Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14138568
Complaint Overview
Complaint ID: 14138568
Company: Synchrony Financial
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: New York
ZIP Code: 10467
Date Received: 2025-06-17T12:00:00-05:00
Date Sent to Company: 2025-07-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Upon review of my report, I have noticed the following discrepancies that I believe are inaccurate or incomplete, and I respectfully request that they be investigated and corrected as required by the Fair Credit Reporting Act ( FCRA ) : High Credit Listed as {$0.00} I recall using this account during the time it was open, and I believe a balance was carried at some point. Reporting a high credit of {$0.00} may be incorrect. Number of Months ( Terms ) = XXXX This does not reflect the actual length of time the account was active, and may misrepresent my credit history. Payment Status = " Current '' Since this account is reported as paid and closed, the payment status should accurately reflect that. " Current '' typically refers to open accounts in good standing, which does not apply here. These inconsistencies may affect my credit profile and scoring. I respectfully request that your bureau verify this information with the furnisher ( Synchrony Bank ) and update or correct it where necessary. Please provide me with the results of your investigation and a revised copy of my credit report. Thank you for your prompt attention to this matter in accordance with the FCRA. I look forward to your response within the 30-day window allowed by federal law.
Frequently Asked Questions
What is Complaint #14138568 about?
Complaint #14138568 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 2025-06-17T12:00:00-05:00.
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.