Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17952299
Complaint Overview
Complaint ID: 17952299
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: Florida
ZIP Code: 32073
Date Received: 2025-11-26T12:00:00-05:00
Date Sent to Company: 2025-11-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint regarding inaccurate, conflicting, and unverifiable reporting by Synchrony Bank/Care Credit on my credit reports. The Care Credit account is being reported differently across all three credit bureaus, which indicates inaccurate furnishing of information and violations of the Fair Credit Reporting Act ( FCRA ), specifically 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 607 ( b ), and 611 ( a ). Here are the exact discrepancies : XXXX. XXXX ( XXXX Report XXXX XXXX ) : Reports the Care Credit account as a charge-off. Shows dispute language ( Completed investigation consumer disagrees ). Does NOT report any Date of First Delinquency ( DOFD ). Charge-off timeline does not match the other bureaus. XXXX. XXXX ( XXXX Report Page XXXX ) : Reports the account as a charge-off with : Balance : {$2500.00} Past due : {$2500.00} Charge-off amount : {$2500.00} Explicitly lists DOFD as XX/XX/2021, which does not appear on XXXX. Uses different dispute codes ( XXXX, XXXX ) for the same dispute. XXXX. XXXX ( XXXX Report XXXX XXXX, XXXX, XXXX ) : Does NOT report the Care Credit tradeline at all. Only shows a hard inquiry from Synchrony Bank. This means the account is either not being furnished, is incomplete, or unverifiable. Why This Is a Problem : Synchrony Bank is required to furnish accurate, complete, and consistent information to all credit bureaus under the FCRA. The account can not appear as a charge-off with a DOFD on one bureau, a different dispute notation and timeline on another bureau, and no account at all on the third. Because the data is inconsistent and unverifiable across the CRAs, it is harming my credit profile and violating the FCRA. What I Am Requesting Through the CFPB : I am asking the CFPB to require Synchrony Bank/Care Credit to : 1. Conduct a full reinvestigation of the Care Credit account. XXXX. Provide copies of the documents they are using to verify the account, including : Original signed application Full account ledger Charge-off documentation DOFD records All furnishing records sent to the bureaus XXXX. Correct the reporting across all CRAs so the data is consistent, OR 4. Delete the account entirely if they can not verify the accuracy and consistency of every detail as required under FCRA 611 ( a ) ( 5 ). Attached Evidence : I have attached the following supporting documents : Dispute letter explaining all discrepancies XXXX XXXX XXXX ( Care Credit tradeline ) XXXX XXXX XXXX ( Care Credit tradeline + DOFD ) XXXX XXXX XXXX, XXXX, and XXXX ( no tradeline present ) These documents prove the inconsistent and inaccurate reporting. Summary : Synchrony Bank is reporting inaccurate, conflicting, and incomplete information about this Care Credit account. I am requesting CFPB intervention to ensure proper reinvestigation and correction or deletion under the FCRA.
Frequently Asked Questions
What is Complaint #17952299 about?
Complaint #17952299 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 2025-11-26T12:00:00-05:00.
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.