Consumer complaint received 2021-12-25
Company: Bread Financial Holdings, Inc.
State: CA
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:
I am a victim of identity theft. According to the State of XXXX Consumer Credit Reporting Agencies Act FCRA US 16 1851 States that a consumer has a right to privacy and as a data furnisher you are in violation of this the right be reporting inaccurate, erroneous, slanderous and fraudulent information. FCRA 611 US 186 or 18 are being violated because as the original creditor I have released from this debt and filed a ceist and desist from the creditors so reporting theses inaccuracies warrants restitution for each time that it has been deleted and repurposed onto the report in the amount of 1,000 per each instance. the following items were deleted in XXXX twice then repurposed twice in XXXX amounting in a total of $ 8,000.00USD. I will accept settlement in the form of a check due to the damages accessed for the inaccuracy of reporting which is apparent. 
Im excising my consumer right as outlined in the FCRA 605B & 611 for accuracy in reporting and to have items that are of fraudulent nature that have steamed being a victim of Identity theft to be updated on the report and to Cease to Desist within 5 calendar days of receipt of these notarized documents. Since its the third time Im sending these documents I have the right to bring civil action against anyone including XXXX, and XXXX who improperly obtains access to my credit file, knowingly or willingly misuses file data, and or fails to correct inaccurate data within designated timeframe of 5 calendar days in accordance with FCRA 605B consumer law. Below are the accounts that are fraudulent and need to be removed pursuant to the FCRA 605B & 611, Truth and lending act and CCA Privacy and Consumer Laws. Thank you. 
FILE # XXXX CEASE AND DESIST REPORTING the following fraudulent Accounts within 5 calendar days this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I am requesting a Cease and Desist from XXXX in additon due to their negligence in accuracy of reporting and infringing my right of resitiution in the amoutn of 2,500 per violation that they have erroneously reported which has cause extreme emotiional distress, lack of crediability and physical harm. 

Account Name charge date Comenity Bank Victoria Secret XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FCRA LAW 605B, 623 and 611 state that within 4 CALENDAR DAYS INACCURATE, FRAUDULENT AND ERRONEOUS INFORMATION SHOULD BE SUPPRESSED FROM REPORTING BECAUSE THEY ARE NOT VERIFIED AND OR CONSECUTIVE THROUGH OUT ALL THREE REPORTING AGENCIES THEREFORE CONSTITUTING THEIR ERRONEOUS IN NATURE AND INACCURACY. ALL THREE BUREAUS NEGLECTED AND HAVE CAUSE GREAT DESPAIR AND HARDSHIP TOWARD ME ESPECIALLY XXXX WHICH I HAVE PAID FOR INSURANCE AND YET MY DATA HAS BEEN LEAKED ALL IN THE DARK WEB I HAVE ATTACHED THE INFORMATION TO THIS POLICE REPORT. Consist to the Credit report the following pertains : Fraudulent addresses that need to be permanently removed from my credit payment are as follows : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX NY XXXX Thank you and I am looking to prosecute for damages, emotional distress, and compensation ultimately until this matter fully is vindicated and absolved, my Credit profile is reporting accurate data once again and my creditworthiness is restored to the full extent possible by the FCRA law.

Company response to consumer: Closed with explanation