Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank Fraud Department / Legal Department Re : Formal Dispute Continued Reporting of Fraudulent Accounts Without Verification Account Number ( XXXX ) : PC XXXX & XXXX XXXX, XXXX XXXX, XXXX XXXX Dear Synchrony Bank XXXX Department : I am writing to formally dispute the continued reporting of XXXX or more fraudulent accounts that Synchrony Bank is furnishing to consumer reporting agencies under my name. These accounts are the result of identity theft, were not opened or authorized by me, and remain inaccurately reported despite my prior disputes and documentation requests. 

To date, Synchrony Bank has failed to provide any competent documentary evidence demonstrating that I opened, authorized, or benefited from these accounts. Specifically, you have not produced copies of any alleged application, signed agreement, IP logs, device data, delivery confirmation, transaction records, or other admissible proof linking me to the accounts. Generic assertions that items were shipped or that I accepted responsibility are not evidence and do not satisfy your obligations under federal law. 

Under the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681s-2 ( b ), once a furnisher receives notice of a dispute, it must conduct a reasonable investigation and report only information that is complete and accurate. Courts have made clear that merely verifying information against internal recordswithout substantiating documentationdoes not constitute a reasonable investigation. See, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Further, to the extent these accounts resulted from identity theft, continued reporting after notice violates the FCRAs accuracy and reinvestigation requirements, and any failure to correct or delete unverified information constitutes willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o. 

Accordingly, I hereby demand that Synchrony Bank : Immediately cease furnishing any inaccurate or unverified information regarding the disputed accounts to XXXX XXXX XXXX XXXX ; Delete the fraudulent accounts in their entirety from all consumer reporting agencies ; Provide, within XXXX  days, copies of all documents you contend support your position, including any application, agreement, transaction history, delivery confirmation, and investigative materials relied upon ; and Confirm in writing that the accounts have been permanently removed and will not be re-reported. 

If Synchrony Bank continues to report these accounts without producing proper verification, I will pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau, state regulators, and initiating litigation to recover statutory, actual, and punitive damages, as well as attorneys fees and costs. 

This letter is sent without waiver of any rights, claims, or remedies, all of which are expressly reserved. 

Sincerely, XXXX 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 non-monetary relief