Consumer complaint received 2023-11-14
Company: Bread Financial Holdings, Inc.
State: NC
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

Complaint:
I would like all of my unauthorized inquires, my derogatory remarks, late payments, and closed accounts removed. Many of these accounts fall under statute of limitations or are misreporting on my credit report. In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 and The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2091 ( 2010 ).

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2, it also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S.C $ 1681c-, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after date of receipt. 

Please apply any of these laws to my accounts : The Fair Debit Collection practices ACT Law 111-203, Title X, 124 STAT. 2092 ( 2010 ). Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 ( FCRA ). 

Account Name : XXXX Date Filled : XX/XX/XXXX Type of Account : Installment/Auto Loan Reason : I would like all of my unauthorized inquires, my derogatory remarks, late payments, and closed accounts removed. Many of these accounts fall under statute of limitations or are misreporting on my credit report. 

Account Name : XXXX XXXX Date Filled : XX/XX/XXXX Type of Account : Collection Reason : I would like all of my unauthorized inquires, my derogatory remarks, late payments, and closed accounts removed. Many of these accounts fall under statute of limitations or are misreporting on my credit report. 

Account Name : XXXX ( Original Creditor : XXXX XXXX ) Date Filled : XX/XX/XXXX Type of Account : Collection Reason : I would like all of my unauthorized inquires, my derogatory remarks, late payments, and closed accounts removed. Many of these accounts fall under statute of limitations or are misreporting on my credit report. 

Account Name : XXXX Date Filled : XX/XX/XXXX Type of Account : Charge account Reason : I would like all of my unauthorized inquires, my derogatory remarks, late payments, and closed accounts removed. Many of these accounts fall under statute of limitations or are misreporting on my credit report. 

Account Name : XXXX XXXX  Date Filled : XX/XX/XXXX Type of Account : XXXX XXXX XXXX Reason : I would like all of my unauthorized inquires, my derogatory remarks, late payments, and closed accounts removed. Many of these accounts fall under statute of limitations or are misreporting on my credit report. 

Please remove any inquiries and all unauthorized inquiries from my report as I have no knowledge of ever filling any of these inquiries or giving anyone, company, or corporation permission to report anything to my report or was privity to any of these filings. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation