Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17971340
Complaint Overview
Complaint ID: 17971340
Company: Synchrony Financial
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Nebraska
ZIP Code: 68516
Date Received: 2025-11-27T12:00:00-05:00
Date Sent to Company: 2025-11-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Consumer : XXXX XXXX Credit Bureau : XXXX XXXX XXXX XXXX XXXX. Report XXXX : XXXX Date Generated : XX/XX/XXXX XXXX. Summary of Complaint I am filing this complaint because XXXX is reporting inaccurate, incomplete, inconsistent, and unverifiable derogatory information on my credit report, in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to properly investigate disputes 15 U.S.C. 1681s-2 ( b ) Furnishers continuing to supply inaccurate data 15 U.S.C. 1681c ( a ) Reporting obsolete or outdated negative information Despite the law, XXXX is continuing to report derogatory accounts with incorrect dates, incomplete settlement information, inconsistent statuses, and data that can not be verified. I am requesting CFPB intervention and enforcement, as XXXX actions are harming my creditworthiness. 2. Specific Problematic Accounts A. XXXX XXXX Acct # XXXX Reported as charged off with {$5900.00} written off and {$2800.00} past due. Status last updated XX/XX/XXXX, but XXXX is reporting a past-due balance as of XX/XX/XXXX a direct contradiction. This creates material inaccuracy and XXXX has failed to correct it. Violations : FCRA 1681e ( b ) : Failing to maintain accurate data. FCRA 1681i ( a ) ( 1 ) : Failing to reinvestigate conflicting information. FCRA 1681s-2 ( b ) : Furnisher supplying inaccurate updates. XXXX XXXX XXXX Acct XXXX XXXX Reported as Paid in settlement but still reflecting a Charge Off notation. Settlement accounts can not legally also display charge-off indicators after settlement is completed. Payment history shows severe delinquency even after settlement. Violations : FCRA 1681e ( b ) : Misleading and incomplete reporting. FCRA 1681i ( a ) ( 5 ) : Failure to delete unverifiable derogatory information. XXXX SYNCB/Amazon Acct XXXX XXXX Status : Paid in settlement with {$2800.00} written off. Showing charge-offs for XXXX XXXX, but the account was settled and closed. XXXX is continuing to report the pre-settlement charge-off history as active derogatory data. Violations : FCRA 1681c ( a ) : Outdated negative information. FCRA 1681e ( b ) : Failure to ensure reporting accuracy. XXXX XXXX XXXX XXXX Acct # XXXX Status : Transferred/closed with {$5000.00} written off. Charge-off history from XX/XX/XXXX to XX/XX/XXXX still reported, but furnishers have not provided verification of the accuracy of these dates or balances. Violations : FCRA 1681i ( a ) : Unverified information must be deleted. FCRA 1681s-2 ( b ) : Failure of furnisher to correct inaccurate data. 3. Additional Issues A. Multiple Incorrect Name Variations XXXX lists 10 different name variations, including misspellings and names I have never used. This increases risk of file mixing and violates : FCRA 1681e ( b ) failure to maintain accurate identifying information. B. Multiple Outdated/Incorrect Addresses XXXX is listing outdated, incorrect, and duplicate address entries. This raises risk of identity confusion and improper account association. 4. How XXXX Actions Harmed Me These inaccurate derogatory accounts are lowering my credit score. They have caused denial of credit, higher interest rates, and reputational damage. XXXX has not complied with its legal obligation to maintain accurate data nor properly investigate discrepancies.
Frequently Asked Questions
What is Complaint #17971340 about?
Complaint #17971340 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 2025-11-27T12:00:00-05:00.
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.