Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
In XXXX I enrolled XXXX accounts ( XXXX bank and XXXX credit cards ) into a debt management program. On XX/XX/XXXX I cancelled the program due to trying to refinance my home. The credit management company, XXXX XXXX, notified both companies that I was no longer enrolled and that they would be receiving my payments from me moving forward. These XXXX companies have placed a comment on my credit report that says, " Account payments managed by credit counseling service ''. Aside from XXXX XXXX providing documentation on XX/XX/XXXX that I was no longer in that program, the following has also been submitted : XXXX XXXXproof of no longer being enrolled sent from me. On XXXX spoke to XXXX who stated information was received on XX/XX/XXXX and should have been updated. She apologized and stated she was not sure why it wasn't. She transferred me to XXXX who stated that typically it takes XXXX  days but that she would try to have it expedited due the re-financing situation. I had several online chats in between those dates, who also confirmed that it was received and updated, however it is still reporting the comment. Today, XX/XX/XXXX I spoke to XXXX XXXX who stated that they still had received any info stating the account was no longer enrolled, despite confirmation from XXXX on XX/XX/XXXX saying other wise. 

Ally/Ollo- XX/XX/XXXX sent verification of no longer being in program to XXXX ( fax ) as instructed. Follow up XXXX to XXXX who transferred me to supervisor XXXX. XXXX stated he sees the correspondence and isn't sure why it is not updated yet. Called again on XXXX XXXX spoke to XXXX who stated my account was " charged-off ''. I advised her that it was not, she corrected herself and transferred me to Supervisor XXXX. XXXX stated that there were no correspondence in my account. Once again, I sent to XXXX and was told to try back to ensure it was received. I called at XXXX told to call back in XXXX hours and then again at XXXX. Once again, was told they had no received it but that a XXXX would call me by the end of the day. I did not receive a call. I called again on XX/XX/XXXX @ XXXX and spoke to XXXX. I was apologized to and told I was given the incorrect number, that was the correspondence number and to send it to XXXX, which I did. Throughout this whole time, I have been told it has to go to correspondence and that I could not speak to any one in that department. They continue to say that they are not reporting the comment to the credit agencies, however as of XX/XX/XXXX the comment is still on my report and preventing me from closing on my loan. ( this data is from conversations about my account as well as my wife 's account. Both accounts were discussed at the same time, and all information sent included both names and both accounts numbers. 
Both companies have been given adequate information from myself and XXXX XXXX, to correct their mistakes. I have filed a dispute with the credit reporting agencies, the companies still say they are reporting correctly. All info on the accounts is correct, with the exception of the credit counseling comment. These attachments are from XX/XX/XXXX ( the date I requested them from XXXX XXXX ) not the date XXXX XXXX originally sent the document to the creditors which was XX/XX/XXXX. I also have proof of fax confirmations but can not attach due to attachment limit.

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 non-monetary relief