Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
CFPB Complaint New Submission Consumer : XXXX XXXX XXXX XXXX : Synchrony Bank ( Amazon Store Card ) Account : Ending in XXXXXXXX XXXX XXXX I am filing this complaint against Synchrony Bank for inaccurate credit reporting and failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). -- - # # # INACCURATE AND UNVERIFIABLE REPORTING Synchrony Bank is currently reporting an Amazon Store Card account on my credit report that I have formally disputed as inaccurate and unverifiable. Despite my disputes, the company continues to report this account without providing sufficient evidence that : - I authorized or opened the account - A valid contract exists- The balance being reported is accurate -- - # # # FAILURE TO CONDUCT A REASONABLE INVESTIGATION Synchrony previously responded to my dispute claiming the account was verified. However, their response relied only on internal records and billing statements, which does not meet the legal standard required under 15 U.S.C. 1681s-2 ( b ). Billing statements alone do not establish liability or prove the accuracy of the account. -- - # # # CRITICAL ISSUE NO CONTRACT OR APPLICATION Synchrony admitted in their prior response that : > The application is no longer available based on record retention guidelines. This means they are reporting a financial obligation without possessing the original contract or application. Without this documentation, the account is unverifiable and should not be reported. -- - # # # FORMAL DISPUTE SENT NO PROPER RESPONSE On XX/XX/2026, I sent Synchrony Bank a formal dispute and Method of Verification ( MOV ) request via certified mail, which was delivered and accepted. In that letter, I requested : - The original signed application or contract - Proof of authorization - Method of Verification details- All documentation used to verify the account Synchrony has failed to provide the requested documentation. -- - # # # FAILURE TO PROVIDE METHOD OF VERIFICATION Synchrony has not provided : - The identity of the person who verified the account - The specific documents reviewed - Any explanation of how they determined the account belongs to me This demonstrates a failure to conduct a proper investigation. -- - # # # VIOLATIONS Synchrony Bank appears to be in violation of : - 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation - 15 U.S.C. 1681e ( b ) Reporting inaccurate or unverifiable information -- - # # # REQUEST FOR RESOLUTION I am requesting that the CFPB require Synchrony Bank to : 1. Conduct a proper investigation in compliance with FCRA 2. Provide verifiable documentary evidence of this account 3. Delete this account immediately from all credit reporting agencies if such documentation can not be produced -- - # # # CONCLUSION Synchrony Bank continues to report this account despite lacking the necessary documentation to verify it. Their reliance on internal records and their admission that no application exists shows that this account is unverifiable and should not be reported. I am requesting immediate deletion of this account. -- - Submitted by : XXXX XXXX XXXX

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