Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14627487
Complaint Overview
Complaint ID: 14627487
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: Old information reappears or never goes away
State: Texas
ZIP Code: XXXXX
Date Received: 2025-07-13T12:00:00-05:00
Date Sent to Company: 2025-07-13T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Dispute of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violations After Failed Reinvestigation Dear [ XXXX XXXX XXXX I am writing to dispute inaccurate and unverifiable information on my credit report regarding a CB/NY & CO account, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I previously requested reinvestigation of this account, but the inaccuracies persist, indicating potential violations of federal law. I demand a thorough reinvestigation and immediate correction or removal of this account from my credit report. Account Details ( as reported by [ XXXX XXXX XXXX XXXX Creditor : CB/NY & CO Account NumbeXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Revolving ( Charge Account ) Account Status : [ Closed for XXXX ; Derogatory for XXXX ; Paid for XXXX XXXX Date Opened XXXX [ XX/XX/XXXX for TransUnion ; XX/XX/XXXX for XXXX ] Date Last Active : [ XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Date of Last Payment XXXX [ XX/XX/XXXX for XXXX ; Not Reported for XXXX XXXX Balance : {$0.00} Payment Status : Current Comments : XXXX XXXX XXXX " Canceled by credit grantor, Account has been closed due to inactivity, Closed or paid accountXXXX balance '' ; XXXX XXXX XXXX XXXX included in or discharged through Bankruptcy XXXX XXXX XXXX XXXX XXXX Accounts closed by credit grantor '' ; XXXX XXXX None ] Reason for Dispute and FCRA Violations : Despite my prior disputes, the CB/NY & CO account continues to be reported with multiple inaccuracies, violating the following FCRA provisions : Inconsistent Account Status : The account is reported as " Closed '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), despite a {$0.00} balance and " Current '' payment status. This violates 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum possible accuracy. False Bankruptcy Comment XXXX XXXX XXXX XXXX XXXX comment, " Debt included in or discharged through Bankruptcy XXXX XXXX XXXX XXXX XXXX '' is inaccurate, as I have not filed for bankruptcy. This false and damaging remark violates 15 U.S.C. 1681e ( b ) and misleads creditors, potentially harming my creditworthiness. Inconsistent Dates and Account Numbers : The account shows conflicting opening dates ( XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX ), last active dates, and account numbers ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last Reported '' date of XX/XX/XXXX is erroneous, as it is a future date. These errors further violate 15 U.S.C. 1681e ( b ). Failure to Conduct Reasonable Reinvestigation : I previously disputed this account, but the inaccuracies remain, indicating a failure to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i ( a ). This failure may also implicate the creditor ( e.g., Comenity Bank ) for not correcting inaccurate information, violating 15 U.S.C. 1681s-2 ( b ). Unverifiable Information : If the creditor can not verify the accounts details ( e.g., status, bankruptcy comment, or dates ), the account must be removed per 15 U.S.C. 1681i ( a ) ( 5 ). The bureaus and creditors failure to correct these errors after my prior disputes suggests willful noncompliance under 15 U.S.C. 1681n, potentially entitling me to damages. These inaccuracies, particularly the false bankruptcy comment, may have caused significant harm to my credit profile.
Frequently Asked Questions
What is Complaint #14627487 about?
Complaint #14627487 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 2025-07-13T12:00:00-05:00.
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.