Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
To Whom It May Concern at the CFPB, I am writing to file a formal complaint regarding ongoing and relentless harassment by multiple creditors and the failure of the credit reporting bureaus to properly investigate and assist in resolving this matter.

The Core of My Complaint : I have been subjected to repeated unauthorized hard inquiries and the opening of accounts that I did not authorize, recognize, or initiate. Despite contacting the credit bureaus and notifying them of a potential data breach and identity theft, they have refused to take appropriate action.

Below is a list of creditors who have either pulled my credit or opened accounts without my knowledge or consent 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 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  I have no recollection of applying for, nor authorizing any of these inquiries or accounts. I believe I am a victim of identity theft and credit fraud, and the credit bureaus have failed to act in accordance with the law to protect me. 

My Rights and Violations Involved : Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681 et seq.

1681b : Permits credit inquiries only with permissible purpose. These inquiries were made without my consent, and therefore, they violate FCRA.

1681i : Requires credit bureaus to conduct a reasonable reinvestigation of disputes. The credit bureaus have failed to do so.

1681c-2 : Right to block information resulting from identity theft. I have requested blocks which were ignored or dismissed. 

Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1692 1692d : Prohibits harassment and abuse. I am constantly contacted by creditors I do not owe and never authorized.

1692e : False or misleading representation. These accounts and inquiries create the false appearance of indebtedness.

Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S. Code 6801-6809 This law mandates protection of nonpublic personal information. My data appears to have been compromised and misused, and the responsible entities are failing to safeguard it.

Identity Theft and Assumption Deterrence Act - 18 U.S. Code 1028 My personally identifying information has been used without consent. I am a victim of criminal identity theft, and I demand immediate protection and correction. 

Harm and Emotional Distress : Due to this ongoing harassment and negligence : I have experienced extreme emotional distress, anxiety, and sleepless nights. 

My credit score has been damaged, and my financial reputation unfairly harmed.

I have spent significant time and energy contacting all three credit bureaus, to no avail.

Requested Relief : Immediate and thorough investigation into all listed credit inquiries and accounts. 

Removal of all fraudulent hard inquiries and accounts from my credit report. 

Enforcement action taken against any financial institutions that conducted unauthorized credit pulls. 

The credit reporting agencies be held accountable for failure to investigate and comply with the FCRA. 

Full restoration of my credit file and a formal apology for the distress caused.

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 non-monetary relief