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Their investigation did not fix an error on your report. I am writing to file a formal complaint against Synchrony Bank, also known as PayPal Credit, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX, for numerous violations of my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). Details of the Violations : 1. Synchrony Bank ( PayPal Credit ) : o Between XX/XX/XXXX and XX/XX/XXXX, Synchrony Bank refused to acknowledge my dispute or remove a charge from my credit account, in violation of the FCBA ( 15 U.S.C. 1666 ). o Synchrony Bank deliberately reported inaccurate information on my credit profile to all credit bureaus ( XXXX, XXXX, and XXXX ), in violation of the FCRA ( 15 U.S.C. 1681s-2 ). o Despite disputing the account with all three credit bu