Consumer complaint received 2023-08-31
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Comenity Bank XXXX XXXX XXXX XXXX, Ohio XXXX Subject : Request for Immediate Deletion of Inaccurate Account Information from Consumer Reports Dear Sir/Madam, I am writing to you in regard to the correspondence I received from Comenity Bank dated XX/XX/XXXX, regarding my XXXX XXXX Credit Card account ending in XXXX. I appreciate your prompt response to my previous communication, however, I must bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ) that I believe has occurred in relation to my account. 

Upon reviewing your response, I am concerned about the accuracy and validity of the information being reported to the credit reporting agencies about my account. It is my understanding that the FCRA requires creditors to provide accurate and complete information to credit reporting agencies, and consumers have the right to dispute any information that they believe is inaccurate or incomplete. 

Specifically, I would like to highlight the following issues with your response : Inaccurate Reporting : The information you have provided in your response does not accurately reflect the history of my account. You state that my account was charged off due to nonpayment on XX/XX/XXXX, and subsequently sold to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. However, this information is incorrect. [ Provide details about the correct history of your account, if applicable. ] Dispute Resolution Process : As a consumer, I have the right to dispute inaccurate information on my credit report. I believe that the inaccuracies in the reporting of my account constitute a violation of my rights under the FCRA. I request that you conduct a thorough investigation into the accuracy of the information being reported and take immediate steps to rectify any inaccuracies. 
In accordance with the FCRA, I kindly request the following actions : Immediate Deletion : I request that you delete any inaccurate information related to my account from the credit reporting agencies ' records. This includes the inaccurate charge-off date and any other inaccuracies that may be present. 
Correct Reporting : If there have been errors in the reporting of my account, I request that you correct the information and provide accurate details to the credit reporting agencies. 
Written Confirmation : Please provide written confirmation once the necessary corrections have been made and inaccurate information has been deleted. 
I urge you to take this matter seriously and address the violations of the FCRA as soon as possible. Failure to do so may result in further actions to ensure my rights are protected under the law. 

I look forward to your prompt attention to this matter and a swift resolution. Please send all correspondences related to this matter to the address provided above. 

Thank you for your immediate attention to this serious matter. 

This company has no right to be in my consumer reports due to the fact that I was not advised that my personal information was being sold and purchased without my consent. 
As they say in their response, They sold and are still in my reports so please stop trying to sell me your bad interest rates just by having my scores which are also illegal undervalued. 

This company is affecting my commercial relationship with other financial institutions as well as XXXX

Company response to consumer: Closed with explanation