Consumer complaint received 2025-01-15 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: GA

Complaint narrative:
Subject : Formal Request for Validation of Debt and Related Legal Authority ( DATA BREACH ) Dear XXXX, I am writing to formally request information and documentation related to an alleged, account or debt you have reported or are attempting to collect. This letter is issued, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other applicable federal laws. 
1. Authority to Collect Under FDCPA Please provide validation of your authority to collect this alleged debt, including but not limited to : Documentation showing your legal right to collect this debt.

Evidence that you are the owner of the debt or documentation of your authority as an agent to collect on behalf of the owner.

2. Authority to Report Under FCRA I request written evidence of your legal authority to report this alleged debt to credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). Specifically, provide : A detailed explanation of how this reporting complies with FCRA requirements.

Documentation that verifies the accuracy of the information reported to credit bureaus.

3. Promissory Note and Securities Compliance If there is a promissory note related to this account, and its maturity date is beyond nine months, I request that you provide documentation supporting your authority to possess or be in possession of what may be considered an unregistered security. This request is made pursuant to any applicable federal laws, including but not limited to regulations enforced by the Federal Communications Commission ( FCC ), the Internal Revenue Service ( IRS ), or any other federal authority.

4. Securitization and TILA Compliance If this account has been securitized, I request, under the Truth in Lending Act ( TILA ), that you provide the following : All documents, including pooling and servicing agreements, related to the securitization of my account.

Any related filings with the Securities and Exchange Commission ( SEC ).

Documentation evidencing compliance with all applicable TILA provisions regarding disclosure and transfer of the account.Please note that this is a formal request for validation and verification. Until all requested information and documentation is provided, I dispute the validity of this debt and any related reporting. Any failure to comply with these requests will be considered a violation of applicable federal law.

You should ALREADY HAVE, if you're the Secure Party Creditor in the contract. It took longer the last time and I didn't receive ALL DOCUMENTS. 
I expect a response within the legally 15 DAYS mandated time frame. Failure to provide the requested information will result in further legal action to enforce my rights under federal law. 

Thank you for your prompt attention to this matter. I look forward to your detailed and documented response. 
Kind regards

Company response to consumer: Closed with non-monetary relief