Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Inaccurate Information from My Credit Report Dear Sir/Madam , I am writing to formally dispute several inaccuracies reported on my credit reports by the credit reporting agencies XXXX XXXX XXXX XXXX and XXXX. Despite my previous efforts to address these errors with the credit bureaus directly, the incorrect information remains on my credit file. As such, I am requesting your assistance to investigate and ensure these inaccuracies are corrected. 

Below is the summary of the disputed items and corresponding inaccuracies : Account : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account Numbers : [ XXXX ] Inaccuracies : The balance reported and derogatory status do not reflect accurate or validated information. 
Request : I request the validation of the debt and removal of inaccurate information as no validation was provided. 
Account : XXXX  XXXX Account Numbers : [ XXXX ] and [ XXXX ] Inaccuracies : Balances, account status, and payment history details are incorrect and not verified. 
Request : Proper debt validation and removal of inaccurate data. 
Account : XXXX XXXX Account Numbers : [ XXXX ] Inaccuracies : Incorrect balance, payment status, and other account details. 
Request : Validation or removal of inaccuracies as per the Fair Credit Reporting Act ( FCRA ). 
Account : XXXX XXXX ( XXXX ) Account Numbers : [ XXXX ] Inaccuracies : Unverified balance and inaccurate reporting. 
Request : Remove all erroneous data not supported by sufficient evidence. 
Account : SYNCB/XXXX  Account Numbers : [ XXXX ] Inaccuracies : Incorrect balance, high credit, and charge-off details. 
Request : Validate debt or delete the inaccurate records. 
Account : XXXX Account Numbers : [ XXXX ] Inaccuracies : Discrepancies in balance and derogatory account status. 
Request : Remove inaccurate information or provide validation documents. 
All these accounts have inconsistent and unverified details that are damaging my creditworthiness. Per the Fair Credit Reporting Act ( FCRA ), credit bureaus and data furnishers are required to ensure accurate reporting and provide proper validation upon request. 

I request the following : Removal of all inaccurate, unverified, and obsolete information from my credit report. 
Complete validation documentation for all accounts mentioned above. 
Updates reflecting accurate information as required under the FCRA. 
I have attached copies of my credit reports highlighting the disputed accounts, as well as supporting documentation to validate my claims. 

I trust you will give this matter the attention it deserves and ensure a fair resolution. Please notify me in writing once the investigation has been completed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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