Consumer complaint received 2023-01-02
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Recently, I did an investigation on credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


XXXX XXXX XXXX XXXX XXXXXXXX, a consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I noticed Ive been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ), by Comenity Capital Bank and XXXX XXXX XXXX XXXX in connection with the collection of an alleged debt. There is evidence of the use of abusive, deceptive, and unfair debt collection practices. These practices resulted in the infringement of my intellectual property rights. Under Florida law it is illegal to secretly record an oral communication without the consent of at least XXXX party. I am hereby giving you advance notice that I XXXX decide to record any/all oral communication with your company, using any recording device that I so choose ( including transcription ), in the event that I have to use to use it as evidence against you in a court of law to prove that you were noncompliant. So if you contact me by phone, you are therefore giving me consent to record.

Pursuant to USC 1692c. ( c ) I am notify you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of illegal communication with me through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as consumer, and the original creditor I am demanding all of the following.

I refuse to pay this debt. 
Send and XXXX XXXX pursuant to XXXX XXXX XXXX ( d ) including all documents, including but not limited, signed credit applications, assignments, purchase of debt, ledger of the account, and anything else to the Consumer for review and validation ; XXXX out the balance on this account and DELETE all accounts held by debt collector from all consumer reporting agencies. 
Remove all remarks and comments off all consumer reports ; Cease communication and use of my intellectual property. Unless it pertains the validation of the alleged debt or remedy for violations that occurred. Any furthers communication with the consumer must be in writing, delivered via mail to the mailing location above. 
Again, this is a notice pursuant to FDCPA ( Fair Debt Collection Practices Act ), Failure to honor demands and provide the required documentation for proper validation of the alleged debt within 14 days of receipt of this notice, shall. 
a. ) Be taken as tacit agreement to the claims set forth, b. ) XXXX the Consumer all demanded remedies, and XXXX ) XXXX result in litigation ( Janetos v. Fulton Friedman & Gullace , LLP, 825 F.3d 317,325-26 ( 7th Cir.2016 ) Assignees who are debt collectors are responsible for the actions of those collecting on their behalf, citing Pollice, XXXX XXXX XXXX XXXX. ) Regards, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief