Consumer complaint received 2023-06-29
Company: Bread Financial Holdings, Inc.
State: IL
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:
XXXX, XXXX,, XXXX along with the other accounts and documents i have submitted with the names of the inquiries, have all been submitted. Because I do not recognize how these accounts listed below and all the hard and soft inquiries that is reporting on my credit report.got there. I do not recognize the account number, I do not recognize the account status, I do not recognize the account balance, nor do I recognize the late payments associated with it everything reported here does not meet the FFCRA and should not be on my credit report at all nor should those inquiries. 
here are some of the creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX services opened XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX to XX/XX/XXXX {$1400.00} XXXXXXXX XXXX XXXXt # XXXX {$380.00} I ALSO HAVE WRONG NAMES, ADDRESSES, PHONE NUMBERS ATTACHED TO MY CREDIT REPORT AS WELL THAT I HAVE ASKED NUMEROUS TIMES TO BE REMOVED i have attached documents of those names addresses and phone numbers Code 15 USC 1692 g Validation of debt AND 15 USC 1692 ( e ) ( 3 ) false or misleading representation of my credit and has impacted my lively hood as well as my credit. 

Also while reviewing my personal credit report, ( Ref # XXXX ) I noticed some inaccuracies in the public records area of my file. I believe this may be a error because this/these do not belong to me. Please remove this from my file and send me an updated credit report reflecting the accurate information.

According to Rule 9037. Privacy Protection For Filings Made with the Court ( a ) Redacted Filings. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials ; and ( 4 ) the last four digits of the financial-account number The fact that only part of the ss #, the year of birth only and the last four of the account number are only shown does not indicate that this account belongs to me which does not meet the FCRA guidelines and does meet the code 15USC 1692g and 15 USC 1692 ( e ) ( 3 ) false or misleading representation of my credit.

The credit bureaus and creditors are also in violation of my rights under the 15 USC 1681b, Permissible purposes of consumer reports I did not sign or give you permission to review my credit report, I never did any business transactions with this debt collector you are also in violation of code 15 USC 1692 b-2 acquisition of information and also sending me mail with your logo and stating this is and attempt to collect a debt.

Company response to consumer: Closed with explanation