Credit card -- Incorrect information on your report -- Complaint #13454681
Complaint Overview
Complaint ID: 13454681
Company: Bread Financial Holdings, INC.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Florida
ZIP Code: 33155
Date Received: 2025-05-11T12:00:00-05:00
Date Sent to Company: 2025-05-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Comenity Bank charged off and sold the account in XXXX. I disputed the reporting in XX/XX/XXXX and never received a response. I paid the full balance to XXXX XXXX XXXX, the debt buyer, and the account was marked satisfied on XX/XX/XXXX. Despite this, Comenity is still reporting the account with a removal date of XX/XX/XXXX, which is inaccurate. The last payment was in XXXX, so the account should be removed in XXXX under the FCRA. This appears to be re-aging and false reporting.
Frequently Asked Questions
What is Complaint #13454681 about?
Complaint #13454681 was filed against Bread Financial Holdings, INC. regarding Credit card specifically about Incorrect information on your report. It was received by the CFPB on 2025-05-11T12:00:00-05:00.
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 (Credit card) 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.