Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13342124
Complaint Overview
Complaint ID: 13342124
Company: Synchrony Financial
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Public record information inaccurate
State: Colorado
ZIP Code: 812XX
Date Received: 2025-05-04T12:00:00-05:00
Date Sent to Company: 2025-05-04T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I received a notice from XXXX that my credit rating had changed from Exceptional to Good and my credit rating dropped from XXXX to to XXXX. Upon review of my file I found that SYNCB/PPC had XXXX off my account ( which had a perfect payment record ) in the amount of {$130.00}. I filed a dispute with XXXX on XX/XX/year> and then I if followed up with SYNCB/PPC a few days after that. I encountered terrible customer service from their call center and the agent told me that the account was charged off due to bankruptcy and nothing could be done. I informed them that I had not filed for bankruptcy and that this was inaccurate information, but the agent was very unhelpful and told me that her supervisor would say the same thing. After much back and forth she finally transferred me to their bankruptcy department. The person I spoke with in the bankruptcy department immediately told me that an error had been made and that my account we be reinstated. My complaint is that 1 ) This should have never happened and 2 ) The creditor should have had a better process to deal with it.
Frequently Asked Questions
What is Complaint #13342124 about?
Complaint #13342124 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 2025-05-04T12:00:00-05:00.
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 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.