Consumer complaint received 2021-06-30
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have certified mailed XXXX  more than 3 times now about incorrect data on my credit report. Recently they came back and said the accounts had already been verified. I have asked them twice to show me the verification process. I asked this because I have reached out to each company myself and and they did not validate the debts pursuant to the 15 USC 1692g Sec. 809 ( b ) of FDCPA. I'm asking once again for them to show me the how they validated these debts and do not send me a copy of my name, address, and a contract as proof because that is not a debt validation pursuant 15 USC 1692g Sec 809 ( b ). I want all to see 15 USC 1692g ( a ) Notice of debt ; contents within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing- ( 1 ) the amount of debt ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty day after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

I was never sent anything within this 5 day period from any of the companies listed that I had the ability to dispute the debt pursuant 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. So how are you partnering with these debt collectors and violating consumer rights with no valid information.

Please re-investigate, if you can not get all of this information from the companies, as I have not been able to, then please remove them immediately from my credit report. These accounts being furnished to my credit report is another violation pursuant 15 USC 1692j ( A ) It is unlawful to design, compile, and furnish any form knowing that such from would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Also, 15 USC 1681b ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave these companies any written consent to report. No consent is identity theft. 
I have already involved and sent this information to the Attorney Generals ' office, XXXX XXXX XXXX, and Federal Trade Commission. 
As a consumer these accounts must be deleted immediately, or I will seek maximum monetary damages from each company for each violation in small claims court in my city and state. Pursuant 15 USC 1692k ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( 1 ) any actual damage sustained by such person as a result of such failure ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; Accounts : XXXX XXXX XXXX XXXX Comenity Bank/Ann  Taylor Comenity Bank/Victoria XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief