Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15763065
Complaint Overview
Complaint ID: 15763065
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: Their investigation did not fix an error on your report
State: Florida
ZIP Code: 34787
Date Received: 2025-09-05T12:00:00-05:00
Date Sent to Company: 2025-09-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I discovered a charge-off account on my credit report that I believe is inaccurate and incomplete. Since noticing this, I have submitted multiple formal disputes to both the creditor/furnisher and the credit reporting agencies, requesting a thorough investigation and validation of the debt. Despite these repeated efforts, the creditor has failed to provide any substantive verification, such as the original signed contract, detailed payment history, or evidence that the debt is valid and belongs to me. Instead, I have only received generic or stall responses that do not address the specific issues I raised. The inaccurate charge-off status, incorrect balances, and inconsistent reporting continue to appear on my credit report, which is negatively impacting my credit score and financial opportunities. This ongoing failure to investigate and correct the errors violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws.
Frequently Asked Questions
What is Complaint #15763065 about?
Complaint #15763065 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 2025-09-05T12:00:00-05:00.
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.