Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Formal Complaint : Violations of the Fair Credit Reporting Act ( FCRA ) XXXX just sent me a dispute resolution, where several errors are still on my Credit file. The accounts XXXX XXXX XXXX sent for " DEMAND FOR DELETION '' to the bureau ( XXXX ) in XX/XX/XXXX still remain : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Synchrony, XXXX, XXXX XXXX XXXX Synchrony. 
I. Summary I am filing this complaint against XXXX  and the following furnishers for their failure to comply with the Fair Credit Reporting Act : XXXX XXXXXXXX XXXX  ( XXXX ), XXXX. 
Synchrony Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Despite initiating several formal disputes via XXXX  and the CFPB in XX/XX/XXXX, and again on XX/XX/XXXX ( CFPB ), these furnishers have failed to correct, remove, or validate derogatory information. Tradelines remain inaccurately reported, mislabeled as dispute resolved or reinvestigation in process, and continue to suppress my credit score without basis.

II. Statutory Violations The following sections of the FCRA have been repeatedly violated : 1681s-2 ( b ) : Failure to conduct a reasonable reinvestigation 1681i ( a ) ( 5 ) : Failure to delete unverifiable information 1681e ( b ) : Reporting inaccurate and misleading information 1681i ( c ) : Failure to provide reinvestigation results 623 ( a ) ( 5 ) : Inaccurate reporting of date of first delinquency ( re-aging ) 4 III. Breakdown by Furnisher XXXX XXXX : XXXX tradelines reporting monthly charge-offs for XXXX months. Disputes falsely marked resolved without reinvestigation. Violations : XXXX ( b ), XXXX ( a ) ( XXXX ) Synchrony Bank : Multiple accounts re-aged and showing identical balances despite disputes. Reinvestigation in Process shown for over XXXX  months. Violations : XXXX ( b ), XXXX ( b ) XXXX XXXX XXXX XXXX : Disputed account continues to report derogatory status. No change or outcome provided. Violations : 1681s-2 ( b ), 1681i ( c ) XXXX XXXX XXXX sent a demand letter for deletion on XX/XX/XXXX and items remain. Item is disputed. 

XXXX XXXX : XXXX tradelines with monthly charge-off notations ; disputes labeled resolved with no proof of validation/resolution. Violations : XXXX ( a ) ( XXXX ), XXXX ( b ) XXXX XXXX XXXX sent a demand letter for deletion on XX/XX/XXXX and items remain. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Unchanged status despite disputes and complaints. Re-aging suspected. Violations : 1681s-2 ( b ), 623 ( a ) ( 5 ) - XXXX XXXX XXXX sent a demand letter for deletion on XX/XX/XXXX and items remain. 
XXXX XXXX/ XXXX XXXX : Static balance reported since XXXX ; no validation provided despite repeated demands. Violations : 1681e ( b ), 1681s-2 ( b ) - XXXX XXXX XXXX sent a demand letter for deletion on XX/XX/XXXX and items remain. 
XXXX / XXXX : Same balance ( {$1000.00} ) reported monthly from XXXX XXXX XXXX  ; conflicting remarks ( Disputed and Reinvestigation ). Violations : 1681s-2 ( b ), 1681i ( a ) ( 5 ), 1681e ( b ) Items not validated per FDPCA/FCRA Guidelines per XXXX XXXX XXXX. XXXX XXXX XXXX sent a demand letter for deletion on XX/XX/XXXX and items remain. 
IV. Case Law and Regulatory Actions XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) : Liability for continued reporting of inaccurate data after dispute XXXXXXXX XXXX XXXX XXXX XXXX ) : $ XXXX judgment for failure to resolve tradeline errors XXXX XXXX  CFPB Enforcement ( XXXX ) : $ XXXX penalty for furnishing false credit data Class Action ( XXXX ) : Lawsuit over mishandled consumer data and systemic negligence XXXX XXXX CFPB Fine ( XXXX ) : $ XXXX penalty for wrongful repossessions and credit harm Class Action ( XXXX ) : Alleged unauthorized product enrollments and FCRA violations XXXX XXXXXXXX CFPB Lawsuit ( XXXX ) : Deceptive practices tied to interest rate suppression Class Action Settlement : $ XXXX payout for misleading account terms Synchrony Bank Class Action ( XXXX ) : Excessive interest rates and failure to disclose terms on medical credit products XXXX  XXXX Settlement XXXX $ XXXX over illegal collection activity post-dispute

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