Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6650791

Complaint Overview

Complaint ID: 6650791

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: 32258

Date Received: 2023-03-05T12:00:00-05:00

Date Sent to Company: 2023-03-05T12:00:00-05:00

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Comenity Capital Bank, which issues the XXXX store credit card, had an account listed on my credit report that was fraudulently opened in my name. On XXXX, I received a letter from Comenity Capital stating their investigation determined the account was indeed fraud and they would send a letter to me and to all 3 credit bureaus stating this account needs to be removed from my reports as it is fraud. Comenity Bank confirmed my account was closed and also stated there is a credit balance of {$82.00} that will be issued in the form of a check and mailed to me within a week to bring the balance to {$0.00}. I received the check. I also mailed a copy of this letter to all credit bureaus to ensure they received it as this account is derogatory and negatively impacting my credit. On XXXX, I called XXXX at XXXX, as I noticed this account was still appearing on my credit report and was showing inaccurate account information from XX/XX/2022, never properly investigating initially clearly, leaving the date verified space blank. XXXX advised me to call XXXX even though XXXX confirmed they had the letter from Comenity in my file to remove the account?! And didnt?! XXXX inaccurate information being reported for this account are 1 ) they report it as open 2 ) they report as having never been disputed 3 ) reporting a balance owed of {$250.00} 4 ) reporting the past due amount of {$64.00} 5 ) charge amount in the high column is credit limit. On XXXX I called the Account Protection Team at Comenity Capital Bank at XXXX, and spoke to XXXX re : the account still appearing on reports and account information not being updated, again causing huge consequences for credit dropping due to no fault of my own. She reviewed my account and confirmed the account was closed and the balance was {$0.00}, but said couldnt do anything or send anything over to the bureaus at this point to update the inaccurate info that was being reported. She referred me back to XXXX and advised me to open a dispute with them, then they would verify with them and the account would be updated. First, no I already did this, and didnt happen. Second, that is absolutely not the responsibility of anyone else but Comenity to report and provide accurate information, and not only did they not, but they refused to take the steps needed to ensure the bureaus were accurate. Instead, it was blamed on the bureaus. I am including the letter that was mailed to me and sent to the bureaus stating to remove this account as it is fraud.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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