Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My problem is not with the company. My problem is with the credit reporting services. The company can do what it wants to do. The company is part of the dispute, but the reporting services should not obey everything the company mention about the consumer. although the company is part of the dispute, the reporting services regarded them as a part of the dispute and a Judge at the same time.

What the disputes are about?

I am dealing with Companys ( merchants ) since long time, and I did not go through situations like these. I had problem with the following merchants : SYNCB/ CARE CREDIT. XXXX/CBNA. XXXX XXXX XXXX SYNCB/ CARE CREDIT : My problem with this merchant is the XXXX  did some work on my wife XXXX. When the cost of work was too high, she allowed us to pay in installment and if we paid all the loan by the end of the loan period there would be no interest, but if we do no pay all the lone at the end of the lone period we would be paying all the interest and not only just of the unpaid balance. The investigation made by XXXX showed that, for 2 ( two ) years, we paid every installment on time, except the last one. Here there is a question ; why all installments paid on time but not the last one? The obvious answer is ; as the merchant would collect interest only if the borrower defaults in payment ; most probably the merchant had induced such default in purpose so that it can collect interest. Now SYNCB/ CARE CREDIT wants this bad record to stay in my credit file until the year XXXX XXXXCBNA : I was going abroad and decided to buy some gift from XXXX. I wanted to pay cash, but they informed me if I open a XXXX credit card they will give me discount. I agreed and opened the XXXX credit card. When my time had come to go, I went to XXXX and informed them I will go out of the country and would like to pay the whole balance of the card. They informed me that they can not do that at that time, and I had to wait until the card is issued and sent to me. I left the country and came back after about XXXX ( XXXX ) months. For some reason it did not come to my mind that I owe XXXX some money. When I came to the XXXX the first thing, I contacted XXXX and I informed them that I am willing to pay the price of the item that I bought, but I would not pay the interest. They agreed and I paid the balance, but they never told me that they would still send it to collection. Now XXXX wants this bad record stays in my credit file until the year XXXX XXXX XXXX XXXX XXXX  - I had 2 ( two ) cases with this merchant.

The first one : Was when I sold my car. The new owner did not register the car in his name. The car stayed in my name. The new owner drove through the toll way many times, but never pays for the service. When I told them that I sold the car to that person they do not and want to understand ; they insisted that if the car still in my name ; I have to be responsible for it. After I gave them proof from XXXX that was not my car ; they added the balance to my new car, because I had an account with them, they have the whole information about me. This one now is removed. 

The second one : Was when I had to enter the wrong freeway I found myself in the Express Lane. When I decided to get out there would be no way. I had to go through about 3 cameras and the bill came about {$20.00} ( XXXX ). The only time that I managed to get out of the Express Lane was after 14 ( fourteen ) mails in different city. I talked to them many times and sent them a letter ; unfortunately the letter came back unopened. Now XXXX XXXX XXXX wants this bad record stays in my credit file until the year XXXX When there is a dispute between a Merchant and a Barrower, the Credit Reporting Services favor the Merchants over the over the Barrower as if the Merchant is a First Class Citizen and the Barrower is a Second Class Citizen.

Although there are two parties of the dispute, namely the Merchant and the Barrower, the Credit Reporting Services will allow the Merchant to be as a party of the dispute and a judge at the same time. For example if there is a disagreement between a Merchant and a Barrower, the Reporting Service Will allows the Merchant to be the Judge and will write anything in the Borrower credit report, even if that would harm the Barrower. In any dispute there will be one right and the other wrong, but in fact the Credit Reporting Service will always consider the Barrower is the wrong party and the Merchant is the right party and write the information that the Merchant wants it to be written.

If we take the last dispute I mentioned in the attached Explain Disputes with Merchants, you would see that it was proved by the Circumstances Evidence that the SYNCB/CREDIT was the wrong party, the Barrower did not default in his payment for 2 ( two ) years, but for some reasons the Merchant made Barrower to default in his payment in the last installment, just to make the Borrower did not satisfy an item of the contract and therefore pays the whole 2 ( two ) years interest. The Merchant informed the Reporting Services to write in their reports that the borrower Default in his payment and ordered them to keep the account until XX/XX/XXXX before the dispute and after the dispute the merchant reduced the punishment to be until XX/XX/XXXX. Now he is acting as a forgiving judge. 

In the USA we are promised to have justice for all, but there is no justice at all in the credit reporting business. I believe all the credit reporting services should be under the Department of Justice. 
When there is a dispute between a Merchant and a Barrower, the Credit Reporting Services favor the Merchants over the over the Barrower as if the Merchant is a First Class Citizen and the Barrower is a Second Class Citizen. 

Although there are two parties of the dispute, namely the Merchant and the Barrower, the Credit Reporting Services will allow the Merchant to be as a party of the dispute and a judge at the same time. For example if there is a disagreement between a Merchant and a Barrower, the Reporting Service Will allows the Merchant to be the Judge and will write anything in the Borrower credit report, even if that would harm the Barrower. In any dispute there will be one right and the other wrong, but in fact the Credit Reporting Service will always consider the Barrower is the wrong party and the Merchant is the right party and write the information that the Merchant wants it to be written.

If we take the last dispute I mentioned in the attached Explain Disputes with Merchants, you would see that it was proved by the Circumstances Evidence that the SYNCB/CREDIT was the wrong party, the Barrower did not default in his payment for 2 ( two ) years, but for some reasons the Merchant made Barrower to default in his payment in the last installment, just to make the Borrower did not satisfy an item of the contract and therefore pays the whole 2 ( two ) years interest. The Merchant informed the Reporting Services to write in their reports that the borrower Default in his payment and ordered them to keep the account until XX/XX/XXXX before the dispute and after the dispute the merchant reduced the punishment to be until XX/XX/XXXX. Now he is acting as a forgiving judge.

In the USA we are promised to have justice for all, but there is no justice at all in the credit reporting business. I believe all the credit reporting services should be under the Department of Justice.

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