Consumer complaint received 2019-04-11
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, This is a follow up to an inquiry you responded to before because I believe something was lost in translation. I initiated a credit line increase sometime in XXXX, which was approved on the spot. ( soft pull ). The line increase reflected on my report on XX/XX/XXXX. That was that. I was satisfied. 

I DID NOT initiate any secondary request after this. That is why when I received the alert from XXXX   on XX/XX/XXXX I panicked and called XXXX XXXX. The representative was very rude and adamant that there was only a single CLI request and that XXXX just decided to pull my credit again weeks later. That did not sound right to me and he refused to let me speak to a manager. He said to contact XXXX. 

You letter confirms to me that THERE WAS INDEED A SECOND CLI REQUEST at or around XX/XX/XXXX. I will change my password because MY ACCOUNT WAS COMPROMISED. 

Please delete the inquiry from XX/XX/XXXX. Meanwhile I will freeze my credit report. 

Thank you -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Below is the original complaint I submitted : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I initiated on XX/XX/XXXX a credit line increase with XXXX XXXX, which was approved THAT VERY DAY. No hard inquiries at all. ( I have had increases in the past without issues. It has always been a soft pull. ) On XX/XX/XXXX, credit line increase from XXXX XXXX is reported to the CRA and shows on my report. All is well. I am happy. Comes XX/XX/XXXX, the CRA reports that on XX/XX/XXXX is when the inquiry was made and XXXX XXXX requested to see my report. XX/XX/XXXX not XX/XX/XXXX. As I have been a victim of identity theft, I panic and contacted XXXX XXXX  fraud department and a gentleman tells me that its the order of business for the company and most companies to do hard pulls for CLI. They just sent the request to the CRA to pull my credit for something that happened 3 weeks before. I told him that sounds weird to me that XXXX XXXX would do a pull after the fact, 3 weeks later. I told him that was wrong and I want the hard inquiry removed. Besides, it was a mere {$500.00}, so they can take that back to and I will report to all the forums how XXXX treats its customers and customer information. I am very disapointed in XXXX. Anyhow, see below the alert From XXXX  on XX/XX/XXXX and then on XX/XX/XXXX. The pull was made 3 weeks after the fact! XX/XX/XXXX alert -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Retail Inquiry XXXX obtained a copy of your XXXX Credit Report. A lender has requested a copy of your Credit Report for a home retail loan. Every time you apply for credit, a 'hard inquiry ' is placed on your Credit Report and it may stay on your report for 25 months. Alert Details Alert Date XX/XX/XXXX Source XXXX  Company XXXX Address XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX alert -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Credit Limit Increase Retail Card Congratulations! XXXX raised your credit limit to {$2100.00}. Credit limit is the maximum amount a borrower can draw upon or the maximum that an account can show as outstanding. An increase in your credit limit may positively impact your Credit Score. Alert Details Alert Date XX/XX/XXXX Source XXXX Company XXXX Address XXXX XXXX XXXX XXXX, OH XXXX Activity Revolving Charge Accounta Previous Limit {$1600.00} New Limit {$2100.00} Is anything incorrect?

Company response to consumer: Closed with non-monetary relief