Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
Subject : Formal Dispute to Remove Negative Items and Late Payments from My Credit Report To Whom It May Concern : I am writing to formally dispute the accuracy of certain negative items and late payments reported on my credit report. I am requesting a thorough investigation and removal of these items pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681o ) and the Truth in Lending Act ( 15 U.S.C. 1666 ).

Issues Identified on My Credit Report 1. Negative Items and Late Payments o Certain late payments and negative remarks have been reported on my credit account by [ Creditors Name ( s ) ]. I believe these entries are inaccurate and/or incomplete. As a consumer, I am entitled to accurate and fully verified information.

Legal Grounds for My Dispute 1. Violation of 15 U.S.C. 1681o ( Civil Liability for Noncompliance ) o Under this provision, furnishers of information and credit reporting agencies are responsible for ensuring the accuracy and completeness of information they report. Any failure to investigate disputed items or continued reporting of inaccurate information is a violation of my rights.

2. Violation of 15 U.S.C. 1666 ( Timely Posting of Payments ) o The Truth in Lending Act mandates that payments must be credited to an account promptly upon receipt. Late payment entries may have resulted from improper crediting of my payments, an issue that must be corrected. 
Requested Actions XXXX. Remove all negative items and late payments associated with the accounts listed below from my credit report : o Account Name : XXXX o Account Number : XXXX o Date of Disputed Entries : XX/XX/XXXX, and XXXX of XX/XX/XXXX disputes were entered. 
XXXX. 
o Account Name : XXXX XXXX XXXX Account Number : XXXX o Date of Disputed Entries : : XX/XX/XXXX and XXXX of XX/XX/XXXX disputes were entered. 
XXXX. 
o Account Name : XXXX XXXX XXXX o Account Number : XXXX o Date of Disputed Entries : XX/XX/XXXX, and XXXX of XX/XX/XXXX disputes were entered. The inaccuracy of late payments Late payments were recorded from XX/XX/XXXX to XX/XX/XXXX. 
XXXX. Provide written confirmation that these negative items have been removed or corrected. 
Supporting Evidence I have attached the following documentation to support my dispute : Copies of my credit report showing the disputed items Payment receipts or account statements demonstrating timely payments Any correspondence with the creditor regarding these accounts Request for Investigation Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and respond within 30 days. Please conduct a thorough review of these items and verify their accuracy with the furnishers of information. 
Failure to comply with these federal laws may result in legal action, and I reserve my right to seek damages under 15 U.S.C. 1681o for violations of the FCRA.

Please provide written confirmation of your investigation and any resulting changes to my credit report. You may contact me directly via the information provided above if you require further clarification or additional documentation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation