Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6175890
Complaint Overview
Complaint ID: 6175890
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: Maryland
ZIP Code: 21043
Date Received: 2022-11-07T12:00:00-05:00
Date Sent to Company: 2022-11-07T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In my attempt to raise my credit score ( and get a home loan ) I discovered that Comenity Bank/Bread Financial had not reported my account payments or balance to any credit Bureau in over 5 months. It appears the last report they submitted was at the beginning of XXXX. It was in fact, just after a missed payment, leading to a drop in my score of over XXXX points. Since then I have worked diligently to pay off the remaining balance of the account ( currently {$0.00} ). But the account still shows up on my credit report with an outstanding balance of nearly {$4000.00}. I reached out to their Customer service call center and recieved no assistance. XXXX, the XXXX memeber that I spoke with, attempted to find and send me an official letter stating the current standing of my account. I never recieved that letter. Next I reached out through their online message center, where I clearly outlined the situation. XXXX XXXX, the representative that responded, completely dodged my request and said that they are not able to report the information because of a " recent system update ''. Call to Comenity XXXX XXXX XXXX XXXX XXXXXXXX, XXXX minutes, no result. Email to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, response unsatisfactory. Call to CFPB - XXXX XXXX, XXXX XXXX Directed me to this complaint system, very helpful.
Frequently Asked Questions
What is Complaint #6175890 about?
Complaint #6175890 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 2022-11-07T12:00:00-05:00.
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.