Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Consumer Financial Protection Bureau Complaint Complainant Information : Name : XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Subject : Resolution and Compensation for Illegal Reporting Practices and Resulting Harm Complaint Details : I am filing this formal complaint regarding the blatant disregard of consumer protection laws by credit reporting agencies and/or creditors in their continued reporting of inaccurate and unlawful information on my credit report, specifically related to : XXXX, Account # XXXX, and the alleged late payments unlawfully listed. 
This ongoing and illegal reporting of alleged late payments has caused undue harm to me and my family, both financially and emotionally. The failure to comply with the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws has directly resulted in : Stress and mental anguish : The repeated denials for credit have caused significant distress as I struggle to provide for my familys basic needs. 
Inability to secure necessary household resources : Due to the negative impact on my credit, I have been unable to obtain financing or approval for essential items such as housing, transportation, and utilities, creating undue hardship for my family. 
Defamation of character and financial reputation : The inaccurate reporting of alleged late payments has tarnished my credit history and financial standing, impacting my ability to live with dignity and security. 
Resolution Demanded : To resolve this matter, I demand the following : Immediate and permanent removal of all inaccurate and unlawful entries, including the alleged late payments tied to XXXX, Account # XXXX, from all credit reporting agencies. 
Written confirmation that my credit report has been corrected and is now accurate and in full compliance with the law. 
Compensation for the harm caused by this blatant disregard of the law, including but not limited to : Emotional distress : Compensation for the mental anguish and stress caused by this issue. 
Financial damages : Compensation for the inability to secure necessary household goods and services, as well as any fees or higher costs incurred due to the inaccurate reporting. I am seeking compensation in the amount of {$25000.00} for the cumulative harm caused. 
Should this matter not be resolved promptly and satisfactorily, I will escalate my complaint to other regulatory agencies, including the Federal Trade Commission ( FTC ) and state attorneys general, and pursue legal remedies to ensure my rights as a consumer are fully upheld. 

I trust you will treat this matter with the seriousness it deserves and respond promptly to address this issue and provide restitution. 

ATTACHED IS FTC AFFIDAVIT Thank you for your immediate attention to this urgent 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 non-monetary relief