Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
My name is XXXX XXXX. I have XXXX accounts being reported by COMENITY BANK aka BREAD FINANCIAL which is identity theft!. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

COMENITY BANK aka BREAD FINANCIAL is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : IN ACCORDANCE WITH THE WRITTEN INSTRUCTION OF THE CONSUMER TO WHOM IT RELATES ''!! COMENITY BANK aka BREAD FINANCIAL the financial institution does not have my permission to furnish any information about me and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish THIS information and they surely do not have my written consent. Any and All consent COMENITY BANK aka BREAD FINANCIAL XXXX XXXX and XXXX file number XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. COMENITY BANK aka BREAD FINANCIAL Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which ISSUE Improper use of your report This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 
XXXX, XXXX AND XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. 
" I am opting out of any and all reporting by COMENITY BANK aka BREAD FINANCIAL I am again revoking any permissions given verbal, non verbal, written, unwritten, implied or otherwise. This is now Identity theft! According to 12 CFR 1022.3 Definitions : " identity theft means a fraud committed or attempted by using the identifying information of another person without authority. '' ... .and COMENITY BANK aka BREAD FINANCIAL most certainly do not have my authority.

Company response to consumer: Closed with explanation