Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #7839857
Complaint Overview
Complaint ID: 7839857
Company: Synchrony Financial
Product: Credit reporting 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: 77498
Date Received: 2023-11-12T12:00:00-05:00
Date Sent to Company: 2023-11-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I need Lowes Inquiry deleted. Unauthorized use of my personal information & I have no open personal accounts with them. A store attendant at Lowes encouraged me to opened a Commercial account for my business with the company. I agreed to opening a commercial account ONLY. But specifically told him multiple times that as long as it is not connected to my personal credit, ( because as I am in the home buying process & I was told not to have any Hard Inquiries or open any personal credit cards on my personal credit ). He assured me that there was no connection with business & personal credit as they are separate for a reason. A few days later, I saw a hard inquiry on my personal credit profile and I have no open accounts on my personal credit with Lowes. The store apologized & admitted wrong doing & I have been trying to work with them to solve the issue as the card issuer is not Lowes but Synchrony ( they have confirmed that I have no open accounts on my personal credit profile but the hard inquiry is still there ) but Im realizing that they have been taken for a loop, ( making me go in circles for over a month ) trying to get the hard inquiry removed off my personal credit profile as they promised. I have no personal open accounts with Lowes but I have a Hard Inquiry on my personal credit that was unauthorized by me.
Frequently Asked Questions
What is Complaint #7839857 about?
Complaint #7839857 was filed against Synchrony Financial regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2023-11-12T12:00:00-05:00.
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 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.