Consumer complaint received 2021-07-24
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a consumer, a natural person pursuant to 15 USC 1692a ( 3 ). Pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. Everything that is on my credit report should be 100 % complete and accurate. I have sent multiple letters to XXXX XXXX XXXX demanding " Documentary Evidence '' pursuant to 15 U.S. Code 44 which includes all documents, papers, correspondence, books of account, and financial and corporate records showing material fact or evidence regarding account in question that is being furnished on all 3 of my credit reports claiming that I owe an alleged debt. Pursuant to ( FDCPA ) Fair Debt Collections Practice Act, XXXX XXXX XXXX, have failed to provide : ( 1 ) Ownership of alleged debt owed.

( 2 ) Please furnish a copy of the original promissory note redacting my social security number to prevent identify theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
( 3 ) Please produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect.

( 4 ) Please identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

( 5 ) Please verify under penalty of perjury, that as a debt collector, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note. 
( 6 ) Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

( 7 ) Please verify under penalty of perjury that you know and understand that credit card contracts are a series of continuing offers to contract and as such are nontransferable.

( 8 ) Please provide verification from the stated creditor that you are authorized to act for them. 
XXXX XXXX XXXX, have violated my consumer rights to privacy with false, deceptive, or misleading representation, identity theft and fraud. Below are a few violations by XXXX XXXX XXXX. 
Pursuant to 15 U.S. Code 1692b ( 5 ) .Acquisition of location information.

Pursuant to 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection.

Pursuant to 15 U.S. Code 1692d ( 5 ) - Harassment or abuse.

Pursuant to 15 U.S. Code 1692e ( 10 ) .False or misleading representations. 
As a result of the harassment by XXXX XXXX XXXX, I have been damaged Financially, Socially and Emotionally and demanding monetary relief for violations of my consumer rights when given opportunities to fix this issue. 

I am demanding ALL accounts in question be removed from ALL 3 of my consumer reports.

Company response to consumer: Closed with explanation