Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : XXXX Email : [ Your Email Address ] Date : XX/XX/year>XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Request for Removal of Incorrect Information - Dispute of SYNCB/PPC Account Dear Sir/Madam, I am writing to formally dispute the information on my credit report related to the SYNCB/PPC account, listed under the account number XXXX. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. Upon review, I believe this entry is incorrect and should be removed from my credit file for the following reasons : Inaccurate Reporting of Account Status : The account is marked as a " charge-off '' with a past due amount of {$120.00}. I dispute that this status is accurate. The account was not properly managed according to the terms, and I have made efforts to resolve the balance. As such, I believe the charge-off status is an error and should be re-evaluated. 
Inaccurate Payment History Reporting : The reported payment history is inconsistent, showing multiple 30, 60, and 90-day late payments, as well as a charge-off. There are discrepancies in how these payments were reported, and such errors are in violation of the FCRA, Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which mandates the accuracy and completeness of all information reported to credit agencies. 
Request for Debt Validation : Under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), I request that the creditor ( SYNCB/PPC ) validate the debt if it is still being reported as charged-off. If the creditor can not provide the necessary documentation to substantiate the validity of this debt, it should be removed from my credit report. 
Reporting Time Period Violation : The account is scheduled to remain on my credit report until XX/XX/year>, which is beyond the allowed time frame for charge-offs. Under Section 605 ( a ) ( 4 ) ( 15 U.S.C. 1681c ) of the FCRA, charge-off accounts can only be reported for up to seven years from the first missed payment that led to the charge-off. This account should be removed from my credit file as it exceeds the reporting period. 
For these reasons, I respectfully request that you conduct a full investigation of this account under Section 611 of the FCRA ( 15 U.S.C. 1681i ). Please delete or correct the inaccurate information associated with the SYNCB/PPC account and update my credit report accordingly. I would appreciate a confirmation of the results of your investigation, as well as a revised copy of my credit report once the account has been removed or updated. 

If you require any additional documentation or information to support my claim, please feel free to contact me. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the required 30-day period. 

Sincerely, XXXX XXXX

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