Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (NC)

I reviewed my consumer report and noticed that I had XXXX late report on an account I was never late for. The consumer agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account, I have included screenshots inside this compliant for date of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact they were never late. Thank you please review screen shot enclosed from XXXX XXXX XXXX XXXX. I also would like XXXX compensation. 


Per the FCRA as a federally protected consumer, I am opting out of all authorization. The the consumer XXXX have given written, unwritten, non-verbal and/or verbal authorization.At this time I'm a rescinding authorization immediately and indefinitely ; Per 15 USC 6802-6805.I have included the law that pertains to this violation of the Sportsman Guide Community Bank Violation, by exposing inaccurate information XXXX XXXX, and XXXX. 


15 USC 6802-6805 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given a 16 CFR 313 ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 313.14 and 313.15.

Per 16 CFR 313- I was no made aware prior to sportsmanguide visa debit card and community bank sharing this information with the 3rd party XXXX  and XXXX I want full compensation and removal of any late occurrences due to this is invalid/inaccurate late payments. I have included letters that I have sent to Sportsman guide/commentity bank with no response.

Sportsmanguide visa has provided the 3rd party credit agencies inaccurate information they have not provided 30 days opt out notice as written in there terms and conditions of privacy act, nor have they given the opportunity to correct error on there part. Based on the US code I am entitled to fair compensation due violation of the fair credit repairing act, I would like any accuracies removed from my account, late payments and paying all balances on time as well as compensation for being denied addtional credit opportunities