Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #7372012
Complaint Overview
Complaint ID: 7372012
Company: Synchrony Financial
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Texas
ZIP Code: 77044
Date Received: 2023-08-08T12:00:00-05:00
Date Sent to Company: 2023-08-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX I sent out a USPS-certified Notice of Dispute letter to Synchrony Bank . Here is the tracking number XXXX. With my credit report cause I notice there was inaccurate and missing information being reported on my credit report. I received a letter back from Synchrony Bank on XX/XX/XXXX reinsuring me that they reviewed my account and verified it is accurately being reported. On XX/XX/XXXX I pulled my credit report again to see if there is still inaccurate and missing information being reported on my credit report. The account number is not being reported accurately. On Account Type - Details they are reporting on XXXX as a charge off but on XXXX it's reporting as incomplete. On Account Status it's being reported on both credit bureaus as " Paid '' but still reporting as a charge-off. The date opened is inconsistent between both bureaus. High Credit is being reported as inconsistent. The credit limit is being reported as inconsistent. On XXXX, it is being reported as " Last Reported " on XX/XX/XXXX, and on XXXX is being reported as XX/XX/XXXX even though I sent a certified Notice of Dispute on XX/XX/XXXX. The last day active and the date of the last payment are inconsistent across both credit bureaus. Payment history is being shown as incomplete and inconsistent.
Frequently Asked Questions
What is Complaint #7372012 about?
Complaint #7372012 was filed against Synchrony Financial regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2023-08-08T12:00:00-05:00.
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.