Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Subject : Dispute of Negative Item on Credit Report SYNCB/PPC Account Charge-Off and Unauthorized Debt Collection Dear CFPB, I am writing to dispute a negative item on my credit report related to my account with SYNCB/PPC. I have faced significant issues with this account, including an unjustified charge-off, improper reporting, and harassment from a debt collector with whom I have no business agreement. Additionally, I want to emphasize that I am a victim of multiple data breaches over the past years, which has contributed to inaccuracies in my credit report and adversely affected my credit standing. 

Below are the details of the disputed account : Creditor Name : SYNCB/PPC Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off ; {$660.00} written off as of XX/XX/XXXX. 
Balance : {$660.00} Credit Limit : {$1000.00} Highest Balance : {$1900.00} Account Status : Closed by creditor, with a charge-off. 
Issues : Charge-Off Without Proper Notification : My account was charged off, yet I did not receive a 1099-C form or any official communication from SYNCB/PPC regarding the charge-off . This action has negatively impacted my credit score and financial stability.

Unauthorized Debt Collection and Harassment : I have received numerous harassing phone calls from a debt collector regarding this account. I have no business relationship with this debt collector, nor have I entered into any agreement with them. Despite this, they have been provided with my personal information by SYNCB/PPC without my permission or authorization, which I believe is a violation of my rights under consumer protection laws.

Data Breach Impact : As a victim of a series of data breaches, I have faced ongoing challenges in maintaining the accuracy and integrity of my credit report. The mishandling of my information by SYNCB/PPC and the unauthorized sharing with third parties further compounds this issue.

Resolution Requested : I respectfully request the following : A thorough investigation into the actions of SYNCB/PPC and their handling of my account, including the charge-off and the failure to issue a 1099-C form. 
Immediate removal of the negative charge-off entry from my credit report, as this information is inaccurate and unfairly impacts my credit score. 
An explanation from SYNCB/PPC regarding their unauthorized sharing of my personal information with the debt collector. 
A review of how my personal information has been handled, given my status as a victim of data breaches, to ensure my rights under consumer law have not been violated. 
Supporting Documents : I have attached the following documents to support my dispute : A copy of my credit report showing the disputed SYNCB/PPC entry XXXX 
Any relevant documentation related to the data breaches that have affected my credit and personal information. 
I trust that the CFPB will help address these concerns in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Credit Report Data Breach Documentation

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