Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
Validation of Debt and Cease and Desist Request Account Number # XXXX Dear Sir or Madam, I am writing in response to your recent communication regarding the alleged debt referenced above. Please be advised that I dispute the validity of the debt in its entirety. 
Further, I request the full verification of this debt in accordance with 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). This includes a request for a copy of the original contract or agreement that establishes my legal obligation to pay the debt, which must be signed by all parties involved, including the original creditor.

Please note that, under 15 U.S.C. 1692g ( b ), you are required to provide validation of the debt within 30 days of my request. In the absence of such validation, I request that all collection activity cease immediately. This includes ceasing all communications with me and any reporting to consumer credit agencies. I also request that you promptly initiate the removal of any prior reporting made to any consumer reporting agencies regarding this alleged debt. 
In addition, I would like to bring your attention to XXXX U.S.C. 1692e ( 3 ), which prohibits the use of false or misleading representations in the collection of a debt. Specifically, a debt collector may not falsely represent or imply that any individual is an attorney or that any communication is from an attorney. You, XXXX XXXX XXXX XXXX XXXX XXXX, have no legal right to send any communication to me without first providing the necessary documentation to verify the alleged debt. Therefore, I demand that you cease and desist all communication with me, including any attempts to contact me by mail, phone, or any other means. 
Additionally, I have identified potential violations under the following provisions of the FDCPA : 15 U.S.C. 1692b ( 5 ) Failure to properly identify the debt.

15 U.S.C. 1692e ( 2 ) ( A ) False representations regarding the amount of the debt.

15 U.S.C. 1692e ( 3 ) Misleading or deceptive representation regarding the attorney status or legal action.

15 U.S.C. 1692e ( 6 ) ( B ) Misleading representation regarding the legal status of the debt.

15 U.S.C. 1692e ( 9 ) False representations concerning the legal rights of the creditor or the debt collector.

15 U.S.C. 1692e ( 10 ) Misleading representations of the consequences of non- payment.

15 U.S.C. 1692e ( 11 ) Failure to inform the consumer that the communication is from a debt collector.

Please be advised that this letter is being sent to the Consumer Financial Protection Bureau ( CFPB ) as evidence that you are potentially in violation of consumer protection laws. Should you fail to comply with my request for proper validation of the debt, I will consider pursuing legal remedies and further action, including filing complaints with the CFPB and other regulatory agencies, and seeking damages for your failure to comply with the FDCPA under 15 U.S.C. 1692k.

As a litigious consumer, I will not hesitate to take legal action for any violations of my rights under this law.

To proceed with proper validation, please provide the following documentation : 1. The name and address of the original creditor and any subsequent creditors or 2. 3. 4. 5. 6. 7. 8. 9. assignees.

Verification of the debt amount you are attempting to collect, including itemized charges.

Any assignment or proof of ownership of the debt, including the original account number and the debtor 's name.

Securitization or sale documentation, if applicable, showing that you have the legal right to collect this debt.

All agreements, contracts, or statements related to the alleged debt.

Insurance claims, if any, that have been made on the debt.

Judgments, if any, related to this account.

The bonding agent for your collection company, should legal action become necessary.

Proof of proper securitization of the debt, including all relevant documentation showing that the debt has been legally securitized and that you or your client have the right to enforce this debt.

Please ensure that the following information is included : Name and address of the alleged creditor.

The alleged account number.

The alleged debt amount.

Date this alleged debt became payable.

Date of the original charge-off or delinquency.

Whether the debt was assigned to a debt collector or purchased.

The commission rate for any collection efforts that may be successful.

If you fail to provide the necessary documentation, I demand that all references to this debt be deleted from my credit report, and a copy of the deletion request should be sent to me immediately. I expect a response within 30 calendar days from the date of receipt of this letter.

If you do not comply with this request, I will consider all actions taken by you to collect this debt, including any negative credit reporting, as damages under 15 U.S.C. 1692k, and I will take appropriate legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

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