Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX My Date of birthday is : XX/XX/XXXX My Social Securite Number 's is : XXXX Phone Number is : ( XXXX ) XXXX Dear CFPB, I have tried multiple times to resolve inaccuracies through XXXX, XXXX and XXXX and directly with SYNCB/TJX COS and have not gotten any resolution for the glaring errors on my credit report. I have been ignored each time and in my opinion, SYNCB/TJX COS XXXX XXXX, XXXX and XXXX have not followed the Fair Credit Act. 
They keep updating me with incomplete and inaccurate information. I have been a victim of the FCRA 's mishandling. This time I am disputing inaccurate, missing, and unverified information through the CFPB. I am entitled to 100 % accurate and correct credit because the FCRA requires it. 

I am requesting that you and the furnishers do a full investigation of the following accounts that I am disputing. Please send a copy of this letter to each furnisher and want you ( and each furnisher ) to do a proper investigation as required by the law. To be clear, I am not asking you to ignore my letter or to send me silly form letters back refusing to investigate. 
Instead, I'm asking you to take this very seriously as I take the accuracy of my credit reports very seriously. It is vital that I have accurate and complete credit reports with all the information verified. 

On my reports, there is contradictory, incomplete, and incorrect information that can not be verified. 
I don't know if this is because the furnishers, who are unreliable sources of information, are giving you false information or whether you are doing a poor job of reporting the data. Either way, now is your chance to do the right thing and it is now the opportunity for the furnishers to do the right. 

For each account I list, make the information 100 % complete and accurate ( and verifiable ) or delete the entire account. 

I want you to thoroughly and properly investigate each and every account described below and investigate each and every error or missing information that I point out to you. And if there are errors or incomplete information, then correct them or delete the entire account. 

I'll identify each account and specifically what I believe is wrong. I appreciate you properly investigating all the items I've identified below. Fix each and every error ( including incomplete information ) on every account or delete all accounts that you will not correct. And make sure you are not just hiding information from me- I want to see everything in my file disclosure, and I want everything in my file to be 100 % accurate and complete, and verifiable. 


Account Account Name : SYNCB/TJX COS Account Number : XXXX Balance : - Date Opened : XX/XX/XXXX Errors : 1-Under the account information you report that the account opening date was XX/XX/XXXX but in the Payment History you report that the first activity was in XX/XX/XXXX, is the date for day opening incorrect in the account information? or is it incorrect the day openin in the Payment History? which is correct?, Fix this or delete the entire account.

2-Where is the recent payment?, why is it not reported?, why is
it Empty?, Under the account information in Status, the account appears as Paid, Closed. XXXX written off. If the account was paid, how much did I pay?, Report a recent payment date or delete the entire account. 

3-Under the account information you have a credit limit of {$200.00}, how can I have a credit limit if the account is closed, Fx this or delete the entire account.

4-Under the Payment history guide you report that I have a 30-day delay in XX/XX/XXXX, but in the payment history you report that in XX/XX/XXXX I have a 60-day delay, is the Payment history guide incorrect? or is the payment history incorrect?, Which is correct? Fix this or delete the entire account. 

5-Under the Payment history guide you report that I have a 60-day delay in XX/XX/XXXX, but in the payment history you report that in XX/XX/XXXX I have a 90-day delay, is the Payment history guide incorrect? or is the payment history incorrect?, Which is correct? Fix this or delete the entire account XXXX-Under the Payment history guide you report that I have a 90-day delay in XX/XX/XXXX, but in the payment history you report that in XX/XX/XXXX I have a 120-day delay, is the Payment history guide incorrect? or is the payment history incorrect?, Which is correct? Fix this or delete the entire account. 

XXXX-Under the Payment history guide you report that I have a 120-day delay in XX/XX/XXXX, but in the payment history you report that in XX/XX/XXXX I have a 150-day delay, is the Payment history guide incorrect? or is the payment history incorrect?, Which is correct? Fix this or delete the entire account. 

XXXX-Under the Payment history guide you report that I have a 150-day delay in XX/XX/XXXX, but in the payment history you report that in XX/XX/XXXX I have a Charge Off, is the Payment history guide incorrect? or is the payment history incorrect?, Which is correct? Fix this or delete the entire account. 

XXXXUnder the Payment history guide it reports that this account is in Charge Off as of XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, this doesn't make sense, you are reporting incorrect information, where is XXXX, XXXX, XX/XX/XXXX?, Fix this or delete the entire account. 

XXXXUnder Payment History you report the first date of activity in XX/XX/XXXX but in Balance Histories you start reporting from XX/XX/XXXX, why don't you report XXXX? Is the Payment History incorrect? or is the Balance History incorrect? Which is correct?, Fix this or delete the entire account. 

XXXXUnder the payment history you report that the account was closed in XX/XX/XXXX, but in the Balance Histories you do not report that month ( XX/XX/XXXX ), Where is the Balance for the month of XX/XX/XXXX? Where is the scheduled payment? And if it was paid and closed, how much did I pay? Provide the month of XX/XX/XXXX in the balance histories or delete the entire account. 


Finally, after you have completed your investigation, please send me a copy of the investigative results and a complete copy of my complete file. By complete file I mean everything you have on me in your file, and I want you to also include the inquiries made ( hard and soft pulls ) with the reason for each inquiry and a copy of the certification made by each user of my report. Make sure you give me everything that you have on me- do not leave anything out as I understand under the FCRA that I'm entitled to my full file disclosure. 

Please note that for every account I have disputed, unless every piece of missing data is filled in and every inconsistency and every error is accurately fixed or each one of the disputed accounts is deleted entirely, your investigation will not resolve my dispute as to that accounts, and, if that is the case, here is my statement of dispute for each of the accounts that you do not correct 100 % by making complete and accurate : As per my right under Section 1681i, I want you to give me the following information about how you investigated my disputes : " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' Enclosures : ID Proof of Address Pages from XXXX Credit Report XXXX XXXX XXXX XXXX XXXX XXXX