Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
I am filing a complaint regarding inaccurate, conflicting, and unverifiable reporting by Synchrony Bank/Care Credit on my credit reports. 

The Care Credit account is being reported differently across all three credit bureaus, which indicates inaccurate furnishing of information and violations of the Fair Credit Reporting Act ( FCRA ), specifically 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 607 ( b ), and 611 ( a ). 

Here are the exact discrepancies : XXXX. XXXX  ( XXXX  Report XXXX XXXX ) : Reports the Care Credit account as a charge-off. 

Shows dispute language ( Completed investigation consumer disagrees ). 

Does NOT report any Date of First Delinquency ( DOFD ). 

Charge-off timeline does not match the other bureaus. 


XXXX. XXXX  ( XXXX  Report Page XXXX ) : Reports the account as a charge-off with : Balance : {$2500.00} Past due : {$2500.00} Charge-off amount : {$2500.00} Explicitly lists DOFD as XX/XX/2021, which does not appear on XXXX. 

Uses different dispute codes ( XXXX, XXXX ) for the same dispute. 


XXXX. XXXX  ( XXXX  Report XXXX XXXX, XXXX, XXXX ) : Does NOT report the Care Credit tradeline at all. 

Only shows a hard inquiry from Synchrony Bank. 

This means the account is either not being furnished, is incomplete, or unverifiable. 


Why This Is a Problem : Synchrony Bank is required to furnish accurate, complete, and consistent information to all credit bureaus under the FCRA. 
The account can not appear as a charge-off with a DOFD on one bureau, a different dispute notation and timeline on another bureau, and no account at all on the third. 

Because the data is inconsistent and unverifiable across the CRAs, it is harming my credit profile and violating the FCRA. 

What I Am Requesting Through the CFPB : I am asking the CFPB to require Synchrony Bank/Care Credit to : 1. Conduct a full reinvestigation of the Care Credit account. 


XXXX. Provide copies of the documents they are using to verify the account, including : Original signed application Full account ledger Charge-off documentation DOFD records All furnishing records sent to the bureaus XXXX. Correct the reporting across all CRAs so the data is consistent, OR 4. Delete the account entirely if they can not verify the accuracy and consistency of every detail as required under FCRA 611 ( a ) ( 5 ). 



Attached Evidence : I have attached the following supporting documents : Dispute letter explaining all discrepancies XXXX  XXXX XXXX ( Care Credit tradeline ) XXXX  XXXX XXXX ( Care Credit tradeline + DOFD ) XXXX  XXXX XXXX, XXXX, and XXXX ( no tradeline present ) These documents prove the inconsistent and inaccurate reporting. 

Summary : Synchrony Bank is reporting inaccurate, conflicting, and incomplete information about this Care Credit account. 
I am requesting CFPB intervention to ensure proper reinvestigation and correction or deletion under the FCRA.

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