Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11063496
Complaint Overview
Complaint ID: 11063496
Company: Synchrony Financial
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Pennsylvania
ZIP Code: 15108
Date Received: 2024-12-06T12:00:00-05:00
Date Sent to Company: 2024-12-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The account of SYNCB/XXXX XXXX on my all there credit reports is showing late payments of 30 days which happened in XX/XX/XXXX and XXXX 60 days which happened in XXXX and XX/XX/XXXX respectively. The account was under my personal individual responsibility. First of all XXXX 60 days late payments can't happen one after another since after 60 days delinquency 90 days follows. That is the first inconsistency. Second of all according to the report, the account was closed on XX/XX/XXXX and the last payment received in XX/XX/XXXX. Since the account was closed and paid off there have not been any activities. Finally, I contacted the creditor, and they confirmed that since the account had been inactive ( no purchases ), late payments could never have occurred. I am requesting deletion of negative information form the specified account on all my major credit bureau.
Frequently Asked Questions
What is Complaint #11063496 about?
Complaint #11063496 was filed against Synchrony Financial regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-12-06T12:00:00-05:00.
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.