Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5148330
Complaint Overview
Complaint ID: 5148330
Company: Synchrony Financial
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Texas
ZIP Code: 75098
Date Received: 2022-01-25T12:00:00-05:00
Date Sent to Company: 2022-01-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2022. I recived an alert from XXXX that Synchrony Bank had checked my XXXX credit report. The following is the credit inquiry listed on my XXXX report : SYNCHRONY ACCOUNT REVIEW DATE : XX/XX/2022 Institution Information SYNCHRONY ACCOUNT REVIEW XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX I attempted to reach out to Synchrony Bank several times on XX/XX/2022 and spoke with multiple representatives. I was transferred back and forth between the fraud team and the customer care team. I was able to speak to " XXXX '' with the fraud team who advised me there was no applications in process with Synchrony Bank. I also verified with XXXX that no reviews were done on any accounts. " XXXX '' advised me to reach out to the credit agency who alerted the inquiry. I have notified XXXX that the inquiry is fraudulent. The number listed on the inquiry ( XXXX ) is a number I am unable to reach, the phone line just keeps ringing. This fraudulent inquiry continues to remain on my XXXX report. This inquiry is UNAUTHORIZED. I hereby demand Synchrony Bank to notify XXXX of the removal of the inquiry. This inquiry violates the FCRA under section 605B ; results from identity theft. Please notify XXXX to remove the unauthorized inquiry.
Frequently Asked Questions
What is Complaint #5148330 about?
Complaint #5148330 was filed against Synchrony Financial regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2022-01-25T12:00:00-05:00.
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, credit repair services, 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.