Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #7388885
Complaint Overview
Complaint ID: 7388885
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: 207XX
Date Received: 2023-08-11T12:00:00-05:00
Date Sent to Company: 2023-09-13T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I called and spoke to a representative at Comenity Capital Bank/Alphaeon Credit on numerous occasions to update my balance to ALL 3 Credit Bureaus , which should be {$0.00}. I paid this credit card account off on XX/XX/2023. This creditor refuses to report my updated {$0.00} balance and as of XX/XX/2023, all 3 credit bureaus are still showing that I have a balance of {$2300.00}. This has caused my credit score to remain stagnant and my utilization percentage to reflect more negatively. This also causes me to not qualify for a fair percentage rate when buying a home or vehicle. This creditor needs to immediately update my balance with ALL 3 credit bureaus to reflect a {$0.00} balance with ALL 3 credit bureaus. I also need this creditor to have ALL 3 bureaus reflect that this account was paid off in XX/XX/2023 and not the date of correction.
Frequently Asked Questions
What is Complaint #7388885 about?
Complaint #7388885 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 2023-08-11T12:00:00-05:00.
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.