Consumer complaint received 2021-04-16
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX To whom it may concern, I have reached out to you several times and have ask that you do a proper investigation and provide me with the proper documents of alleged debt. 
Till this day you have not done so and have refused to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate these items. My previous letters- all sent certified mail- stated my reasons for an investigation and these reasons were not frivolous in anyway. 

I believe your company has violated several of my consumer rights. Specifically, you : -Failed to validate a debt at my request- FDCPA violation -Continued to report a disputed debt to the CRA- FCRA violation -Continued to attempt to collect a disputed debt- FDCPA violation -Ignored my cease and desist- FDCPA violation Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. 
The FCRA has a penalty for filing any lawsuit or subsequent court papers that are later determined to have been filed in bad faith or for purposes of harassment. 
I can show that the CRA, information furnisher, or entity using the information willfully violated its obligations under the FCRA. 

A willful violation doesn't just mean that you have to prove that the CRA or other entity actually knew that it violated your rights. Rather, it is enough to prove that it was acting recklesslythat is, the CRA or other entity knew or should have known that it was running afoul of the FCRA. 

This letter will again request that you follow the FDCPA and provide the following : I do mean all 7, request. 

Validation of Debt Request - Proof of your right to own/collect this alleged debt. 
- Balance claimed including all fees, interest and penalties. 
- Contract bearing my ACTUAL personal signature ( Not a Computer Printout ). 
- License proof to collect debts in my state. 
- A credit agreement signed by me and you. 
- Documentation of the chain of custody of all paperwork- in short, proof that the paperwork is accurate and came from the original creditor. 
- Copy of my NYS Photo ID which is required to open this type of account. 

This letter is your notice that I dispute the above referenced debt. 
This is not my account. I do not owe this balance. I did not open this account. This account was opened without my consent or knowledge. 
I request that you verify this account with all pertinent information, including the original creditors identity principal amount, late charges, interest, and collection costs that have been assessed. 

Lawyers have ethical responsibilities to their clients, the courts and others that are identified in the New York Rules of Professional Conduct. I feel you and your attorneys have violated my rights and I will defend me and my family by all LEGAL means. 

A copy of the Rules may be found at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If a lawyer meaningfully violates a Rule of Professional Conduct, he or she is subject to discipline administered by a governmental agency affiliated with the court system. 

When you believe a lawyer may have violated the Rules of Professional Conduct, you can write a letter to the appropriate Attorney Grievance Committee at Copies of this notice will be sent to all the proper agencys including the ones listed below. 

ATTORNEY GRIEVANCE COMMITTEE Supreme Court, Appellate Division First Judicial Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX Chief Attorney Departmental Disciplinary Committee Supreme Court, Appellate Division First Judicial Department XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX The Fair Credit Reporting Act ( FCRA ) is a federal statute that protects consumers from any dishonest or immoral credit reporting agency or entity. It promotes accurate reporting, the privacy of sensitive information, and also allows you to pursue compensation for any violations. 

I will also be checking my credit report to see if you have willfully reported an unverified and disputable alleged debt to the credit bureaus. If so, that will be a violation of the Fair Credit Reporting Act. I will state again If I receive anything other than absolute proof that you removed all marks and comments from my credit file, I will assume you are harassing me and ignoring my letters and I also will be sending copys of this to my State Attorney General, CFPB, XXXX, and the XXXX XXXX XXXX. 




Thanks XXXX XXXX

Company response to consumer: Closed with explanation