Consumer complaint received 2022-06-21
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I sent my final correspondence to Commenity to request that they send me a Validation for an account that appears on my credit profile. I have sent several letters over the past 16 months, requesting this information from Commenity. Please see all prior letters to Commenity and received from Commenity attached to this complaint.

In every response letter from Commenity, the company stated that the account was owned by XXXX XXXX XXXX. I reached out to XXXX XXXX management for several months for this collection agency to provide me with Validation for the account. Ultimately, XXXX XXXX XXXX closed the account and ceased collections. XXXX XXXX XXXX did send me a confirmation letter with that information dated XX/XX/XXXX. I have also attached the letter from XXXX XXXX XXXX to this complaint. 

According to my rights under the FCRA I have the right to request Validation of this account. I have sent several requests to Commenity and each request the company refuses to provide Validation or any type of evidence or documentation that this account belongs to me or that I have any obligations to the mentioned account.

I attempted to reach out to Commenity once again on XX/XX/XXXX, asking that they provide Validation for the account. I also stated to Commenity in the letter that the company in which they stated owned the account, XXXX XXXX XXXX has closed the account and ceased collections. I asked in my correspondence that Commenity provide me with the Validation for this account. 

Commenity did receive the correspondence on XX/XX/XXXX, as stated on the Certified mail receipt that I have also attached to this complaint. 

On XX/XX/XXXX, Commenity sent me a correspondence identical to the response that was sent to me on XX/XX/XXXX. Commenity is still claiming that the account is owned by XXXX XXXX XXXX, even after I provided the documentation to Commenity stating that XXXX XXXX XXXX no longer holds this account, also ceased collections, and closed the account. I called XXXX by phone and requested information regarding this account. The customer service representative informed me that Commenity did not have any information on this account and that the account was sold to XXXX XXXX XXXX, and that if I needed any information, they would provide it. Commenity failure to provide me with the requested information is a clear violation of my rights under the FCRA. Also, the fact that Commenity continues to provide invalid account information is a violation as well.

Commenity has violated my rights under the FCRA section by reporting an unvalidated account to my credit profile and their refusal to Validate the account or provide me with any information about the account. I have disputed this account with XXXX several times and every time the account comes back as verified. How is Commenity able to verify account that they have no information about, furthermore Commenity is in violation of the FCRA for continually reporting this Unvalidated account and failure to provide me with the requested information. 

Over 16 months of sending correspondences to Commenity, yet they refuse to provide any information and continues to violate my rights by reporting this account to my credit profiles.

Company response to consumer: Closed with explanation