbeknownst to me constitutes fraud and R.I.C.O. Per congress the Consumer Financial Protection Bureau has the responsibility to enforce the law. I will be seeking civil damages as favored under 15 usc 1681n. {$1000.00} per violation, which is for each time my credit information was shared and reported inaccurately. According to my records and the records of XXXX my credit score is well above XXXX which also Congress never enacted a law requiring a credit score for the usage of credit which is my Credit to begin with from your company using my securities! The equal credit opportunity act states that any denial which is part of a consumer transaction is discrimination. Which in fact I have evidence which was sent by synchrony bank who Also stated where my information was shared from, lacking my consent violation of my privacy rights that are federally protected. I do understand that the denial of access to my credit constitutes securities fraud which is enforced by the Security exchange commission and the comptroller of currency. I hereby demand that my credit file be updated by synchrony bank to all XXXX reporting agencies to paid as agreed immediately. All rights reserved

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