Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
PUBLIC THIS IS A PUBLIC COMMUNICATION TO ALL Notice to agent is notice to principal Notice to principal is notice to agent Applications to all successors and assigns All are without excuse Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX COMENITY BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX  comenity.net/victoriassecret ALLEGED ACCT. NO. ENDING IN XXXX Alleged Account Name : XXXX XXXX Alleged Amount Owed : {$640.00} XXXX Alleged Last Date Active : XX/XX/XXXX RE : DEMAND LETTER : INACCURATE CREDIT REPORTING : FALSIFYING DEROGATORY TRADE : CEASE AND DESIST XX/XX/XXXX TO WHOM IT MAY CONCERN : This is a declared notice. It informs you. It means what it says. This letter is written in response to inaccurate derogatory trade lines illegally written upon XXXXXXXX XXXX  credit by COMENITY BANK et. al. This letter memorializes XXXXXXXX XXXX correspondence ( attached hereto ) with COMENITY BANK et. al. but not limited to, XXXXXXXX XXXX futile attempts to resolve and/or work with COMENITY BANK et . al., but not limited to for several months in attempts to resolve and establish illegal and derogatory trade lines made by COMENITY BANK et. al. on XXXX XXXX  credit report. Due to these futile attempts made by XXXX XXXX to be given fully compliant responses by COMENITY BANK et. al., but not limited to, control and or possession to no avail, XXXX XXXX is filing a complaint with the XXXX XXXX XXXX XXXX. This letter memorializes that AFTER receiving a letter of debt validation from XXXX XXXX, COMENITY BANK et. al. IGNORED the request made by XXXX XXXX and instead, COMENITY BANK et. al. continued to call XXXX XXXX after receipt of the demand letter ( see attached hereto ). Furthermore, as of XX/XX/XXXX, COMENITY BANK et. al. is still reporting this alleged account and derogatory trade lines on XXXX Grants credit report. Due to no response, XXXX XXXX is hereby filing this complaint with the Consumer Financial Protection Bureau. After complete silence from COMENITY BANK et. al., derogatory tradelines are now on XXXX XXXX credit report under the name " COMENITY BANK/VCTRSSEC No other details are given about this alleged account on XXXX XXXX  credit report. XXXX XXXX et. al. DOES NOT HAVE A CONTRACT WITH COMENITY BANK et. al. but not limited to. This letter memorializes that I, XXXX XXXX, am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. Fair Debt Collection Practices Act FAIR DEBT COLLECTION PRACTICES ACT. As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account, and alleged amount owed. A copy of any documents provided bearing my wet ink signature, showing that I have legally binding contractual obligation to pay them the exact amounts claimed. Verification of valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor. A detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest. The date the original creditor claims this debt became delinquent. Whether this debt is within the SOL ( statute of limitations ), and how that was determined. Details about COMENITY BANK et. al. authority to collect this debt, whether COMENITY BANK et. al. is licensed in South Carolina and if so, provide the date of the license, name on the license, and license number, and the name, address, and telephone number of the state agency issuing the license. If COMENITY BANK et. al. is contacting XXXX XXXX from outside South Carolina, provide the licensing information from COMENITY BANK et. al. as well so that I, XXXX XXXX, may examine it. I give notice that I know nothing that would or could support alleged unverified and invalidated allegations/claims that are substantively baseless due to the lack of legally lawful evidence that has never been provided to me even after I respectfully gave a certified notice ( attached hereto ). I ALSO GAVE NOTICE OF XXXX  DAYS THAT EXPLICITLY STATED REGARDLESS OF THEIR RESPONSE, THAT THEIR SILENCE EQUATES TACIT. During the provided time period, COMENITY BANK et. al. never substantively responded, and therefore agreed to set terms and conditions, and are therefore estopped from any further claims. FURTHERMORE, COMENITY BANK et. al. have refused to provide the completed CORPORATE GOVERNMENT EMPLOYEE QUESTIONNAIRE FORM This questionnaire form is lawfully legally obligatory to return as it is enacted by the Senate and the House of Representatives of the United States of America by Congress assembled, that is cited by THE PRIVACY ACT OF 1974 ( As Amended ) Public Law 93-579, as codified at 5 U.S.C. 552a. As records show, COMENITY BANK et. al. are in fact corporate government employees, and are therefore legally and lawfully obligated to return a fully compliant Corporate Government Employee Questionnaire Form. I give notice I do not know the law. I give notice that the foregoing is true and correct to the best of my knowledge. NOTICE WAS, AND IS STILL GIVEN, ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION IS UNACCEPTABLE Due to no responses from COMENITY BANK et. al. XXXX XXXX gives notice that : COMENITY BANK et. al. engaged in, and continue to engage in : negligence and harassment against XXXX XXXX illegally and unlawfully placing derogatory tradelines on XXXXXXXX XXXX credit report and harassing XXXX XXXX via telephone communications from a telephone number that reads account services regarding this alleged debt. These manipulation tactics are causing XXXX XXXX ongoing harm, and ongoing intentional infliction of stress and emotional damages, that is also causing XXXX XXXX relentless ongoing damages and harm. The item ( s ) in question are inaccurate representing a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If no response is received, I expect this item will be removed from my credit files immediately. I give notice and all correspondence is recorded for the record on the record to be made part of the record. I give notice I do not know the law. I declare to the best of my knowledge the foregoing is true and correct. FURTHER AFFIANT SAITH NOT Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non-waived. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX Subscribed to and sworn before XXXX ( XXXX XXXX ) this XXXX  day of XX/XX/XXXX. Acknowledgment by Publication ENCLOSURES

Company response to consumer: Closed with non-monetary relief