Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Heres a powerful letter you can send to the collection company, using legal language and referencing relevant case law. Its structured to assert your rights, demand action, and provide legal context. Make sure to personalize it with your specific details before sending it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX Subject : Demand for Immediate Removal of Inaccurate Reporting and CFPB Complaint To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a debt that is currently listed on my credit report, which has been damaging my credit and hindering my ability to secure housing for my family. After reviewing the entry, I have determined that you did not provide the proper notifications required by law, nor did you obtain my permission or provide sufficient proof of the debts validity. As a result, I am demanding that you immediately cease reporting this item to the credit bureaus. 

Violation of Fair Debt Collection Practices Act ( FDCPA ) : Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, you are required to send a written notice within five days of first contacting me, detailing the amount of the debt, the name of the creditor, and a statement that I have 30 days to dispute the debt. I have no record of receiving this notice, which constitutes a violation of the FDCPA and renders the debt report invalid. Failure to notify me of this debt within the statutory time period has not only violated my rights but also created an unjustified obstacle in my efforts to improve my credit score.

Violation of Fair Credit Reporting Act ( FCRA ) : Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, debt collectors are prohibited from reporting inaccurate or unverifiable information to the credit bureaus. As you have failed to provide me with the appropriate validation of this debt, and no notice of the debts validity has been received from your agency, I contend that this information is inaccurate and incomplete. Additionally, you are in violation of 1681i because the debt has not been adequately verified as required under the FCRA, which further substantiates my claim that the reporting is incorrect. 

Case Law Supporting My Position : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : The court ruled that creditors and debt XXXX must provide proper notice and validate the debt before reporting it to the credit bureaus. The lack of notice and validation renders the reporting invalid and a violation of my rights under the FCRA and FDCPA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : The court affirmed that any failure to notify the consumer of their right to dispute the debt, as required by the FDCPA, renders the debt unenforceable and any subsequent credit reporting unlawful. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This case reaffirmed that debt collectors must have concrete evidence of the debt and provide adequate documentation of such before reporting to the credit bureaus. Without such proof, the reporting is inaccurate and actionable. 

Action Required : Given these violations, I request the following actions : 1. Immediate cessation of any further reporting of this debt to the credit bureaus. If this debt is reported to any of the three major credit bureaus ( XXXX, XXXX, and XXXX ), I demand that the reporting be permanently removed. 
2. Proof of debt validation to demonstrate that I owe this debt, including an itemized statement of the debt and any documentation that verifies its validity. 

Failure to cease reporting this debt and provide the requested validation will compel me to escalate the matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action to enforce my rights under the FDCPA and FCRA. This letter serves as a formal notice that I expect immediate compliance with the law. 

Please provide a written response within 15 days of receipt of this letter to confirm that you will remove this inaccurate reporting and provide the necessary documentation. If you do not respond within this timeframe, I will take further action, including filing a complaint with the CFPB and considering legal remedies for violation of my consumer rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX Notes for Personalization : Replace placeholders with your specific information. 
If you have any documentation ( e.g., credit report details, communication with the debt collector ), include them when sending this letter. 
Send via certified mail or another traceable method to ensure

Company response to consumer: Closed with explanation