Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5241592
Complaint Overview
Complaint ID: 5241592
Company: Synchrony Financial
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Maryland
ZIP Code: 20910
Date Received: 2022-02-19T12:00:00-05:00
Date Sent to Company: 2022-02-19T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I received a notification from credit monitoring services stating that SYNCB/XXXX had done a hard credit check against my XXXX credit report. I had not requested any credit from Synchrony Bank or XXXX XXXX, so this clearly constituted fraudulent activity. On the morning of XX/XX/XXXX, I contacted Synchrony Bank by calling ( XXXX ) XXXX to report that I had not requested that any credit account be opened in my name. The customer agent told me that there was no record on file of any application for credit under my social security number. Also on the morning of XX/XX/XXXX, I contacted XXXX at ( XXXX ) XXXX to dispute the credit check and report fraudulent activity. The XXXX representative made a note on my file, but told me that Synchrony Bank would have to request that the credit checks be removed from my credit reports. On XX/XX/XXXX, I received a letter from Synchrony Bank saying that there was indeed an attempt to open a credit card in my name, but that the attempt was rejected due to an inability to verify my identity. This contradicts the information provided to me by the customer representative on XX/XX/XXXX. On XX/XX/XXXX, I sent a letter to Synchrony Bank ( see attachment ) requesting that the hard credit check be removed from my credit report. I have not heard any response. As of XX/XX/XXXX, the hard pull is still showing on my credit report, adversely affecting my score.
Frequently Asked Questions
What is Complaint #5241592 about?
Complaint #5241592 was filed against Synchrony Financial regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-02-19T12:00:00-05:00.
How did Synchrony Financial respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.