Consumer complaint received 2018-08-20
Company: SYNCHRONY FINANCIAL
State: TX
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

Complaint:
I have previously disputed my accounts with XXXX  XXXX XXXX, XXXX, XXXX XXXX ( car loan ), XXXX, XXXX XXXX  and XXXX XXXX indicating the creditors have consistently reported inaccurate information yet they have replied stating to the past disputes, the information is correct. 

XXXX  XXXX XXXX : to name of few of the inaccuracies : XXXX XXXX XXXX reported to XXXX XXXX and XXXX the account was charged off XX/XX/XXXX and reported to XXXX  the account was charged of XX/XX/XXXX. XX/XX/XXXX the creditor reported to XXXX XXXX payment ok, XX/XX/XXXX the creditor reported to XXXX   30 days late, XX/XX/XXXX the creditor did not report to XXXX. It appears when the disputes were received via the credit and or CFPB the creditor did not take the time to compare all of my credit files. Because of these inaccuracies, my credit scores vary on each of my credit files and over the years I have been denied credit depending on which credit report is requested by the creditor I've applied for a credit card or a loan. 

XXXX : The creditor reported to XXXX XXXX and XXXX the account was charged off XX/XX/XXXX and in XXXX reported the account as a charge off to XXXX. How can this possibly be fair credit reporting. In addition, the creditor reported to XXXX XXXX the account 120 days past due XX/XX/XXXX through XX/XX/XXXX, the creditor then reported the account 180 days XX/XX/XXXX, then went back to reporting the account 150 days past due ... It appears when the disputes were received via the credit and or CFPB the creditor did not take the time to compare all of my credit files. Because of these inaccuracies, my credit scores vary on each of my credit files and over the years I have been denied credit depending on which credit report is requested by the creditor I've applied for a credit card or a loan. 

XXXX XXXX : XX/XX/XXXX the creditor reported the account as being a charge off to XXXX XXXX, XX/XX/XXXX a charge off to XXXX, for XXXX it my credit files states the account is a charge off however it doesn't state when. XX/XX/XXXX the creditor reported the account late 60 days to XXXX XXXX, XX/XX/XXXX the creditor reported the account to be OK, XX/XX/XXXX reported to XXXX the account was late 60-89 days. How can the account be late to 2 and not late to the other. This is sloppy and unfair reporting. For XX/XX/XXXX, the creditor reported the same as they did in XXXX and reporting remained to be inconsistent. 

XXXX XXXX : XXXX and XX/XX/XXXX the creditor reported the account to XXXX XXXX as a charge ; XXXX and XX/XX/XXXX is when the creditor reported the account to be a charge off to XXXX  ; it was not until XX/XX/XXXX that the creditor reported the account as a charge off to XXXX. With regards to late reporting : XX/XX/XXXX the creditor reported the account as ok to XXXX XXXX, Good standing to XXXX  and 30-59 days late to XXXX ; XX/XX/XXXX they reported 30 days late to XXXX XXXX, OK to XXXX  and 60-89 days late to XXXX ; XX/XX/XXXX the creditor reported OK to XXXX XXXX and XXXX and 90-119 days late to XXXX  ; XX/XX/XXXX the creditor reported OK to XXXX XXXX, 30 days late to XXXX and 120-149 days late to XXXX. This is very inconsistent and unfair reporting. It appears when the disputes were received via the credit and or CFPB the creditor did not take the time to compare all of my credit files. Because of these inaccuracies, my credit scores vary on each of my credit files and over the years I have been denied credit depending on which credit report is requested by the creditor I've applied for a credit card or a loan. 

Because of theses inconsistencies, I am requested all of the mentioned creditors remove their tradeline from all 3 of my credit files.

See attached spreadsheet for all of the inconsistencies.

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