Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6195291
Complaint Overview
Complaint ID: 6195291
Company: Synchrony Financial
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Investigation took more than 30 days
State: District of Columbia
ZIP Code: 20009
Date Received: 2022-11-12T12:00:00-05:00
Date Sent to Company: 2022-11-12T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX claimed in CFPB case # XXXX that " In accordance with the Fair Credit Reporting Act, entities who have certified to XXXX that they have a permissible purpose may inquire about credit information. '' SYNCB/XXXX XXXX XXXX did not have a permissible purpose to inquire about credit information. According to federal law, XXXX must be able to verify that SYNCBXXXX XXXX XXXX had a permissible purpose and, if none exists, must remove the hard inquiry from the report within 30 days. The consumer has verified from their end that there was no permissible purpose. Via phone, SYNCB/XXXX & XXXX claims that someone applied for credit using XXXX 's credit report, which would be illegal without XXXX 's XXXX consent ; SYNCB/XXXX XXXX XXXX already acknowledged this but has not taken action to fix this. XXXX 's reply to CFPB case # XXXX also states, " Please contact your local Attorney Generals office for further information regarding your specific state laws. '' The consumer should not have to go to their local Attorney General 's office before XXXX provides a non-templated/canned reply, as they did in CFPB case # XXXX, to the consumer complaint. SYNCBXXXX XXXX XXXX shows up as a hard inquiry on my XXXX credit report. SYNCBXXXX & XXXX had no lawful reason to perform a hard inquiry on my credit report nor did XXXX diligently prevent unauthorized or unlawful access to my credit report. SYNCB/XXXX & XXXX Additional details Business type Bank Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Frequently Asked Questions
What is Complaint #6195291 about?
Complaint #6195291 was filed against Synchrony Financial regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2022-11-12T12:00:00-05:00.
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.