Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4761505
Complaint Overview
Complaint ID: 4761505
Company: Bread Financial Holdings, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Texas
ZIP Code: 77406
Date Received: 2021-09-28T12:00:00-05:00
Date Sent to Company: 2021-10-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am receiving credit through XXXX XXXX XXXX for the Comenity Bank XXXX account . I am current and have paid all bills related to the account but XXXX has a separate line of credit for the same items but reporting I have NOT PAID MY BILL at all. This reflects an inaccurate tradeline and is damaging my score. I pay my bill and have credit through XXXX XXXX XXXX for XXXX merchandise . I should not have 2 tradelines for the same line of credit. I need the tradeline for Comenity Bank XXXX to reflect the on time/NEVER late payments that XXXX XXXX XXXX has on file on all 3 credit Bureaus.
Frequently Asked Questions
What is Complaint #4761505 about?
Complaint #4761505 was filed against Bread Financial Holdings, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2021-09-28T12:00:00-05:00.
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 reporting, credit repair services, 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.