Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Never gave Amazon consent to pull my credit. Heres a few Violations Amazon committed against me *Federal Laws : * 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq.

2. Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m *Regulations : * 1. Consumer Financial Protection Bureau ( CFPB ) - 12 CFR 1002 2. Federal Trade Commission ( FTC ) - 16 CFR 600 *Hard Inquiry Rules : * 1. Permissible Purpose Rule ( FCRA 604 ) : Companies must have a legitimate purpose to inquire about your credit.

2. Authorization Requirement ( FCRA 604 ( a ) ( 2 ) ) : Companies must obtain your consent before pulling your credit report.

*Acceptable Hard Inquiry Purposes : * 1. Credit applications 2. Employment screening ( with written consent ) 3. Insurance underwriting 4. Credit account reviews *Time Limits : * 1. Hard inquiries remain on credit reports for 2 years ( FCRA 605 ( c ) ( 1 ) ).

2. Multiple inquiries for same purpose within 14-45 days are typically combined into one ( FCRA 604 ( a ) ( 3 ) ).

*Consumer Rights : * 1. Right to dispute inaccurate inquiries ( FCRA 611 ).

2. Right to request inquiry removal ( FCRA 612 ).

*Penalties for Non-Compliance : * 1. Civil liability ( FCRA 616 ).

2. FTC enforcement actions.

Relevant US Codes : - 15 U.S.C. 1681 ( FCRA ) - 15 U.S.C. 1681m ( FACTA ) - 12 CFR 1002 ( CFPB ) - 16 CFR 600 ( FTC ) Now that they pull my credit and denial me of credit service when I have a right according to Here are relevant US codes and guidelines regarding denial of credit : Federal Laws : 1. Equal Credit Opportunity Act ( ECOA ) - 15 U.S.C. 1691 et seq.

2. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq.

Regulations : 1. Consumer Financial Protection Bureau ( CFPB ) - 12 CFR 1002 2. Federal Reserve System - 12 CFR 202 3. Federal Trade Commission ( FTC ) - 16 CFR 600 Denial of Credit Rules : 1. Adverse Action Notice Rule ( ECOA 701 ) : Creditors must provide written notice of denial.

2. Discrimination Prohibition ( ECOA 702 ) : Credit decisions can not discriminate based on : - Race - Color - Religion - National origin - Sex - Marital status - Age ( provided applicant has capacity to enter binding contract ) 3. Credit Reporting Requirements ( FCRA 615 ) : Creditors must report accurate info.

Notice Requirements : 1. Reason ( s ) for denial ( ECOA 701 ( a ) ) 2. Credit score disclosure ( FCRA 609 ) 3. Credit reporting agency contact info ( FCRA 609 ) Consumer Rights : 1. Right to request credit score disclosure ( FCRA 609 ) 2. Right to dispute credit reporting errors ( FCRA 611 ) 3. Right to sue creditor for discrimination ( ECOA 706 ) Penalties for Non-Compliance : 1. Civil liability ( ECOA 706 ) 2. FTC enforcement actions 3. CFPB enforcement actions Relevant US Codes : - 15 U.S.C. 1691 ( ECOA ) - 15 U.S.C. 1681 ( FCRA ) - 12 CFR 1002 ( CFPB ) - 12 CFR 202 ( Federal Reserve ) - 16 CFR 600 ( FTC )

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