Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14030148
Complaint Overview
Complaint ID: 14030148
Company: Bread Financial Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Washington
ZIP Code: 98908
Date Received: 2025-06-11T12:00:00-05:00
Date Sent to Company: 2025-06-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
What happened? On XX/XX/year>, a hard inquiry was placed on my credit report by Comenity Capital BankXXXX without my knowledge, consent, or authorization. I have no recollection of applying for any credit with this company on or around that date. I believe this was a result of identity theft, as Ive recently uncovered multiple accounts, applications, and fraudulent inquiries on my credit profile that I did not initiate. I am currently filing identity theft reports and working with the proper agencies to remove all unauthorized activity from my credit. This inquiry is one of several that do not belong to me, and I am demanding a full removal from all major credit reporting agencies, including XXXX XXXX XXXX XXXX, and XXXX. I did not authorize this credit check, did not initiate a relationship with XXXX XXXX, and have never received any communication, approval, or account from this creditor. Under the Fair Credit Reporting Act ( FCRA ), no hard inquiry may be placed on a consumers credit file without express written consent. This was a violation of that law.
Frequently Asked Questions
What is Complaint #14030148 about?
Complaint #14030148 was filed against Bread Financial Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-06-11T12:00:00-05:00.
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 reporting or other personal consumer reports) 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.