Consumer complaint received 2019-01-28
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Box XXXX XXXX, MN XXXX XXXX DEAR Creditors : Recently, I received a correspondence from XXXX Credit Reporting Agency and/or it's attorney ( s )  XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX  or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services. 

In the year of XX/XX/XXXX and prior : ( These credit cards had large credit limits with the greatest of the limits being {$10000.00} and below. ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX Credit Limit between {$7500.00} and {$10000.00} acct : ending in XXXX XXXX ( XXXX ) c/o XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX Credit Limit between $ XXXX and $ XXXX There were two credit accounts during this period acct 1 : ending in XXXX acct 2 : ending in XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX below XXXX XXXX acct : ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ohio XXXX ( Closed prior to XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( Closed prior to XX/XX/XXXX ) In the year of XX/XX/XXXX and thereafter : XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, DE XXXX Date ( XXXX ) of final payments : XX/XX/XXXX-XX/XX/XXXX Amount paid {$1700.00} Balance due : {$0.00} ( reestablished credit card account ) XXXX XXXX. XXXX   XXXX XXXX XXXX, IL XXXX Date ( XXXX ) of final payments : XX/XX/XXXX Amount paid {$680.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX  XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} Respectfully Submitted, XXXX XXXX XXXX cc : XXXX  Settlement Class Counsel XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX Addendum : XXXX-XXXX XXXX ( XXXX XXXX ) acct : XXXX XXXX-XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( multiple loans consolidated into one, however I have approximately 24 pages of student loans showing on my credit report. XXXX will show that payments to the XXXX XXXX XXXX XXXX   began in XX/XX/XXXX and likely deferred/forbearance request in XX/XX/XXXX or thereafter ; with initial loan taken out in XX/XX/XXXX at XXXX XXXX XXXX ( landline ( XX/XX/XXXX ) and cell ( XXXX ) XXXX XXXX   XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) contract is attached with evidence that there was a prior XXXX purchase in the year XX/XX/XXXX ( XXXX XXXX XXXX ) and evidence showing being paid on XXXX statement. 

XXXX XXXX receipt attached ( prior inquiry XX/XX/XXXX or prior ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation