Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9154004
Complaint Overview
Complaint ID: 9154004
Company: Synchrony Financial
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: California
ZIP Code: 92335
Date Received: 2024-06-02T12:00:00-05:00
Date Sent to Company: 2024-06-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the inaccuracies present in my credit report across the three major reporting agencies- XXXX, XXXX, and XXXX. The Fair Credit Reporting Act ( 15 USC 1681 ) explicitly states that information can not be reported without my consent. It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security of their non-public personal information. In my credit report, I have identified discrepancies concerning an account with SYNCB/AMZNSC. XXXXXXXX reports the account as being opened on XX/XX/2022, while XXXX and XXXX report different open dates- XX/XX/2022. This inconsistency is both inaccurate and detrimental to my credit profile. I request the immediate removal of this item from my credit report. Furthermore, XXXX and XXXX report a credit limit of {$300.00} for this account, whereas XXXX reports the credit limit as {$0.00}. These discrepancies in credit limit information across the reporting agencies further compound the inaccuracies in my report. The laws 15 USC 1681n and 15 USC 1681o are vital in defending my claims. These provisions outline the civil liabilities for willful and negligent noncompliance with the Fair Credit Reporting Act, emphasizing the importance of accurate reporting by the credit reporting agencies. The continued reporting of inaccurate information despite my dispute suggests willful noncompliance ( 15 USC 1681n ) and/or negligent noncompliance ( 15 USC 1681o ). Additionally, 16 CFR 313 and 16 CFR 313.7 are pertinent to my claims. These regulations pertain to the privacy of consumer financial information and mandate accurate reporting to ensure consumer privacy rights are upheld. Reporting inaccurate information without my consent infringes upon my privacy rights, and these regulations mandate the protection and accuracy of such information. It is also noteworthy that while XXXX and XXXX report this account with a high credit limit of {$250.00}, XXXX inaccurately reports the credit limit as {$300.00}. This disparity in reporting further emphasizes the urgent need for correction.
Frequently Asked Questions
What is Complaint #9154004 about?
Complaint #9154004 was filed against Synchrony Financial regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-06-02T12:00:00-05:00.
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 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.