Consumer complaint received 2025-07-31 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: MD

Complaint narrative:
b"Skip to content\nOpen sidebar\XXXXYou said:\nCreate a cease and desist letter for CareCreditXXXX  For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX said:\nSure, here's a Cease and Desist Letter template addressed to CareCredit, customized with the information you provided. Please ensure you review and customize it further to fit your specific situation or have an attorney review it before sending.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate: XXXX XXXX XXXXTo:\nCareCredit / Synchrony Bank\nAttn: Legal Department\n[Insert CareCredits Legal Correspondence Address if known]\n\nSubject: Cease and Desist  Account Number: XXXX XXXX XXXX XXXXDear CareCredit Legal Department,\n\nI am writing this letter to formally demand that you cease and desist all forms of communication and collection activity related to the above-referenced account number (XXXX XXXX XXXX XXXX), which is allegedly associated with me, XXXX XXXXI hereby dispute the validity of this debt and request that you immediately stop contacting me through any means including phone calls, mail, email, or third-party representatives regarding this matter. This request is made pursuant to my rights under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692c(c).\n\nIf you believe this debt is valid and you intend to continue collection efforts, you are required to provide written validation of the alleged debt, including a complete breakdown of the charges, the original creditor, and any relevant documentation proving my responsibility.\n\nPlease be advised that failure to comply with this cease and desist request will leave me with no choice but to file a formal complaint with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and the Maryland Attorney General's Office. I also reserve the right to pursue all available legal remedies.\n\nThis letter serves as your legal notice. If you do not have sufficient documentation to verify the debt, you are required to remove all references to this alleged debt from my credit reports and halt any further collection actions.\n\nThank you for your prompt attention to this matter.\n\nSincerelyXXXX XXXXSignature: _________________________\n\nNotes:\nIf you are disputing a debt or believe it is in error (identity theft, etc.), you may also want to file a dispute with the credit bureaus and/or file a police report if identity theft is suspected.\n\nConsider sending this letter via certified mail with return receipt to ensure there is proof of delivery.\n\nReplace [Insert CareCredits Legal Correspondence Address] with their actual address. If you dont have it, I can help look it up.\n\nWould you like a XXXX  version of this letter for download or printing?\n\n\n\n\nNo file chosenNo file chosenXXXX  can make mistakes. Check important info."

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