Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am disputing an account reported by XXXX XXXX XXXX and XXXX ( Commenity XX/XX/XXXXXXXX  ) , Account # XXXX, because it contains inaccurate and unverifiable information. This account relates to goods that were never delivered, and the creditor has refused to provide proof of shipment or delivery for the items they continue to report as owed. I have already paid for all of the items that were delivered to me, as well as additional payments toward the undelivered items. I stopped making payments only after more than a year had passed without receiving the remaining items, an adjusted invoice reflecting items not received or any proof of shipment/delivery, and after repeated attempts to resolve the matter with both the original merchant ( XXXX XXXX  ) and Commenity Bank XXXX 

I previously disputed this account with Transunion. The bureau responded that the account was verified but did not provide the evidence I specifically requested, such as proof of shipment/delivery for the disputed items. This omission leads me to question the methods used to verify the account. 

As a result, on XX/XX/XXXX, I sent a follow-up Method of Verification request via XX/XX/XXXXMail, tracking numbers ; Transunion- XXXX XXXX Experian - XXXX, Equifax - XXXX asking the bureaus to provide a detailed description of their verification process and any documentation they received from the furnisher or collection agency. As of the date of this complaint, XXXX tracking shows this letter is still in transit. 

My original written dispute was sent via XXXX Mail, tracking numbers ; TransUnion XXXX, Experian - XXXX, EquiFax - XXXX and were delivered according to XXXX records. Despite this, I have not received any documentation from the bureaus verifying the validity of the charges in question. 

I sent a written debt validation request via XXXX Mail # XXXX to XXXX on XX/XX/XXXX. They received it on XX/XX/XXXX, but their only response was a billing statement. They have failed to provide proof of shipment or delivery for the disputed items and have not provided a properly adjusted bill reflecting only what was delivered and paid for. 

I have exhausted all of my options in resolving this erroneous reporting. Including, now XXXX attempts to resolve this through disputes with the credit bureaus, but I have been unable to obtain verification or documentation from them that supports the validity of the reported charges. The account continues to be reported with derogatory marks despite the lack of proof. 

This is a violation of the Fair Debt Collection Practices Act, XXXX U.S.C. XXXX ( XXXX ) and XXXX ( b ), as they continue to report and attempt to collect on a disputed debt without providing adequate validation. I am requesting that the CFPB require XXXX to provide proof of shipment/delivery for the disputed items or cease all collection activity and remove the account from all credit reports.

Company response to consumer: Closed with non-monetary relief