Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8986725
Complaint Overview
Complaint ID: 8986725
Company: Synovus Bank
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: Virginia
ZIP Code: 23451
Date Received: 2024-05-11T12:00:00-05:00
Date Sent to Company: 2024-05-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
[ XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX [ EMAIL ] [ XXXX ] [ XX/XX/XXXX ] Subject : Dispute and Request for Investigation under FCRA, 15 U.S. Code 1681b and 15 U.S. Code 1681s2 To Whom It May Concern, The credit bureaus keep disrespecting the me & the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. I am writing to express my deep concern and disappointment regarding the handling of my consumer report and the accounts listed therein. It has come to my attention that there have been numerous violations of the Fair Credit Reporting Act ( FCRA ), specifically under the following sections : 1. 15 U.S. Code 1681c-2 : Failure to block reported information resulting from alleged identity theft. 2. 15 U.S. Code 1681b : Reporting information without my written instruction, violating my rights as a federally protected consumer. 3. 15 U.S. Code 1681s-2 : Furnishing inaccurate information to consumer reporting agencies. 4. 15 U.S. Code 1681c : Reporting adverse and inaccurate information on my consumer report. 5. 15 U.S. Code 1681i : Failure to conduct a proper investigation after my dispute. Under these violations, I hereby demand the immediate deletion of the accounts listed below from my consumer report, in accordance with the Fair Credit Reporting Act : I am writing to formally dispute and request a deletion regarding the information being reported on my consumer report, which Is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b and 15 U.S. Code 1681s2. Under 15 U.S. Code 1681b, it is stipulated that a consumer reporting agency may furnish a consumer report only in accordance with the written instruction of the consumer to whom it relates. To my knowledge, I have not provided any written consent allowing the reporting of the accounts in question on my consumer report. I hereby demand the immediate deletion of these accounts from my credit report. Additionally, under 15 U.S. Code 1681s2, furnishers of information are obligated to provide accurate information to consumer reporting agencies. It has come to my attention that the information being reported is inaccurate, and I have stated this fact in multiple written documents. This inaccurate reporting is a clear violation of my rights under FCRA. I kindly request a thorough investigation in accordance with 15 U.S. Code 1681i. Specifically, I am requesting the description of the investigation as outlined in 15 U.S. Code 1681i ( 7 ) to be provided to me no later than 15 days from the date of this letter. It is important to note that my initial communication regarding these matters was sent on XX/XX/XXXX, and I explicitly instructed the credit bureaus to investigate every piece of information and report only 100 % accurate information. Regrettably, this directive has not been followed, constituting another violation on the accounts listed below. 1. XXXX XXXX I urge you to promptly rectify these violations and provide me with a written response detailing the actions taken to address these concerns. Failure to comply with my request within four days of receiving this notice will leave me with no choice but to pursue legal proceedings to protect my rights as a federal protected consumer. Please consider this letter as an official notification and a demand for immediate action to Delete these accounts and any unauthorized hard inquiries posted with out my written permission to do so. I expect your prompt attention to this matter no later than 4 days according to law. Sincerely, [ XXXX XXXX ] Enclosures : ATTACHED BELOW
Frequently Asked Questions
What is Complaint #8986725 about?
Complaint #8986725 was filed against Synovus Bank regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-05-11T12:00:00-05:00.
How did Synovus Bank 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 Synovus Bank?
Yes, visit the Synovus Bank company profile at readthecomplaint.com/company/synovus-bank 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.