Consumer complaint received 2025-09-10 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:
Comenity Capital Bank ( CCB ) / XXXX XXXX  has failed to disclose material facts about the consumer accounts for XXXX  XXXX and XXXX XXXX XXXX being reported to my consumer credit report. It is likely these practices are engaged for charged-off accounts. 

XXXX XXXX XXXX has not provided me ( the consumer ) with a XXXX related to the charge-offs. Furthermore, following XX/XX/XXXX charge-off, XXXX XXXX XXXX in a post charge-off sale transaction with debt collector XXXX XXXX XXXX. This action is a direct violation of XXXX XXXX which prohibits any collection of monetary compensation once a debt is charged off. To do so constitutes unjust enrichment. The written off debt is considered XXXX reported amounts are considered income, ineligible for credit reporting. XXXX XXXX XXXX selling account information it no longer owns under charge-off ( bad debt write-off with the Internal Revenue Service ) XXXX XXXX XXXX & unjust enrichment plainly. 

Comenity Capital Bank XXXX XXXX XXXX provided false statements in addressing the CFPB complaint XXXX filed XX/XX/XXXX. They are indeed known to XXXX XXXX XXXX and engage in business with the debt collector for the purchase of post charge-off accounts ( point of contact consumer support associate signed in attached XXXX documents XXXX. ). XXXX XXXX XXXX did not respond within the CFPB portal, instead sent correspondence via XXXX mail. This places the documents under the jurisdiction of the Postmaster. The seemingly coordinated, disjoint communications appear to strategically attempt to protect Comenity Capital Bank and XXXX XXXX XXXX practices which violate XXXX, XXXX and FCRA laws through concealment. Comenity Capital Bank 's statements are carefully crafted to side step compliance and avoid implication in financial crimes / incrimination in conjunction with illegal debt collection activity. 

( XXXX ) Comenity Capital Bank flagrantly violates XXXX XXXX, and FCRA XXXX XXXX. XXXX, XXXX XXXX. XXXX governing law. Comenity Capital Bank XXXX XXXX Bank is hereby an accessory to unjust enrichment and identity theft. XXXX XXXX stipulates instructions regarding Holder in XXXX XXXX XXXX - If the original lender no longer holds the note, they have no legal standing to enforce the debt or report it. 

( XXXX ) XXXX XXXX - Right to demand full accounting - grants consumers the right to request an audit and accounting of all transactions. The actions of XXXX / CB are less than satisfactory in upholding the federal regulations set forth by XXXX to protect consumers and undermines the XXXX XXXX XXXX XXXX XXXX. XXXX - inaccuracies directly impair the efficiency of the banking system, undermine the public confidence which is essential to the continued functioning of the banking system which is dependent upon fair and accurate credit reporting. 


Attached is a screenshot of Comenity Capital Bank XXXX XXXX XXXX CFPB response Attached XXXX XXXX XXXX statements regarding procurement of post charge-off debts ( communications dated XX/XX/XXXX ) and received via XXXX Mail XXXX

Company response to consumer: Closed with explanation