which constitutes illegal reaging Violations Identified : XXXX. Synchrony Bank : o Failed to validate debts prior to reporting or transferring to collectors o Continued updating tradelines monthly after charge-off or sale o Did not mark accounts as sold/transferred in violation of Metro 2 Field 17A 2. Credit Bureaus ( XXXX XXXX XXXX XXXX XXXX : XXXX Are publishing inaccurate and misleading tradelines o Have failed to correct or suppress disputed accounts despite multiple disputes o Are enabling reaged accounts to remain on file beyond the XXXX FCRA limit XXXX. Third-Party Collectors ( if applicable ) : Have reported collections without providing full validation Are attempting to collect on debts that were never substantiated,Company has responded to the consumer and the CFPB and chooses not to provide a public response,SYNCHRONY FINANCIAL,FL,XXXXX,Older American,Consent provided,Web,2025-06-18,Closed with explanation,Yes,N/A,14153955

What the CFPB Record Shows About which constitutes illegal reaging Violations Identified : XXXX. Synchrony Bank : o Failed to validate debts prior to reporting or transferring to collectors o Continued updating tradelines monthly after charge-off or sale o Did not mark accounts as sold/transferred in violation of Metro 2 Field 17A 2. Credit Bureaus ( XXXX XXXX XXXX XXXX XXXX : XXXX Are publishing inaccurate and misleading tradelines o Have failed to correct or suppress disputed accounts despite multiple disputes o Are enabling reaged accounts to remain on file beyond the XXXX FCRA limit XXXX. Third-Party Collectors ( if applicable ) : Have reported collections without providing full validation Are attempting to collect on debts that were never substantiated,Company has responded to the consumer and the CFPB and chooses not to provide a public response,SYNCHRONY FINANCIAL,FL,XXXXX,Older American,Consent provided,Web,2025-06-18,Closed with explanation,Yes,N/A,14153955

which constitutes illegal reaging Violations Identified : XXXX. Synchrony Bank : o Failed to validate debts prior to reporting or transferring to collectors o Continued updating tradelines monthly after charge-off or sale o Did not mark accounts as sold/transferred in violation of Metro 2 Field 17A 2. Credit Bureaus ( XXXX XXXX XXXX XXXX XXXX : XXXX Are publishing inaccurate and misleading tradelines o Have failed to correct or suppress disputed accounts despite multiple disputes o Are enabling reaged accounts to remain on file beyond the XXXX FCRA limit XXXX. Third-Party Collectors ( if applicable ) : Have reported collections without providing full validation Are attempting to collect on debts that were never substantiated,Company has responded to the consumer and the CFPB and chooses not to provide a public response,SYNCHRONY FINANCIAL,FL,XXXXX,Older American,Consent provided,Web,2025-06-18,Closed with explanation,Yes,N/A,14153955 has accumulated 1 consumer complaint in the CFPB public database, with filings active across 0 U.S. states. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to Summ, and the most recent logged activity is Summary of, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, which constitutes illegal reaging Violations Identified : XXXX. Synchrony Bank : o Failed to validate debts prior to reporting or transferring to collectors o Continued updating tradelines monthly after charge-off or sale o Did not mark accounts as sold/transferred in violation of Metro 2 Field 17A 2. Credit Bureaus ( XXXX XXXX XXXX XXXX XXXX : XXXX Are publishing inaccurate and misleading tradelines o Have failed to correct or suppress disputed accounts despite multiple disputes o Are enabling reaged accounts to remain on file beyond the XXXX FCRA limit XXXX. Third-Party Collectors ( if applicable ) : Have reported collections without providing full validation Are attempting to collect on debts that were never substantiated,Company has responded to the consumer and the CFPB and chooses not to provide a public response,SYNCHRONY FINANCIAL,FL,XXXXX,Older American,Consent provided,Web,2025-06-18,Closed with explanation,Yes,N/A,14153955 reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "including but not limited to the account ending in XXXX", and the single most common underlying issue is "yet no proper validation was ever provided under FDCPA 809 ( b ) or FCRA 623 ( a ). This includes failure to provide : Written notice of debt ownership or assignment Full account-level documentation ( e.g.".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating which constitutes illegal reaging Violations Identified : XXXX. Synchrony Bank : o Failed to validate debts prior to reporting or transferring to collectors o Continued updating tradelines monthly after charge-off or sale o Did not mark accounts as sold/transferred in violation of Metro 2 Field 17A 2. Credit Bureaus ( XXXX XXXX XXXX XXXX XXXX : XXXX Are publishing inaccurate and misleading tradelines o Have failed to correct or suppress disputed accounts despite multiple disputes o Are enabling reaged accounts to remain on file beyond the XXXX FCRA limit XXXX. Third-Party Collectors ( if applicable ) : Have reported collections without providing full validation Are attempting to collect on debts that were never substantiated,Company has responded to the consumer and the CFPB and chooses not to provide a public response,SYNCHRONY FINANCIAL,FL,XXXXX,Older American,Consent provided,Web,2025-06-18,Closed with explanation,Yes,N/A,14153955: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.