Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing this complaint against Synchrony Bank and XXXX XXXX XXXX XXXX XXXX for willful violations of the Fair Credit Reporting Act ( FCRA ) and related federal regulations. 

Previously, I discovered a fraudulent Synchrony Bank account appearing on my credit reports. I provided Synchrony Bank with an FTC Identity Theft Report and other supporting documentation as required under FCRA XXXX ( XXXX U.S.C. XXXX ). Pursuant to federal law, Synchrony Bank removed and blocked the fraudulent account from all three credit reporting agencies. This resolution was confirmed, and my credit was restored. 

However, in XXXX of 2025, XXXX XXXX XXXX XXXX XXXX, acting on behalf of Synchrony Bank or having obtained the account from them, began contacting me to collect on this same fraudulent account. Additionally, they reported this alleged debt to at least XXXX credit reporting agency, causing new negative entries on my credit file. This action has significantly and adversely impacted my credit standing and is in direct violation of federal consumer protection laws. 

Violations of XXXX XXXX : XXXX. FCRA XXXX XXXX of Information Resulting from Identity Theft ( XXXX U.S.C. XXXX ) Once a consumer provides an identity theft report, a furnisher and credit reporting agency must block the reporting of the fraudulent information and prevent it from reappearing. Synchrony Bank had no lawful right to transfer or reassign this fraudulent debt to XXXX XXXX XXXX for further collection or reporting. 
XXXX. FCRA XXXX ( a ) ( XXXX ) Duties of Furnishers After Notice of Identity Theft ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ) A furnisher who has been provided an identity theft report may not sell, transfer, or place for collection any debt arising from the identity theft. Synchrony Bank violated this provision by allowing XXXX XXXX XXXX to attempt collection. 
XXXX. FCRA XXXX ( a ) ( XXXX ) ( A ) Duty to Provide Accurate Information ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ) Furnishers may not report information they know or should know is inaccurate. XXXX XXXX XXXX reported this fraudulent debt despite its prior confirmed removal. 
XXXX. FCRA XXXX ( XXXX ) Permissible Purpose for Obtaining a Credit Report XXXX XXXX XXXX likely obtained and used my credit report in connection with collecting a fraudulent account, which is not a permissible purpose under the statute. 
XXXX. FCRA XXXX ( XXXX ) Duty to Investigate Disputed Information After receiving notice from the credit bureaus or me directly, both Synchrony Bank and XXXX XXXX XXXX XXXX XXXX conduct a reasonable investigation, as evidenced by the continued reporting and collection attempts. 
XXXX. FDCPA Violations ( XXXX U.S.C. XXXX and XXXX ) False or misleading representations and unfair practices in attempting to collect a debt that is not owed.

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