Consumer complaint received 2025-09-02 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: MN

Complaint narrative:
On XX/XX/ 2025, I faxed Synchrony Bank a formal Cease-and-Desist & Debt Verification Request ( confirmation retained ). That notice disputed the alleged XXXX/Synchrony Car Care account, revoked all consent to contact, and demanded validation under 15 U.S.C. 1692g ( b ). Despite acknowledging receipt, Synchrony has repeatedly violated federal and state law, misrepresented compliance to the CFPB, and continues to report inaccurate account information to credit bureaus. 

Violations Chronology : XX/XX/2025 ( Complaint # XXXX ) : Synchrony emailed me attempting to collect. Unlawful contact after cease ( FDCPA 1692c ( c ) ). 
XX/XX/2025 ( Complaint # XXXX ) : Synchrony blocked my emails to executive/compliance addresses after I asserted my rights retaliation and obstruction. 
XX/XX/2025 : Synchrony mailed me a communication after acknowledging receipt of my cease. Another 1692c ( c ) violation. 
XX/XX/ 2025 ( Complaint # XXXX ) : Synchrony falsely claimed they could still send billing statements. Misrepresentation under FDCPA 1692e ( 10 ). 
XX/XX/ 2025 ( Complaint # XXXX ) : Synchrony mailed me a billing statement marked STATEMENT ENCLOSED : Payment may be required. Not a permissible exception under 1692c ( c ). 
XX/XX/ 2025 ( Complaint # XXXX ) : Three separate unlawful contacts proven ( XX/XX/XXXX email, XX/XX/XXXX letter, XX/XX/XXXX billing statement ). 
XX/XX/2025 ( Complaint # XXXX ) : Synchrony mailed three letters the same day with varying postage. Harassment and deception in violation of 1692d, 1692e ( 5 ), 1692e ( 10 ), Minn. Stat. 332.37 ( 12 ). 
XX/XX/ 2025 : Synchrony told the CFPB they had complied with my cease. They provided only generic terms and transaction summaries ( not debt validation ) and falsely limited my cease to phone calls. 
XX/XX/ 2025 : Four days later, I received another email from Synchrony asking me to update my address to continue receiving account information. This is direct collection activity, a fresh 1692c ( c ) violation, and clear proof that Synchrony lied to the CFPB.

Violations Summary Statutes Broken & Supporting Evidence : FDCPA 1692c ( c ) ( Cease-and-Desist Violations ) : Evidence : XX/XX/XXXX email, XX/XX/XXXX mailed letter, XX/XX/XXXX billing statement, XX/XX/XXXX triple mailing, XX/XX/XXXX email. 
Each contact after XX/XX/XXXX is a standalone violation. 
FDCPA 1692g ( b ) ( Failure to Validate Debt ) : Evidence : My XX/XX/XXXX validation request, Synchronys failure to produce signed agreements or itemized proof. 
Synchrony only provided generic terms and conditions and summaries, which do not meet statutory requirements.

FDCPA 1692e ( 5 ), ( 1XXXX ) ( False/Deceptive Practices ) : Evidence : XX/XX/XXXX triple mailing with varying postage ( deception tactic ). 
Misleading claim that they can continue sending statements despite cease. 
False representations in their XX/XX/XXXX CFPB response. 
FDCPA 1692d ( Harassment or Abuse ) : Evidence : Multiple letters mailed the same day, redundant and coercive communications.

Repeated contact despite clear notice of dispute and cease.

FCRA 1681s-2 ( b ) ( Inaccurate Credit Reporting ) : Evidence : Synchronys admission to CFPB that they continue reporting the account. 
Reporting an unvalidated, disputed account is inaccurate and unlawful. 
Minn. Stat. 332.37 ( 12 ) ( Harassment by Collection Agency ) : Evidence : XX/XX/XXXX triple mailing, repeated post-cease letters and emails. 
Pattern of harassment in violation of state law. 
Minn. Stat. 325F.69 ( Deceptive and Unfair Practices ) : Evidence : Passing off generic documents as validation, misrepresenting compliance to both me and CFPB.

Obstructing my lawful communications ( blocked emails ).

Pattern of Misconduct : Synchrony has engaged in at least seven unlawful contacts since my cease request. They have ignored federal law, violated state protections, harassed me with deceptive mailings, furnished inaccurate account information to credit bureaus, and even lied to the CFPB in their official response.

Requested Relief : 1. Compel Synchrony to immediately cease all communications.

2. Order Synchrony to delete all credit bureau reporting for this unvalidated account.

3. Recognize the alleged debt as unvalidated and unenforceable.

4. Escalate this case for enforcement given Synchronys willful, repeated violations and bad-faith misrepresentations.

5. Confirm each unlawful contact as a separate statutory violation under FDCPA 813 / 15 U.S.C. 1692k ( a ) ( 2 ) ( A ).

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