Debt collection -- False statements or representation -- Complaint #14911862
Complaint Overview
Complaint ID: 14911862
Company: Bread Financial Holdings, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Georgia
ZIP Code: 30039
Date Received: 2025-07-27T12:00:00-05:00
Date Sent to Company: 2025-08-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question and they are negativity impacting my credit. Per section 15 USC 1681 c-2. Any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days
Frequently Asked Questions
What is Complaint #14911862 about?
Complaint #14911862 was filed against Bread Financial Holdings, INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-07-27T12:00:00-05:00.
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 (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.