Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX c/o XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Pennsylvania ( XXXX ) non-domestic XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX **Subject : Dispute of Credit Report Information inaccuracy To Whom this may concern, I received a copy of my credit report and found the following items to be in error by the provisions of the Fair Credit Reporting Act. 
I demand these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. 
Please remove any information that the creditor can not verify. 
I understand under 15 USC 1681i ( A ) you must complete this investigation within the 30 days of the receipt of this letter This letter is to formally dispute the accuracy of information appearing on my credit report ( s ) as maintained by your respective bureaus.

I am requesting that you investigate and correct the following inaccuracies : * XXXX XXXX : * Date of last payment * FCRA Codes violated : 15 U.S.C 1681S-2, 15 U.S.C 1681i ( a ), 15 U.S.C 1666 ( b ), 15 U.S.C 1681i ( a ) ( 6 ) ( b ) ( iii ) 15 USC 1028A , 15 USC LAW FCRA 605B * XXXX XXXX XXXX XXXX XXXX Listed as Charge off. Did not receive the 1099c cancellation of debt for taxes. 
* FCRA Codes violated : 15 USC 1681 ( e ) ( b ) 15 U.S.C 1681S-2, 15 U.S.C 1681i ( a ), 15 U.S.C 1666 ( b ), 15 U.S.C 1681i ( a ) ( 6 ) ( b ) ( iii ) 15 USC 1028A , 15 USC LAW FCRA 605B * XXXX XXXX XXXX XXXX  * Listed as Charge off. Did not receive the 1099c cancellation of debt for taxes. 
* Date of First Violation : XX/XX/XXXXXXXX  Inaccurate information reported. 
* FCRA Codes violated : 15 USC 1681 ( e ) ( b ) 15 U.S.C 1681S-2, 15 U.S.C 1681i ( a ), 15 U.S.C 1666 ( b ), 15 U.S.C 1681i ( a ) ( 6 ) ( b ) ( iii ) 15 USC 1028A , 15 USC LAW FCRA 605B * XXXX XXXX XXXX XXXX * Listed as Charge off. Did not receive the 1099c cancellation of debt for taxes. 
* FCRA Codes violated : 15 USC 1681 ( e ) ( b ) 15 U.S.C 1681S-2, 15 U.S.C 1681i ( a ), 15 U.S.C 1666 ( b ), 15 U.S.C 1681i ( a ) ( 6 ) ( b ) ( iii ) 15 USC 1028A , 15 USC LAW FCRA 605B * SYNCB/PPC * Listed as Charge off. Did not receive the 1099c cancellation of debt for taxes. 
* FCRA Codes violated : 15 USC 1681 ( e ) ( b ) 15 U.S.C 1681S-2, 15 U.S.C 1681i ( a ), 15 U.S.C 1666 ( b ), 15 U.S.C 1681i ( a ) ( 6 ) ( b ) ( iii ) 15 USC 1028A , 15 USC LAW FCRA 605B * XXXX  ** Listed as Charge off. Did not receive the 1099c cancellation of debt for taxes. 
* FCRA Codes violated : 15 USC 1681 ( e ) ( b ) 15 U.S.C 1681S-2, 15 U.S.C 1681i ( a ), 15 U.S.C 1666 ( b ), 15 U.S.C 1681i ( a ) ( 6 ) ( b ) ( iii ) 15 USC 1028A , 15 USC LAW FCRA 605B I believe the above information is inaccurate and/or incomplete for the following reasons : * I do not recognize this account. 
* The date of last activity is incorrect. 
* I believe this account has been reported in error. 
* I have not received my 1099c ( cancellation of debt ) for personal income taxes. 

I request that you promptly investigate this matter and correct my credit report ( s ) accordingly, Delete All inaccuracies and {$1000.00} per FCRA violation. Please provide me with written verification of the results of your investigation within the time frame required by the Fair Credit Reporting Act ( FCRA ).

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