Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
In XXXX of the year XXXX I purchased a Laptop computer from XXXX XXXX. I also purchased a warranty with it. That warranty was for XXXX years. When that warranty expired XXXX computers fraudulently restarted the warranty without my permission. It was not a recurring account, they had to have my permission to debit my XXXX account but they decided that they didn't need my permission. They fraudulently charged my account with another XXXX years of that warranty without my permission. They also fraudulently charged me for an XXXX package which I did not authorize. They fraudulently decided that that were going to make me purchase another year of their warranty and some more of their products including a XXXX package which I did not authorize so they, XXXX XXXX just put charges on my account that I did not authorize. 
In XXXX of the year XXXX I was contacted by Comenity Bank concerning that alledged debt. They said that the debt was signed over to them, I responded to them when they called me and I told them that I needed for them to validate the debt before I could pay them. They never validated the alledged debt, that started in the month of XX/XX/XXXX. I asked them to validate the debt several times but they refuse to. Comenity bank started reporting this fake debt on my credit report as a late payment. I asked them to validated the debt because I knew that I didn't enter another debt with XXXX computers. I investigated the matter and I found out that XXXX XXXX had fraudulently added to my account a charge that I didn't authorize them to do so. The situation is that I didn't catch it untill comenity started calling me asking for a payment. I didn't know that they were charging me for anything. They never validated the debt because they couldn't validate it. They Fraudulently added a charge to my account without consulting me about it first. I asked for something with my signature on it showing that I authorized something but I never got it. XXXX computers is defrauding people they are fraudulently charging items on peoples account without their permission on perpose. Most people are not catching it, they are not informed about what XXXX XXXX is doing and therefore XXXX is probably making millions by deception. XXXX computers is commiting fraud against their own customers. After I informed my bank wells fargo they was able to get back some of the payments that XXXX fraudulently charged me for, but they were not able to get back all of the fraudulent payments that were made to XXXX computers. 
XXXX turned the account over to comenity bank and now they have fraudulently charged off the debt and sold the alledged debt to XXXXXXXX XXXX XXXX That fraudulent debt is showing on my credit report as a charge off. I did not authorize this fraud so how can it be on my credit report??? XXXX XXXX is Defrauding people. They are committing fraud and somehow nobody is catching them.

Company response to consumer: Closed with explanation