Debt collection -- Attempts to collect debt not owed -- Complaint #12375368
Complaint Overview
Complaint ID: 12375368
Company: Bread Financial Holdings, INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Texas
ZIP Code: 77084
Date Received: 2025-03-06T12:00:00-05:00
Date Sent to Company: 2025-03-06T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I disputed the Comenity BankXXXX XXXX account XXXX XXXX, XXXX, and XXXX in XX/XX/scrub> 2024, as the information reported is inaccurate, unverifiable, and contradictory across all bureaus. The credit bureaus verified the account as accurate without proof from Comenity, violating my rights under the Fair Credit Reporting Act ( FCRA ). Discrepancies & Violations : Conflicting Account Open Dates and Last Activity Dates The open dates and last activity dates reported by Comenity do not match across all three bureaus, creating confusion and inaccuracies in my credit file. Violation : FCRA 623 ( a ) ( 1 ) ( A ) - Accuracy of Information Different Payment History Across Bureaus The payment history is inconsistent between XXXX, XXXX, and XXXX. Some months show on-time payments, while others incorrectly reflect late payments. Violation : FCRA 607 ( b ) - Maximum Possible Accuracy Conflicting Date of First Delinquency ( DOFD ) Comenity reports different DOFDs across credit bureaus, affecting how long this negative item remains on my credit report. Violation : FCRA 605 ( c ) - Illegal Re-Aging Charge-Off Amount Inconsistencies Comenity lists conflicting charge-off amounts across bureaus. If the debt was charged off, it should reflect the same balance across all reports. Violation : FCRA 623 ( a ) ( 5 ) - Misleading Reporting Failure to Provide a Method of Verification ( MOV ) When I disputed this account in XX/XX/scrub> 2024, Comenity failed to provide proof that the debt is valid or how they verified the accounts accuracy. Violation : FCRA 611 ( a ) ( 7 ) - Right to Method of Verification Transfer of Debt to XXXX XXXX XXXX Without Proper Validation This account was later sold or transferred to XXXX XXXX XXXX, which is now reporting conflicting information about the same debt. If the debt was sold, Comenity no longer owns it and should not be reporting conflicting balances or statuses. Violation : FCRA 623 ( a ) - Duty to Report Accurate Information Continued Reporting After Transfer to a Debt Collector If Comenity charged off and sold the account, they can not continue to report an outstanding balance after the sale. Only one entity can report the debt at a time. Violation : FCRA 623 ( a ) ( 5 ) - Reporting of Outdated Information This account was previously disputed with the CRAs in XX/XX/year>2024, and no proper validation was provided by Comenity. The credit bureaus failed to investigate properly and instead " verified '' inaccurate information in violation of the FCRA. The account was later sold to XXXX XXXX XXXX, yet Comenity continues to report inaccurate data.
Frequently Asked Questions
What is Complaint #12375368 about?
Complaint #12375368 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 2025-03-06T12:00:00-05:00.
How did Bread Financial Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.