Consumer complaint received 2023-07-19
Company: SYNCHRONY FINANCIAL
State: CA
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: Their investigation did not fix an error on your report

Complaint:
I asked XXXX to reinvestigate the XXXX XXXX and Synchrony accounts on my credit report on XX/XX/XXXX ( see letter and certified mail receipt ). I asked XXXX to fill in all of the missing data that they were reporting or to delete the accounts. I also asked them to include a personal statement if they were unable to delete the accounts, which they neglected to do. 

Specifically, I asked them to : Account name : Synchrony / XXXX XXXX Account number : XXXX High Balance : {$2600.00} Date opened : XX/XX/XXXX Under the payment history, for the months between XX/XX/XXXX to XX/XX/XXXX there is NO DATA. Then again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, there is NO DATA. That is 25 months of incomplete information on my credit report. Why is there no data for these months on the payment history? Fill in all of the data correctly or delete the entire account. 

Why is the Date of Last Activity missing? Fill in all of the data or delete the entire account. 

Why is the Date Closed missing? Fill in all of the data or delete the entire account. 

How do you explain all of this missing and inaccurate information? Fill in all of the data or delete the entire account. 


Account name : XXXX XXXX Account number : XXXX Balance : {$0.00} Date opened : XX/XX/XXXX Under the payment history, you are not reporting any payment history after XX/XX/XXXX. Instead, you filled in the following months with ND to mean NO DATA. From XX/XX/XXXX to XX/XX/XXXX there is no payment history. Then again from XX/XX/XXXX to XX/XX/XXXX there is no payment history. That is 50 months of incomplete payment history. Fill in all of the data or delete the entire account. 

Why is the Date of Last Activity missing? Fill in all of the data or delete the entire account. 

Why is the Date Closed missing? Fill in all of the data or delete the entire account. 

Why is the Balance Updated missing? Fill in all of the data or delete the entire account. 

How do you explain all of this missing and inaccurate information? Fill in all of the data or delete the entire account. 

Please note that for this account that Im disputing, unless every piece of missing data is filled in and every inconsistency and every error is accurately fixed OR the account is deleted entirely, your investigation will not resolve my dispute as to this account, and, if that is the case, here is my 100-word statement of dispute for this account that you did not correct 100 % by making it complete and accurate : Attention all readers of my credit report, I am writing to express my extreme frustration with the inaccuracies and inconsistencies found on my credit report. The information associated with this account being reported is incomplete, inconsistent, and inaccurate. I have made detailed written disputes to XXXX and requested that they correct these errors, but XXXX has refused to correct these errors or delete the account. I strongly urge anyone reading this report to disregard this account as it does not accurately reflect my credit worthiness or standing. 

XXXX finished their investigation and followed up with a report number XXXX on XX/XX/XXXX. They allegedly updated the account but failed to include my 100 word statements for both accounts.

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