Consumer complaint received 2021-04-02
Company: SYNCHRONY FINANCIAL
State: WA
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 DONT KNOW WHO DECIDED TO CALL THIS FAIR CREDIT REPORTING! BUT THIS, EXCUSE MY LANGUAGE, IS XXXX! I WORKED INCREDIBLY HARD AT GETTING MY CREDIT SCORE TO WHERE YOU CREDIT BUREAUS CLAIM IS EXCELLENT! IN XXXX, I PAID OFF XXXX NEAR EVERYTHING! MY CREDIT WAS IMMACULATE! XXXX OF THESE ACCOUNTS, XXXX, I PAID OFF IN FULL {$1500.00}, REQUEST A NEW CARD BECAUSE IT WAS LOST/STOLEN AND THEN THEY DECIDE TO CLOSE IT! I DISPUTED THIS MATTER BECAUSE I NEVER ASKED FOR MY ACCOUNT TO BE CLOSED. XXXX SENT ME SOMETHING SAYING THEY CLOSED IT BECAUSE OF POSSIBLE FRAUD OF A STOLEN CARD??? XXXX??? AND ONLY NOW AM I SEEING THESE RESULTS OF THE DISPUTE! WELL WHAT WAS I SPENDING {$20.00} A MONTH FOR? AND, XXXX SORRY, BUT WHAT THEY REPORTED IS ABSOLUTELY FALSE! AND ON TOP OF THAT, I TOOK A NICE LITTLE HIT ON MY CREDIT SCORE SINCE THAT ACCOUNT MYSTERIOUSLY DISAPPEARED. THIS IS THE BIGGEST LOAD OF XXXX I HAVE EVER HEARD! YOU WANT TO CONTROL PEOPLES LIVES AND WHAT THEY CAN ACQUIRE OR BORROW BASED ON A NUMBER! BUT ITS A FRAUDULENT NUMBER! FROM WHERE I AM STANDING, XXXX IS THE RING LEADER FOR FRAUD! AND THATS WHO IM REPORTING! YOU HAVE NOW LOWERED MY CREDIT SCORE TO A XXXX! ARE YOU KIDDING ME? I PAY OFF AN ACCOUNT I HAD FOR YEARS AND REQUEST A REPLACEMENT CARD AND MY CREDIT TAKES A HIT??? AND I DISPUTE IT AND YOU ARE ACTUALLY GOING TO COME BACK AND TELL ME THE ACCOUNT IS VALID??? REALLY??? I DONT MISS PAYMENTS! I DONT HAVE ANYTHING IN COLLECTIONS! THE ONLY THING I HAVE DONE WRONG IS GO TO SCHOOL AND TAKE OUT LOANS, WHICH ARE ALL IN GOOD STANDING BTW! I PAID OFF ALL MY BILLS AND ACVIUBTS WERE SHUT DOWN! AND, THE LATEST, THE ENTIRE WORLD SUFFERED A PANDEMIC AND I HAD TO REFINANCE AND CONSOLIDATE JUST TO MAKE SURE I HAD A CUSHION AND WAS ABLE TO KEEP A ROOF OVER MY FAMILIES HEAD! AND NOW, BECAUSE OF YOUR FAIR REPORTING STANDARDS, YOU HAVE DROPPED MY CREDIT SO XXXX LOW THAT I CANT EVEN GET THE BANK TO LET ME BORROW A PEN TO SIGN MY NAME! WHO THE XXXX DO YOU THINK YOU ARE??? I AM THE POSTER CHILD OF SOMEONE A CREDITOR WOULD LOVE TO GIVE CREDIT TO! I PREACH TO EVERYONE I KNOW ABOUT HOW IMPORTANT IT IS! BUT REALLY, ITS FRAUD AND ITS A HUGE DEFAMATION OF CHARACTER! I AM FURIOUS! ONE LAST THING, I STUDIED DAY AND NIGHT DURING THE SHUTDOWN! I PAID FOR ONLINE TRAINING TO OBTAIN A FEW CERTIFICATIONS I NEEDED! I WROTE A BEAUTIFUL, AND QUITE ELABORATE, BUSINESS PLAN! I CREATED A BUSINESS MODEL THAT WAS COMPLETELY PAPERLESS! ALL INTEGRATIONS AND AUTOMATIONS WERE IN PLACE! I DONT THINK YOU CAN BEGIN TO IMAGINE HOW TIME, EFFORT AND ENERGY I PUT INTO TRYING TO MAKE MY DREAM A REALITY! ALL I NEEDED WAS A SMALL BUSINESS LOAN! I HAVE PUT THE WORK IN THERE TOO! BUT TO MY SURPRISE, MY CREDIT APPEARS TO BE COMPLETE GARBAGE! AND I WILL GIVE YOU ONE GUESS WHAT HAPPENED WITH MY DREAMS OF STARTING MY COMPANY! I CAN HONESTLY SAY, YOU ARE MAKING A DIFFERENCE IN PEOPLES LIVES! A TERRIBLE DIFFERENCE! OH AND IM DISPUTING YOUR FINDINGS, JUST IN CASE YOU MISSED THAT PART! AND I AM HOING TO DISPUTE EVERY INACCURACY ON MY REPORT UNTIL YOU ACTUALLY DO SOMETHING TO RECTIFY THESE PROBLEMS! THIS IS UNBELIEVABLE!

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