Consumer complaint received 2023-01-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I would like to file a complaint on XXXX because I have been disputing two accounts XXXX XXXX and XXXX XXXX since XXXX XXXX XXXX XXXX  results always come back Updated and XXXX has supplied me with many results over the course of my 1st initial dispute and my recent results. In every results XXXX generates for me there is NO NOTICE OF DISPUTE in the COMMENT CURRENT section in regards to each account. 

XXXX XXXX has a current comment Account paid in full for less than full balance XXXXXXXX XXXX  has a current comment Account closed at credit grantors request To my understanding in the FCRA 1681i ( a ) ( 2 ) ( A ) before the expiration of the 5 business day period beginning on the date on which a consumer reproing agency receives notice of a dispute from any consumer, the agency SHALL provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice SHALL include all relevant information regarding the dispute that the agency has received from the consumer. 

Since XXXX has generated me with results over the course of my first initial dispute regarding both of these accounts. XXXX is claiming under oath that XXXX  has sent notice of my dispute to these creditors including all relevant information. 

According to 1681s-2 ( a ) ( 3 ) these creditors have a duty to provide a notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is dispute by the consumer.

Both of these accounts DO NOT have a notice of dispute nor have ever had a notice of dispute proving that a investigation has been conducted properly by XXXX or these creditors. 

My last indirect dispute sent to XXXX was on XX/XX/XXXX was based on the fact that there was no notice of disputes in the comments sections of my report.XXXX  has generated me with results on XX/XX/XXXX and AGAIN these accounts come back updated with NO NOTICE OF DISPUTES in the comment current section. If you look at the BEFORE and AFTER results on BOTH of these accounts you will see that there has NOT BEEN ANY UPDATES nor has there been any indication that theses creditors have even reported any new information because the Balance Updated shows INCOMPLETE information. If these creditors updated information with XXXX  then the dates these creditors updated the information should reflect on the Balance Updated field. 

I DO NOT believe XXXX is following proper procedures under FCRA 1681i ( a ) ( 1 ) ( A ) and I think XXXX is just generating me results thinking I am going to give up on disputing which I am not because it is my right to dispute anything on my consumer file that I believe to be inaccurate. The way both of these accounts are reporting is INACCURATELY and INCOMPLETE and I also DO NOT believe that XXXX is following reasonable compliance procedures to assure all reported fields are to the maximum possible accuracy before preparing me a new report 1681e ( b ). 

XXXX XXXX ERRORS and INCOMPLETE information on XX/XX/XXXX results -Balance Updated INCOMPLETE -Balance INCOMPLETE -On Record Until XX/XX/XXXX INACCURATE according to the Payment History the date of deliquency was on XX/XX/XXXX XXXX dont even know if the payment history is fully accurate either. 
-Comment Current INACCURATE and INCOMPLETE ( no notice of dispute ) XXXX XXXX ERRORS and INCOMPLETE information on XX/XX/XXXX results -Balance INCOMPLETE -Balance Updated INCOMPLETE -I dont know if the payment history is fully accurate either. 
-INCOMPLETE On Record UNTIL ( required information to report 1681c ( c ) ( 1 ) ) -Original Balance does not apply to this revolving account ( INCOMPLETE CREDIT LIMIT FIELD ) -Comment Current is INCOMPLETE and INACCURATE ( no notice of dispute ) Bottom line I do not understand how XXXX can generate me with many results since my first initial dispute XX/XX/XXXX but these accounts do NOT have a notice of dispute proving there investigations were all legal and proper. These accounts still reflect inaccurate and incomplete information therefore under 1681i ( a ) ( 5 ) ( A ) ( i ) XXXX was required to delete these items a long time ago if they simply could not modify the errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief