Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Dear Commenity Capital I have written many times before and have called in numerous times to your company. I need resolution because it is affecting my health and wasting a substantial amount of my time as well as the time of the credit reporting agencies and companies like the CFPB. 
To know my history, I had XXXX about three years ago through a loan by Comenity. This was following a XXXX XXXX XXXX XXXX XXXX XXXX I battle every day. The purpose of my loan was 100 % medical and done by a doctor and followed up with by XXXXXXXX XXXX XXXX XXXX 
The problem is that its not listed on the credit report as medical. I need the word.Medical to be listed on the credit report or the tradeline needs to be deleted entirely Not having the word medical on the credit report has forced me to give up sometimes eight hours a day calling the credit reporting agencies. They admit that the problem is that on nowhere on the account does it list the word medical. It creates confusion for all credit reporting agencies. There is massive time wasted because of the word medical is not on there In the past, I have written to the XXXX XXXX XXXX who only passed the buck to the current debt owner of XXXX XXXX. XXXXXXXX XXXXXXXX is tired of having their time wasted because they are not the ones who have put it on the credit report under the name of Comenity Bank or XXXX. The entry on my credit report is 100 % from Comenity Bank and when its disputed, it is responded to by Comenity bank. The way that disputes work is its a computer talking to a computer so common sense is left out of the scenario, especially when the word medical is not viewed on my credit report. 
Please dont refer me to XXXX XXXX because Im sure you understand that they do not put entries on my credit report under the name of Comenity Bank . Comenity Bank has done this not XXXX So therefore it needs to be fixed by Comenity bank or XXXX I am also very happy to provide you with as much medical documentation as you need to prove that I actually had XXXX and the XXXX was recommended by a physician who knew my XXXXXXXX XXXX 
Having this correctly labeled would save the hours of my time, the staff of all credit reporting agencies, Commenity Bank and other. 
My health and my mental health is declining because of the runaround I get from XXXX XXXX and the needless unwillingness to add a simple word on the credit report which would be the word medical since it was indeed from XXXX. FCRA agrees that the information on the credit report needs to be accurate or it needs to be deleted and theres no law that states that XXXX must put it on the credit report to begin with. Since Commenity placed it on my credit report and are the ones to respond to disputed than it is the Commenity Bank to fix it I did reach out to Comenity Bank once again today the first person I talked to was un concerned and lacking in knowledge however, the second person that I talk to, was very kind and try to send a request to a certain department to add the word medical to my credit report. Her name was XXXX who is an asset to the company and the only one to treat me like a human. 
I appreciate your time and would appreciate a phone call to my house phone as we need to discuss medical issues. Thank you for giving this your prompt attention and not simply blaming XXXX XXXX for something that committee has total control over. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation