Credit card -- Incorrect information on your report -- Complaint #19186033
Synchrony Financial Accused of Reporting Incorrect Credit Account Status
Complaint Overview
Complaint ID: 19186033
Company: Synchrony Financial
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Florida
ZIP Code: 33162
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-02T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: medium
Incorrect information on a credit report can negatively impact a consumer's credit score and ability to obtain future credit.
Consumer Sentiment: negative
Topics: Credit reporting, Account status, Consumer protection
AI Analysis
CFPB complaint 19186033 was filed against SYNCHRONY FINANCIAL regarding Credit card (General-purpose credit card or charge card), specifically about "Incorrect information on your report". A consumer reported incorrect account status information on their credit report from Synchrony Financial, which is currently under review. The complaint was received on January 31, 2026 from Florida. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should regularly check their credit reports for accuracy and dispute any errors with the credit bureaus and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to ensure the accuracy of consumer credit information.
Regulatory Insight
This case highlights the importance of accurate account status reporting by credit card issuers to prevent consumer harm.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originated in Florida, and the resolution may be influenced by state-specific consumer protection laws.
Industry Comparison
Credit card companies are frequently subject to complaints regarding reporting inaccuracies, making this a common issue in the industry.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19186033 about?
CFPB complaint 19186033 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Incorrect information on your report", specifically "Account status incorrect". This complaint was filed against SYNCHRONY FINANCIAL on January 31, 2026.
Which company is complaint 19186033 filed against?
Complaint 19186033 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 19186033?
SYNCHRONY FINANCIAL responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 19186033 filed?
Complaint 19186033 was received by the CFPB on January 31, 2026. It was sent to SYNCHRONY FINANCIAL on February 2, 2026.
What state was complaint 19186033 filed from?
Complaint 19186033 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 19186033?
Dispute information is not available for complaint 19186033.
What product category is complaint 19186033 about?
Complaint 19186033 is categorized under "Credit card", specifically "General-purpose credit card or charge card". This is one of the product categories tracked by the CFPB.
How was complaint 19186033 submitted?
Complaint 19186033 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 19186033?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to ensure the accuracy of consumer credit information. This relates to a Credit card complaint against SYNCHRONY FINANCIAL involving "Incorrect information on your report".
How likely is complaint 19186033 to be resolved?
Resolution likelihood: mixed. The company's current response is "In progress". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19186033?
This complaint is rated as medium risk. Incorrect information on a credit report can negatively impact a consumer's credit score and ability to obtain future credit.
What regulatory actions apply to complaint 19186033?
This case highlights the importance of accurate account status reporting by credit card issuers to prevent consumer harm. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 19186033?
Consumers should regularly check their credit reports for accuracy and dispute any errors with the credit bureaus and the furnisher of the information.
Are there state-specific protections for complaint 19186033?
The complaint originated in Florida, and the resolution may be influenced by state-specific consumer protection laws. This complaint was filed from Florida.
How does complaint 19186033 compare to industry norms?
Credit card companies are frequently subject to complaints regarding reporting inaccuracies, making this a common issue in the industry.
What steps can a consumer take if their dispute with Synchrony Financial is not resolved satisfactorily?
If the dispute is not resolved, the consumer can file a complaint with the CFPB or their state Attorney General, and may consider legal action.
How long does Synchrony Financial typically have to investigate and resolve a credit reporting dispute?
Under the FCRA, furnishers generally have 30 days to investigate and respond to a dispute, with a possible extension to 45 days if the dispute is filed close to the end of a reporting cycle.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.