Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5091936
Complaint Overview
Complaint ID: 5091936
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: Georgia
ZIP Code: 30906
Date Received: 2022-01-10T12:00:00-05:00
Date Sent to Company: 2022-01-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint against Comenity CapitalXXXX XXXX due to incorrect reporting on my credit report. I opened an account in store with this creditor in XX/XX/XXXX. I made my first payment on XX/XX/XXXX with my checking acct but due to previous fraud issues with my bank, XXXX returned the payment. During the dispute process with the credit bureau agencies, I provided a copy of the bank statement showing where the payment was made and I also called the creditor and explained what happened but my concerns were disregarded and I was told that there was nothing that they could do. However, the late fee of {$29.00} was waived on XX/XX/XXXX, XXXX.I disputed the account as incorrect reporting information a total of 2 times, first time the result came back as {$3.00} past due as of XX/XX/XXXX ; second time the results came back as being updated as another 30 days past due ( XX/XX/XXXX ) which is incorrect. How am I past due for XX/XX/XXXX when my bill is not due until XX/XX/XXXX? Upon finding out these results, I contacted the creditor on XX/XX/XXXX only for my concerns to be disregarded a second time and was told they are not showing that the acct is past due for XXXX and that my account would be notated. I am in the process of purchasing my first home and this is hindering me from being able to do so. I am asking that the creditor would update and furnish the credit reporting agencies with the correct reporting information.
Frequently Asked Questions
What is Complaint #5091936 about?
Complaint #5091936 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 2022-01-10T12:00:00-05:00.
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, 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.