Credit card or prepaid card -- Incorrect information on your report -- Complaint #4880094
Complaint Overview
Complaint ID: 4880094
Company: Synchrony Financial
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Incorrect information on your report
Sub-Issue: Personal information incorrect
State: Georgia
ZIP Code: 30083
Date Received: 2021-11-05T12:00:00-05:00
Date Sent to Company: 2021-11-06T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am a natural person and consumer who has received unfair treatment by Synchrony and its business affiliate, a well known hardware merchant. In a previous CFPB complaint, XXXX, Synchrony pledged to remove the fraudulent inquiry made on my consumer report on XX/XX/2021. This was to be completed within 60 days of my complaint however, the inquires still remain on my consumer reports. Pursuant to 15 USC 1681b, Synchrony received my consumer report but has no written instructions from the consumer ( me ) to whom it relates. This constitutes a violation of Title 15, Chapter 41. Synchrony also violated 15 USC 1681d and 1611 as they caused to be procured an investigative consumer report and did not accurately disclose to the consumer ( me ) that such report would be made. This too constitutes a violation of the Title 15, Chapter 41. Sychrony continued to report that they made a fraudulent inquiry on my consumer report well past the date they claimed they would remove the inquiry in CFPB complaint XXXX. Synchrony is in violation of 15 USC 1611, by continuing to report false and inaccurate information to consumer reporting agencies, therefore ruining my reputation and defaming my character.
Frequently Asked Questions
What is Complaint #4880094 about?
Complaint #4880094 was filed against Synchrony Financial regarding Credit card or prepaid card specifically about Incorrect information on your report. It was received by the CFPB on 2021-11-05T12:00:00-05:00.
How did Synchrony Financial respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 card or prepaid card) 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.