Consumer complaint received 2022-12-19
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Around the beginning of XXXX I began receiving autodialer calls from comenity bank  XXXX, several times a day so I would answer and the representative would explain it was the autodialer and it was wrong that I have a XXXX balance. Eventually after the calls became harassing I spoke with several associates and a supervisor and was assured the autodialer saw a past due balance back in XX/XX/2022 of {$1.00} ( That I never charged or owe at all ) and that it was removed along with the late fees added and I had a XXXX balance. The supervisor assured me I would not get any more calls and that my balance was XXXX. Again, I received another call in which I was assured by a supervisor that my account would be notated they spoke with collections and that I have a XXXX balance and that the calls would stop ( and they did thereafter ). This morning I called XXXX XXXX XXXX because my XXXX XXXX went down astronomically ( and I work super hard to keep a good XXXX XXXX, in fact it was exceptional up until the error on XXXX XXXX bank 's account. I called XXXX XXXX XXXX and they assured it was just reported today- I called and spoke with a supervisor from XXXX XXXX XXXX XXXX XXXX in NM ) and she assured me that I have had a XXXX balance and that the account was fixed several months ago and that it was an error on their behalf but unfortunately their " autodialer '' was just turned back on this morning so it reported the old inaccurate information to my credit report. Now the issue at hand is I verified as of this morning and as for the past few months my account has shown XXXX and also the initial past due balance was an error on their behalf but the XXXX XXXX explained to me there isnt anything she can do because their systems show as of this morning at XXXX their capability to report to credit reporting agencies was just turned back on and although as of this morning I had no balance and no monies due it picked up the account from over XXXX  months ago and reported that I owed money over XXXX days past due this XXXX. Although she can see notes of when I have called several times, showing the account balance is XXXX and very well has been for months that their autodialer was turned back on for reporting at XXXX so it picked up the old information they had on file and have been wanting to report before it was turned off or XXXX. While this makes no sense XXXX XXXX is advising not to worry about it because they show I do not owe them any money and they have their own credit reporting and collections so it will remain in house. NO NO NO, this is unacceptable, UNPROFESSIONAL, inappropriate and down right WRONG! They are ruining my credit, made my score drop dramatically ( you can verify this with XXXX XXXX XXXX and XXXX ) because of some autodialer that was turned back on this morning and showing wrong and inaccurate information. How can they get away with not updating their systems? How can they get away with reporting erronious information and say there isnt anything they can do to fix their mistake or take accountability for ruining my credit I work very hard to maintain. This is unfair and cruel punishment when I have done nothing wrong, I am being unfairly treated by XXXX XXXX and comenity bank. I can not cancel the credit card because it would ruin my credit so I have to keep a card I have no intentions on using because I am absolutely done with this company. I am requesting the immediate removal of the report sent to XXXX XXXX XXXX because it is inaccurate. I very clearly do not owe them any money and they reported me to the XXXX XXXX as owing money when it was initially their mistake back in XXXX & on top of that it was fixed and my balance has been XXXX for months ( actually have a credit on my account ) yet it was reported to the credit reporting agencies ( I am sure more then XXXX ) that I owe them money today XX/XX/2022. This is wrong and I want it rectified by XXXX XXXX and I want my XXXX XXXX not to be negatively affected by their error- its wrong and unfair.

Company response to consumer: Closed with non-monetary relief