Consumer complaint received 2018-02-28
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My name is XXXX XXXX. I am trying to get a home loan through XXXX XXXX XXXX XXXX XXXX. This process started back on XX/XX/XXXX. I have been working with XXXX XXXX. Application was filled out and returned to XXXX XX/XX/XXXX. She uses XXXX XXXX, XXXX to run her clients credit reports. She has requested from all XXXX bureaus, XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I received an email, attached, stating that there was an issue with XXXX reporting my credit. I was asked to call them and see if if I could clear it up. I did, first call to XXXX was on XX/XX/XXXX I was told they had no record for me. They asked if I had any open accounts. I said, yes. I have a Victoria 's Secret credit card and a car loan with my dad through XXXX XXXX XXXX. I was told to call them and ask f they report to Equifax. 

I then called XXXX XXXX XXXX and they told me they reported monthly to all XXXX bureaus. They also verified I have been with them since XXXX. 

This is still XX/XX/XXXX, I then called XXXX back, and got the same story. 

On XX/XX/XXXX XXXX emailed again trying to call and see if a conference call between me, XXXX XXXX XXXX, and XXXX could be made. I called to initiate that myself and No, I can not. XXXX will not call XXXX and XXXX will not call XXXX. So how do you make a conference call? 

On XX/XX/XXXX, XXXX emailed again to explain the issue a little further with me. The report from XXXX should read FICO not available, no recently reported account information. Mine reads, Information from your inquiry has been identified as fraudulent or misused. Attaching it as well. I called XXXX again on XX/XX/XXXX and they told me to fax my SS and DL and I did. I called 48 hours later and they had not received it I faxed it again on Monday, XX/XX/XXXX. Still does not have it. 

On XX/XX/XXXX, XXXX gave me a credit monitoring site to register on and get my report and send to her. Attached as well. XXXX portion is blank. My creditors is reported on XXXX and XXXX and is the reports she pulled. 

On XX/XX/XXXX, XXXX reached out to her credit repair specialists contacts, trying to find a resolution. XXXX XXXX, with XXXX XXXX XXXX XXXX, said it sounded to him to be an XXXX   issue and he was checking with FCRA attorneys to find a solution. 

On XX/XX/XXXX, XXXX sent an email asking me to reach out to my creditors and get a letter from them stating they report on a monthly basis to XXXX so we could forward it to XXXX. I contacted XXXX XXXX XXXX and XXXX XXXX XXXX. Neither creditor is willing to give a letter stating as such. However, verbally they told me : XXXX XXXX XXXX had last reported my credit on to ALL XXXX bureaus. XXXX XXXX XXXX reports to ALL XXXX bureaus on the 15th every month. 

So, this brings me to today, XXXX XXXX. I received a call from XXXX, that pretty much says I am STUCK until XXXX shows something for me in their reporting. He advised me to report as I am doing now with the CFPB and now I'll will do the same on XXXX   website. 

I am asking for some kind of help. I need to find out why my credit is not reporting on XXXX, so I can continue with my home loan and any other future endeavor I may take on. I am getting no where with XXXX or my creditors. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief