Consumer complaint received 2020-12-25
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have applied for credit cards that are with Comenity Capital Bank, the same bank that I have a Victoria Secret credit card account with and feel discrimination with the invalid reasons to improve my credit score by the defaming reasonings, they are : 1 ) XXXX XXXX XXXX Mastercard Credit Card, as the statement is " your request was carefully considered, however, based on " information '' in your credit report, we are unable to approve your application, as to A ) too many inquiries that are/were a " hard pull '' to decrease my credit score, B ) Number of " subprime '' finance inquiries, as this is " deceptive business practices '' from within the Comenity Capital Bank that goes against the XX/XX/XXXX and the Federal Trade Commission, C ) the " proportion of loan balances to loan amounts too " high '', as this is/was unethical, illegal, and intended to depreciate the consumer, XXXX XXXX from the illegal tactic of using the 1 % loan balance as part of " income '' when in essence is a " school based loan '' and it report loans on credit reports is illegal when in " good standing '', and 4 ) too few bankcard accounts, as the consumer themselves has the " fair and balance '' right to justify how many credit cards the consumer needs, wants for business, or personal, such as to " increase '' or " assist '' in gaining a " good standing '' within the credit cards company, instead of being " shamed '' for not having the " financial portfolio '' designed within the rarity of consumers that care, such as myself, as reference number is XXXX from XX/XX/2020. The second letter from Comenity Capital Bank is aXX/XX/XXXXXXXX Credit Card, where I frequent as a consumer shopper for my moving merchandise, since I am moving within the next couple of months, the same statement, " based on information in your credit report, we are unable to approve your application at this time for the " new '' following reason ( s ) A ) Consumer associated with too many phone changes '', as I frequently update my credit report on a monthly basis, I have disputed every phone number that " does not apply '', or is " incorrect '', or has been illegally " long standing '' within the credit bureau ( s ) and of there " negligence '' to remove the information, data breaches that have happened within XX/XX/XXXXData Breach has " misinformed '' my credit report for several years as long as I have been working to " correct '' the issue to obtain " accurate '' personal information, " updated '' personal information. The other reason ( s ) are reported with the XXXX XXXX XXXX Mastercard Credit Card, as the reference number is XXXX. Furthermore, the third-party company, the " inaccurate '' company that needs to be reported to the Federal Trade Commission for " implied '' identity theft consumer issues, as well as " implied '' fraud consumer issues is " XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, at XXXX, website address is XXXX. This company may be a " fictitious '' company that already " implies, infers '' deceptive business practices with Comenity Capital Bank whether allowed, or not allowed, or known, or not known to the company bank just is UNACCEPTABLE TO THE CONSUMER, XXXX XXXX .All dates of letters are XX/XX/2020, XX/XX/2020. This is a Fair Credit Reporting Act violation from the three credit reporting agencies to allow " XXXX XXXX XXXX have ANY CONSUMER CREDIT REPORT, this provides " unfair '' reporting business practices by a " third party agency '' that has not been heard of to the consumer to justify any validation of accuracy within the credit reporting bureaus.

Company response to consumer: Closed with explanation