Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4340362
Complaint Overview
Complaint ID: 4340362
Company: Synchrony Financial
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Louisiana
ZIP Code: 701XX
Date Received: 2021-04-30T12:00:00-05:00
Date Sent to Company: 2021-04-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Sir/Madam, I have disputed this account with XXXX XXXX XXXX and Synchrony Bank, which is the original creditor, the account number is XXXX. The XXXX failed to validate the debt and they sent the debt back to the original creditor. Suddenly, I received a XXXX form in the mail from Synchrony Bank, which I was really confused who acquire the debt was it, XXXX, or Synchrony Bank. Which a XXXX and Synchrony Bank both are reporting on my credit report from all bureaus with balances showing. However, I sent the original creditor a letter stating that the debt should not be reporting on my credit if I filed the loss on my taxes. ( See Attached letter from Synchrony bank ), which I do not agree to. This debt must be removed from all three credit bureaus.
Frequently Asked Questions
What is Complaint #4340362 about?
Complaint #4340362 was filed against Synchrony Financial regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2021-04-30T12:00:00-05:00.
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, credit repair services, 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.