Consumer complaint received 2025-11-27 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: NE

Complaint narrative:
Consumer : XXXX XXXX Credit Bureau : XXXX  XXXX XXXX XXXX XXXX. 
Report XXXX : XXXX Date Generated : XX/XX/XXXX XXXX. Summary of Complaint I am filing this complaint because XXXX  is reporting inaccurate, incomplete, inconsistent, and unverifiable derogatory information on my credit report, in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to properly investigate disputes 15 U.S.C. 1681s-2 ( b ) Furnishers continuing to supply inaccurate data 15 U.S.C. 1681c ( a ) Reporting obsolete or outdated negative information Despite the law, XXXX  is continuing to report derogatory accounts with incorrect dates, incomplete settlement information, inconsistent statuses, and data that can not be verified.

I am requesting CFPB intervention and enforcement, as XXXX actions are harming my creditworthiness. 

2. Specific Problematic Accounts A. XXXX  XXXX Acct # XXXX Reported as charged off with {$5900.00} written off and {$2800.00} past due. 

Status last updated XX/XX/XXXX, but XXXX  is reporting a past-due balance as of XX/XX/XXXX a direct contradiction. 

This creates material inaccuracy and XXXX  has failed to correct it. 

Violations : FCRA 1681e ( b ) : Failing to maintain accurate data.

FCRA 1681i ( a ) ( 1 ) : Failing to reinvestigate conflicting information.

FCRA 1681s-2 ( b ) : Furnisher supplying inaccurate updates. 

XXXX XXXX XXXX Acct XXXX XXXX Reported as Paid in settlement but still reflecting a Charge Off notation. 

Settlement accounts can not legally also display charge-off indicators after settlement is completed. 

Payment history shows severe delinquency even after settlement. 
Violations : FCRA 1681e ( b ) : Misleading and incomplete reporting.

FCRA 1681i ( a ) ( 5 ) : Failure to delete unverifiable derogatory information. 

XXXX SYNCB/Amazon Acct XXXX XXXX Status : Paid in settlement with {$2800.00} written off. 

Showing charge-offs for XXXX XXXX, but the account was settled and closed. 

XXXX  is continuing to report the pre-settlement charge-off history as active derogatory data.

Violations : FCRA 1681c ( a ) : Outdated negative information.

FCRA 1681e ( b ) : Failure to ensure reporting accuracy. 

XXXX XXXX XXXX XXXX Acct # XXXX Status : Transferred/closed with {$5000.00} written off. 

Charge-off history from XX/XX/XXXX to XX/XX/XXXX still reported, but furnishers have not provided verification of the accuracy of these dates or balances. 

Violations : FCRA 1681i ( a ) : Unverified information must be deleted.

FCRA 1681s-2 ( b ) : Failure of furnisher to correct inaccurate data.

3. Additional Issues A. Multiple Incorrect Name Variations XXXX  lists 10 different name variations, including misspellings and names I have never used. 

This increases risk of file mixing and violates : FCRA 1681e ( b ) failure to maintain accurate identifying information.

B. Multiple Outdated/Incorrect Addresses XXXX  is listing outdated, incorrect, and duplicate address entries.

This raises risk of identity confusion and improper account association.

4. How XXXX  Actions Harmed Me These inaccurate derogatory accounts are lowering my credit score. 

They have caused denial of credit, higher interest rates, and reputational damage. 

XXXX  has not complied with its legal obligation to maintain accurate data nor properly investigate discrepancies.

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