Consumer complaint received 2019-10-17
Company: Synovus Bank
State: NV
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:
To whom it may concern, I have been in an uphill battle that has gotten nowhere for months now with First Progress ( Credit Card ). The issue at hand is that this company has took it upon themselves to report fraudulent and incorrect information on an account that they can not and have not verified to even belong to me. I frequently check my credit report and also have the credit monitoring set up with alerts. I noticed that First Progress has deleted this account, then replaced and falsely updated information on my credit file. As to date this account is showing " closed '' with a balance of {$200.00} on my credit file with delinquent and late payments reporting recently. Please note and be aware that it also shows that this account was closed in XX/XX/XXXX! 

I have asked the creditor to prove and/or provide a contract or some sort of binding agreement that clearly states that this account belongs to me, and they have on multiple occasions failed to do so and have yet to do so. Not only is this account hindering my credit file and livelihood but the creditor has the audacity to be reporting inaccurate and fraudulent information which under the FCRA is not legal or allowed. The FCRA Section 623 A & B clearly states that ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

Upon First Progress breaking the FCRA agreement and not being able to provide the requested information, this item on my credit file BY LAW should be deleted immediately from my credit file asap. To give you a clear picture on the inaccuracy of this item and the fraudulent information reported by this company I have listed a detailed outline of the information reported. 

Account Status : Closed as of XX/XX/XXXX Credit Limit : {$300.00} Status : Past Due 180 Days Updated : XX/XX/XXXX Past Due Amount : {$200.00} Highest Balance : $ 504 Monthly Payment : {$200.00} Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 


If you will please notate that the above referenced is also reporting as 120 day late ( s ) and failure to pay ( s ) on a CLOSED account, which should not and is not even possible being that the account is stated to be closed since XX/XX/XXXX! Also the creditor reports this account as having a balance of {$200.00} and a monthly payment of {$200.00}? ( how is that even possible? ). I don't know if the negligence of this creditor to furbish and report such untruthful and unlawful information can become any greater or outlandish, but this is not acceptable and needs to be removed from my credit file at once due to the lack of honesty, non verification of the item actually even belonging to me and correct information from First Progress. I want  this item removed from my credit file within 30 days since there is no verification between creditor and consumer and having incorrect information being reported.

Company response to consumer: Closed with explanation