Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17971459
Complaint Overview
Complaint ID: 17971459
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: Account status incorrect
State: Michigan
ZIP Code: 48601
Date Received: 2025-11-27T12:00:00-05:00
Date Sent to Company: 2025-11-27T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This complaint is about inaccurate and unlawful reporting by both Comenity Capital Bank and XXXX XXXX XXXX. The account status being reported can not be verified, is contradictory, and violates FCRA 611, 623, and XXXX XXXX reporting requirements. 1. XXXX XXXX XXXX admitted TWICE that they acquired the account and later deleted their tradeline. On XX/XX/XXXX, XXXX stated they acquired the XXXXComenity account, verified the debt, and later terminated collection efforts and sent deletion requests to the credit bureaus. This matches XXXX update between XX/XX/XXXX and XX/XX/XXXX, confirming the XXXX XXXX collection was removed. 2. On XX/XX/XXXX, XXXX submitted a second response claiming that the complaint seems to be regarding the original creditor, contradicting their first admission. These contradictions make the account unverifiable under FCRA 611 ( a ). 3. Comenity Capital Bank admitted on XX/XX/XXXX that : They are no longer the creditor They sold the account on XX/XX/XXXX to XXXX XXXX XXXX They reported a {$0.00} balance owed Despite this, Comenity continues to : Report a current charge-off Update the tradeline monthly Verify the account during disputes Refuse deletion A sold account can not be legally updated, verified, or reported as a new charge-off. This violates FCRA 623 ( a ) ( 1 ) ( A ) and XXXX XXXX Sold Account guidelines. 4. Reinsertion violations : After XXXX deleted their tradeline, no credit bureau issued an FCRA 611 ( a ) ( 5 ) ( B ) reinsertion notice. This is a federal violation. 5. Reporting now conflicts between both companies : Comenity claims they no longer own the account. XXXX claims they acquired, verified, and then deleted it. Comenity continues to report derogatory information. The information can not be verified by either furnisher. Under FCRA 611 ( a ) ( 1 ) ( 5 ), unverifiable or contradictory information must be deleted. Requested Resolution : I am requesting the CFPB to : Order Comenity Capital Bank to delete the entire tradeline from all credit bureaus Confirm XXXX XXXX deletion remains removed Address the reinsertion violations Enforce FCRA 611, 623 and XXXX XXXX reporting requirements The account can not be legally reported or verified and must be permanently deleted.
Frequently Asked Questions
What is Complaint #17971459 about?
Complaint #17971459 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 2025-11-27T12:00:00-05:00.
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.