Consumer complaint received 2025-08-13 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:
I am filing a complaint regarding inaccurate and/or unverifiable negative credit reporting by XXXX  and multiple furnishers, in violation of the Fair Credit Reporting Act ( FCRA ), including Sections 605 ( a ), 605B, 609, 611, and 623, with civil liability under 15 U.S.C. 1681o for negligent noncompliance.

Despite my prior disputes, the following tradelines continue to report inaccurately or without proper verification : XXXX Account ending XXXX ( XXXX  Report No. XXXX, results dated XX/XX/XXXX : Remains ). XXXX filed XXXX XXXX on XX/XX/XXXX. I have no active obligation or authorization for continued derogatory reporting. XXXX verified the item without providing underlying documentation ( original agreement, billing history, or proof of my liability ). This violates FCRA 611 ( a ) ( reasonable reinvestigation ) and 623 ( b ) ( duties of furnishers ). I also assert removal rights under FCRA 605B for unauthorized/identity-theft-like reporting. 

XXXX XXXX Account ending XXXX ( XXXX  shows Updated ). Although reported as closed/ {$0.00}, prior derogatory data appears to persist and was verified without providing the signed contract or complete account-level substantiation. This violates 609 ( a ) ( 1 ) ( file disclosure ), 611 ( a ) ( reasonable reinvestigation ), and 623 ( b ). 

XXXX Closed account ( XXXX XXXX shows reported XX/XX/XXXX, prior balance {$370.00} ). I dispute the accuracy/amount and the continued reporting of derogatory history. No signed agreement, detailed statements, or charge-off math has been produced in response to disputes. Violations : 611 ( a ), 623 ( b ). 

XXXX Closed, {$0.00} balance ( reported XX/XX/XXXX ). I dispute the lingering derogatory notations. Furnisher/bureau have not produced verification beyond a consumer disputesverified outcome. Violations : 611 ( a ), 623 ( b ). 

XXXX XXXX XXXXXXXX Closed, {$0.00} balance ( reported XX/XX/XXXX ). Any derogatory marks older than seven years from the date of first delinquency are barred by 605 ( a ). I request aged data be purged and that the furnisher/bureau provide the documented DOFD used for obsolescence calculations. Violations : 605 ( a ), 611 ( a ), 623 ( b ).

What I requested in my disputes and still request now : A reasonable investigation and deletion of any item that is inaccurate, incomplete, or can not be verified with supporting evidence ( not just an electronic verify code ).

Full documentation relied upon for verification ( original signed agreements, complete payment histories, billing/charge-off calculations, and proof of reporting authorization ).

Purging of any data that is obsolete under 605 ( a ) and removal under 605B where reporting is unauthorized/identity-theft-like. 

These unresolved inaccuracies are depressing my creditworthiness and hindering access to fair credit. Require XXXX XXXX XXXXXXXX and the listed furnishers to conduct a compliant reinvestigation and delete any tradeline that can not be fully verified with documentary evidence. 

Compel production of the verification records described above.

Ensure removal of any obsolete data beyond 605 ( a ) time limits.

Confirm results to me in writing. 

Attachments I will provide : XXXX  dispute results ( Report No. XXXX, dated XX/XX/XXXX showing Mosaic Remains, XXXX Updated ) Screenshot summaries from XXXX showing XXXX XXXX and XXXX XXXX XXXXXXXX closed items and reporting dates XXXX  Notice of Commencement ( XXXX  XXXX, XX/XX/XXXX ) My government ID and proof of address Any prior dispute letters and responses

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 monetary relief