Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #7291814
Complaint Overview
Complaint ID: 7291814
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: Tennessee
ZIP Code: 38016
Date Received: 2023-07-22T12:00:00-05:00
Date Sent to Company: 2023-08-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello. My account has been closed 9 years ago with TJ MAXX. I do NOT owe them XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Despite my multiple attempts to contact them and fix the problem, I called the credit bureaus, XXXX and yet this company wont REMOVE my account off their file. They are using it for whatever purpose they deem to use it. By law, they must remove my account long ago but I received a letter after filing a complaint with XXXX that they do not report my account to any credit bureaus. That was NOT the solution I wanted. I even told their senior Client Affairs Specialist XXXX XXXX that my account must be removed, taken off their system completely but on tne phone he clearly told me that they have no intention of deleting my information off their system. He told me not to worry because they wont be reporting to credit bureaus but told me the company intended to keep my file, my personal information in their system. I was upset but he just hang up on me. Please help. I am helpless at this point. It feels like he is violating my rights and was blatant in disrespecting me my telling it into my fave that I cant do anything about it and that he can do whatever he wants with my information and I cant do anything about it Thank you
Frequently Asked Questions
What is Complaint #7291814 about?
Complaint #7291814 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 2023-07-22T12:00:00-05:00.
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.