Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
CFPB COMPLAINT WILLFUL FCRA VIOLATIONS : COMENITY BANK & CREDIT REPORTING AGENCIES Complainant : XXXX XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX I. Parties XXXX. XXXX : Comenity Bank ( including accounts XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ). 
2. Credit Reporting Agencies ( CRAs ) : XXXX XXXX XXXX XXXX

II. Summary of Complaint Since XX/XX/XXXX, I have repeatedly disputed inaccurate and unverified Comenity Bank accounts with all three CRAs. Comenity and the CRAs have willfully failed to : Conduct a reasonable reinvestigation. 
Delete unverified information. 
Accurately report account histories. 
Instead, these accounts remain on my credit reports nearly two years later, despite multiple disputes, evidence submissions, and deletion requests. In several responses, the furnisher and CRAs labeled my disputes invalid without providing the required verification or deletion under 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ).

XXXX. Procedural History & Documentation XX/XX/XXXXXXXX  : First formal dispute submitted to CRAs ; XXXX failed to verify. 
Late XXXX XXXX  : Additional disputes filed through my then-legal representation, XXXX XXXX XXXX XXXX and directly with CRAs. 
Throughout XXXX : All CRAs received deletion requests. Instead of deletion, they marked the accounts dispute resolved without providing evidence. 
XX/XX/XXXX XXXX : Accounts were re-aged and in some cases sold or reassigned without verification, in violation of 1681c ( a ) and 1692e ( FDCPA ). 
XXXX : Accounts remain inaccurately reported across all three CRAs, damaging my creditworthiness and creating an ongoing risk of resale or further collection. 

IV. Violations 1. Failure to Conduct Reasonable Reinvestigation 15 U.S.C. 1681i ( a ).

2. Failure to Delete Inaccurate/Unverifiable Information 1681i ( a ) ( 5 ) ( A ).

3. Failure to Notify of Results and Provide Documentation 1681i ( a ) ( 6 ) ( B ) ( iii ).

4. Willful Non-Compliance 1681n ( entitling me to statutory and punitive damages ).

5. Negligent Non-Compliance 1681o ( actual damages ).

6. Re-Aging of Accounts 1681c ( a ).

7. Reporting After Notice of Dispute Without Notation 1681s-2 ( a ) ( 3 ).

8. Failure to Correct After Notice from CRAs 1681s-2 ( b ).

9. False Representation of Credit Status FDCPA 1692e ( 8 ). 

V. Damages Calculation ( Willful Violations ) 3 Accounts 3 CRAs 23 Months $ XXXX = {$200000.00}. 
Additional actual damages include : o Credit denials for home repairs and necessary purchases. 
o Higher interest rates on existing obligations.

o Emotional distress, reputational harm, and loss of opportunity. 

Final Demand Comenity and CRAs have 15 calendar days from receipt to : 1. Permanently delete all listed Comenity Bank accounts from my credit reports at XXXX XXXX, and XXXX.

2. Cease all future reporting on these accounts.

3. Provide written confirmation of deletion.

Failure to comply will result in : Immediate filing of suit in U.S. District Court. 
Complaints to OCC, FTC, and State Attorneys General.

Use of these violations as evidence in ongoing litigation against other furnishers. 


VII. Closing This matter reflects a pattern of willful non-compliance with the FCRA and related laws. The CRAs complicity in retaining unverifiable accounts despite repeated notice magnifies the harm. I request the CFPB to intervene, compel deletion, and initiate enforcement action. I will also be sending the complaint copy to the OCC with the evidence of ongoing harm if unresolved in 15 days.

Company response to consumer: Closed with explanation