Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Obtained a credit card from XXXX XXXX company, a long-time customer of the retailer. The initial line of credit was XXXX XXXX dollars. I have used it for a long time with no issues. All of a sudden, I am not able to use it. Come to find the line of credit was lowered to {$700.00} dollars for NO REASON. I inquired about this by calling XXXX. 

I received a letter indicating my line of credit was lowered. The list of credit impact issues they used to determine this issue was listed but not well founded. I asked for an escalation which by the way to date, nothing has taken place to respond or address this issue. 

List of issues to lower credit included mortgage debt payments None of these apply to me. I rent, I pay on time and even pay beforehand, and I do not have debt any longer! This has impacted my credit reporting to the point of NEGATIVE remarks and lowering Credit Score! 

I have logged on to the bureaus to learn I am not even able to view the detail of the information. There is a block on navigation and being able to address the negative remark online. I received a call from the Credit Bureau XXXX indicating they would " clean '' my credit report by deleting history and I said NO! 

This is unacceptable! The letter provided information that did not address areas of concern that are mine! I have filed for identity theft and consider this to be an on-going issue with systematic financial issues by thinking I am someone else! This needs to be corrected. 

Second issue : The card issued to me had my full legal name as XXXX XXXX XXXX XXXX as I can recall. If not it needs to be that way. I have misplaced the card so called to have it reissued. The card is issued with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called twice and both times, the card is issued with no middle initial. I called today to have this updated. Here is the detail : XXXX. The mailer is addressed to me as XXXX XXXX XXXX XXXX on the actual stationary not the envelope. When I call for correction to the credit card, they indicate the system displays the entire legal name as XXXX XXXX XXXX XXXX. 
XXXX. I explain I am looking for the card to be correctedXXXX XXXX is an abbreviation for XXXX in XXXX XXXX and other countries, so this is correct. However, it also needs to be listed as XXXX  for middle initial. I am informed there are space limitations. I asked for an escalation to have this addressed by tech support. I am informed they are account managers and can not escalate the issue nor can they fix the system. 
XXXX. I informed them I would address this with upper management yet ; I am doing it here to address all issues at once. I indicated to rep I have filed for ID Theft with Local Authorities and still there is no resolution provided. 

Considering I have provided application support for 5 years in the past, I know there is a way to escalate issues like this and to have Credit Card Companies and entities FIX issues that can impact identity theft and consumer reports.

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