Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6171420
Complaint Overview
Complaint ID: 6171420
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: District of Columbia
ZIP Code: 20009
Date Received: 2022-11-05T12:00:00-05:00
Date Sent to Company: 2022-11-29T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I recently received a correspondence from Synchrony Bank stating, " we do not have enough information to research your inquiry. Please provide the name of the retailer or merchant and a copy of your credit bureaus report showing the inquiry. '' The correspondence also incorrectly spelled my name, clearly demonstrating the continued negligence and lack of accountability on the side of Synchrony Bank. The merchant is Synchrony Bank XXXX XXXX XXXX XXXX. My name is spelled XXXX XXXX not XXXX XXXX, as mentioned to your department multiple times. Also, the XXXX and XXXX credit reports with these inquiries have been attached for your reference. The agent who picked up the phone at XXXX said that they were unable to help at this time because there is no account open with your organization under my social security number. Your organization has been useless in helping and has been illegally pulling people 's credit reports without their permission or legal cause.
Frequently Asked Questions
What is Complaint #6171420 about?
Complaint #6171420 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 2022-11-05T12:00:00-05:00.
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.