Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6376345
Complaint Overview
Complaint ID: 6376345
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: Florida
ZIP Code: 32828
Date Received: 2022-12-29T12:00:00-05:00
Date Sent to Company: 2022-12-29T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had paid this account off, and called the company to ask why they had not updated my credit report since XXXX. I found today on my credit report they had updated my information but state that it was closed by the consumer. This is incorrect information. I just wanted to ensure that the balance was at XXXX so I could use the card if I so wished moving forward. When I call the automated service is states I have an amount available when I look online it shows an amount available but I never asked for the account to be closed. I have several other cards with this bank with no problems so confused as to why this has led to derogatory information, meaning my credit score dropped because it doesn't show the amount available any longer. I paid the {$56.00} as they had added this as interest for some unknown reason. They reported closed on XX/XX/26 after not reporting for 5 months.
Frequently Asked Questions
What is Complaint #6376345 about?
Complaint #6376345 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 2022-12-29T12:00:00-05:00.
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.