Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am writing to formally notify you that all communication regarding the following accounts must cease immediately : XXXX  Account Number : XXXX Balance : {$0.00} Issue : Marked derogatory due to account closure for inactivity, not delinquency.

Issue : Improper derogatory classification despite no delinquencies.

Cease-and-Desist Notification This letter serves as a cease-and-desist notification under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). Effective immediately, you are prohibited from contacting me through any medium, including but not limited to : Phone calls. 
Text messages. 
Emails. 
Postal mail.

You may only contact me as explicitly allowed by law, such as to provide validation of the debt or to notify me of specific legal actions.

Violations of Federal Law Violations of 15 U.S.C. 1692c ( FDCPA ) : Communication has occurred at inconvenient times, including late at night and early in the morning, violating 15 U.S.C. 1692c ( a ) ( 1 ).

Misleading and deceptive communication has caused confusion and intimidation, as prohibited by the FDCPA.

Violations of 15 U.S.C. 1681s-2 and 1681i ( FCRA ) : Furnishers of credit information are obligated to report accurate and verified data. These accounts reflect duplicate entries, inconsistent balances, and unsupported derogatory classifications.

Right to Block Fraudulent Information Under 15 U.S.C. 1681c-2 : As a victim of identity theft and XXXX XXXX, I invoke my right under 15 U.S.C. 1681c-2 to request the blocking of fraudulent information on my credit report. Documentation proving these circumstances can be provided upon request.

Right to Restrict the Use of Certain Data Under 15 U.S.C. 1681c-3 : I demand that my file reflect no adverse information related to these debts, as they are disputed, unvalidated, and potentially fraudulent.

Demand for Debt Validation Under 15 U.S.C. 1692g ( b ), I demand complete validation of these debts, including : Proof of the original creditor. 
A detailed payment history. 
Documentation substantiating the balance owed. 
If you can not validate these debts or prove your legal authority to collect, you must immediately cease reporting these accounts to credit bureaus and remove all derogatory remarks. 

Dispute and Demand for Account Removal I am disputing these accounts on the grounds that I am a victim of XXXX XXXX. Under 18 U.S.C. 1595 and related federal protections, debts incurred as a result of coercion or exploitation are unenforceable. These accounts do not belong to me, and you are legally obligated to remove them from my credit reports immediately.

Demands Cease All Communication : Under 15 U.S.C. 1692c ( c ), cease all communication regarding these accounts.

Immediate Removal of Accounts : Remove these accounts from all credit reports under 15 U.S.C. 1681c-2 due to inaccuracies, unvalidated debts, and my status as a XXXX  survivor.

Restrict the Use of Adverse Information : Prevent any further use of adverse information under 15 U.S.C. 1681c-3, as these debts are not legitimate and have been disputed.

Written Acknowledgment : Provide written confirmation within 30 days that the accounts have been removed or corrected and that all communication has ceased.

Failure to Comply Failure to address these demands will result in complaints filed with : The Consumer Financial Protection Bureau ( CFPB ).

The Federal Trade Commission ( FTC ). 
Other relevant state and federal agencies. 
Furthermore, I reserve the right to pursue legal action for damages under the FDCPA and FCRA.

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