Synchrony Financial Credit Reporting Complaint

Synchrony Financial Credit reporting department,

Incorrect information on credit report Account status North Carolina

In summary : I have an issue with a JCPenney transaction from -/-/- that has negatively affected my credit. It is a valid transaction but I never received a bill. I am requesting that it be expunged from all - creidt bureaus. I purchased an item in -/-/- for about $35.00 at JCPenney but did not have my JCP credit card. They looked it up and posted it on an old JCP card that we no longer had, instead of the current one. Since we had n't used it for over 6 years and two household moves, we never received the bill nor any follow-on statements. I first I discovered the transaction when I found it on my annual credit report review about a year later in -/-/-. At that time it was negatively affecting my credit score and I thought it was fraud since I did not have the card or the account it was referencing ( plus it had an incorrect name as - - instead of - - ). I tried to have it removed for several months as fraud, speaking with and sending letters to both JCPenney and


time. I paid the amount they indicated ( with fees at $53.00 ) on -/-/- and confirmation number -. I was told to wait 2-3 weeks and then dispute the charge through each of the - credit bureaus so that JCP/Synchrony would erase it with notification back to those bureaus. In late -/-/-, I talked with each of the bureaus ( -, - and - ) and each entered a dispute back to JCP/Synchrony. I have heard back from - of the - Bureaus indicating that JCP/Sychrony felt the transaction was valid, paid and nothing more would be done. This is unacceptable. I have had excellent credit for 50 years. I have no other negative marks on my credit, having -- mortgages over the yearts and currently holding - bank credit cards and -- retail credit cards. This will negatively affect my credit for at least another 5 years. I need your help to erase this transaction information from my credit reports. I could not pay the bill since I never received a bill back in -/-/- since the retail clerk posted it to the wrong account.