Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I am submitting this formal rebuttal in response to Comenity Bank and Comenity Capital Banks correspondence regarding the XXXX Credit Card account and XXXX XXXX XXXX Credit Card account. After reviewing your response, I must clearly state that your position is incomplete, legally insufficient, and fails to address the core issuethat these accounts do not belong to me and are the result of identity theft. Your response states that you have verified the accounts and will continue reporting them. However, you have failed to provide any documentation proving that I am the lawful owner of these accounts. Instead, you rely on a generalized claim of verification without supporting evidence. As stated in your letter, you claim : weve verified that were reporting the account correctly to the credit reporting agencies and similarly : we decline your request to remove our reporting because weve verified that were reporting the account correctly These statements are not sufficient under federal law. 1. Failure to Provide Proof of Ownership At no point in your response have you provided : A signed contract bearing my signature The original application used to open the account Any identity verification used at the time of account opening Any documentation linking me directly to the account Without this, your claim of verification is meaningless. Under the Fair Credit Reporting Act ( FCRA ), verification requires actual evidencenot internal assumptions or automated confirmations. If you can not produce a signed agreement or equivalent proof, then you can not lawfully claim that this account belongs to me. 2. Improper Reliance on Verification Without Documentation Your response repeatedly states that the account has been verified, yet you fail to disclose : The method of verification used The system or data source relied upon Whether verification was conducted electronically ( e-Oscar ) or manually The documentation reviewed Under FCRA 611 ( a ) ( 6 ), I am entitled to the Method of Verification. A generic statement of verification does not meet this requirement. 3. Identity Theft Has Not Been Addressed You completely failed to address the most important aspect of this case : This is an identity theft claim I have clearly stated that : I do not own these accounts I did not open or authorize these accounts I filed an FTC Identity Theft Report Under FCRA 605B, once identity theft is reported, you are required to : Block the reporting of fraudulent accounts Remove them from my credit file Instead, you ignored this obligation and continued reporting. This is a direct violation of federal law. 4. Improper Deflection to XXXX XXXX XXXX XXXX response instructs me to contact XXXX XXXX XXXX : please contact XXXX XXXX XXXX for documents This is unacceptable. You are the original creditor. You : Issued the account Created the account records Reported the account to credit bureaus You can not shift your legal responsibility to a third-party collector. If you can not validate the account yourself, then you should not be reporting it. 5. Disputed Status Is NOT a Resolution You state that you have notified credit bureaus that the account is disputed. This is not a resolution. Marking an account as disputed : Does not remove the account Does not correct inaccuracies Does not prevent credit damage It simply acknowledges disagreement while continuing harm. This does not meet FCRA requirements. 6. Updating Account Numbers Does Not Address the Issue You stated that you requested Equifax to update the account number : we requested Equifax update your account number This is irrelevant. The issue is not the formatting of the account number. The issue is that the account does not belong to me. Updating account details does not resolve identity theft. 7. Legal Violations and Non-Compliance Your actions violate multiple provisions of federal law, including : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy. FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation. FCRA 1681s-2 ( b ) Failure to properly investigate a disputed account. FCRA 605B Failure to block identity theft accounts. 8. My Position ( Clear and Final ) Let me be absolutely clear : I do not own any Comenity Bank accounts I do not own any Comenity Capital Bank accounts I did not authorize any XXXX or XXXX accounts These accounts are fraudulent Your inability to provide documentation confirms this. 9. Formal Demand for Resolution I am demanding the following actions immediately : 1. Full Deletion of All Comenity Accounts Remove all Comenity Bank and Comenity Capital Bank tradelines from all credit bureaus. 2. Removal of All Derogatory Information Delete all associated : Late payments Charge-offs Negative remarks 3. Written Confirmation Provide written confirmation of : Deletion Date of removal Notification to all credit bureaus 4. Method of Verification Provide full disclosure of : How the account was verified What documentation was used XXXX. Proof of Ownership ( If You Continue to Claim Validity ) Provide : Signed contract Application Identity verification records If you can not provide this, the account must be deleted. 10. Notice of Escalation If this matter is not resolved, I will pursue further action, including : Additional CFPB complaints Complaints with the Federal Trade Commission State Attorney General complaint Legal action for FCRA violations 11. Final Statement Your response fails to meet the legal standard required under federal law. You have not provided proof. You have not addressed identity theft. You have not complied with FCRA requirements. A dispute notation is not a resolution. A referral to XXXX is not a resolution. A claim of verification without evidence is not a resolution. The only acceptable resolution is : Full deletion of the fraudulent accounts from my credit report Until that happens, this matter remains unresolved.

Company response to consumer: Closed with explanation