Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Fraudulent Comenity/XXXX  Account - Identity Theft In XX/XX/XXXX, during a routine check of my financial accounts, I discovered unauthorized activity including unfamiliar accounts opened in my name without my knowledge or consent. XXXX of these fraudulent accounts was a Comenity/XXXX  account that had been opened on XX/XX/XXXX, with account number XXXX showing a balance of {$710.00}. 

Actions Taken : XX/XX/XXXX : Discovered the unauthorized account during routine financial review Immediately contacted all three major credit bureaus ( TransUnion, Equifax, and Experian ) who confirmed fraudulent information had been reported under my name XX/XX/XXXX : Filed police report with XXXX Police Department documenting the identity theft ( Report # XXXX ) XX/XX/XXXX : Filed complaint with Consumer Financial Protection Bureau ( CFPB ) regarding this and other fraudulent accounts Provided comprehensive documentation including affidavit, identification, and supporting evidence to substantiate the fraud claim Company Response : On XX/XX/XXXX, Comenity responded through the CFPB process declining to remove the fraudulent account reporting. They claimed their fraud investigation found " no basis to support the fraud claims '' despite the extensive documentation provided, including police reports confirming identity theft. 
This fraudulent account has remained on my credit report for over 8 years, causing ongoing damage to my credit profile and financial opportunities. I never authorized this account and it was opened as a result of identity theft confirmed by law enforcement and credit bureaus.RetryClaude can make mistakes. Please double-check responses. '' Fraudulent Comenity/XXXX Account - Identity Theft ( Over XXXX XXXX XXXX ) In XX/XX/XXXX, during a routine check of my financial accounts, I discovered unauthorized activity including unfamiliar accounts opened in my name without my knowledge or consent. XXXX of these fraudulent accounts was a Comenity/XXXX  account that had been opened on XX/XX/XXXX, with account number XXXX showing a balance of {$710.00}. 
Actions Taken : XX/XX/XXXX : Discovered the unauthorized account during routine financial review Immediately contacted all three major credit bureaus ( TransUnion, Equifax, and Experian ) who confirmed fraudulent information had been reported under my name XX/XX/XXXX : Filed police report with XXXX Police Department documenting the identity theft ( Report # XXXX ) XX/XX/XXXX : Filed complaint with Consumer Financial Protection Bureau ( CFPB ) regarding this and other fraudulent accounts Provided comprehensive documentation including affidavit, identification, and supporting evidence to substantiate the fraud claim Company Response : On XX/XX/XXXX, XXXX responded through the CFPB process declining to remove the fraudulent account reporting. They claimed their fraud investigation found " no basis to support the fraud claims '' despite the extensive documentation provided, including police reports confirming identity theft. 
Impact : This fraudulent account has remained on my credit report for over 8 years ( since XX/XX/XXXX ), causing ongoing damage to my credit profile and financial opportunities. I never authorized this account and it was opened as a result of identity theft confirmed by law enforcement and credit bureaus. The prolonged presence of this fraudulent information has significantly impacted my ability to obtain credit and has caused substantial financial hardship.

Company response to consumer: Closed with non-monetary relief