Consumer complaint received 2025-09-14 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: CA

Complaint narrative:
Comenity Capital Bank FCRA 623 ( a ) ( 8 ) Direct Dispute & DOFD Request Date : XX/XX/XXXX Via Certified Mail, RRR To : Comenity Capital Bank Credit Reporting/Disputes XXXX XXXX XXXX XXXX, OH XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : ( XXXX ) XXXX XXXX : XX/XX/XXXX Last 4 SSN : XXXX Subject : Direct Dispute under FCRA 623 ( a ) ( 8 ) Former Comenity Capital Bank account sold to XXXX XXXX XXXX ( XXXX Acct XXXX ) To Whom It May Concern : I am filing a direct dispute pursuant to FCRA 623 ( a ) ( 8 ) regarding information furnished ( or previously furnished ) by Comenity Capital Bank to consumer reporting agencies relating to a former Comenity Capital Bank account that was sold/assigned to XXXX XXXX XXXX ( XXXX Acct XXXX ). Under FCRA 623 ( b ), Comenity must conduct a reasonable investigation, correct or delete any inaccurate or unverifiable information, and report the results to each CRA to which it furnished the information. 

Disputed items/ requested corrections ( XXXX XXXX focus ) : DOFD ( FCRA 623 ( a ) ( 5 ) ) Provide and furnish the Date of First Delinquency associated with this account as received from your internal records. The DOFD controls obsolescence under FCRA 605 ( a ) / ( c ) and must be accurate on any OC tradeline and any successor collectors tradeline.

Sold/Transferred status & {$0.00} balance If this account was sold, any Comenity Capital Bank tradeline must reflect {$0.00} balance, {$0.00} past-due, and sold/ transferred ( or equivalent ) without adding new delinquency codes after the sale/closure date.

No duplicate balance Confirm there is no duplicative collectible balance being reported by Comenity and XXXX simultaneously. 

Amount/itemization at sale Please confirm the charge-off balance at sale and correct any amounts furnished to CRAs that are inconsistent with your records. 

Action requested : If Comenity no longer furnishes this account, please confirm in writing and ensure any legacy OC tradeline in your name reflects accurate DOFD, {$0.00} balance, proper sold/ transferred narrative, and no post-sale lates.

If Comenity does furnish or has furnished this item, please correct the above fields across all CRAs or delete the tradeline if any disputed field can not be substantiated.

Provide written results of your investigation and confirmation of updates sent to the CRAs as required by FCRA 623 ( b ). If you deem this dispute frivolous or irrelevant, please notify me within 5 business days with the specific reason and what information you require to investigate ( FCRA 623 ( a ) ( 8 ) ( F ) ).

Identifiers to locate the account : Consumer info above ; Reference : XXXX XXXX XXXX account XXXX ( reported as originating with Comenity Capital Bank ) ; Date ranges in my file reflect activity around XXXX. 

Enclosures : Copy of government ID ; proof of address ; highlighted credit report pages referencing the XXXXComenity item. 

Please respond in writing to the address above. 

Sincerely, XXXX XXXX XXXX ( Sign )

Company response to consumer: Closed with non-monetary relief