Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
Demand for Chain of Assignment and Account-Level Documentation Under FCRA XXXX XXXX XXXX XXXX Dear Sir or Madam, I am writing to formally request the chain of assignment and all account-level documentation pertaining to the above-referenced account, which XXXX - XXXX XXXX is currently reporting on my credit file. This request is being made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) and 1681g ( a ) ( 1 ), which entitle consumers to the documentation supporting reported accounts, especially where accuracy is disputed. 

The FCRA imposes a strict duty on furnishers such as XXXX to ensure that any information reported to consumer reporting agencies ( CRAs ) is accurate, complete, and verifiable. See 15 U.S.C. 1681s-2 ( b ) ; see also XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ), which confirms that furnishers must investigate and verify the information upon receiving a dispute. 

Additionally, 15 U.S.C. 1681g ( a ) ( 1 ) entitles me to all information in the consumers file, including the sources of the information, which includes the chain of assignment and all documentation demonstrating your authority to collect and report this account. 

To Date, I Have Not Received the Following Documentation : The chain of assignment from the original creditor to XXXX ; The original account agreement or contract bearing my signature ; A complete payment history or account ledger ; Any notices of assignment as required under law. 

Absent this documentation, I can not verify whether XXXX is legally authorized to report this account, nor whether the information being reported is accurate. 

Demand for Documentation Within 30 days of receiving this letter, please provide : The complete chain of assignment, including all relevant bills of sale and assignment agreements ; The original signed account agreement ; A detailed account statement showing all charges, credits, payments, and fees ; Copies of any and all notices of assignment issued to me ; Any other supporting documentation that substantiates the reported balance of {$0.00} and the last payment date of XX/XX/XXXX. 

Failure to Comply Failure to comply with this request may constitute a violation of the FCRA, exposing your company to : Actual damages, Statutory damages of up to {$1000.00} per violation, Punitive damages, and Attorneys fees and costs as provided under 15 U.S.C. 1681n and 1681o.

Continued reporting of unverifiable or inaccurate information may also violate the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits the use of false or misleading representations. See XXXX XXXX XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). 

Preservation of Evidence You are hereby directed to preserve all evidence, including electronic data, internal communications, and records related to this account. D

estruction or alteration of such materials may result in spoliation sanctions. Response Instructions Please send all responsive documentation and correspondence t
o the address listed above. Should you fail to comply, I am prepared to take appropriate legal action to enforce my rights under federal law.

Govern yourselves accordingly.

Company response to consumer: Closed with non-monetary relief