Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Hello I am Filings Two Disputes. One with XXXX XXXX and Comenity Bank through Victoria Secret. 

I am writing to file a complaint against XXXX, a company that provided me with a credit product. XXXX charged off my credit card account, but I never received a 1099-C form for the charge-off. This form is something I am legally entitled to and should have been provided to me. I requested a copy of this form from XXXX, but they have been unable to provide me with it. 
As a result, I am requesting that the charge-off be immediately removed from my credit report, as this has caused significant harm to my credit and has resulted in statutory damages. The failure to provide me with the required 1099-Chas further impacted my ability to address this issue appropriately. 
I would appreciate it if the CFPB could intervene and assist me in resolving this matter. Please let me know what further documentation or steps are needed on my part. 

Also, I am submitting this complaint regarding an unresolved issue with a credit line associated with Victoria 's Secret, which was opened in 2019. Despite my best efforts to resolve this matter, it continues to negatively impact my credit report, and I believe that I am being unfairly penalized due to non-compliance and liability issues. 
I have disputed this account multiple times with both the credit reporting agencies and the creditor, yet the negative information remains unresolved. My dispute has not been handled properly, and I believe the credit reporting agencies, in collaboration with the creditor, have violated regulations governing the dispute process under the Fair Credit Reporting Act ( FCRA ). Specifically : 1. Failure to Investigate : I submitted disputes regarding the accuracy of this account, but the creditor and/or the credit bureaus failed to conduct a reasonable investigation, or they failed to properly verify the information as required by law. 
2. Non-Compliance with FCRA : The creditor, Victorias Secret, and/or the credit reporting agencies have not responded or provided adequate documentation in response to my dispute within the required time frame as outlined by the FCRA. The negative information remains on my credit report, causing significant harm to my credit score and financial well-being. 
XXXX. Liability Issues : I have reason to believe that this account was either opened fraudulently or has inaccurate details regarding my responsibility for the debt. Despite my disputes, there has been no resolution or validation of the accounts accuracy or my liability for it. 
Impact on Credit and Financial Health : The continued presence of this account on my credit report is severely impacting my ability to secure new credit, loans, and other financial opportunities. My credit score has been negatively affected due to what I believe is inaccurate or improperly handled information. This has resulted in tangible financial harm, including increased interest rates, denial of credit applications, and general financial distress. 
Requested Resolution : I am requesting the immediate removal of this account from my credit report, or a thorough and transparent investigation of the account 's validity, including the provision of supporting documentation that validates my responsibility for the debt. 
I believe that the actions ( or lack thereof ) taken by Victorias Secret and the credit reporting agencies have been unfair and in violation of the law. Therefore, I am asking for your assistance in ensuring compliance with the Fair Credit Reporting Act ( FCRA ) and seeking a resolution to remove the negative mark from my credit report. 
Thank you for your attention to this matter. I look forward to a prompt and fair resolution.

Company response to consumer: Closed with explanation