Consumer complaint received 2024-09-25 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: CA

Complaint narrative:
Account Involved : SYNCB/AMAZON PLCC I am writing to file a formal complaint regarding the mishandling of my credit report by Synchrony Bank related to my Amazon store card account. The account in question was closed and paid off in full on XX/XX/XXXX. For over two years, I have not used this account. 

However, in XX/XX/XXXX, I discovered that Synchrony Bank had inaccurately reported this closed account as delinquent for 60 days or less. Since then, I have made multiple attempts to resolve this issue, but it remains unresolved. Below are the key details : - Account Status : This account had a {$0.00} balance when it was closed in XX/XX/XXXX, and no further transactions were made after that. However, in XX/XX/XXXX, the account was falsely reported as delinquent for 60 days or less. 

- Attempts to Resolve the Issue with Synchrony Bank : Upon noticing the error, I contacted Synchrony Bank in XX/XX/XXXX. The representative confirmed that this was a mistake and assured me that the bank would reach out to the three national credit reporting agencies ( XXXX, XXXX, and XXXX ) to correct the error. However, after two months of waiting, there was no change to my credit report. I called Synchrony Bank again, and once more, they apologized and promised to resolve the issue. 

- Despite numerous phone calls and promises, the error has not been fully corrected. They have only adjusted certain fields but failed to fix the complete inaccuracies reported by them. Synchrony Bank representatives have promised to send letters to the credit reporting agencies, but the agencies ( XXXX, in particular ) have confirmed that no such letters were received. 

- Dispute with Credit Reporting Agencies : In frustration, I filed disputes through XXXX XXXX and also contacted XXXX to dispute the report for this account. Despite submitting supporting documentation, including letters from Synchrony Bank confirming the issue, the disputes have not resolved the problem. XXXX agents have informed me that Synchrony Bank maintains that the account information currently on the report is correct. However, when I speak to Synchrony Bank, they continue to apologize and promise action, which never materializes. 

- Current Status : There appears to be a disconnect between the representatives I speak to at Synchrony Bank and the department that handles credit reporting issues. I have been told by multiple Synchrony Bank representatives that there is nothing more they can do besides sending letters, which the credit reporting agencies claim they have not received. 

This situation is extremely frustrating, as I have not used this account in over two years, and I have been repeatedly assured that the issue will be resolved. Yet, I am still dealing with the negative impact of an incorrect delinquency on my credit report, which is harming my creditworthiness. 

I kindly request your assistance in helping me resolve this matter. I believe this to be an unfair and inaccurate credit reporting issue that should be corrected immediately. Please help ensure that Synchrony Bank properly updates my credit report to reflect the true status of this account. 

Thank you for your time and assistance.

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