Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding a credit reporting company ( or debt collector ) that failed to properly respond to my written request for debt validation, in violation of federal consumer protection laws. 

On [ insert date ], I submitted a written request under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ), requesting validation of an alleged debt the company claimed I owed. In my letter, I asked the company to provide documentation verifying the validity of the debt, including : The name and address of the original creditor A copy of the original signed contract or agreement A complete payment history Documentation proving the agency 's legal right to collect the debt Proof that the amount being claimed is accurate Instead of fulfilling their obligation to validate the debt, the company responded only by sending me periodic account statements or billing summaries. These documents do not meet the legal standard for debt validation under the FDCPA.

Legal Violations : Violation of the FDCPA ( 15 U.S.C. 1692g ( b ) ) : Under this section, once a consumer disputes a debt in writing within 30 days of receiving the initial communication, the debt collector must cease all collection activity until the debt is properly validated. Merely sending billing statements or account summaries does not constitute debt validation as defined by law. The collector failed to provide competent evidence of the debt, such as a signed contract or proof of assignment of the debt.

Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : If the debt is being reported to credit bureaus and the consumer disputes the validity of that debt, the creditor or collector is required to conduct a reasonable investigation. If the debt can not be verified, it must be removed. Continuing to furnish inaccurate or unverifiable information after being notified of a dispute may violate this statute.

Continuing Collection Activity Without Validation : After receiving my request, the company continued to attempt collection ( or continued reporting the account to the credit bureaus ), despite failing to meet their obligation to validate the debt. This is a direct violation of 15 U.S.C. 1692g ( b ). 

Desired Resolution : I request the CFPB to investigate this matter and compel the company to : Cease collection activities until proper validation is provided Provide actual documentation that substantiates the debt, not just account summaries Remove any tradelines from my credit report if the debt can not be properly validated Ensure future compliance with the FDCPA and FCRA Thank you for your attention to this matter. I am happy to provide supporting documentation, including copies of my written dispute letter and the responses I received from the company. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation