Consumer complaint received 2025-06-04 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:
Subject : Formal Complaint Against Synchrony Bank & Credit Reporting Agencies for FCRA, Due Process, and Consumer Protection Violations To Whom It May Concern, I am submitting this formal complaint against Synchrony Bank and the major credit reporting agencies ( Experian, Equifax, and TransUnion ) for repeated violations of the Fair Credit Reporting Act ( FCRA ) and Florida consumer protection laws. Synchrony has engaged in unlawful credit reporting practices, including failing to validate debts despite multiple requests from my legal representative, Elite Legal Practices, over the past two years. Additionally, the credit bureaus have continued to report unvalidated debts, making them complicit in consumer law violations. 

Furthermore, Synchrony has violated due process rights by sending legal notices for case XXXX to an address I have not lived at for 16 years ( since XXXX ). This improper service deprived me of the opportunity to respond, and the case has remained inactive for over six months, yet Synchrony continues to report historical charge-offs, damaging my credit score also on XXXX XXXX. 

I. Violations of the Fair Credit Reporting Act ( FCRA ) Synchrony Bank and the credit bureaus have violated multiple provisions of the FCRA ( 15 U.S.C. 1681 et seq. ), including : Failure to Validate Debt Over Two Years Synchrony has failed to provide validation despite multiple requests from my attorney, violating 15 U.S.C. 1692g ( b ) ( FDCPA ).

Despite this failure, Synchrony has proceeded to file judgments, violating due process rights and consumer protection statutes. 

Continued Reporting of Unvalidated Debts Credit bureaus continue to report unvalidated debts, violating 15 U.S.C. 1681s-2 ( b ), which requires furnishers to correct inaccurate information.

Synchronys failure to validate these debts should have resulted in deletion, yet the bureaus have failed to act, making them complicit in consumer law violations.

Failure to Remove Historical Charge-Offs Synchrony continues to report monthly charge-offs, artificially extending the reporting period in violation of 15 U.S.C. 1681s-2 ( a ).

Charge-offs should not be re-aged or re-reported beyond the legally permitted timeframe.

II. Violations of Florida Consumer Protection Laws Synchronys actions also violate Floridas consumer protection statutes, including : Florida Consumer Collection Practices Act ( FCCPA ) Fla. Stat. 559.72 ( 9 ) Synchrony failed to validate the debt before continuing collection efforts, violating Floridas prohibition against asserting unenforceable debts.

Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) Fla. Stat. 501.204 Synchrony engaged in deceptive practices by sending legal notices to an address I have not lived at for 16 years, depriving me of due process.

III. Due Process Violations & Lack of Prosecution in Case XXXX & XXXX - Synchrony has violated due process rights by improperly serving legal documents at an outdated address, preventing me from responding to the case. Additionally, the case has remained inactive for over six months, yet Synchrony continues to report historical charge-offs, damaging my credit score. These actions violate : Florida Statutes 48.031 ( governing proper service of legal documents ).

12 U.S.C. 5531 ( CFPB enforcement authority over unfair practices ).

Florida Rules of Civil Procedure Rule 1.420 ( e ) ( Failure to prosecute ).

IV. Credit Bureaus Complicity in Consumer Law Violations The major credit reporting agencies ( Experian, Equifax, and TransUnion ) have failed to remove unvalidated debts, violating : 15 U.S.C. 1681s-2 ( b ) ( FCRA duty to correct inaccurate reporting ).

Florida Statutes 559.72 ( 9 ) ( prohibiting reporting of unenforceable debts ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Synchrony Bank, XXXX XXXX XXXX ( XXXX. XXXX XXXX ) Synchrony was found to have inaccurately reported tradelines, leading to legal action. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX ) A Florida case addressing improper credit reporting practices. 

Largest FCRA Violation Cases Credit bureaus have been forced to delete inaccurate reporting and bar creditors from re-adding debts. 


I am including evidence of the prior dispute that to date my reports are in the same status with historical charge offs since last filing on XX/XX/XXXX. 

1. Court Records history of filings of judgements on unvalidated debts in violation of Consumer Laws.

2. Service to Obsolete Address 3. Same Accounts still reaged 4. Credit Bureaus have NOT deleted any accounts though requested for lack of validation.

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