Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6162519
Complaint Overview
Complaint ID: 6162519
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 information incorrect
State: Delaware
ZIP Code: 19702
Date Received: 2022-11-03T12:00:00-05:00
Date Sent to Company: 2022-11-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX XX/XX/XXXX Transuion, XXXX Letter to remove Inaccurate Credit Information To whom this may concern, This specific letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please do me a favor and investigate as well as verify that all data for this account is reporting accurately as well as include every notion of date and balance whether reported or not. Dispute late payment - XXXX XXXX XXXX XXXX Account starting ( XXXX ) XX/XX/XXXX XXXX, XXXX and XXXX of XXXX I would like to also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report within the last six months. I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. It is my understanding that evidence must be provided within 15 days of the completion of your investigation. I also have read and understand that under federal law, you have 30 days to complete your investigation. It is my understanding that you must also validate these particular items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. Iknow this must be complete within 30days of receipt of the letter, or you must remove the incorrect information. Please be sure to send an updated copy of my credit report to the above address. Thank you ahead of time for your time in this concerning matter. Sincerely, XXXX XXXX XXXX SSN : ( XXXX )
Frequently Asked Questions
What is Complaint #6162519 about?
Complaint #6162519 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 2022-11-03T12:00:00-05:00.
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.