Consumer complaint received 2018-11-19
Company: SYNCHRONY FINANCIAL
State: CO
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 submitted a complaint to CFPB about XXXX XXXX XXXX/XXXX XXXX ON XX/XX/XXXX. This complaint was apparently not sent to the original creditor ( XXXX/XXXX XXXX - but to XXXX and XXXX  only ). That complaint was in regards to a number of issues - ongoing false information being reported to credit bureaus ( XXXX  and XXXX  ) as well as complaint about unresolved billing errors by XXXX/XXXX XXXX. Along with that complaint, I also provided you ( CFPB ) with attachments/supporting documentation which clearly shows that XXXX/XXXX XXXX  has been furnishing credit bureaus with inaccurate ( false ) information and have failed to truly investigate and correct extremely obvious errors in reporting as well as for billing errors. After submitting that last complaint re XXXX XXXX/XXXX XXXX to CFPB on XX/XX/XXXX ( which according to info I received from you was then sent by to XXXX   and XXXX  ), I received a letter in the mail from XXXX re the dispute ( letter dated XX/XX/XXXX ). XXXX  informs me in this letter that they " updated '' their information based on new information furnished to them directly by XXXX XXXX/XXXX XXXX. This updated information is also completely inaccurate ( false ). They have changed dates, amounts owed, payment history, account balances/credit limits, etc. numerous times in response to previous disputes and each time the information is completely inaccurate/false. I am submitting an attachment of the info XXXX  provided me with reflecting most recent info provided to them by XXXX XXXX/XXXX XXXX. I have heard nothing from XXXX  though your website states that you closed your investigation re my complaint about XXXX. My complaint is about XXXX/XXXX XXXX and their billing errors, charging of late fees, not applying payment I made in full ( paid off the entire account to XXXX - though never credited and the account was closed by creditor. Yet, now ( please refer to attachments I am including today of XXXX XXXX " updated '' info furnished by XXXX XXXX/XXXX XXXX  ) it is being reported that I am currently carrying a balance, making payments, that my credit limit/high balance was {$3500.00} ( even though another part of my report says credit limit was {$140.00} ( this too is false - the original and only credit limit was {$700.00} ). This is what they are reporting evn though it also states that account was closed at credit grantors request in XX/XX/XXXX with a balance of XXXX. My last complaint/attachments to you was apparently not sent to XXXX XXXX/XXXX XXXX but just to XXXX  and XXXX. My complaint is directly related to XXXX XXXX/XXXX XXXX due to unresolved billing errors dating back over two years as well as ongoing furnishing of completely inaccurate information to credit bureaus, failing to investigate and correct errors - despite having more that adequate information to investigate and and make the appropriate corrections. Instead, the most recent numerous changes to my report, the " updated '' information provided to the credit bureaus ( in this case to XXXX  ) by XXXX XXXX/XXXX XXXX is ( once again ) completely inaccurate/false. I turned to CFPB previously because of the ongoing difficulties with XXXX XXXX/XXXX XXXX. I would like this issue resolved/addressed with XXXX XXXX/XXXX XXXX. This creditor ( XXXX/XXXX XXXX ) is unbelievable - I am absolutely amazed that they are allowed to conduct business in this manner while consumers go unprotected and end up paying the price. I am hoping this will finally be resolved and I can move on - otherwise, I will continue to pursue whatever additional legal avenues, etc. needed to achieve a fair resolution to my complaints ( which again are indisputable - documentation backing up each and every one of my complaints ).

Additionally ( not included in my prior complaint to CFPB ), if this is any further indication/proof of how problematic their reporting practices are ( and obviously another credit reporting violation ), XXXX/XXXX XXXX has been reporting a previous XXXX account I had that I closed myself ( always in good standing ) back in XX/XX/XXXX! This long closed account was closed at my request in XX/XX/XXXX ( originally opened in XX/XX/XXXX ). It remains on my report over 20 years after it was closed. This closed account has remained on reports from two of the credit bureaus ( and the information contained on the two credit bureau reports are both different - one credit reporting bureau stating that the account was closed in XX/XX/XXXX and the other reporting bureau reporting it was closed in XX/XX/XXXX ). This creditor will finally step up and seriously investigate my list of complaints/disputes and respond accordingly.

The following is what I submitted to you on XX/XX/XXXX regarding XXXX XXXX/XXXX XXXX ( along with the supporting attachments documentation ) : I have made repeated attempts/requests for XXXX XXXX XXXX XXXX/XXXX XXXX, as well as major credit reporting bureaus to investigate billing errors and inaccurate reporting. I have submitted disputes, made clear to creditor and credit bureaus what the errors are ( which are quite obvious ) and I repeatedly get responses to my disputes that the information they are reporting is " accurate. '' The information on my reports are clearly not accurate, yet all I get are generic form letter responses stating that info is being reported as accurate. I paid XXXX credit card online in full on XX/XX/XXXX, checking account/payment info was submitted and accepted in their system and the payment was processed. Later, I see that this payment was " rejected '' ( whatever that means - they have yet to explain this to me ) and that they were demanding payment for " unpaid, late balance. '' They continued charging late fees, interest charges, etc. XXXX XXXX repeatedly reported a number of different dates/months which they claim I was late and they currently state that I was 90 days late in XX/XX/XXXX when my first bill/payment was not even due until XX/XX/XXXX. Please refer to additional documentation for a breakdown of this situation and proof that XXXX XXXX/XXXX XXXX as well as the credit reporting bureaus have been neglectful in investigating my disputes and have been reporting a variety of inaccurate information. I have never had such a difficult time with a creditor and the credit reporting bureaus - this situation has been frustrating, distressing. I am hoping to receive some help for this issue - which has been going on for approximately 2 years now. Thank You.

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