Credit card or prepaid card -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4332619
Complaint Overview
Complaint ID: 4332619
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Investigation took more than 30 days
State: Massachusetts
ZIP Code: 02145
Date Received: 2021-04-27T12:00:00-05:00
Date Sent to Company: 2021-04-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Frequently Asked Questions
What is Complaint #4332619 about?
Complaint #4332619 was filed against Bread Financial Holdings, INC. regarding Credit card or prepaid card specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2021-04-27T12:00:00-05:00.
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 (Credit card or prepaid card) 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.