Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I am submitting this complaint regarding continued inaccurate and harmful credit reporting by Comenity Capital Bank on my XXXX XXXX XXXX credit card account ( ending in XXXX ). 

This complaint concerns new adverse reporting that occurred after my prior CFPB complaints against Comenity Capital Bank were closed, and therefore constitutes fresh evidence of ongoing inaccurate furnishing. 



Background and Prior Complaints I previously filed CFPB complaints against Comenity Capital Bank on : XX/XX/XXXX ( CFPB ID : XXXX closed ) XX/XX/XXXX ( CFPB ID : XXXX closed ) XX/XX/XXXX ( CFPB ID : XXXX closed ) Those complaints addressed inaccurate late payment reporting and balance discrepancies while I was making consistent payments. I also have open CFPB complaints against XXXX  related to this same account, and an open complaint with my State Attorney General. 



New Inaccurate Reporting ( XX/XX/XXXX ) Despite these prior complaints and ongoing disputes, Comenity Capital Bank escalated negative reporting in XX/XX/XXXX, including : 1. Escalating the account from 90 days late to 120 days late 2. Increasing the reported balance 3. Furnishing this escalation to all three credit bureaus ( XXXX XXXX XXXX XXXX ) Specifically : Balance increased from approximately {$1100.00} to {$1200.00} due solely to interest and late fees Account now reported as 120 days past due across all bureaus This escalation occurred while the account was disputed and after prior CFPB complaints I received credit monitoring alerts confirming these changes between XXXX XXXX XXXX 



Why This Reporting Is Inaccurate I made consistent stay payments from XX/XX/XXXX through XX/XX/XXXX, totaling over {$600.00} These payments were accepted by Comenity and applied monthly Despite this, Comenity : Continued to assess late fees and interest Allowed the balance to grow far beyond the original {$350.00} credit limit Escalated delinquency status rather than accurately reflecting payment activity Reporting an account as 120 days past due while simultaneously : Accepting monthly payments Allowing the balance to increase primarily through fees And knowing the account is disputed is misleading, inaccurate, and materially harmful.

Regulatory Concerns Comenity Capital Banks actions raise serious concerns under the Fair Credit Reporting Act ( FCRA ), including : Furnishing information that is inaccurate or misleading Continuing adverse reporting after notice of dispute Failing to reasonably investigate before escalating delinquency Creating artificial balance growth through fees while reporting extreme delinquency This pattern suggests systemic furnishing issues, not an isolated error. 

Attachments I am providing supporting documentation, including : Credit bureau alerts showing escalation to 120 days late Screenshots of balance increases Payment history evidence Prior CFPB complaint references Closing This complaint reflects new, post-complaint harm and should not be treated as duplicative of prior filings. I am requesting CFPB oversight to ensure Comenity Capital Bank complies with its obligations under federal law and stops causing continued damage to my credit profile. 

Thank you for your assistance. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief