Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Date : XX/XX/year> Synovus Bank / First Progress XXXX. XXXX XXXX XXXX, GA XXXX Dear First Progress / Synovus Bank, I am writing to formally dispute the above-referenced account under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which grants me the right to request an investigation and deletion of any information that is inaccurate, incomplete, or unverifiable. 

You recently responded to my dispute by stating that the information provided at the time of applicationsuch as an address and email addressmatched my personal information, and therefore the account has been verified. However, let me be clear : relying solely on matching identifiers is not sufficient evidence of liability. Under the FCRA, you are required to provide actual documentation to substantiate the legitimacy of a debt if a consumer formally disputes it. 

To date, I have not received any original signed application, usage history, billing statements, or any account documentation showing that I authorized or used this account. Your decision to permanently close the account based on your internal review does not resolve the matterespecially when I am contesting its validity and origin, not simply the status. 



ACCORDING TO FCRA LAWS YOU ARE REQUIRED TO : Conduct a reasonable and thorough investigation of disputed information ( 15 U.S.C. 1681i ( a ) ( 1 ) ) ; Delete or correct any information that can not be verified through documentary evidence ( 15 U.S.C. 1681i ( a ) ( 5 ) ) ; Report only complete and accurate information with maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) ; And ensure that consumer disputes are handled fairly, not solely based on internal database matches. 

As such, your determination that the dispute is resolved based only on address or email matching is legally insufficient. You must provide full documentation showing I applied for, used, and acknowledged this account. Without it, the account is unverified, and under FCRA requirements, it must be deleted from all credit reporting agencies immediately. 

Im Requesting A full re-investigation of the account, including retrieval of original signed documents and usage records ; If you can not produce such documentation, I demand immediate deletion of this account from all credit reports ; Written confirmation of the outcome of your reinvestigation, as required by law. 

If this account is not deleted or fully validated through appropriate documentation, I will proceed to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) ; Submit disputes to all three major credit bureaus ( XXXX XXXX XXXX ) Seek legal advice regarding potential remedies under 15 U.S.C. 1681n and 1681o, which allow for damages in the event of willful or negligent noncompliance. 

Please treat this as a formal dispute and demand for verification under federal law. I expect your response within the XXXX window required by the FCRA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation