Consumer complaint received 2022-10-18
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit reporting, credit repair services, 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 am filing an additional complaint because in my previous complaint XXXX Comenity Bank responded with XXXX XXXX XXXX and I never had any dealings with them because as explained, I was told that they were XXXX but the financial side, never told another company. I got login information directly from XXXX to access these accounts. I didn't learn that these were individual companies until I had problems trying to set up dates for vacation and the rep was going over the account and disclosed them. 

The representative who was a part of the presentation explained that the Comenity Bank was the financial part of XXXX, which was NOT true. They opened a line of credit with this company which is NOT XXXX and also a credit card which they told us was a XXXX XXXX XXXX which was also NOT true, it was also it's own company! 

FCRA Affiliate Sharing Rule. clearly states 624. Affiliate sharing [ 15 U.S.C. 1681s-3 ] ( a ) Special Rule for Solicitation for Purposes of Marketing ( 1 ) Notice. Any person that receives from another person related to it by common ownership or affiliated by corporate control a communication of information that would be a consumer report, but for clauses ( i ), ( ii ), and ( iii ) of section 603 ( d ) ( 2 ) ( A ), may not use the information to make a solicitation for marketing purposes to a consumer about its products or services, unless ( A ) it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons for purposes of making such solicitations to the consumer ; and ( B ) the consumer is provided an opportunity and a simple method to prohibit the making of such solicitations to the consumer by such person.

I was NEVER given the opportunity to deny or decline these accounts which were apparently XXXX affiliates that they solicited to open these accounts. Everything had XXXX 's name on it that's why we didn't know any different. With the exception of Comenity Bank, which again we were told was XXXX but the financial part of them. XXXX set up the accounts and gave us login information we never had to go to either company to do anything. This is why we had no idea all these accounts had been established. 

The reason it shows that I was making payments is because I wasn't eligible to set up reservations until early 2019 for vacation. Certain areas allowed us to set up reservations no more than XXXX in advance. This is why we had to wait until the new year because the vacation would've taken place at the end of the year. 

However, after learning the information of the multiple accounts not being disclosed and the way the reservations really worked, along with the problems trying to do the reservations, I ceased everything with XXXX because they were deceitful in their dealings. I dealt directly with the agent at XXXX with my concerns because all of my dealings were always with XXXX. 

I ask that Comenity Bank account # XXXX and XXXX 's account # XXXX the initial companies that provided information to the collections, provide the signed agreement that I entered with them to open these accounts. If they are not able to provide this information, I want every company connected to these accounts ( including the collection companies ) removed and permanently deleted from my credit and any other reporting or attempt to collect ceased. 

Comenity Bank # XXXX XXXX 's # XXXX XXXX XXXX ( Collection ) # XXXX ( they did a cease and desist but states debt valid but never proved it ) Portfolio ( Collection ) # XXXX Due to my previous complaint XXXX XXXX has removed their information from my credit report. However, they are still trying to pursue payment. 

I have attached the Rewards Card to show that EVERYTHING said XXXX.

Company response to consumer: Closed with non-monetary relief