Consumer complaint received 2023-05-15
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I KNOW THIS IS LONG VERY SORRY BUT PLEASE READ IT I COULD NOT MAKE IT SHORTER!! 
Thank you Fraudulent activity on all 3 my credit reports from the three main CRAs .Fraudulent activities involve transactions made between XXXX and XXXX during that period of the I was not living in the XXXX was in XXXX XXXX - XXXX, XXXX XXXX, returning to XXXX Virginia in XXXX after a few months traveling around the XXXX by car until I settled in XXXX Florida apparently in mid XXXX then moved to XXXX XXXX Florida where I currently live after purchasing a condo. I live with my current girlfriend of approximately three years. I did extensive traveling while living outside the XXXX I moved to XXXX with my the woman I was involved with from XXXX till XXXX she was a XXXX  citizen who I met while she was visiting a family of hers who was also a friend of mine. I left the XXXX while involved in a horrific divorce from a mentaly in women with a long history of involuntary XXXX  XXXX  due to behavioral problems caused by her XXXX  behavior causing her to be a danger to self and others she had been diagnosed with XXXX XXXX with delusional thinking approximately 20 years prior. She became not completely with treatment and her behavior deteriorated to the point it was dangerous for me to be anywhere she could find me. The issue of my safety and that of my girlfriend was a very substantial factor in our choice to move to XXXX in XXXX where we stayed until XXXX. We moved to XXXX XXXX in XXXX and I returned to the XXXX in XXXX. Unfortunately I have almost no paperwork related to my time in XXXX primarily because I was truly hiding from my exwife she is a dangerous person and I had no clue what she was willing to do to harm me or worse and technically a XXXX citizen is not allowed to travel to XXXX or lived however enforcement is week. However as a citizen of a XXXX the Cuban government does not allow XXXX citizens to travel and live there for any extended period of time which is why I had to move yet again in XXXX relocating to XXXX. My relationship with my girlfriend at the time was in decline she had started the process to obtain a visa to come back to the XXXX with me in XXXX for her and the young daughter we could not legally obtain the documents required the relationship ended. It was time I came home my kids started having kids. While I lived outside the XXXX I returned a few times for short visits for major family gatherings. My children have no relationship with me ex wife so that was not an issue. My divorce paperwork states separated on or about XXXX of XXXX divorced in XXXX of XXXX will provide copy. I actually left my ex in XXXX living the marital residence where she remained until the house was sold in XXXX I will provide paperwork. I will also provide paperwork to support the above statement. Unfortunately it really begins after I moved from XXXX to XXXX, No banking information because both countries have no banking treaty with the XXXX. I have a lease from XXXX also paperwork related to the purchase of a home by an American in XXXX a document requesting long term residency which was required to open a business and become after being there well beyond the legal limit I need paperwork to allow me to say it was a the point the local cops who I was friendly with knew my name on sight. I have some of my girlfriends paperwork from XXXX still in XXXX that she provided to homeland to begin the process of obtaining a long term visa to return with me to the XXXX before we moved to XXXX. 
I have tried several times to get the negative ideas of my XXXX credit reports and failed, this is not the first time I am filing out this exact paperwork and failed, I have contacted the last XXXX creditor on my credit report both by mail and on the phone dozens of times and failed, I have reported this and obtained documents from the ftc several times most recently on XX/XX/XXXX that reported I will also include it was mailed to the XXXX creditors with all other paperwork the ftc provided and that failed. The same information was sent to all three credit agencies and that failed. I am beyond frustrated. What I recently learned was why I cant fix this and I need help to get this fixed. I will send you what I think is enough for you to assist me if you need anything else please let me know and I will do my best to provide it. 
The issue seems to have been created by two things the fact that I was living outside the XXXX in countries without banking treaties so I personally disappeared from the credit market in the XXXX. My ex continued at the marital residence until it was sold, she did move off for a short period to XXXX XXXX but returned I think because she was facing eviction. Her living in that house which still has the landline phone service I opened in XXXX when I purchased and moved into the house my lawyer told me I could not disconnect the phone after I moved out because it would seem like harassment. That cause my exwife to be able to assume my credit identity fraudulently. And the same situation is preventing my from getting my credit repair. Simply I start the complaint process with a credit card company or credit agency they basically look at 3 things phone contact information and address are two she was in control of both The third is if payment were being made and they were at first this shocked and confused me until I realized why. My ex wife is nuts but extremely smart, it is my belief that by making small payments and keeping the balances in control when she opened the credit lines she was able to build up the credit history which allowed her to build the credit limits in one case to {$5000.00}. In XXXX when the house was sold she then maxed out the credit lines and stopped paying. If you look a my credit history on all 3 reports it also supports the above statement. My history is perfect until XXXX and after XXXX when the house was sold. I have requested information by phone and in writing from all 3 creditors and they refuse to provide it I have been told basically the same thing by all three. You have protested this many times and lost the accounts are so old they have been written off and sold so long ago its to difficult to provide any information and that included who currently actually had the debt. This both seems crazy as I try to get information in my efforts to ger this fixed. How can I deal with this problem without so much as information about when and where the account was actually open plus no information about what was preceded where and when. Ridiculous and I violation of my rights under the fair credit acts. Also this letter seems like Im XXXX  but unfortunately its what happened please really take the time to review what I said and the paperwork Im including. Im going to attach one document when I submit this and then update my file to send the rest I just need a break and yesterday at this point I tried to save it finish later and loss everything I wrote. I am also sending some information in it originally form and with a certified translation of the documents because I have to have them for the appropriate government agencies in the country I lived.

Company response to consumer: Closed with explanation