Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14675634
Complaint Overview
Complaint ID: 14675634
Company: Synchrony Financial
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: North Carolina
ZIP Code: 28227
Date Received: 2025-07-15T12:00:00-05:00
Date Sent to Company: 2025-07-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Although the account is reported as Paid, Closed on my credit report, I respectfully ask that it be removed early as a goodwill gesture. I paid the account to protect my credit during a critical time while finalizing a home purchase. The account was closed at the credit grantors request, and I would deeply appreciate your assistance in removing this item from XXXX, XXXX, and XXXX to reflect my current financial responsibility. Fraudulent Origin Opened with Incorrect Address ( FCRA 605B ) These accounts were opened with an address that does not belong to me, qualifying them as identity theft under the Fair Credit Reporting Act. Under 15 U.S.C. 1681c-2 ( FCRA 605B ), I am requesting a permanent block and deletion of this information from my file. Inaccurate Payment History Reporting False Delinquencies ( FCRA 1681s-2 ( a ), 1681e ( b ) ) The tradelines show late payments for XX/XX/year> and XX/XX/year>, even though the account status is Paid, Closed and my statement says Never Late. This is factually incorrect and violates XXXX obligation to maintain accurate, complete, and up-to-date data under 1681e ( b ). Violation of Furnisher Accuracy Requirements ( FCRA 1681s-2 ) XXXX and the other creditor are continuing to furnish incorrect information despite the accounts being fully paid and disputed. This violates their duty under 1681s-2 ( a ) to not report information they know or have reason to believe is
Frequently Asked Questions
What is Complaint #14675634 about?
Complaint #14675634 was filed against Synchrony Financial regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-07-15T12:00:00-05:00.
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.