Synchrony Financial Credit Card Complaint

Synchrony Financial Credit card department,

Delinquent account New York

Synchrony Bank ( formerly GE Capital Retail Bank ) persists in reporting a fabricated FCRA Compliance Date/Date of First Delinquency on my Lowe 's account. My attorney states that this is a blatant violation of the Fair Credit Reporting Act. As the attached history shows, my account became delinquent in early 2013 and I entered into an agreement to settle the outstanding debt in the summer of that year. The final contractual settlement payment was made in -/-/2013 at which time the outstanding debt was cancelled. Synchrony Bank has reported the FCRA Compliance Date/Date of First Delinquency to the credit bureaus as -/-/2013 or -/-/2013. Per attorney this is false and unlawful on its face because no delinquency or unpaid debt existed in those months ; all outstanding debt had been cancelled in -/-/2013 and could not have been delinquent in that month or the subsequent one. The first delinquency that should have been reported ( assuming the validity of the charge-off reporting here in the first place ) is the original delinquency leading to the settlement agreement.