Consumer complaint received 2024-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
So I have these unauthorized inquiries on my credit report that Im tryna get removed It was like a XXXX XXXX of inquiries all at once It all the recent ones because I havent apply for any credit Also account SYNCB/LOW and XXXXXXXX XXXX has unauthorized inquiries reporting to my credit profile I am writing to dispute inaccurate information on my credit report, as reported by [ XXXX, XXXX and XXXX ] in violation of the Fair Credit Reporting Act ( FCRA ). I have identified multiple issues with accounts reported by [ XXXX, e.g., SYNCB/LOW ] that must be corrected or removed. Please investigate and take action within the timeframe required by law. 
The FCRA mandates accuracy in consumer reports under 15 U.S.C. 1681e ( b ), and I believe your agency has failed to meet this standard in the following ways : Details of the Disputed Accounts XXXX. Account XXXX : SYNCB/LOW [ last XXXX digits : XXXX ] XXXX. Inaccuracies Identified : The credit limit for this account is inconsistently reported ( e.g., {$5000.00} on XXXX and XXXX but {$0.00} on XXXX ). 
Late payment history is inaccurate ; [ describe inconsistencies ]. 
The account is flagged as closed due to inactivity ; however, no valid adverse action notice was provided by the creditor as required under 15 U.S.C. 1681m ( a ). 
XXXX. Applicable Violations : 15 U.S.C. 1681e ( b ) : Failure to maintain accurate reporting procedures. 
15 U.S.C. 1681s-2 ( a ) : Creditor supplied inaccurate information and failed to correct known errors.

15 U.S.C. 1681c-1 : Failure to address suspected fraud, as indicated by my consumer statement of unauthorized services.

15 U.S.C. 1681i ( a ) : Credit bureau failure to promptly investigate prior disputes, if any.

Requested Actions 1. Conduct an immediate investigation of the accounts as required under 15 U.S.C. 1681i. 2. Remove or correct all inaccurate information related to this account, including : Late payment history. 
Credit limit discrepancies. 
Any derogatory remarks or account closures due to inactivity. 
XXXX. Provide me with a corrected copy of my credit report after resolving these disputes. Supporting Documents Enclosed are copies of relevant documentation, including : My consumer credit report highlighting the discrepancies. 
A copy of my consumer statement referencing unauthorized services. 
Legal Obligation and Timeline Under the FCRA, you are required to investigate my dispute within 30 days ( or 45 days if I provide additional documentation ). If the information is found to be inaccurate, incomplete, or unverifiable, it must be deleted or corrected immediately under 15 U.S.C. 1681i ( a ) ( 5 ). 
Failure to comply with these requirements will leave me with no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action to enforce my rights under the FCRA, including seeking damages under 15 U.S.C. 1681n and 15 U.S.C. 1681o. 
IF THIS ACCOUNT NOT REMOVED OR UPDATED TO POSITIVE THEN I WILL SEEK MONETARY DAMAGES FOR THESE INACCURACIES ON MY REPORT. Under the FCRA, I am exercising my right to dispute these accounts. Due to the severity of the violations and the burden of proof on the furnishers and credit reporting agencies. I am requesting the immediate removal of these accounts from my credit report. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution

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