Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The consumer reporting agencies XXXX, XXXX XXXX PAYPAL/SYNCB have been reporting inaccurate information onto my consumer credit report without my written consent. According to the Fair Credit Reporting Act, 15 USC 1681b - " Permissible purposes of consumer reports, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' XXXX, XXXX & PAYPAL/SYNCB have been reporting information onto my credit file without my written consent and continue to do so after attempting to solve the matter with each of them. XXXX, XXXX XXXX PAYPAL/SYNCB have also violated my rights under 15 USC 1681a - " The term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Reporting any transaction history or inquiries onto my credit report is illegal and was done without my written consent. This also further violates 15 USC 1681s - 2 " Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors, - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I have notified the consumer reporting agencies of the inaccuracies and instead they continue to report inaccurate information onto my consumer report. This also further violates my rights under 15 USC 1681n - " Civil liability for willful noncompliance ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} '' and also 15 USC 1681o- " Civil liability for negligent noncompliance - Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages by the consumer as a result of the failure. '' I also have the right as a consumer to make sure that my private and personal information isn't disclosed to those I have not given written consent to which stated in 15 USC 6801 - " Protection of nonpublic personal information ( a ) Privacy obligation policy- It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 'Furnisher of information to credit agencies ' is considered a financial institution, and the consumer reporting agencies, XXXX XXXX XXXX XXXX PAYPAL/SYNCB do not have my written consent to furnish any information. Any and all consent to the consumer reporting agencies, XXXX, XXXX XXXX PAYPAL/SYNCB whether it's verbal, non-verbal, implied, written or anything else otherwise is revoked. I also never was given the written notice to opt-out according to 15 USC 6802 ( b ) " Opt out ( A ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third-party unless- ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Under 12 CFR 1016.7 I am opting out of your reporting services.

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