Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14987377
Complaint Overview
Complaint ID: 14987377
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: California
ZIP Code: 92653
Date Received: 2025-07-30T12:00:00-05:00
Date Sent to Company: 2025-07-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2024, a hard inquiry from COMENITYCB/XXXX XXXX was added to my credit report. I did not apply for credit, authorize this inquiry, or give permission to this company to access my credit file. I have never done business with them or submitted any application that would justify this inquiry. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that a person or company must have a permissible purpose to obtain a consumer 's credit report. I believe this inquiry is fraudulent and unauthorized.
Frequently Asked Questions
What is Complaint #14987377 about?
Complaint #14987377 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 2025-07-30T12:00:00-05:00.
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.