Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
I am submitting this letter as a formal and urgent dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and related consumer protection laws. I am the victim of identity theft, abduction, financial fraud, and unlawful account closures that have caused catastrophic financial harm and put my personal safety, financial, and education at risk. 
Since my fathers passing in XX/XX/XXXX, I have been forcibly detained abroad due to abduction by my brother, for inheritance reasons since he and his wife waived their inheritance rights to my fathers estate and the moment he passed he wouldn't stop doing fraud and draining his accounts and unlawfully selling our inherited assets. He has been convicted of abduction and physical abuse against me ( Final Court Ruling and 24/7 warrant for arrest enclosed ). During this period of confinement, I was stripped of access to my finances, identity documents, and communications, leaving me unable to monitor or authorize any financial activities. 
As a direct result, multiple fraudulent accounts and unauthorized credit actions were created in my name. Furthermore, my actual checking account with XXXX XXXX  that I had since XXXX ( Case Reference XXXX ) were unlawfully closed, leaving me financially incapacitated and unable to purchase a plane ticket to safely return to the XXXX XXXX to complete my XXXX XXXX at California XXXX University XXXX XXXX XXXX ID to finally graduate after all this as XXXX XXXX 
The fraudulent and unauthorized entries discovered on my credit report include, but are not limited to : 1.XXXX XXXX 2XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX 4XXXX XXXX Additionally , my brother illegally sold my only residence at with an invalid trust ; ( Him and his wife had waived his inheritance rights to my fathers estate about 3 weeks prior death ) I even filed a claim against XXXX XXXX XXXX XXXX But they didn't pay any attention as my brother had put my residence for sale while I was abroad for inheritence matters ; as a contingency for sale He handpicked Escrow and Title Officers. He intentionally caused foreclosure of our other family property in construction in XXXX XXXX by immediately transfering all the lenders money after few days of my fathers passing, to unlawfully benefit from lender ( {>= $1,000,000} XXXX and a renewal= {>= $1,000,000} plus interest in construction loan, which none went to construction ; let alone my late fathers own money for construction ) Supporting documentation, including court rulings, forensic reports, and financial records, is enclosed. Also I recently opened an online Checking XXXX Account but cant put any money into it from here. 
1.FTC Identity Theft Report Number XXXX 2.Final Court Rulings ( abduction, physical abuse, and destruction of property ) 3.Arrest Warrants ( XXXX XXXX ) 4.Police Reports ( XXXX and XXXX ) 5.University Letter mandating my return to the XXXX. 
6.Proof of unauthorized credit activity and ( Especially XXXX  report ) 7.Drivers Licence ID & my Passport for identity verification Along with additional documented evidence enclosed

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 non-monetary relief