Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9312950
Complaint Overview
Complaint ID: 9312950
Company: Bread Financial Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: New Jersey
ZIP Code: 075XX
Date Received: 2024-06-20T12:00:00-05:00
Date Sent to Company: 2024-06-20T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Approximately XXXX days ago, I initiated a dispute regarding this account with the credit bureaus, and it was subsequently verified. This verification process has significantly impacted me, and I am now requesting direct from you, as the reporting entity, documents or evidence substantiating the accuracy of this charge-off report. I am specifically requesting documentation beyond a simple billing statement evidence that conclusively proves the account 's status and my association with said charge-off. XXXX Account XXXX : XXXX Reason : Account is showing a balance with a charge off as it's closed. please delete Instruction : Please Delete Immediately
Frequently Asked Questions
What is Complaint #9312950 about?
Complaint #9312950 was filed against Bread Financial Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-06-20T12:00:00-05:00.
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 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.