Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Hatfield, Inc.
State: NY

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : Complaint Against Grid/Synapse for Inaccurate Credit Reporting and Account Mismanagement Dear CFPB, I am writing to file a formal complaint against Grid and its financial partner Synapse for their continued inaccurate and damaging credit reporting, mismanagement of my account, and failure to properly address or resolve these issues. 

Background : Grid has incorrectly reported my credit activity as delinquent for XXXX and XXXX of XXXX, despite the fact that I made timely payments during those months. I have proof of payment and supporting documentation showing that I was facing technical difficulties at the timespecifically, my payments were not reflected in the account dashboard even though they were successfully processed. 

Additionally, they have falsely reported delinquencies for XXXX and XXXX of XXXX, even though I received email confirmations for automatic payments made toward my balance in both instances. 

Their justification for these inaccuracies has been that Synapse, their financial partner, is undergoing bankruptcy, and therefore they are unable to properly update my account records or credit status. This is unacceptable, and the bankruptcy of their partner does not absolve them of their responsibility to report accurate and fair credit information. 

Further issues include : My account is still marked as open, even though I had closed it prior, and no further activity was expected. 

A remaining balance of {$8.00} is inaccurately reported as owed. This is not a debt I owe, but rather an amount they owe me due to an overpayment that I was unable to retrieve because of account issues and restrictions. 

I currently have no access to my account or payment history due to the closure and system shutdown. This has made it impossible for me to reconcile or dispute the entries directly through their platform. 

These false delinquency marks are now being reported to major credit bureaus and have had a direct negative impact on my credit score and creditworthiness.

Despite my efforts to contact Grid and seek resolution, they have failed to take responsibility or correct the inaccurate information with the credit bureaus. 

Requested Resolution : I respectfully request that the CFPB investigate Grid and Synapses handling of consumer accounts and credit reporting. Specifically, I ask that : Grid be required to immediately correct all inaccurate delinquency reports for XXXX, XXXX, XXXX, and XX/XX/year>. 

Grid update the status of my account to closed, with a {$0.00} balance owed. 

All related negative marks on my credit report be removed. 

Grid and Synapse be held accountable for the harm caused to my credit standing due to their negligence and failure to maintain accurate records. 

I am prepared to provide documentation, including proof of payment, email confirmations, and communications with Grid, to support my claims. 

Thank you for your time and assistance in this matter. I look forward to your support in resolving this issue fairly and promptly. 

Sincerely, XXXX

Company response to consumer: Closed with explanation