Consumer complaint received 2018-02-06
Company: SYNCHRONY FINANCIAL
State: MA
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:
My inquires to XXXX ( Account : XXXX ), GE Capital Retail Bank ( Account : XXXX  ) and XXXX XXXX ( Account : XXXX ) confirmed that XXXX  Credit Bureau has never validated or verified the erroneous entries on my credit report pertaining to those 3 named accounts. In XX/XX/XXXX XX/XX/XXXX anXX/XX/XXXX, sent through certified mail, I mailed letters to XXXX in order to dispute the validity and reporting status of these accounts. I cited that according to section 616 and 617 of the FCRA that if these accounts were not verified, then by law they should be deleted from my credit report. Despite three written requests, the unverified accounts still remained on my credit report in violation of Federal Law. XXXX is required by federal law under the FCRA to have a copy of the original documentation on file to verify that this information is mine and is correct. In the results of the investigation XXXX stated, in writing, that additional information had been provided, and that the creditor verified to them that these items were being reported correctly. I was not informed as to what information was provided about the accounts, and more importantly, I was not provided with a copy of any original documentation. This documentation would be a consumer contract, or business agreement with my original signature on it as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA.

I followed up with a fourth dispute letter to XXXX in XX/XX/XXXX and was met with a letter from them stating that they will not reinvestigate my claim. This is also a direct violation of the FCRA when you consider the fact that they never conducted a reasonable investigation in the first place. Furthermore, XXXX   unwillingness to conduct a reasonable investigation should not be taken lightly, as attempting to work with them has caused me to lose opportunities due to these errors. I have attached several documents that will prove the following : 1. That XXXX  never requested verification or validation in the form of and original contract with my signature on it to ensure 100 percent validation/verification, as I have requested several times which is in direct violation of the FCRA.

2. That even though I filed a dispute with XXXX regarding the validity of these exact accounts, and XXXX   followed the law and deleted these invalidated accounts ; knowing this, XXXX did not conduct the reasonable investigation needed in order to make sure that their reporting of these accounts was accurate and congruent with the other Credit Reporting Agencies.

3. These companies DO NOT have any contracts with my original signature on it.

4. These companies DO NOT have a contract that states that I consented to a relationship with them, business or otherwise.

5. They DO NOT have either of these items at their physical location, or in their physical possession in the form of an original or E-Signature.

6. Again, per the FCRA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgments all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for reporting to your services could fax, mail, or email in fraudulent and erroneous account information.

I have given XXXX multiple opportunities to follow the laws and Ive even called them in order to discuss my concerns, to no avail. Please assist me with this matter, as it is very clear that these accounts should be permanently deleted from my credit report.

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