Consumer complaint received 2018-03-01
Company: SYNCHRONY FINANCIAL
State: MO
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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX or around thereafter I asked the company to please remove the account from my credit report as it has been discharged and it will help my credit to have it removed. It is in the amount of {$450.00}. The company then told me I have to wait 10 years for it to fall off unless they pass it on to a debt collection agency. I had spoke with them about me having problems paying the bill because I just got out of the hospital and I am not going to be able to return to work. They still refused to work with me. 
XX/XX/XXXX or around thereafter I called the debtor to explain that I just got out of the hospital and I was not going to be able to return to work and asked if there was anything or anyone that could help me pay my bill. They stated there was not it was not their problem and had I taken the insurance for if i couldnt pay my bill due to unability to work then the bill might have been taken care of ( bill in the amount of {$550.00} ).  They did charge it off, I called them back and asked them if they could now remove it from my credit report and they refused ( same wait 10 years unless a collecter picks it up ). 
I found out in XXXX sometime that a tv service that i shopped with cancelled my card but never gave me a reason. I didnt owe them a dime so I asked if they could remove this mark from my credit report since it wasnt a bad remark. They like everyone else told me the same story wait 10 years. 
Around XX/XX/XXXX I contacted a credit card company about a balance I had on a card in the amount of {$400.00} and something. I explained to them that I just got out of the hospital and I was not able to return back to work could they assist me in finding help to pay off my bill? No ma'am I'm sorry we can not. You will just have to make payments ( how could i do that with no money ). Then I found out they discharged my account so I tried through them at the " top of the ladder '' per se to see if they would remove the bad remark from my report, again " ma'am please wait 10 years unless a debt collecter picks it up ''. 
In XXXX I opened an account with a card company and when I recieved the paperwork for the card and saw the interest rate I called them and told them to please cancel my card. I owe ( XXXX  ) nothing, never used it. No problem they say..Its still on my report as a bad mark. 
In XXXX I believe I filed for a discharge on my loans for school because I was not able to go back, nor pay them back. I was deemed XXXX. I was approved. They are still on my report and still being told I have to wait for them to fall off. One says its a medical bill but its not. 
Last but not least there is an address on my report that I have tried and tried to get removed as I have never lived there. It is still there. That is not me and I have never left this town. Nor would I ever live in that town. 
XXXX what do I really have to do to get something done. These are hurting me.

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