Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — Store credit card
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: NY

Complaint narrative:
This complaint is about Synchrony Bank furnishing false payment information to credit reporting agencies after I filed a previous credit dispute, in apparent retaliation against my dispute and to defeat consumer rights under the Fair Credit Reporting Act. The account is Synchrony Bank SYNCB/PPC ( PayPal XXXX , account number XXXX followed by four masked digits ). The account was originally opened XX/XX/XXXX. The account became delinquent in XXXX during a period when I was actively attempting to negotiate a settlement with Synchrony Bank. Rather than working with me in good faith on a settlement arrangement, Synchrony abruptly charged off the account in the middle of those settlement negotiations and sold the debt to XXXX XXXX XXXX. The payment history on my credit report shows 90 to 120 days late from XXXX through XX/XX/XXXX, and the account was closed on XX/XX/XXXX during the delinquency period. XXXX XXXX is currently reporting this debt as a separate collection tradeline with an unpaid balance of XXXX dollars. At some point during the past year, I filed a credit dispute regarding the SYNCB/PPC tradeline through the credit bureaus. At the time of that dispute, the tradeline did NOT show any payment activity in XXXX. The tradeline reflected the true status : an account that was delinquent, closed in XXXX, and charged off. AFTER my dispute was filed and processed, Synchrony Bank modified the tradeline to show the following fabricated information : - Last Payment Made : XX/XX/XXXX - Date Paid : XX/XX/XXXX - Pay Status : Paid, Closed ; was Paid as agreed - Date Updated : XX/XX/XXXX I did not make any payment to Synchrony Bank in XX/XX/XXXX or at any other time after the account was closed in XX/XX/XXXX. There was no payment activity on this account after XXXX. The XXXX dates and the Pay Status of Paid as agreed are completely fabricated. The fabricated dates create an internal logical contradiction within Synchrony 's own reporting that proves the dates are false on their face. The credit report shows : - Date Closed : XX/XX/XXXX - Date Paid : XX/XX/XXXX These two dates can not both be true. An account that was closed on XX/XX/XXXX can not then be paid on XX/XX/XXXX, more than four years AFTER it was closed. A closed account does not accept payments. The contradiction between the Date Closed and the Date Paid is itself proof that the XX/XX/XXXX date is fabricated and can not reflect any legitimate account activity. The timing of these fabrications is also suspicious and indicates intentional misconduct. The XXXX dates appeared on the tradeline only AFTER my dispute was filed. There was no triggering event, no payment, no settlement, no contact between me and Synchrony in XXXX. The modifications appear to have been added specifically to defeat my dispute by making the account look resolved and paid as agreed, rather than acknowledging it as a charged off account that was sold to a debt buyer during failed settlement negotiations. This is also internally contradictory across furnishers. Synchrony can not legitimately report this account as Paid as agreed while XXXX XXXX simultaneously reports an unpaid XXXX dollar collection balance on the same underlying debt. Both reports can not be true. The Synchrony Paid as agreed status is the false one because XXXX XXXX still owns the debt and is actively reporting it as unpaid. The fabrication of XXXX payment activity in retaliation for a consumer dispute appears to be a willful violation of : - 15 U.S.C. Section 1681s-2 ( b ), which requires furnishers to conduct reasonable investigations of disputes and report accurate information - 15 U.S.C. Section 1681e ( b ), which requires maximum possible accuracy - 15 U.S.C. Section 1681n, which establishes liability for willful noncompliance I demand investigation into how and why these XXXX dates were added when no payment was actually made, identification of who authorized the modification, removal of the fabricated payment information, and correction of the Pay Status to accurately reflect the true charge off status of this account.

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