Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : Office of the President Synchrony Bank ( SYNCB ) XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, UT XXXX Subject : URGENT FORMAL DISPUTE & LEGAL NOTICE REGARDING UNAUTHORIZED ACCOUNT Account Number : XXXX Dear Synchrony Bank Legal Department, I am writing to demand the immediate removal and permanent deletion of an unauthorized and fraudulent account currently being reported under my name by Synchrony Bank ( SYNCB ). The account, opened on or about XX/XX/XXXX, is a secured loan currently reflecting a balance of {$26000.00} and is being reported to XXXX  as active and never late, as of XX/XX/XXXX. 

Let me be absolutely clear : I did not apply for, authorize, or open this account. I have no contractual relationship with Synchrony Bank regarding this account and have never given consent for my personal identifying information ( PII ) to be used in relation to it. This account is fraudulent and its continued presence on my credit file is a direct violation of multiple federal laws, and a reckless disregard for my consumer rights and privacy. 



FORMAL LEGAL GROUNDS This dispute is made pursuant to and protected under the following federal statutes : Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq.

1681b : You are prohibited from accessing or using my consumer report without a permissible purpose.

1681s-2 ( a ) : As a data furnisher, you are required to report only accurate and verifiable information.

1681s-2 ( b ) : Upon notification of a dispute, you are obligated to conduct a reasonable investigation and report the results to all credit bureaus.

1681i : You are required to correct or delete inaccurate or unverifiable information within 30 days of receiving notice of dispute.

FACTA Fair and Accurate Credit Transactions Act of 2003 Under FACTA, I have the right to dispute any information believed to be the result of identity theft or fraud. You are required to block and remove fraudulent information upon receipt of such a claim.

18 U.S. Code 1028 Identity Theft and Assumption Deterrence Act The use of my personal information to create or maintain a fraudulent credit account may constitute identity theft under federal criminal statutes. If this account was opened without my authorization, your institution may be in possession of forged or falsified documents and could be complicit in fraudulent activity if the matter is not promptly resolved.

Consumer Financial Protection Act of XXXX This Act empowers consumers to dispute abusive, deceptive, or unfair business practices and gives enforcement authority to the CFPB to hold financial institutions accountable.

DEMANDS You are hereby put on legal notice and must take the following actions within 15 calendar days of the date of this letter : 1. Permanently close and delete this unauthorized account from all internal records and from all credit reporting agencies ( XXXX XXXX XXXX ).

2. Immediately cease and desist all credit reporting activity or account servicing related to this fraudulent account.

3. Provide me with a complete investigation file, including : A copy of the original application and contract All IP logs, device information, and time stamps used to open the account Any communication records or contact history tied to this account 4. Send written confirmation that this account has been removed from all consumer reporting and disassociated from my identity.

FAILURE TO COMPLY Should Synchrony Bank fail to act within the time required by law, I will take all necessary steps to enforce my rights, including but not limited to : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) Filing an identity theft report with the Federal Trade Commission ( FTC ) Submitting disputes directly to the credit reporting agencies Seeking remedies through civil litigation for damages pursuant to 15 U.S.C. 1681n and 1681o, including actual damages, statutory damages, punitive damages, attorneys fees, and court costs This letter is not only a formal dispute under federal law but also serves as a legal preservation notice. Any failure to retain documentation related to this matter will be treated as a spoliation of evidence.

I expect your full cooperation and immediate written response. If this fraudulent account is not completely removed and resolved, you will leave me no choice but to escalate this through all available legal channels. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX Email : 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