Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16283168
Incorrect Identity Information on Credit Report Resolved
Complaint Overview
Complaint ID: 16283168
Company: Synchrony Financial
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Illinois
ZIP Code: 60402
Date Received: 2025-09-30T12:00:00-05:00
Date Sent to Company: 2025-09-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The risk is low as the issue was closed with an explanation, suggesting it was addressed and resolved by the credit reporting agency or furnisher.
Consumer Sentiment: neutral
Topics: Credit Reporting, Incorrect Information, Identity Theft
AI Analysis
CFPB complaint 16283168 was filed against SYNCHRONY FINANCIAL regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer reported incorrect information on their credit report, stating that information belonging to someone else was present, and the issue was closed with an explanation. The complaint was received on September 30, 2025 from Illinois. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) grants consumers the right to dispute inaccurate information on their credit reports.
Regulatory Insight
This case highlights the importance of credit furnishers and agencies maintaining accurate consumer data to prevent identity mix-ups.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Illinois, and the resolution was provided via the web.
Industry Comparison
This is a common issue within the credit reporting industry, where data errors can lead to significant consumer concern.
Related Issues
Frequently Asked Questions
What is CFPB complaint 16283168 about?
CFPB complaint 16283168 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Information belongs to someone else". This complaint was filed against SYNCHRONY FINANCIAL on September 30, 2025.
Which company is complaint 16283168 filed against?
Complaint 16283168 was filed against SYNCHRONY FINANCIAL. You can view all complaints against this company on their profile page at /company/synchrony-financial.
What was the company's response to complaint 16283168?
SYNCHRONY FINANCIAL responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 16283168 filed?
Complaint 16283168 was received by the CFPB on September 30, 2025. It was sent to SYNCHRONY FINANCIAL on September 30, 2025.
What state was complaint 16283168 filed from?
Complaint 16283168 was filed from Illinois. You can view all complaints from this state at /state/IL.
Was the consumer satisfied with the resolution of complaint 16283168?
Dispute information is not available for complaint 16283168.
What product category is complaint 16283168 about?
Complaint 16283168 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 16283168 submitted?
Complaint 16283168 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 16283168?
The Fair Credit Reporting Act (FCRA) grants consumers the right to dispute inaccurate information on their credit reports. This relates to a Credit reporting or other personal consumer reports complaint against SYNCHRONY FINANCIAL involving "Incorrect information on your report".
How likely is complaint 16283168 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 16283168?
This complaint is rated as low risk. The risk is low as the issue was closed with an explanation, suggesting it was addressed and resolved by the credit reporting agency or furnisher.
What regulatory actions apply to complaint 16283168?
This case highlights the importance of credit furnishers and agencies maintaining accurate consumer data to prevent identity mix-ups. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 16283168?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 16283168?
The complaint originated in Illinois, and the resolution was provided via the web. This complaint was filed from Illinois.
How does complaint 16283168 compare to industry norms?
This is a common issue within the credit reporting industry, where data errors can lead to significant consumer concern.
What steps should a consumer take if they discover someone else's information on their credit report?
A consumer should immediately dispute the inaccurate information with the credit reporting agency and the furnisher of the information, providing any supporting documentation.
How long does a credit reporting agency typically have to investigate a dispute?
Under the FCRA, credit reporting agencies generally have 30 days (or 45 days in certain circumstances) to investigate a consumer's dispute.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.