Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #17962788
Complaint Overview
Complaint ID: 17962788
Company: Synchrony Financial
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Colorado
ZIP Code: 80124
Date Received: 2025-11-26T12:00:00-05:00
Date Sent to Company: 2025-11-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello, I am filing a complaint regarding a hard credit inquiry placed on my credit report by Synchrony Bank following an application I submitted through XXXX on XX/XX/year> at XXXX. At no point during the application process was I clearly or explicitly informed that submitting the request would result in a hard credit pull. After noticing the inquiry, I contacted both XXXX and Synchrony Bank. Synchrony Bank stated the disclosure was in the Terms and Conditions, but the information was not prominently displayed, not clearly stated, and not reasonably visible prior to submission. I maintained a very good credit score and this lack of transparency caused an unnecessary negative impact on my credit profile and denied me the ability to make an informed decision. I am requesting that the CFPB review this matter, determine whether proper consumer disclosure and consent requirements were met, and assist in having the unauthorized inquiry removed from my credit report. Thank you for your time and attention.
Frequently Asked Questions
What is Complaint #17962788 about?
Complaint #17962788 was filed against Synchrony Financial regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-11-26T12:00:00-05:00.
How did Synchrony Financial respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Synchrony Financial?
Yes, visit the Synchrony Financial company profile at readthecomplaint.com/company/synchrony-financial to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.