Consumer complaint received 2018-03-20
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Here is an email thread explaining what happened and how the creditor refused to help remove this item from my credit report : Back to Inbox Reply From : XXXX XXXX  Sent : Thursday, XX/XX/XXXX XXXX XXXX ( ET ) To : You Subject : Re : Credit Bureau Reporting Message ID:XXXX  Thank you for your recent inquiry to our Customer Care Department . 
XXXX XXXX XXXX issues your account and responds to all credit related inquiries. 

We apologize for any inconvenience you've experienced with your account. 
It's our goal to provide superior customer service, and we'll use your feedback to improve our customer care interactions. 

Please be informed that your XXXX XXXX Financial account is current and active. 

We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. 


Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- This does not help answer any questions or my original statement : You failed to address the fact that the address you had BEFORE I had to call multiple and speak to several different office staff at your office, XXXX was one of the reps, that failed to update my address. As you can clearly see I paid it in full as soon as I made contact with your office to find out why I hadn't received billing. 
If you fail to assist m, e with getting this derogatory item removed from my credit report I will have no other option than to file a complaint with the FTC for violating FDCPA and I will then file a complaint with XXXX against your corporate office and your local office. 

Please advise when you will have this removed. 

Thank you This should have never been on my credit report. 
Please take steps to remedy your offices mistake before I take the steps noted in previous email by XX/XX/XXXX. 


From : You Sent : Wednesday, XX/XX/XXXX XXXX XXXX ( ET ) To : XXXX XXXX Subject : Re :  Credit Bureau Reporting Message ID:XXXX This does not help answer any questions or my original statement : You failed to address the fact that the address you had BEFORE I had to call multiple and speak to several different office staff at your office, XXXX was one of the reps, that failed to update my address. As you can clearly see I paid it in full as soon as I made contact with your office to find out why I hadn't received billing. 
If you fail to assist m, e with getting this derogatory item removed from my credit report I will have no other option than to file a complaint with the FTC for violating FDCPA and I will then file a complaint with XXXX against your corporate office and your local office. 

Please advise when you will have this removed. 

Thank you This should have never been on my credit report. 
Please take steps to remedy your offices mistake before I take the steps noted in previous email by XX/XX/XXXX. 


From : XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX AM ( ET ) To : You Subject : Re : Credit Bureau Reporting Message ID:XXXX Thank you for your recent inquiry to our Customer Care Department . 
XXXX XXXX XXXX issues your account and responds to all credit related inquiries. 

Please be informed that the mailing address mentioned in the correspondence has already been updated on your XXXX XXXX account on XX/XX/XXXX. 

Also be informed that the derogatory information is reported to the credit reporting agencies only when your XXXX XXXX account falls two billings past due. 

We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. 


Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- This does not help answer any questions or my original statement : You failed to address the fact that the address you had BEFORE I had to call multiple and speak to several different office staff at your office, XXXX was one of the reps, that failed to update my address. As you can clearly see I paid it in full as soon as I made contact with your office to find out why I hadn't received billing. 
If you fail to assist m, e with getting this derogatory item removed from my credit report I will have no other option than to file a complaint with the FTC for violating FDCPA and I will then file a complaint with XXXX  against your corporate office and your local office. 

Please advise when you will have this removed. 

Thank you This should have never been on my credit report. 
Please take steps to remedy your offices mistake before I take the steps noted in previous email by XX/XX/XXXX. 


From : You Sent : Tuesday, XX/XX/XXXX XXXX XXXX ( ET ) To : XXXX XXXX Subject : Re :  Credit Bureau Reporting Message ID:XXXX  This does not help answer any questions or my original statement : You failed to address the fact that the address you had BEFORE I had to call multiple and speak to several different office staff at your office, XXXX was one of the reps, that failed to update my address. As you can clearly see I paid it in full as soon as I made contact with your office to find out why I hadn't received billing. 
If you fail to assist m, e with getting this derogatory item removed from my credit report I will have no other option than to file a complaint with the FTC for violating FDCPA and I will then file a complaint with XXXX  against your corporate office and your local office. 

Please advise when you will have this removed. 

Thank you This should have never been on my credit report. 
Please take steps to remedy your offices mistake before I take the steps noted in previous email by XX/XX/XXXX. 


From : XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX ( ET ) To : You Subject : Re : Credit Bureau Reporting Message ID:XXXX Thank you for your recent inquiry to our Customer Care Department . 
XXXX XXXX XXXX issues your account and responds to all credit related inquiries. 

We apologize for any inconvenience you've experienced with your account. 
It's our goal to provide superior customer service, and we'll use your feedback to improve our customer care interactions. 

We provide updated account information to the consumer reporting agencies with each account billing. We send updates to the Credit Reporting Agencies for the accounts that billed during that week, which allows each account to be updated monthly. 

If you have concerns about the information or credit score provided by the three primary credit bureaus, you may contact the credit reporting agencies at the below mentioned details : XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. 


Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- You failed to address the fact that the address you had BEFORE I had to call multiple and speak to several different office staff at your office, XXXX was one of the reps, that failed to update my address. As you can clearly see I paid it in full as soon as I made contact with your office to find out why I hadn't received billing. 
If you fail to assist m, e with getting this derogatory item removed from my credit report I will have no other option than to file a complaint with the FTC for violating FDCPA and I will then file a complaint with XXXX against your corporate office and your local office. 

Please advise when you will have this removed. 

Thank you From : You Sent : Monday, XX/XX/XXXX XXXX XXXX ( ET ) To : XXXX XXXX   Subject : Re : Credit Bureau Reporting Message ID:XXXX You failed to address the fact that the address you had BEFORE I had to call multiple and speak to several different office staff at your office, XXXX was one of the reps, that failed to update my address. As you can clearly see I paid it in full as soon as I made contact with your office to find out why I hadn't received billing. 
If you fail to assist m, e with getting this derogatory item removed from my credit report I will have no other option than to file a complaint with the FTC for violating FDCPA and I will then file a complaint with XXXX against your corporate office and your local office. 

Please advise when you will have this removed. 

Thank you From : XXXX XXXX  Sent : Monday, XX/XX/XXXX XXXX XXXX ( ET ) To : You Subject : Re : Credit Bureau Reporting Message ID:XXXX Thank you for your recent inquiry to our Customer Care Department . 
XXXX XXXX XXXX issues your account and responds to all credit related inquiries. 

Please be informed that the derogatory information is reported to the credit reporting agencies only when your XXXX XXXX account falls two billings past due. 

Also be informed that the mailing address mentioned in the correspondence has already been updated on your XXXX XXXX account on XX/XX/XXXX. 

We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. 


Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Your XXXX office made a mistake with my address and mailed my bills to my wifes old address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On my first and only visit I provided the office my address as XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, the address on mt drivers license they copied. 
Due to your offices error, this account has hit my credit report and affected it negatively. I am requesting you please remove this account off my credit report before I have to take additional steps. 
Thank you. 


From : You Sent : Sunday, XX/XX/XXXX XXXX XXXX  ( ET ) To : XXXX XXXX Subject : Credit Bureau Reporting Message ID:XXXX Your XXXX office made a mistake with my address and mailed my bills to my wifes old address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On my first and only visit I provided the office my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the address on mt drivers license they copied. Due to your offices error, this account has hit my credit report and affected it negatively. I am requesting you please remove this account off my credit report before I have to take additional steps. 
Thank you I have still never, to this day, received a statement from XXXX XXXX. I paid my account in full as soon as I saw it was placed on my credit report. I called the office to correct their mistake of the sending mail to an old address of my wife 's but still received no help.

Company response to consumer: Closed with explanation