Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
Company : Synchrony Bank ( XXXX XXXX XXXX ) Issue : Identity theft, inaccurate credit reporting, failure to investigate, refusal to delete fraudulent account, continued contact/collection Complaint Summary I am submitting this complaint against Synchrony Bank regarding a fraudulent Amazon Store Card account that was opened as a result of identity theft. Despite multiple disputes, formal identity theft reports, and written confirmation from XXXX that no such account has ever been associated with my XXXX profile, Synchrony Bank continues to report this account on my credit files and refuses to remove it. 
Their conduct has caused ongoing financial harm, emotional distress, and damage to my credit, and constitutes violations of the Fair Credit Reporting Act ( FCRA ) and federal identity theft protections. 
Detailed Explanation My identity was stolen several years ago. Since that time, I have taken extensive steps to protect myself, including filing FTC identity theft reports, freezing and flagging my credit reports for fraud, and disputing all fraudulent accounts. 
In 2023, years after the original identity theft, a Synchrony Bank XXXX XXXX XXXX XXXX tradeline suddenly appeared on my credit reports. This account does not belong to me. 
I immediately disputed the account with the credit bureaus and with Synchrony Bank. I also provided : FTC Identity Theft Reports Identity theft affidavits and documentation Written confirmation from XXXX stating that no Synchrony XXXX charge account has ever been attached to my XXXX profile or purchase history Despite receiving this evidence, Synchrony Bank has : Refused to remove the fraudulent account Failed to conduct a reasonable investigation Continued to verify and re-report inaccurate information Refused to cease contact regarding this fraudulent debt I have disputed this account multiple times, and I will continue to do so until this fraudulent tradeline is permanently deleted. 
Violations Synchrony Banks actions appear to violate, at minimum : FCRA 1681c-2 ( Section 605B ) Failure to block information resulting from identity theft after receiving proper documentation FCRA 1681s-2 ( b ) Failure to reasonably investigate disputes and correct inaccurate information FCRA 1681e ( b ) Failure to ensure maximum possible accuracy in reporting FDCPA / UDAAP principles Continuing collection and contact regarding a debt they can not validate Failure to honor federal identity theft protections and consumer rights They are effectively forcing a proven identity theft victim to live indefinitely with fraudulent credit reporting.

Harm Caused Synchrony Banks refusal to correct this error has caused : Ongoing damage to my credit reports and financial standing Emotional distress and anxiety from continuous harassment and disputes Time, expense, and burden repeatedly defending against a debt that is not mine Fear of further retaliation or collection attempts This is especially harmful given my long history of identity theft and the extensive documentation already provided.

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