Debt collection -- False statements or representation -- Complaint #16977785
Complaint Overview
Complaint ID: 16977785
Company: Bread Financial Holdings, INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Kentucky
ZIP Code: 40299
Date Received: 2025-11-02T12:00:00-05:00
Date Sent to Company: 2025-11-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern : I am writing to dispute inaccurate information appearing on my credit report under the account listed above. This account is being reported as a charged-off despite being paid, and the reporting contains errors that violate the Fair Credit Reporting Act ( FCRA ). After reviewing my credit file, I identified the following inaccuracies : The account is listed as charged off but also marked paid, which is an inconsistent status. The payment history, balance, and/or status dates are being reported inaccurately. The reporting does not reflect complete, timely, or verifiable information as required under 15 U.S.C. 1681e ( b ) and 1681i. Because the information is incomplete, inconsistent, and unverifiable, I request that you conduct an investigation and delete this account from my credit file if the furnisher can not verify the accuracy of all reported information. Please provide me with the results of your investigation, including any documentation used to verify this account. If the creditor can not provide proper verification, the account must be deleted according to FCRA requirements. Thank you for your prompt attention. I expect your response within the 30-day investigation period. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #16977785 about?
Complaint #16977785 was filed against Bread Financial Holdings, INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-11-02T12:00:00-05:00.
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.