Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5686696
Complaint Overview
Complaint ID: 5686696
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: Nevada
ZIP Code: 89107
Date Received: 2022-06-19T12:00:00-05:00
Date Sent to Company: 2022-07-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Comenity Bank which services XXXX XXXX credit card is reporting a list of inaccurate information on my closed XXXX XXXX credit card account. I had filed a complaint with the XXXX about Comenity Bank reporting unauthorized accounts on my report which they had to remove. Immediately after, my XXXX XXXX account which had been closed since XXXX suddenly had a list of adverse information attached to it by Comenity and it was showing up as a 'recent bankruptcy. ' Ridiculous. The following adverse claims are currently showing up on XXXX, " potential late payment as of XX/XX/XXXX, account included in XXXX XXXX bankruptcy, dispute resolved consumer disagrees. '' XXXX is reporting, " Consumer disagrees after resolution. '' And my entire positive payment history has been deleted. XXXX is reporting, " XXXX XXXX bankruptcy, consumer disagrees after resolution. '' And the credit alert popped up and said, " New bankrtupcy '' on my credit, taking a huge amount of points off of my credit score. Until now I never had a reason to dispute that account, a dispute indicator was added when I had never disputed that account. And that the consumer disagrees with the resolution. Where did all this completely false information come from? It needs to be fixed immediately. This is preventing my family from applying for safer housing. It's completely unacceptable. I filed a XXXX Complaint against Comenity which they closed without my reply, and a XXXX Complaint against XXXX XXXX which they did not answer. I also now had to dispute the account with all three bureaus. This matter remains unresolved.
Frequently Asked Questions
What is Complaint #5686696 about?
Complaint #5686696 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 2022-06-19T12:00:00-05:00.
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.