Consumer complaint received 2024-11-14 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: GA

Complaint narrative:
I am writing to demand the immediate cessation of all unauthorized disclosures and activities related to my personal information, including transaction history shared with XXXX XXXX XXXX or XXXX XXXX. These actions have been conducted without my explicit consent and constitute violations of my rights as a federally protected consumer under various laws, including the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act, and the Privacy Act. 

I am issuing the following STOP ORDER and demands for action, effective immediately : Immediate Cessation of Data Sharing : All sharing, reporting, or dissemination of my personal information to third parties, including XXXX XXXX XXXX, XXXX XXXX, or other similar agencies, must immediately cease. This includes the unauthorized reporting of any transaction history or personal data. 

Opt-Out Notification : In accordance with 15 USC 6508 , I am exercising my legal right to OPT OUT of any and all disclosures of my personal information. I withdraw any and all previous authorizationswhether written, verbal, implied, or non-verbalunder the following laws : 15 USC 6802 ( Gramm-Leach-Bliley Act ) Preventing the further disclosure of my non-public personal information.

12 CFR 1016.7 ( a ) ( 1 ) ( ii ) ( FCRA ) I formally revoke any previous consent, whether expressed or implied, for the use or disclosure of my data by your organization.

Revocation of Consent : I fully revoke any and all prior written, unwritten, verbal, or non-verbal authorizations provided to your organization for the disclosure of my personal information, effective immediately.

Social Security Number Protection : In accordance with 5 USC 522a ( Privacy Act ), my Social Security number must not be disclosed to any third parties except for federal agencies as required by law. Any unauthorized disclosures are strictly prohibited and must be corrected immediately. 

Removal of All Inquiries : As per 17 CFR 424, I demand that all inquiries related to my personal information be removed from your records and from any third-party reporting systems, including credit agencies, within 10 business days.

Inaccurate Reporting : Under the Fair Credit Reporting Act ( 15 USC 1681 ) and 16 CFR 313.6 & 313.7, I dispute any inaccurate or unauthorized reports regarding my personal information. All errors must be corrected and removed immediately. 

Interest Payments from Account Trading : Additionally, I require that all interest payments generated from the trading or use of my account be immediately directed back to me. These payments belong to me, and failure to return these funds may trigger a securitization audit. Such an audit could result in IRS scrutiny and potential legal consequences for all involved parties. I expect full transparency regarding any funds accrued through trading activity associated with my account. 

This letter serves as my final notice to demand full compliance with the actions outlined above. Failure to immediately halt the unauthorized sharing of my data and direct all relevant interest payments to me will result in further legal action, including the filing of complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and other appropriate agencies. Additionally, failure to return the interest payments as requested will trigger a securitization audit, which could involve IRS investigation. 

This STOP ORDER and Opt-Out Authorization is effective immediately and will remain in effect indefinitely. 

I expect a written confirmation of your compliance with this request within required response time by law from the date of this notice. If I do not receive a satisfactory response, I will pursue all available legal remedies to protect my rights and ensure compliance with applicable laws.

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