Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/year> To XXXX XXXX XXXX XXXX XXXX XXXX -- - RE : URGENT DEMAND TO REMOVE INACCURATE INFORMATION FORMAL DISPUTE UNDER FEDERAL LAW : To Whom It May Concern, This letter is a formal dispute and demand for immediate removal of inaccurate, incomplete, and/or unverifiable information being reported on my account/file. The information is damaging to my credit profile and violates multiple provisions of federal law, including the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ).

The account ( s ) in question includXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX : XXXX Dispute Summary : LATE PAYMENTS ARE INACURATE : BALANCE STATUS ARE INACURATE : GROUNDS FOR DISPUTE AND DEMAND FOR REMOVAL : 1.15 U.S.C. 1666b This section of TILA requires creditors to promptly and accurately credit payments as of the date they are received. Failure to properly credit payments may result in erroneous late reporting or balance information.

2.15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. The errors I am disputing are a direct violation of this statute.

3.15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Upon receiving notice of a dispute, a consumer reporting agency must conduct a reasonable reinvestigation and remove or correct information found to be inaccurate or unverifiable.

4.15 U.S.C. 1637 ( b ) TILA requires creditors to provide clear and accurate billing statements. Any misleading, inaccurate, or omitted account information is a violation of this statute.

5.15 U.S.C. 1681s-2 ( a ) ( 7 ) If a data furnisher reports negative information to a consumer reporting agency, they are required to notify the consumer within a reasonable time. I have not received such notice, which constitutes a breach of this obligation. 

-- - DEMAND FOR RESOLUTION : I hereby demand the immediate removal of all disputed information unless it can be fully verified and documented as accurate within the timeframe allowed under federal law.

I request that you : - Conduct a reasonable reinvestigation.

- Delete or correct all inaccurate, incomplete, or unverifiable data.

- Provide a written summary of your findings and actions within 30 days of this notice.

- Send me copies of any documentation used to verify the disputed information.

Failure to comply will result in the filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or consideration of legal remedies.

I have enclosed documents supporting my position. Please take this matter seriously and act swiftly to ensure compliance with the law. 

Sincerely, XXXX XXXX -- - Would you like this in * * PDF * * or * * Word document * * format for download or printing?

Company response to consumer: Closed with explanation