Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Request for Investigation and Correction of Inaccuracies Due to Identity Theft and Data Breach To Whom It May Concern, I am writing to formally report instances of identity theft and associated inaccuracies on my credit report, which were discovered following a recent data breach. I have reason to believe that these accounts are the result of identity theft, as I did not open or authorize these accounts. Under the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681b, I am entitled to protection against the reporting of inaccurate and unauthorized information. Therefore, I respectfully request your immediate assistance in addressing these issues and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Additionally, I am requesting that these accounts be thoroughly investigated and permanently removed from my credit report. 
Accounts in Dispute Due to Identity Theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were fraudulently opened in my name without my authorization as well as unauthorized fraudulent charges on my credit card on XXXX accounts. XXXX and XXXX I have taken measures to secure my identity and have attached supporting documentation, including a copy of my government-issued ID, my social security card, and a police report, to substantiate my claim of identity theft. 
Violation of the FCRA : The reporting of these inaccurate accounts violates Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA, which mandates furnishers of information to provide only accurate and verifiable information to consumer reporting agencies. The continued presence of these accounts on my credit report is causing significant harm to my financial standing and credibility. 
Request for XXXX : XXXX. I kindly request that you investigate and ensure the immediate deletion of the above-mentioned fraudulent accounts from my credit report. 
XXXX. Notify XXXX and other relevant credit bureaus to correct the inaccuracies and ensure the removal of all disputed accounts from my credit file. 
My Information : Social Security Number : XXXX Date of Birth : XX/XX/XXXX Enclosed are copies of the following documents for your reference : XXXX. My government-issued photo ID. 
XXXX. My Social Security card. 
XXXX. FTC Report. 
XXXX. Recent credit report highlighting the disputed accounts. 
Please let me know if you require any additional information or documentation to facilitate your investigation. I look forward to your confirmation of receipt of this letter and a timeline for resolution. 
Thank you for your prompt attention to this matter. Please contact me directly at XXXX or XXXX if further information is needed. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copies of supporting documents

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