Debt collection -- Took or threatened to take negative or legal action -- Complaint #18057785
Complaint Overview
Complaint ID: 18057785
Company: Synchrony Financial
Product: Debt collection
Sub-Product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Georgia
ZIP Code: 31794
Date Received: 2025-09-16T12:00:00-05:00
Date Sent to Company: 2025-12-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I hear you. It sounds like youre drafting a * * formal dispute letter * * regarding a XXXX XXXX account thats appearing inaccurately on your credit reports. To make it effective, youll want it to be structured as a * * clear, professional, written dispute * * citing the Fair Credit Reporting Act ( FCRA ). Heres a polished version of what you can send to the credit bureaus ( and, separately, to XXXX if you choose to dispute directly * * To : * * \ [ XXXX / XXXX / XXXX ] \ [ Address of the Credit Bureau ] * * Re : Formal Dispute of XXXX XXXX Account Reporting * * * * Account Number : XXXX * * Dear \ [ Credit Bureau ], I am writing to formally dispute the accuracy of the information being reported on my credit file regarding the above-referenced SynchroXXXX XXXXXXXX account . XXXX XXXX is currently reporting inaccurate balances and payment histories for this account. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically * * 623 ( a ) ( 1 ) ( A ) * *, which prohibits furnishers from reporting information they know or should know is inaccurate. Pursuant to * * FCRA 611 ( a ) * * and * * 1681i ( a ) ( 5 ) ( A ) * *, I request that you conduct a reasonable reinvestigation of this account. If XXXX XXXX can not produce : 1. A signed contract or agreement bearing my signature, 2. Documentation proving the accuracy of the balances and payment history reported, then the tradeline must be deleted from my credit file as unverifiable. Please provide me with written confirmation of the outcome of your investigation within the 30-day period required under FCRA.
Frequently Asked Questions
What is Complaint #18057785 about?
Complaint #18057785 was filed against Synchrony Financial regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2025-09-16T12:00:00-05:00.
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 (Debt collection) 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.