Synchrony Financial Credit Card Complaint

Synchrony Financial Credit card department,

California

I am having a problem with Synchrony Bank regarding a JCP Credit Card. This item is being reported negatively on my credit reports as a charge off which is causing me to be denied credit. On - -, 2016 I sent a letter to Synchrony Bank disputing this debt and asking for validation that I had a contractual obligation with their company. I have attached the letter. Synchrony admits that they can not provide the contract as evidence n their response from another complaint I filed with the CFPB that I have attached. Synchrony Bank violated the Fair Credit Reporting Act because they failed to notify the Credit Reporting Agencies that this item was in dispute. As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting


( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). Synchrony Bank never reported to the Credit Bureaus that this account was in dispute and definitely did n't do it within the required 30 days. I have also attached a copy of my credit report from - -, 2016 and - -, 2016 showing that their account is not marked disputed. Synchrony bank can not provide validation of the debt and they are violating Federal Law by not providing the credit bureaus with proper information.