Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I have had a XXXX XXXX since XXXX. It has repeatedly been placed to another company over and over and over during the previous years and it has stayed alive on my report the whole time. Also, the Dept. of Ed. took my XXXX and XXXX tax returns which was about {$4000.00} and it has been at over {$3000.00} forever and even higher and I paid LOTS on it prior to stopping paying. If it's wrong for them to continue to keep my credit report reflecting owing that, then I'd like that to be addressed. I am waiting on full debt forgiveness, but still. I had tried to update my name and phone numbers, which I changed legally 2 yrs. ago and didn't realize I had to change it with the Dept. of Ed. and XXXX. How is it MY info, MY money, MY credit and MY acct. and I needed permission to update my legal name change with XXXX so I didn't have to see my former name splashed across emails and their home page for 2 yrs. after changing my name and gender? I don't particularly care for credit monitoring or reporting or anyone butting into my financials. I think it's highly intrusive and wrong. That's not what I'm writing about. I started a XXXX acct. when I moved from XXXX to XXXX XXXXn XXXX and kept it while living in XXXX I moved to XXXX  in late XXXX and since there were no banks in XXXX  for XXXX miles, I closed the acct. to get a local bank. I have no understanding of why me closing my acct. and taking back my money from my credit card acct. of {$1000.00} has me hearing about my acct. with them, esp. still, 4 yrs. later. It's ridiculous and that's MY business. Me closing my acct. had NOTHING to do with my credit report at all. It was a matter of convenience. I chose to open a secured credit card with them to improve my credit while I was paying my debt off in tandem. XXXX had fired me wrongfully for XXXXXXXX XXXXt in XXXX of XXXX because a guy who was jealous of my promotion in pay as a lead driver when I drove semi cross country and he flirted with me and I sent him a photo that he turned in to XXXX and they would not do anything but take it out on me and they treated me like XXXX XXXXXXXX for the entire 10 mths. plus that I worked for them. I fulfilled my contractural obligation to avoid having to pay my tuition and they didn't even sign my contract and then did nothing to warn me of their intentions, just had their atty. firm mail me and say I owe {$6500.00} and then it was on my credit report the entire time with all of my attempts to contact them and them admitting their mistake then doing nothing and ignoring me after that ... until I was added to a class action lawsuit and then they removed it. I am in another one with them that is pending currently. I have no knowledge of this COMENITYCAPITAL/XXXX either, which is new. I did not apply for a single thing. This is not me. The ONLY thing I have done was accidentally being overdraft for something and I took care of that the day after I found out about it. I know my debt and who it is to. This company in all CAPS has nothing to do with me to my knowledge and I am disputing it. I would have done this on XXXX but they seem to have removed that option. I have a XXXX XXXX and XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX and don't need the stress. Pleas help solve this. Thanks! XXXX XXXX

Company response to consumer: Closed with non-monetary relief