Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14162650
Complaint Overview
Complaint ID: 14162650
Company: Bread Financial Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Arizona
ZIP Code: 85710
Date Received: 2025-06-18T12:00:00-05:00
Date Sent to Company: 2025-06-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute the unauthorized inquiry/furnishing of my consumer report. Upon reviewing my credit file, I noticed that comenity bank obtained/furnished information about me without my knowledge or consent. Pursuant to 15 U.S. Code 1681b, a consumer reporting agency may furnish a consumer report only under certain circumstances, and only with the consumers consent for most non-credit-related purposes. I did not authorize or provide written consent to [ Company Name ] or any affiliate to access, view, or obtain my consumer report. Because this inquiry/furnishing was made without permissible purpose or proper authorization, I demand that you : Immediately remove the unauthorized inquiry or entry from my credit report. Provide me with documentation of the authorization that [ Company Name ] supposedly had to access or furnish my credit report, if any exists. Provide the name and contact information of the party who accessed/furnished my report. If you are unable to validate this inquiry in accordance with Section 611 of the FCRA ( 15 U.S.C. 1681i ), you are required to remove the item within 30 days of receiving this notice. Please be advised that continued reporting of inaccurate or unverifiable information may constitute willful noncompliance and could subject your agency to legal action under the Fair Credit Reporting Act.
Frequently Asked Questions
What is Complaint #14162650 about?
Complaint #14162650 was filed against Bread Financial Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-06-18T12:00:00-05:00.
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 (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.