Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5265878
Complaint Overview
Complaint ID: 5265878
Company: Synchrony Financial
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Other personal consumer report
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: New Jersey
ZIP Code: 07728
Date Received: 2022-02-27T12:00:00-05:00
Date Sent to Company: 2022-04-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I received a Notification that a hard request for my credit file was made on XX/XX/22 by XXXXXXXX XXXX XXXXXXXX Located at XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX GA XXXX. I never gave this company permission to check my credit and did not apply to this company for a loan, credit card, or line of credit. This inquiry caused my credit score to decline by XXXX points. I contacted XXXX and filed a dispute stating it was either identity theft or a fraudulent transaction. They sent me an email stating their investigation was closed and the hard inquiry will remain on my credit report for 2 years. I want this item removed from my credit report.
Frequently Asked Questions
What is Complaint #5265878 about?
Complaint #5265878 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 2022-02-27T12:00:00-05:00.
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.