Consumer complaint received 2021-02-02
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I started noticing some inaccuracies on my credit report. Then I started sending letters to the companies and the credit bureaus but after 8 frustrating months of sending letters and evidence of what was going on. I did not get any answers. Now I decided that I need to send a complaint to you all. 

I have been disputing these accounts with synchrony bank, XXXX XXXX XXXX XXXX for month to delete these accounts since XX/XX/XXXX. they have come back each time stating that the account is " certified as accurate ''. The account is still reporting incorrectly right now. I will put the evidence in an attachment so you can see for yourself. These account keeps reporting charged off plus the payment history is making my credit score continually go down. 

First, I called and reached out to the company and was told that they need more information about my account. But if they are reporting it to the bureaus, they already have all of my information. According to the payment history for this account SYNCB/XXXX XXXX  Account # XXXX as of XX/XX/XXXX up until XXXX/XXXX/XXXX they keep reporting that this account was being paid in XXXX of XXXX up until XXXX of XXXX then charged off in XXXX of XXXX but how can that be if the account was 150 days late in XXXX of XXXX? Also, how can I go from paid on time in XX/XX/XXXX then charged off in XX/XX/XXXX? Finally, when I look at the date last active for XXXX it says XX/XX/XXXX, for XXXX says XX/XX/XXXX, and XXXX  says XX/XX/XXXX this account has been re-aged and clearly a violation. Please help clear this off my credit report. 

I also saw another account from SYNCB/XXXX Account XXXX that states that this account was " certified as accurate '' How can this be since I have been asking that all the information for this account be accurate. But as I write to you now its in error and I have been disputing this account since XX/XX/XXXX. 

First the date of last active has 3 different dates : XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX. Moreover, the date of last payment was supposedly have been in XXXX of XXXX but looking at the payment history in XXXX of XXXX it says that I have been paying as agreed. How can this be when its in collection/Chargeoff? Also, according to the payment history, it says that it was CO in XXXX of XXXX, and CO in XX/XX/XXXX, XXXX  CO in XXXX of XXXX, XXXX  says paid as agreed in XX/XX/XXXX and XXXX also says it was CO in XXXX of XXXX What! this is clearly in violation of my rights. 

Please help me delete this off of my credit report. I have enclosed the evidence for all the months that I have been trying to get answers from the Credit bureaus. 

I am challenging these accounts as well XXXX XXXX : ACCOUNT # XXXX I asked for the information that showed that I was late but no answer. I just want to make sure my credit report is accurate. They have stated I was 30 days late twice. But my bank account shows that I paid them. Please have them update these late pmts to paid as agreed Collection Agency XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX This is a Fraud Account but they wont call me back. I send certified letters to XXXX and XXXX XXXX XXXX but no answer and they are reporting this on my credit report and XXXX  has not taken it off. Please help with the deletion of this error account. 


Inquires XXXX XXXX  from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX from XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX 
XXXX, MD XXXX XXXX

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 explanation