Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
SYNCB/ASHLEY HOMESTORE XXXX XXXX XXXX XXXX, OH XXXX Subject : Demand for Immediate Deletion of Fraudulent Account Under FCRA Sections 605, 605 ( b ), and 609 I am writing to formally demand the immediate deletion of fraudulent accounts from my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 605, 605 ( b ), and 609, as well as the XXXX XXXX XXXX and the fact that I am a victim of identity theft. 

Affected Accounts for Deletion : * Creditor Name : SYNCB/ASHLEY HOMESTORE XXXX Account Number : XXXX * Date Opened : XXXXXXXX  As a result of the XXXX data breach that occurred in the year of XXXX, my personal and financial information was exposed to unauthorized parties. This breach has directly contributed to the fraudulent accounts and activity appearing on my credit report. It is clear that these accounts were opened or altered without my authorization and are a direct result of the breach. 
Moreover, I have been a victim of identity theft, as documented in the Police Report I have filed with my local authorities, a copy of which I have enclosed for your reference. Additionally, I have submitted an Identity Theft Report to the Federal Trade Commission ( FTC ), which further substantiates my claim of fraud. 

Legal Basis for Deletion Under the Fair Credit Reporting Act ( FCRA ) : 1. Section 605 mandates that any information that is inaccurate, incomplete, or unverifiable must be removed from my credit report. The accounts listed above are either inaccurate or unverifiable, and therefore should be deleted.

2. Section 605 ( b ) provides that information resulting from identity theft must be corrected or removed, and it explicitly requires that fraudulent accounts or activities not be reported on a consumers credit file.

3. Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. Thanks I am exercising my rights under these provisions and demand the immediate removal of the fraudulent account listed above from my credit report. 

Please provide a thorough investigation into these fraudulent entries and remove the disputed account within 30 days, as required by law. Upon completion of your investigation, I request that you provide me with the following : Confirmation that the fraudulent account have been removed from my credit file. 

Failure to act in compliance with FCRA regulations will leave me with no option but to take further action, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory bodies. Additionally, I will explore legal avenues for any damages that may have been incurred due to the negligence of the credit bureau in handling this matter. 
I trust this issue will be handled with the urgency it deserves and that the fraudulent account will be removed without delay. 
Sincerely, 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