Consumer complaint received 2022-11-11
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Thank you for your response to my XX/XX/XXXX complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX that was submitted through the portal. After careful review of your response to my complaint, I am still denying all allegations by you. 
In your letter, you stated that An investigation of this matter indicates you became the servicer of account ending in XXXX on behalf of purchaser XXXX XXXX, XXXX ( XXXX XXXX  ) on XXXX XXXX, however the letter that you attached to your response in the portal with the CFPB states that the account was purchased on XX/XX/XXXX. This letter has a date in the top right hand corner of XX/XX/XXXX. I never received any correspondence from Commenity Bank ending in XXXX regarding this matter. You contend that the account originated on XX/XX/XXXX, however the statements provided begin with XX/XX/XXXX. You claim to have purchased the account on XX/XX/XXXX, but your response, includes a statement for XX/XX/XXXX from Commenity Bank regarding this account. 
In your next contention, you stated you became the servicer of the account ending XXXX on XX/XX/XXXX, however the letter that you attached from Commenity Bank ending in XXXX that as of XX/XX/XXXX you were the new owner of the account. The date this letter was sent is displayed in the top corner as XX/XX/XXXX, however your attachments included a statement from XX/XX/XXXX. 
For account ending in XXXX you state you became the account servicer on XX/XX/XXXX, and this information originated from Commenity Bank with account ending XXXX. According to the letter from Commenity Bank that you attached to your response, as of XX/XX/XXXX, you were the new owner of the account. This letter has a date of XX/XX/XXXX. You claim the account originated in on XX/XX/XXXX, however the statements only go back to XX/XX/XXXX. You attached a Trial Judgment to your response however, this judgment was never served on me. Also, your judgment does not indicate which account this is for. I pulled the case history from the XXXX XXXX XXXX XXXX, and there was never any service of this XXXX. I also noticed that there was a hearing listed on XX/XX/XXXX, but there is no Notice of Hearing filed for this date. How can someone appear for a case if they were never placed on notice? An Application to the court for an order and notice of any hearing thereon, not presented during a hearing or trial, must be served upon all other parties not less than XXXX days before the time specified for the hearing, unless otherwise unless provided by these rules or shortened by the court XXXX. XXXX XXXX. XXXX XXXX. I also have not received any copies of any of the pleadings that were filed in this case. Nothing was mailed to me or served on me by the XXXX or your counsel. If it was, then please provide the certified mail return receipt. 
You state that the service numbers have changed, and you have record of all of this, however, record was never submitted to me, nor was any original account information which I repeatedly asked for. 
You purchased account number XXXX provided by Commenity Bank ending XXXX and state the account originated on XX/XX/XXXX. As stated previously, you have yet to provide any original account information, which I have once again repeatedly asked for. You claim to have purchased this account on XX/XX/XXXX, however the letter you attached shows you became the owner of this account on XX/XX/XXXX. The date of this letter is for XX/XX/XXXX. The letter shows XXXX different balances. Once again, the statements have issues as well. 
A copy of this letter and corresponding evidence has been submitted to the CFPB and the Texas Attorney Generals office. 
I encourage you to remove all accounts at once or face legal action against you. You have not provided accurate information and your evidence along with the letter you submitted to the CFPB shows this. I will move to have the Judgment thrown out due to a violation of due process. A copy of this letter will be sent Certified Mail Return Request Receipt to the address on the attached letter that you submitted. 

The statute of limitations has also run out on all negatively reporting commenity bank accounts on my report so I ask that these be removed as well.

Company response to consumer: Closed with explanation