Consumer complaint received 2017-12-17
Company: SYNCHRONY FINANCIAL
State: NC
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 emailed a debt validation letter to Synchrony Bank on or about the end of XX/XX/XXXX. I received a call on XX/XX/XXXX and I spoke with XXXX XXXX she stated she was responding to my inquiry. I received a letter dated XX/XX/XXXX from XXXX XXXX  and XXXX XXXX President, Chief Executive Officer. The letter stated " we have reviewed you accounts records and verified we have accurately reported your accounts history information to the major credit bureaus. Since we have reported accurate information pertaining to your accounts, we are unable to delete or modify the status as reported ''. I have received several credit reports from XXXX after disputing this account and it continues to show the same inaccurate reporting information. I continue to dispute with XXXX and they always say account verified. The letter dated XX/XX/XXXX states that the XXXX account XXXX was open XX/XX/XXXX. The open date on XXXX is reported as XX/XX/XXXX. That would not be accurate reporting if the opening is reporting XX/XX/XXXX and not XX/XX/XXXX as Synchrony and XXXX XXXX stated in the letter dated XX/XX/XXXX. Your letter stated that the last payment received was on XX/XX/XXXX and XXXX show XX/XX/XXXX has a 30 day late and a 30 day late for XX/XX/XXXX. According to your letter that you have been reporting correctly. That would not be accurate reporting if XXXX show XX/XX/XXXX reported a 30 day late. That would mean no payment was received for XX/XX/XXXX according to the credit report that is currently being reported to XXXX. You stated you charged off the account in the amount of {$950.00} on XX/XX/XXXX. That charge off amount is not reported on XXXX  file. That would be inaccurate information you have the status as chargeoff but no amount. You have a high credit of {$950.00} but no credit limit. That would be inaccurate reporting, how do you have a high credit with no limit. I am sure Synchrony Bank you are going to say you are reporting correctly but XXXX credit report reports say different. I am sure that you know that all information reported to the credit bureaus by law are to be reported accurately. I can fax you the credit report I currently have from XXXX that validates this Inaccurate reporting. I want this account deleted from my XXXX, XXXX and XXXX. I have had several disputes with XXXX as recent as XX/XX/XXXX that information is being reported inaccurate based on the information from Synchrony Bank and XXXX credit file. I am not sure how Synchrony Bank validates accounts but this one is not being reported accurately. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. I am requesting this account be deleted from XXXX, XXXX and XXXX Inaacurate reporting.

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