Debt collection -- Attempts to collect debt not owed -- Complaint #11791398
Complaint Overview
Complaint ID: 11791398
Company: Bread Financial Holdings, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Illinois
ZIP Code: 60643
Date Received: 2025-01-26T12:00:00-05:00
Date Sent to Company: 2025-01-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Frequently Asked Questions
What is Complaint #11791398 about?
Complaint #11791398 was filed against Bread Financial Holdings, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-01-26T12:00:00-05:00.
How did Bread Financial Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Bread Financial Holdings, INC.?
Yes, visit the Bread Financial Holdings, INC. company profile at readthecomplaint.com/company/bread-financial-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.