Consumer complaint received 2022-10-13
Company: SYNCHRONY FINANCIAL
State: FL
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:
Today at XXXX I attempted once again to speak to someone ( XXXX XXXX at SYNCPB/PPC Paypal credit as this appears on my credit report. I have already provided previous information to my Credit Bureaus, namely XXXX as well as the other XXXX. They have refused to properly investigate and have simply sent an effortless response saying that they investigated and that this shows as belonging to me. 
I was told that my account has a {$0.00} balance and was closed. I responded that it was I that requested it be closed but was told that they closed it due to delinquency. This was not the case as I remember it. However, I'm not sure if this minor fact is relevant. I expressed my point that I had made a significant payment of nearly {$1800.00} and that no balance had remained. All my payments were made on time. But somehow, XXXX accounts which appear to be the same account have been reported twice to my credit report significantly impacting my credit score twice more than justified. I even made another payment XX/XX/XXXX in order to prevent any further complications and to mitigate any error in my power. I requested the proper address of the department which is responsible for reporting this error and was told that it is NOT POSIBLE FOR ME TO BE GIVEN THAT INFORMATION. THIS IS EXTREMELY UNFAIR AND LEAVES NO OR LITTLE OPTIONS TO CORRECT THIS ERROR. This is a violation of my consumer rights and circumvents any ability I have to help correct this. I requested that this be corrected immediately and I was told that it was not possible. How can this be? I am left with no option and no remedy to correct this except to rely on the credit bureau- which as we can see will only side wit the merchant /company that reports this in obscurity. Please assist me. This has dropped my credit score significantly where it remains in an area range hopeless to obtain further credit or further participate in commerce related to credit despite a good credit history with several other accounts. This negative consequence is disproportionate and deserves legal action. 
ATTACHED : Shows a further attempt to make an additional payment of {$27.00} in XXXX. I had a XXXX balance before this. I closed my account in XXXX to help ensure that there there was no further issue and in order for me to narrow down where this such error may be occurring. So my Balance is {$0.00} but yet somehow this merchant still reports me as late for XXXX. How is this possible? ( The additional merchant on this attachment is addressed in a separate complaint I have submitted very recent ). Further, I was promised today that I would receive an email confirmation reflecting a {$0.00} balance by SYNCPB/PPC this merchant in question but still have not received it so that I may include it in this complain herein submitted.

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 non-monetary relief