Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6427560
Complaint Overview
Complaint ID: 6427560
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: Information belongs to someone else
State: Florida
ZIP Code: 33813
Date Received: 2023-01-11T12:00:00-05:00
Date Sent to Company: 2023-01-11T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX The above company is reporting an account on credit report that is not accurate and I have no knowledge of the account. Comenity/LandsEnd started reporting and account XX/XX/2022 with {$8200.00} limit with a $ XXXX balance with no payments. I have never opened this account and have always made payments on time 100 % of the time. Credit rating went from XXXX to XXXX. I work in finance and livelihood depends on maintaining my good credit rating. When disputed through XXXX only response received was Your account. Tried multiple times to dispute the account with XXXX themselves and try and get them to flag account however after countless calls waiting on hold for XXXX minutes to hours each time no one ever answers.
Frequently Asked Questions
What is Complaint #6427560 about?
Complaint #6427560 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 2023-01-11T12:00:00-05:00.
How did Bread Financial Holdings, INC. respond to this complaint?
The company responded with: "Closed with 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.