Synchrony Financial Credit Card Complaint

Synchrony Financial Credit card department,

Delinquent account Texas

Synchrony Bank is reporting an inaccurate and incomplete account on my credit report. I first disputed this alleged account on - -, 2015 with - and -, the - credit reporting agencies which are reporting this account on my credit report ( see attachment ). I received correspondence from - and - stating that the account was verified as accurate by Synchrony Bank. On - -, 2015, I disputed the completeness and accuracy of the alleged account directly with Synchrony Bank ( see attachment ). Synchrony Bank provided correspondence dated - -, 2015 ( I received the correspondence on - -, 2015 ) stating that they had reviewed their records and verified the account ( see attachment ). However, Synchrony Bank did not, and has not provided any competent or reliable evidence to prove the completeness or accuracy of this alleged account.


Synchrony Bank has also violated provisions of the Fair Credit Reporting Act ( FCRA ). Synchrony Bank did not and has not annotated the account as disputed. Synchrony Bank has continued reporting the disputed account without providing a notice of dispute as required by the FCRA section 623 ( a ) ( 3 ). Additionally, Synchrony Bank did not notify me that a negative listing was to be reported on my credit report as required by the FCRA section 623 ( a ) ( - ) ( A ) ( i ). Furthermore, Synchrony Bank has not provided a date of first delinquency to the credit reporting agencies as required by the FCRA section 623 ( a ) ( - ) ( A ). As per evidence presented above, Synchrony Bank is in violation of multiple provisions of the FCRA. I respectfully request that this inaccurate and incomplete tradeline be removed from my credit reports with all credit reporting agencies including, but not limited to, -, -, -, and -. I sincerely appreciate your attention to this matter.