Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6383157
Complaint Overview
Complaint ID: 6383157
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: Pennsylvania
ZIP Code: 177XX
Date Received: 2022-12-31T12:00:00-05:00
Date Sent to Company: 2022-12-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have an account with XXXX rewards though Comenity Capital Bank. They have recently stopped reporting on time payments and credit balances since XXXX of 2022. I have since then, reduced my credit balance immensely but because they have not updated the balance, My credit is being greatly affected by this and My score continues to drop because of the fact that my percentage of credit used remains high. My percentage should be 2/3rds less than than what it currently states. This has affected my ability to apply for life changing loans when I have desperately needed it this year and this company needs held accountable because this is no fault of my own.
Frequently Asked Questions
What is Complaint #6383157 about?
Complaint #6383157 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 2022-12-31T12:00:00-05:00.
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.