On XXXX XXXX, 2015, I submitted applications to XXXX, XXXX and XXXX ( collectively " The Agencies '' ) and obtained reports from XXXX and XXXX. 
Within the XXXX reports I received, are tradelines from SYNCHRONY BANK ( SYNCB ). On XXXX XXXX, 2015, I sent to SYNCB via certified mail, return receipt a Request for Validation ( Request ) for the alleged debt SYNCB has reported to XXXX and XXXX, and possibly to XXXX. My Request to SYNCB was received on XXXX XXXX, 2015. 
In my Request to SYNCB, I requested specific documentation be provided to me within XXXX calendar days. The documentation I requested would, if provided, prove : 1 ) the debt SYNCB has alleged I owe, is indeed valid : and, 2 ) I legally owe said debt to SYNCB. However, if the documentation could not be provided, the lack thereof would serve to prove : 1 ) the debt SYNCB has alleged I owe is invalid ; and, 2 ) that I do not legally owe said debt to SYNCB. 
On XXXX XXXX, 2015, ( XXXX calendar days after XXXX XXXX, 2015 ), in response to SYNCB 's failure/refusal to respond to my Request, I sent a letter to SYNCB, via certified mail, return receipt. Therein that letter, I informed SYNCB that as a result of its failure or refusal to produce the required information and documentation needed in order to validate the alleged debt, same can not be considered as valid or legally enforceable by SYNCB, and, as such, SYNCB is required by law to contact " The Agencies '' so as to delete the tradeline associated with the alleged debt SYNCB claims I owe, but can not, or has refused to, validate. Also therein that same letter, I informed SYNCB that I would be sending to " The Agencies '' a copy of the Request. And on XXXX XXXX, 2015, I did send copies of the Request for Validation to " The Agencies. " In addition to the copies of the Request I contacted " The Agencies '' via telephone or online, reporting disputes to the tradeline associated with SYNCB. On XXXX XXXX, 2015, I contacted XXXX via telephone making a dispute therewith, against SYNCB. On XXXX XXXX, 2015, I made disputes with XXXX and XXXX against SYNCB via their online dispute submission form. To date, SYNCB has failed or is refusing to Validate the debt it claims I owe and which it is reporting to " The Agencies. '' The false and fraudulent reporting by SYNCB has possibly resulted in not only a loss of employment opportunities for me, but also loans which I have applied for in order to pay for college tuition. 
On XXXX XXXX, 2015, SYNCB sent to me a letter, stating it is unable to locate the account record with the same partial number that is being reported and displayed in the credit reports I received on XXXX XXXX, 2015. On XXXX XXXX, 2015, I responded to the aforementioned letter informing SYNCB the the " partial number '' is the number being reported and that I do not have, nor have I ever, held any account with SYNCB.