Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing to formally dispute fraudulent and inaccurate information being reported on my credit file regarding a CareCredit/Synchrony Bank account . I originally opened a CareCredit account with Synchrony Bank with a {$1200.00} credit limit ( account ending in XXXX ). I made only two purchases totaling approximately {$750.00}, which were paid as agreed. Years later, I discovered a reported balance of approximately {$8600.00} along with an unauthorized credit limit increase to {$15000.00} tied to a different account number ( ending in XXXX ), which I never applied for, authorized, or used. Upon review of the documentation provided, I identified a critical error : There are two separate account numbers being referenced : Account ending in XXXX : the only account I opened and authorized Account ending in XXXX : an unauthorized and fraudulent account These accounts are clearly different, yet the reporting and documentation improperly combine or confuse the two. The statements provided are inconsistent, missing entire months, and fail to show any valid charges supporting the alleged {$8600.00} balance. Additionally, the provider has no record of me or the services allegedly rendered, and payments are reportedly tied to a XXXX XXXX account that I have never owned or used. This constitutes a mixed file or mixed account reporting error and raises serious concerns of identity theft. Furthermore, this account appears to have been transferred or sold to another entity. However, the reporting remains inconsistent and inaccurate across all parties involved. Any entity reporting this account is required to ensure the information is complete, accurate, and verifiable. Under the Fair Credit Reporting Act : Pursuant to FCRA 611 ( 15 U.S.C. 1681i ), I request a reasonable investigation into this matter. This reporting violates FCRA 623 ( a ) ( 1 ) ( A ), as the information being furnished is inaccurate, incomplete, and can not be verified. Under FCRA 623 ( b ), all furnishers are required to conduct a reasonable investigation upon notice of dispute. The continued reporting of conflicting account numbers, credit limits, and balances demonstrates a failure to meet this obligation. Pursuant to FCRA 605B, I am asserting that the account ending in XXXX is fraudulent and request that it be blocked and removed from my credit file immediately. Since this account has been transferred or sold, I request full documentation establishing : -The complete chain of ownership of the alleged debt -The original signed agreement -A complete and accurate payment history Itemized statements with no missing periods -Proof of services rendered -Documentation clearly linking this account to me Under the Fair Debt Collection Practices Act ( FDCPA 809, 15 U.S.C. 1692g ), I am formally requesting full validation of this alleged debt. If you are unable to provide verifiable documentation that both account numbers belong to me and that I authorized the {$15000.00} credit limit and associated charges, then this account must be deleted in its entirety. Please note that reporting information that can not be verified or that is known to be inaccurate may constitute willful noncompliance with the Fair Credit Reporting Act. I am requesting the immediate removal of the fraudulent account ( ending in XXXX ), along with any associated negative reporting. Please provide written confirmation of the results of your investigation. Thank you. Best Regards, 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 explanation