Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
XXXXobtained my XXXX  credit report dated XX/XX/XXXX. The report contains multiple negative tradelines that are inaccurate, outdated, or unverifiable. The primary issues involve internal inconsistencies, unverifiable debt-buyer accounts, and lack of proper documentation or proof of assignment.

I have formally disputed these items with XXXX  and the furnishers by certified mail, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I requested a reinvestigation and verification of accuracy within 30 days. I also sent each furnisher a written demand for validation and proof of assignment pursuant to 15 U.S.C. 1681s-2 ( b ) and UCC 9-406 ( assignees duty to furnish proof of assignment ). 

The disputed tradelines are : XXXX XXXX XXXX XXXX  closed/charge-off ( {$580.00} ), internally inconsistent ( closed in XXXX but shows past due as of XX/XX/XXXX ). 


XXXX. XXXX XXXX XXXX collection ( {$620.00}, original creditor XXXX XXXX ) ; unverifiable chain of assignment. 


XXXX. XXXX XXXX XXXX collection ( {$540.00} ) ; unverifiable chain of assignment. 


XXXX. XXXX XXXX XXXX collection ( {$710.00}, original creditor XXXX  ) ; unverifiable chain of assignment. 


XXXX. XXXX XXXX XXXX two medical collections ( {$1400.00} and {$1900.00} ) lacking proof of assignment or service documentation. 


XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX charge-offs reported with inconsistent or unverified dates of first delinquency.

These items appear to violate the following FCRA provisions : 15 U.S.C. 1681e ( b ) failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) failure to conduct a proper reinvestigation of disputed information.

15 U.S.C. 1681s-2 ( b ) failure of furnishers to investigate and correct inaccurate data after receiving dispute notice.

In addition, several debt-buyer furnishers have failed to produce reasonable proof of assignment, as required under UCC 9-406 , which calls into question their authority to report or collect these debts.

I am requesting that the CFPB investigate XXXX  and the furnishers listed above for non-compliance with the FCRA, require deletion of any unverifiable or inaccurate information, and ensure full correction of my credit file.

-- - Desired resolution : > Immediate deletion of all unverifiable or inaccurate tradelines identified above from my XXXX  credit file. 
Written confirmation from XXXX  and the furnishers showing correction or deletion. 
Assurance of compliance with the FCRA and UCC documentation requirements.

Any civil or administrative action the CFPB deems appropriate to enforce these provisions.

-- - Supporting documents : > I am attaching the following ( upload in the CFPB portal ) : 1. A copy of my XXXX  report dated XX/XX/XXXX showing the disputed tradelines. 


2. Copies of my certified-mail dispute letters to XXXX  and the furnishers ( dated [ insert date sent ] ). 


3. USPS certified-mail receipts / tracking confirmations.

-- - Statutory citations to include in details box ( optional ) : FCRA 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681s-2 ( b ), 1681n, 1681o UCC 9-406 ( proof of assignment ) UCC 9-203 ( attachment/enforceability )

Company response to consumer: Closed with explanation