Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5112586
Complaint Overview
Complaint ID: 5112586
Company: Synchrony Financial
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Washington
ZIP Code: 986XX
Date Received: 2022-01-15T12:00:00-05:00
Date Sent to Company: 2022-01-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
In XXXX I was in a tractor-trailer rollover at work and sustained a XXXX XXXX XXXX! I now see double and am XXXX because of it. Washington state took my XXXX away in fact making me jobless. In XXXX Washington retrained me as an XXXX XXXX XXXX XXXX In XXXX Covid took my job away because no one wanted a XXXX XXXX in their house XXXX XXXX XXXX XXXX! I have pretty much been jobless since. I had to file bankruptcy, when I filed for bankruptcy the companies involved took everything off my credit report, and then when my bankruptcy was final they put it back on my credit report. Now they wont take it off! Both companies are listed in my credit history and included in the bankruptcy so in fact I am getting docked points off my credit score not only for the bankruptcy but also for the two companies involved in the bankruptcy. I have asked them to take it off and they wont! One, is XXXX XXXX XXXX, the other is XXXX Bank! And my problem is that Im getting docked twice for the same thing. one is listed as a bankruptcy and the other two are listed so that they can put dismissed through bankruptcy chapter 7 in my report. So Im getting docked for the XXXX listing the XXXX XXXX listing and the bankruptcy listing. Is not this like getting punished twice for the same crime?
Frequently Asked Questions
What is Complaint #5112586 about?
Complaint #5112586 was filed against Synchrony Financial regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2022-01-15T12:00:00-05:00.
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.