Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (VA)

This company has violated my rights so many times and I am reaching out for a final resolution before I take legal action. XXXX has yet again and still remains to report INACCURATE information. Before I take legal action I will point out AGAIN for the sixth time ( I have disputed with XXXX over seven times when it came tot his specific account and no resolution because synchrony is stating its reporting accurate when its not ).

I will provide the list of inaccuracy one by one so I can briefly explain the laws that are being violated and why I will be taken legal action if this is not fixed. 
- This account has been written off and I have not received no type of 1099c form for this account. major violation - This account shows as a charged off account but reporting monthly charge offs- charge offs are only reported ONCE not the day it charges off. It does not report MONTHLY, that Is also INACCURATE, - This account also has a balance shown on the collection which should be zero if it is being reported to credit and have been written off.

I have disputed this account so many time for inaccurate information this needs to be resolved immediately. No I do not want an updated credit report stating updated balance to zero I WANT THIS ACCOUNT REMOVED. I disputed this account to many time and also kept track for each dispute and there response knowing they were violating my rights! 
I will also list below a few laws I was informed by my legal representative. 
XXXX XXXX XXXX ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ), and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), I am entitled to request and receive complete and accurate documentation to verify the accuracy and legality of this account 's reporting. Additionally, under. Virginia XXXX, I am requesting proper validation of this debt. 
I would like to highlight several cases that affirm my right to dispute this information and request accurate reporting. In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), the court emphasized the duty of credit reporting agencies and furnishers to ensure the accuracy of the information reported on consumers ' credit reports. Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX. XXXX ) reinforces the requirement that furnishers conduct proper investigations into disputes and verify the accuracy of their reporting. 

If this debt has been forgiven, written off, canceled, or settled for less than the full balance, I am requesting a copy of the 1099-C form filed with the IRS, which is required if the amount of canceled debt exceeds {$600.00}. If you have not provided this documentation, the debt may be considered discharged, and it should no longer be reported as owed on my credit report. ( this account shows as written off and no 1099c provided! ) The IRS has clearly outlined the requirements for filing a 1099-C form under 26 U.S.C. 6050P, which applies when a debt of {$600.00} or more is discharged or forgiven. If you have failed to file this form, the continued reporting of this debt may be fraudulent.- as fraudulent information must removed in 4 days!

There has ben multiple violations with this account with synchrony I will be filing with other agencies because this has been going on to long. They even gave my information that id did not consent to another third party who collects on their behalf! I did not give them permission to obtain my information, I will not contact first source advantage because on my credit it shows synchrony which is inaccurate for reporting monthly charge off no 1099c and more!

I will also list more violations 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify below I will attach the information again and the response they gave me to the cfpb complaint previously and showing f the inaccurate reporting! the account rates written off no 1099c so im requesting that and for it to be removed immediately!