Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15103065
Complaint Overview
Complaint ID: 15103065
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: California
ZIP Code: 922XX
Date Received: 2025-08-05T12:00:00-05:00
Date Sent to Company: 2025-08-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Creditor Name : XXXX XXXX Balance : {$0.00} Condition : Closed Status : XXXX Days Late Date Closed : XX/XX/year> Account Number : XXXX XXXX XXXX ( XXXX XXXX ) : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXXXXXX : ( no incluiremos a menos que t lo autorices ) Documento de prueba : Annual Credit Report - XXXX.pdf Complaint reforzado ( en ingls ) : To Whom It May Concern : I am submitting this formal complaint against Synchrony Bank ( SYNCB/CARE CREDIT ) in relation to the inaccurate and unverifiable negative account being reported on my XXXX credit file. Account Details : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Creditor : Synchrony Bank SYNCB/CARE CREDIT Account Number Ending : XXXX Balance : {$0.00} Status : Closed XXXX Days Late Date Closed : XX/XX/year> This account is being reported with severe delinquencies ( XXXX days late ) even though the balance is {$0.00} and the account is closed, which raises questions about the accuracy and compliance with the Fair Credit Reporting Act ( FCRA ). I have never received any detailed billing statements, notices of late payments, or documentation validating these derogatory marks. Furthermore, this tradeline is not being consistently reported across all bureaus, which indicates an inconsistency and data integrity issue. Under 15 USC 1692g ( b ) and 1681s-2 ( b ), I am requesting the following : 1. Full legal validation of this account, including : - Original signed contract - Full billing and payment history - Notice of late payments - Notice of closure 2. Immediate removal of this account from my credit file if such documentation can not be provided within the time allowed by law. XXXX. A XXXX XXXX Cease & DesisXXXX XXXX XXXX demand undeXXXX XXXX XXXX 15 USC 1692c ( c ) XXXX XXXX to stop all further reporting and collection activity related to this account unless fully validated in writing. I request that this dispute be permanently recorded, this account removed if validation is not met, and that Synchrony Bank be marked as a repeat violator of credit reporting accuracy standards. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #15103065 about?
Complaint #15103065 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 2025-08-05T12:00:00-05:00.
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.