Consumer complaint received 2025-02-03 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: IN

Complaint narrative:
am filing a formal complaint against XXXX for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) due to their inaccurate and misleading reporting of my credit account ( # XXXX ). Their false reporting practices are damaging my creditworthiness and financial stability.

Violations and Legal References 1. Knowingly Reporting False Information ( FCRA Violation 15 U.S.C. 1681s-2 ( a ) ) This account contains contradictory last activity dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), which is false and misleading information in violation of FCRA accuracy standards. 
The account incorrectly reports an unpaid balance of {$160.00} despite being charged off. A charge-off should not reflect an ongoing balance unless payments were made, which this account does not show accurately. 
The FCRA strictly prohibits creditors from furnishing inaccurate or knowingly false information. 
2. Inconsistent Late Payment Reporting ( FCRA Violation 15 U.S.C. 1681e ( b ) ) The reported XXXX late payments are inaccurate and contradict the payment history section, which states 43 % of payments were on time. This inconsistency violates FCRAs requirement for maximum possible accuracy. 
The payment history contains conflicting records, damaging my credit profile with inaccurate data. 
3. False Representation of Debt & Account Status ( FDCPA Violation 15 U.S.C. 1692e ( 8 ) ) The remarks section falsely states : Unpaid Balance Reported as a Loss by Credit Grantor while still listing an outstanding balance ( {$160.00} ) which is misleading and unlawful under credit reporting laws.

FDCPA 1692e ( 8 ) prohibits debt collectors from misrepresenting the status of a debt or furnishing false credit information. 
4. Failure to Correct Errors After Dispute ( FCRA Violation 15 U.S.C. 1681i ( a ) ) I previously disputed this account, yet XXXX failed to conduct a proper investigation and continues to report false and misleading information.

Under 15 U.S.C. 1681i ( a ), credit furnishers must investigate disputes within 30 days and correct inaccuracies immediately.

5. Debt Collection Law Violations Attempting to Collect an Invalid Debt ( FDCPA Violation 15 U.S.C. 1692f ( 1 ) ) XXXX is engaging in unfair and deceptive practices by reporting an outstanding balance ( {$160.00} ) on a charged-off account, contradicting FCRA reporting standards. 
FDCPA 1692f ( 1 ) prohibits any attempt to collect a debt that is not legally owed or accurately reported.

Requested Resolution : I demand immediate deletion of this account from my credit report due to multiple violations of federal law listed above. Any delay, stall tactics, or refusal to correct these errors will be considered willful noncompliance.

Furthermore, under 15 U.S.C. 1681n and 1681o, I am entitled to statutory damages of up to {$1000.00} per violation, along with actual damages and attorneys fees. This is my final warning before I escalate this matter to legal proceedings. 

Please resolve this complaint immediately.

Company response to consumer: Closed with explanation