Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Notice to Cease and Desist Communications and Demand for Immediate Removal of Inaccurate Credit Reporting Account Information : Original Creditor : XXXX Account Number : XXXX Date of Last Update : XX/XX/XXXX Reported Status : " Charged off '' and " past due '' Original Creditor : XXXX XXXX  Account Number : XXXX Date of Last Update : XX/XX/XXXX Reported Status : " Charged off '' and " closed '' Original Creditor : SYNCB/PPC Account Number : XXXX Date of Last Update : XX/XX/XXXX Reported Status : " Charged off '' and " written off XX/XX/XXXX '' Dear Sir or Madam : This letter serves as a formal notice to your company to cease and desist all communications regarding the above-referenced accounts and to immediately remove the inaccurate and unverifiable reporting from my credit files with all consumer reporting agencies.

Violation of the Fair Debt Collection Practices Act ( FDCPA ) This demand is made pursuant to my rights under the FDCPA, specifically 15 U.S. Code 1692c ( c ). By notifying you in writing that I wish to cease further communication, your company must stop all contact with me.

Violation of the Fair Credit Reporting Act ( FCRA ) Your company has furnished inaccurate and/or unverifiable information to the credit reporting agencies ( XXXX, XXXX, and XXXX  ) , which is a clear violation of my rights under the FCRA. Specifically : 15 U.S. Code 1681e ( b ) : This section requires your company to " use reasonable procedures to assure maximum possible accuracy of the information '' that you furnish to credit reporting agencies. The reporting on these accounts, with their conflicting and outdated status information, demonstrates a failure to comply with this requirement.

15 U.S. Code 1681s-2 : This section obligates furnishers of information, such as your company, to investigate any dispute regarding the accuracy of information. The inaccurate and potentially misleading reporting of these " charged off '' accounts constitutes actionable grounds for dispute.

Demand for Immediate Action You are hereby instructed to take the following actions within 15 business days of your receipt of this letter : Cease all contact. Terminate all further communication with me concerning these alleged debts, with the exception of a single written notice confirming that your collection efforts have ceased. Any communication beyond this will be considered a violation of the FDCPA.

Delete from credit reports.

Immediately initiate the removal of all references to the above-referenced accounts from my credit reports with XXXX, XXXX, and XXXX. The reporting is inaccurate, incomplete, and unverifiable.

Provide written confirmation. Forward written verification to me at the address above, confirming that you have permanently deleted these accounts from my credit reports.

Failure to Comply Failure to comply with this demand within the specified timeframe will be considered a willful violation of federal law. This will leave me with no alternative but to pursue all available legal remedies, which may include : - Filing formal complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Attorney General 's Office in my state.

- Filing a lawsuit to seek statutory damages of up to {$1000.00} per violation, in addition to actual damages, costs, and attorney fees.

I expect your prompt and full compliance with this demand.

Sincerely,

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