Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #17928673
Synchrony Financial Fails to Correct Credit Report Error After Investigation
Complaint Overview
Complaint ID: 17928673
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: Texas
ZIP Code: 75201
Date Received: 2025-10-31T12:00:00-05:00
Date Sent to Company: 2025-12-12T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The company's failure to investigate and correct a credit report error can lead to ongoing financial harm and damage to the consumer's creditworthiness.
Consumer Sentiment: negative
Topics: Credit reporting, Errors, Investigation
AI Analysis
CFPB complaint 17928673 was filed against SYNCHRONY FINANCIAL regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Problem with a company's investigation into an existing problem". A consumer reported an error on their credit report to Synchrony Financial, but the company's investigation failed to correct the issue. The complaint was received on October 31, 2025 from Texas. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should keep detailed records of all communications with credit reporting agencies and lenders, and consider sending a certified letter to dispute errors.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers to investigate disputes within a reasonable time, typically 30 days.
Regulatory Insight
Furnishers like Synchrony Financial must conduct reasonable investigations into disputed information and correct any inaccuracies found.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Texas, consumers have rights under state law in addition to federal protections regarding credit reporting.
Industry Comparison
This issue is common across the credit reporting industry, where errors can persist despite consumer disputes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 17928673 about?
CFPB complaint 17928673 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Problem with a company's investigation into an existing problem", specifically "Their investigation did not fix an error on your report". This complaint was filed against SYNCHRONY FINANCIAL on October 31, 2025.
Which company is complaint 17928673 filed against?
Complaint 17928673 was filed against SYNCHRONY FINANCIAL. You can view all complaints against this company on their profile page at /company/synchrony-financial.
What was the company's response to complaint 17928673?
SYNCHRONY FINANCIAL responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 17928673 filed?
Complaint 17928673 was received by the CFPB on October 31, 2025. It was sent to SYNCHRONY FINANCIAL on December 12, 2025.
What state was complaint 17928673 filed from?
Complaint 17928673 was filed from Texas. You can view all complaints from this state at /state/TX.
Was the consumer satisfied with the resolution of complaint 17928673?
Dispute information is not available for complaint 17928673.
What product category is complaint 17928673 about?
Complaint 17928673 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 17928673 submitted?
Complaint 17928673 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 17928673?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers to investigate disputes within a reasonable time, typically 30 days. This relates to a Credit reporting or other personal consumer reports complaint against SYNCHRONY FINANCIAL involving "Problem with a company's investigation into an existing problem".
How likely is complaint 17928673 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 17928673?
This complaint is rated as medium risk. The company's failure to investigate and correct a credit report error can lead to ongoing financial harm and damage to the consumer's creditworthiness.
What regulatory actions apply to complaint 17928673?
Furnishers like Synchrony Financial must conduct reasonable investigations into disputed information and correct any inaccuracies found. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 17928673?
Consumers should keep detailed records of all communications with credit reporting agencies and lenders, and consider sending a certified letter to dispute errors.
Are there state-specific protections for complaint 17928673?
In Texas, consumers have rights under state law in addition to federal protections regarding credit reporting. This complaint was filed from Texas.
How does complaint 17928673 compare to industry norms?
This issue is common across the credit reporting industry, where errors can persist despite consumer disputes.
What steps can a consumer take if a credit reporting agency or furnisher fails to resolve an error after an investigation?
A consumer can file a complaint with the CFPB, the FTC, or their state Attorney General. They may also have grounds to sue the company for damages under the FCRA.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.