Consumer complaint received 2021-08-12
Company: Bread Financial Holdings, Inc.
State: OH
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:
To whom this concerns, I have a Comenity bank/Victoria secret account that is reporting to my XXXX credit report that should not be reporting. I have tried time and time again to dispute this with Comenity Bank. I have mailed them over 6 letters just this year alone and I have to say that I am exhausted trying to reach out to them. They don't check over their work to make sure that they have fixed any issues their customers may have and it is to the point where I won't even apply for a credit card if its a Comenity Bank card. 

Background information : In XXXX of XXXX, I opened a Victoria secret credit card with Comenity bank. As a result of a difficult immature season in my life, I was unable to pay my credit card bill and it became over 30-60 days past due. They eventually sold me to a collection agency called " XXXX XXXXXXXX '' and it started reporting to my credit report. Last year in XX/XX/XXXX, I made an agreement to XXXX XXXX to pay for deletion. Along with this complaint, I have attached the receipts and confirmation that the balance was paid. XXXX  XXXX also kept their agreement and deleted the negative collection accounts from my credit report. 

Although the debt was resolved with XXXX XXXXXXXX, the original account from Comenity bank was still reporting as a charge off debt to all 3 of the credit bureaus ( XXXX, XXXX and XXXX ). They were notified from XXXX XXXX that I paid off the debt so they eventually changed the status of the dispute to " paid ''. later on I found some inaccuracies in the information they were reporting to the credit bureaus and disputed the account. I mailed letters out to Comenity bank and all 3 of the credit bureaus to dispute the account. 

After the 3rd dispute I had with them, they didn't fix the issue once again but instead reported duplicate accounts to XXXX, XXXX and XXXX. Each credit bureau now had 2 accounts from Comenity bank reporting to my credit report and they all had different account numbers. You can only imagine how frustrating it is to ask someone to fix something and they only make the problem worse. This heavily impacted my credit report and it wasn't my fault. Of course I had to spend more of my money to mail a dispute to them again hoping that this time, someone who really understood their job would resolve the issue. I even requested a signature and overnighted the letter in hopes that a person would be handed the letter and read it. Eventually, after 15-25 days, someone got a hold of it and deleted all the accounts from XXXX and XXXX. Here 's the twist, they deleted only one account from XXXX and left one on there. 

Just when I thought this was over, they decided to leave just one account on XXXX. Even better, they mailed me a letter stating that none of the accounts are reporting to the any of the credit bureaus. The worse part about this is Comentiy bank credit bureau ( the only department that handles disputes ) does not have a number or email address. You can only reach them by mail. After paying to have so many letters mailed only to have your problem left unresolved, it becomes very frustrating. From my knowledge and understanding, under the Fair Credit Reporting Act, it is a violation for a creditor to report inaccurate information, better yet duplicate accounts with different account numbers to a person 's credit report. They even misspelled my name on the credit card and documents as " XXXX XXXX XXXX ''. Such mistakes results with them having to delete the account from the consumer 's credit report and I mean all of the accounts they made errors on. 

Following them leaving one account on my credit report with XXXX, I have disputed the account more than 4 times only to have them update the account and not delete it. I even mailed them more letters and I am tired. I am reaching out to you because I am hopeful that this will cause them to look into my case and actually do something. I have supporting documents along with the letter they mailed me stating that no accounts should be reporting to my credit reports. In the letter, I underlined that specific sentence. Please help me resolve this issue.

Company response to consumer: Closed with explanation