Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Re : Formal Dispute of Inaccurate and Unverifiable Accounts under FCRA 605, 607, 609, 611 To Whom It May Concern, I am writing to exercise my rights under the Fair Credit Reporting Act ( FCRA ) and to dispute the accuracy and completeness of the following accounts currently appearing on my XXXX  credit report. 

Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a full reinvestigation of these items. If the furnisher can not provide verifiable documentation such as the original signed contracts, complete payment ledgers, and ownership/chain of custody of the debts, then the items must be deleted immediately. 

Negative Accounts in Dispute XXXX  Card Services Status : Charge-Off {$1900.00} Balance DOFD : XX/XX/year> Dispute : Potential re-aging of debt ; lack of verifiable contract ; inconsistent payment history. 

XXXX Status : Closed/Charged Off {$830.00} Balance DOFD : XX/XX/year> Dispute : Unverifiable debt ownership ; inaccurate high balance reporting ; failure to validate original agreement. 

SYNCB/PayPal Status : Closed {$240.00} Balance DOFD : XX/XX/year> Dispute : Inconsistent reporting across bureaus ; lack of documentation proving debt validity ; incomplete records. 

SYNCB/Care Credit Status : Closed {$3000.00} Balance DOFD : XX/XX/year> Dispute : Payment history inaccurate ; possible re-aging of delinquency date ; unverifiable debt chain of assignment. 

XXXX ( XXXX  ) Status : Closed {$1200.00} Balance DOFD : XX/XX/year> Dispute : Reporting errors on balance owed; incomplete records ; failure to provide contract validation.

Legal Grounds for Dispute FCRA 605 ( a ) : Prohibits reporting of outdated/re-aged debts beyond the allowable 7-year period.

FCRA 607 ( b ) : Mandates maximum possible accuracy of all information reported.

FCRA 609 ( a ) ( 1 ) : Grants the right to request disclosure of the original contract and documentation.

FCRA 611 ( a ) ( 1 ) ( A ) : Requires reinvestigation of disputed information within 30 days.

FCRA 616617 : Establishes liability for willful or negligent noncompliance. 

Formal Demand Accordingly, I demand that XXXX  : Conduct a complete reinvestigation of all accounts listed above.

Provide written verification of each account, including original signed applications, full payment ledgers, and creditor ownership documentation. 

Permanently delete any account that can not be 100 % verified, is inaccurate, incomplete, or outdated. 

Provide me with an updated copy of my credit report reflecting the results of your reinvestigation within 30 days. 

Failure to comply will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the New York State Attorney Generals Office, and to pursue civil damages as authorized by FCRA 616617.

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