Consumer complaint received 2024-09-13 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I am filing this complaint against Comenity Bank for fraudulently reporting three accounts as mine across all three major credit bureausXXXX, XXXX, and XXXXwithout providing any evidence, in violation of the Fair Credit Reporting Act ( FCRA ). Despite my repeated disputes and efforts to resolve this matter through legal and regulatory channels, Comenity Bank continues to report these accounts, causing significant harm to my credit. 

Alleged Fraudulent Accounts : Victorias Secret Comenity Bank Account : XXXX XXXX XXXX XXXX Credit Card : XXXX Express Comenity Bank Account : XXXX Summary of Actions Taken : 1. Disputes with Credit Bureaus : I have disputed the above accounts multiple times with XXXX, XXXX, and XXXX, asserting that they are not mine. Despite this, Comenity Bank has continued to verify the debts without providing any supporting documentation, violating their obligations under FCRA. 
2. Previous CFPB Complaints : First Complaint ( No. XXXX ) : Filed on XX/XX/year>. Comenity Bank, through XXXX XXXX, failed to provide any proof of the debts. 
Second Complaint ( No. XXXX ) : Filed on XX/XX/year>, after receiving an inadequate response to the first complaint. In addition to XXXX XXXX, I also received a response from XXXX XXXX at Comenity Bank, which again failed to provide any legitimate documentation or evidence for the accounts in question, further demonstrating Comenitys refusal to comply with legal requirements. 
3. Direct Contact with Comenity Bank : On XX/XX/year>, I called Comenity Bank at XXXX at XXXX XXXX  for 8 minutes. I spoke with XXXX in the fraud department, who admitted that Comenity had no records or documentation on the disputed accounts and suggested I get a lawyer and contact the Ohio Attorney General. XXXX transferred me to XXXX, who dismissed my concerns by stating, We are too big of a company, and we have nothing in your file on these accounts. Contact the collection agencies. XXXX also disregarded my point that Comenitys correspondence does not even have my name spelled correctly. 
4. Contact with XXXX : On XX/XX/year>, I called XXXX at XXXX at XXXX XXXX  for 37 minutes. Initially, I spoke with Mingling, who incorrectly quoted U.S. law and hung up when I corrected her. After multiple transfers, I finally reached XXXX, a U.S.-based dispute specialist. XXXX acknowledged that Comenity is required to provide proof but stated XXXX can not enforce this compliance. I was also informed that XXXX does not assign employee numbers, except for XXXX. 
5. Ohio Attorney General Complaint : I filed a complaint with the Ohio Attorney Generals office, and my reference number is XXXX. This complaint outlines the unlawful reporting practices by Comenity Bank and their failure to provide proof of the accounts. 
6. FTC Complaint : I have also reported this issue to the FTC, detailing Comenity Banks continued fraudulent reporting and refusal to provide documentation as required by law. The FTC report number is XXXX. 

Request for Action : I request that the CFPB take immediate action against Comenity Bank to enforce compliance with the FCRA. Specifically, I am seeking the deletion of all three fraudulent accounts from XXXX, XXXX, and XXXX. Comenity Banks ongoing violations of consumer protection laws have caused significant and undue harm to my credit and financial well-being. I urge the CFPB to hold Comenity Bank accountable and ensure they provide the necessary proof or cease their unlawful reporting. 
I will be hiring an attorney.

Company response to consumer: Closed with explanation