Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12793069
Complaint Overview
Complaint ID: 12793069
Company: Synchrony Financial
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Investigation took more than 30 days
State: Texas
ZIP Code: 77583
Date Received: 2025-04-02T12:00:00-05:00
Date Sent to Company: 2025-04-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I recently disputed these items listed and I don't believe a proper investigation was done. They did not provide proof I requested to verify the account, nor used the documents I provided as proof of these items don't belong to me. According to the FCRA, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify through the physical verification of the original signed certified consumer contract - of all accounts you request to be posted and or reported on a credit report. These accounts should be deleted immediately.
Frequently Asked Questions
What is Complaint #12793069 about?
Complaint #12793069 was filed against Synchrony Financial regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-04-02T12:00:00-05:00.
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.