Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Comenity Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Urgent Demand for Immediate Correction of Inaccurate Reporting on XXXX/COMENITY/XXXX Account Willful Violation of FCRA and TILA Laws Account Number XXXX XXXX Dear Comenity Bank, This is my XXXX XXXX disputing the inaccurate late payment reported on my XXXX/COMENITY/XXXX account ( Account Number : XXXX, opened XX/XX/XXXX ), which was incorrectly billed under 15 U.S.C. 1666b ( Timing of payments under TILA ). I paid on time, as evidenced by my records ( enclosed ), yet you continue to falsely report a XXXX late payment for XX/XX/XXXX to the credit bureaus, as shown in the attached XXXX  report screenshot. I have called your bank multiple times, and your representatives admitted the error, even sending me a resolution letter confirming it ( enclosed ). Despite this, you are still reporting this account wrong, in blatant violation of federal laws. This must be updated and corrected immediately, your willful refusal to fix this is causing me severe harm, and I demand action now!

You are violating 15 U.S.C. 1681s-2 ( Duties of furnishers of information to consumer reporting agencies ), which requires you to investigate disputes, correct inaccuracies, and notify bureaus of errors within 30 days. By ignoring my disputes and the admitted billing error, you are furnishing misleading and false information under FDCPA 807, leading credit bureaus and future creditors to believe I was late when it was your mistake. This is deceptive and unfair under 15 U.S.C. 1692f ( Unfair practices ), as there is no valid agreement or law requiring me to accept this false " debt '' notation. Furthermore, your actions breach 15 U.S.C. 1681n ( Civil liability for willful noncompliance ), exposing you to statutory damages up to {$1000.00} per violation, actual damages ( including harm to my credit score, denied opportunities, and emotional distress ), punitive damages, and attorney 's fees.

Under 15 U.S.C. 1666b, you failed to properly handle the billing error, and nowhere in TILA, FCRA, or FDCPA is a " late payment '' defined in a way that justifies your inaccurate reporting, especially since I paid on time. Your ongoing harassment through false reporting ( FDCPA 806 ) has caused me XXXX  and XXXX XXXX XXXX  ; you are liable for all damages under 15 U.S.C. 1681o ( Negligent noncompliance ). I am the consumer with the right to privacy under 15 U.S.C. 1681a ( 4 ), and I deem this inaccurate information private, I DO NOT WANT IT SHARED on my credit report. You never obtained my consent to report this under 15 U.S.C. 1681b ( Permissible purposes ), making it unauthorized and akin to aggravated identity theft under 18 U.S.C. 1028A.

I demand that you : Immediately verify and remove the late payment notation from all credit bureaus ( XXXX XXXX XXXX ). 
Provide written confirmation of the correction, including XXXX updates sent to bureaus. 
Validate the account per XXXX or delete it entirely if unverifiable ( 15 U.S.C. 1692g Validation of debts ; I do not validate this error ).

Compensate me {$1000.00} per violation for damages under 15 U.S.C. 1681n. 
Send copies of all documents retained in your files verifying this account 's accuracy ( 15 U.S.C. 1681g ).

Do NOT respond with vague " verified '' claims, provide the senior executive certification under penalty of perjury that this was accurate ( 15 U.S.C. 1681B ( a ) ( 2 ) ). Over 30 days have passed since my disputes ( 15 U.S.C. 1681i ( a ) ), giving grounds for immediate deletion. 
If you fail to correct this within 10 business days, I will escalate with a complaint to the CFPB, FTC, my state 's Attorney General, XXXX, and pursue litigation in small claims court for all damages.

Company response to consumer: Closed with non-monetary relief