Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I. Complaint Narrative I am filing this formal complaint to demand immediate regulatory intervention against Synchrony Bank ( SYNCB ) and XXXX XXXX XXXX XXXX due to continuing unlawful credit reporting activity on an account listed as SYNCB/MC ( Synchrony Bank MasterCard ) . This tradeline continues to be reported as a charge-off for {$3200.00} despite multiple disputes and a formal deletion demand submitted by my legal representative. 

The account was initially disputed in XXXX and XXXX by XXXX XXXX XXXX who issued a formal debt validation request following FCRA Guidelines, which according to XXXX XXXX XXXX Synchrony failed to provide. 

On or about XXXX XXXX, XXXX XXXX XXXX submitted a formal deletion demand to all three credit bureaus and Synchrony Bank citing direct violations of the FCRA and related statutes. 

On XX/XX/XXXX, I personally received via telephone confirmation from XXXX XXXX XXXX that this demand had been submitted. 

To date, Synchrony Bank and the CRAs have ignored the validation and deletion requests, failed to mark the account as disputed, and have continued to furnish negative information that has artificially suppressed my credit scores across all three bureaus for over 17 months.

This is not only a violation of federal law ( FCRA, FDCPA ), but also a breach of Florida consumer protection statutes ( FCCPA ).

III. Detailed Legal Violations by Bureau A. XXXX  FCRA 1681i ( a ) ( 1 ) Failure to reinvestigate after dispute ( 1 instance ) FCRA 1681s-2 ( a ) ( 3 ) No " disputed '' notation added ( 1 instance ) FCRA 1681s-2 ( b ) Continued furnishing inaccurate data ( Ongoing ) FCRA 1681i ( a ) ( 5 ) ( B ) Potential reinsertion without certification ( 1 potential instance ) FDCPA 1692g ( b ) Failure to validate debt via FCRA Guidelines ( 1 prolonged instance ) FDCPA 1692e ( 8 ) Misleading reporting due to omission of dispute ( 1 instance ) FDCPA 1692f Unfair reporting to coerce payment ( Ongoing ) FCCPA 559.72 ( 9 ), ( 15 ), ( 18 ) Improper collection and communication ( 3 distinct violations ) Total Violations : 910 BXXXX XXXX FCRA 1681i ( a ) ( 1 ) Failure to conduct reasonable reinvestigation ( 1 instance ) FCRA 1681s-2 ( a ) ( 3 ) No dispute flag despite ongoing challenges ( 1 instance ) FCRA 1681s-2 ( b ) Continued furnishing post-notice ( Ongoing ) FDCPA 1692g ( b ), 1692e ( 8 ), 1692f Continued reporting without validation or dispute indication ( 3 violations ) FCCPA 559.72 ( 9 ), ( 15 ), ( 18 ) Same as above ( 3 violations ) Total Violations : 910 CXXXX XXXX FCRA 1681i ( a ) ( 1 ), 1681s-2 ( a ) ( 3 ), 1681s-2 ( b ) Inadequate investigation, no dispute flag, continued furnishing ( 3 violations ) FDCPA 1692g ( b ), 1692e ( 8 ), 1692f Debt not validated, misleading reporting ( 3 violations ) FCCPA 559.72 ( 9 ), ( 15 ), ( 18 ) Reporting unvalidated debt without disclosure ( 3 violations ) Total Violations : 910 I am attaching an Exhibit from my XXXX  report that these violations are making my score each month XXXX  points. I demand that this unvalidated item be deleted from all 3 Credit Reporting Agencies as Synchrony has systematically failed to follow set Consumer Laws, validate the debt fully under FCRA guidelines and has injured my Credit for close to 2 years.

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