Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Information in Credit Report Dear XXXX, I am writing to dispute the following inaccurate information that appears on my credit report prepared by your agency. Under 15 U.S.C. 1681o, I am entitled to seek civil liability for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ).

The information in question is as follows : - account name, account number, dates.

This information is incorrect because my identity was stolen and there is false information being reported 1. Clear Statement of Identity Theft : - " I am writing to inform you that my identity was stolen, and as a result, there is false information on my credit report.

2. " The following information on my credit report is incorrect : list the incorrect name, incorrect address, and the amount I have accrued and not the impersonator amount.

3. I lived with someone, and they used all my information. I believe this false information was added to my credit report due to fraudulent activity by the person who stole my identity. 
I request that you investigate this matter, remove the incorrect information from my credit report, and provide me with a written confirmation of the corrections. 
Please contact me at XXXX & XXXX if you need any further information or documentation to resolve this issue, feel free to contact me. 
please investigate and correct your credit report. 

o Negligent Noncompliance : This section establishes that any person who is negligent in failing to comply with any requirement imposed under the FCRA with respect to concerning any consumer is liable to that consumer.

o Damages : The consumer can recover actual damages sustained as a result of the failure. - Attorney 's Fees : In the case of any successful action to enforce any liability under this section, the consumer can also recover the costs of the action together with reasonable attorney 's fees as determined by the court.

Attached to this letter, you will find copies of my passport, social security card, and utility bill that support my claim.

I request that you investigate this matter, correct the inaccurate information, and provide me with a written confirmation of the correction. Once the inaccuracies have been resolved, please also provide me with an updated copy of my credit report. 
As per the FCRA, you must complete your investigation within XXXX days of receiving this letter. Failure to comply with the fcras requirements may result in legal action to seek damages for negligent noncompliance.

In summary, 15 U.S.C. 1681o provides consumers with the right to seek compensation if they suffer damages due to a company 's negligent failure to comply with the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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