Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX/XXXX  XXXX Balance  Owed : {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly Delete this wrong account. 

XXXX XXXX  XXXX Balance Owed : {$1500.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

SYNCB/XXXX XXXX Balance Owed : {$1400.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX/XXXX  XXXX Balance Owed : {$22000.00} - Balance and payment history is XXXX please remove immediately. 

XXXX XXXX XXXX Balance Owed : {$4200.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX/XXXX  XXXX Balance Owed : {$8200.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

SYNCB/XXXX XXXX Balance Owed : {$5700.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX  XXXX  XXXX Balance Owed : {$11000.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 


XXXX  XXXX  XXXX Balance Owed : {$2400.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX  XXXX XXXX XXXX Balance Owed : {$3600.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act. 
XXXX XXXX Balance Owed : {$1000.00} - This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post. 

XXXX  XXXX Balance Owed : {$150.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX  XXXX  XXXX Balance Owed : XXXX - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account. 

XXXX  XXXX Balance Owed : {$4700.00} - This account is showing several violations. You are reporting a Monthly payment on this closed account. These are violation please delete this account. 

XXXX  XXXX  XXXX  XXXX Balance Owed : {$64.00} - This account shows a lot of violations. Balance is incorrect and payment history is inaccurate. Delinquencies reported after the account was closed. These are all violations please REMOVE this. 

XXXX XXXX Balance Owed : {$2500.00} - This account is not mine unless you provide me with the corresponding documents according to FCRA that it is mine. Please delete for reporting inconsistent and inaccurate information.

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