Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
LEGAL NOTICE TO CEASE AND DESIST OF DEFAMATION, SLANDER, COLLUSION AND REPORTING TO CONSUMER DATA AGENCIES WITHOUT CONSENT IDENTITY THEFT HARRASSMENT, HARM AND INTENT TO SUE FOR STATUTORY DAMAGES DELETE IMMEDIATELY XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TO SUE UNAUTHORIZED BONDS , SECRET CONTRACTS , DOUBLE RECOVERY, INSURANCE FRAUD , SECURITIES FRAUD , FIDUCIARY DUTIES, ACCOUNT FORWARD FLOW AGREEMENTS, CHAIN OF ASSIGNMENT USC 1666B BILLING ERROR ALSO SEND THE BONDS INFORMATION AND THE HIGHEST BIDDER ACCOUNTS, RECEIVABLE ACCOUNTS PAYABLE ( AR ) ( AP ) FULL DISCLOSURE PRINCIPLE, REVENUE RECOGNITION PRINCIPLE, INVESTORS DOCUMENTS CERTIFIED COPY OF PROMISSORY NOTE FRONT AND BACK NAMES OF INVESTORS OF THE PROMISSORY NOTE, WRITTEN LETTER I GAVE TO SELL MY NON-PERSONAL INORMATION PLEASE DONT MAKE ME SUBPOENA YOUR RECORDS! ACCOUNT # # XXXX DEAR DEFENDANT : Comenity BankXXXX XXXX IVE RECENTLY REVIEWED MY XXXX XXXX XXXX XXXX XXXX REPORTS IVE NOTICE THAT YOU HAVE AND [ GAAP ] FINANCING TRUST/BOND ACCOUNT/REMARK AS A CHARGE OFF WRITTEN OFF or PROFIT LOSS FOR ACCOUNT # XXXX AFTER FURTHER CONVERSATION WITH MY IRS AGENT / AGENCY IN XXXX XXXX XXXX XXXX XXXXXXXX TREASURY XXXX I WAS ADVISE THAT I REQUEST A COPY OF THE 1099 C & BILLING ERROR OF BEING LATE FROM : acct # XXXX SO, I AM REQUESTING A COPY OF XXXX C THAT YOU SENT TO MY PERSON ESTATE/ACCT : XXXX XXXX XXXX XXXX AND TO THE IRS MATCHING THE SAME DATE THAT YOU GAVE/SOLD MY PRIVATE PERSONAL INFORMATION WITHOUT MY WRITTEN CONSENT Also please send CERTIFIED RETURN RECEIPT WITH MY Human Wet Signature THAT IVE RECEIVED IT. OR I WILL SUE AND FILE [ IRS FORM 211 WHISTLE BLOWER AWARD ]. DELETE/PURGE THIS ACCOUNT FROM MY CONSUMER REPORT YOUR COMPANY NAME IS SPLATTERED ALL OVER MY CONSUMER REPORT CAUSING ME HARM AND STRESS HIGH INTEREST DID I SAY HARM IM SO DISTRAUGHT BACKLOG YEARS OF A FINANCIAL BURDEN YOUR COMPANY DONE TO MY FAMILY AND THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) AS WELL. THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. IF YOU CANT FURNISHED THE ABOVE REQUESTED INFORMATION DELETE THIS ACCOUNT IMMEDIATELY. 3DAY RULE SINCERELY, AFFIANT : XXXX XXXX XXXX Living woman, Im far from being dead XXXX XXXX XXXX XXXX XXXXXXXX Beneficiary OF ACCT XXXX XXXX XXXX not the TRUSTEE UCC1-308 ALL RIGHTS RESERVE WITHOUT PREJUDICE WITHOUT RECOURSE ALL DEBTS ARE OF THE UNITED STATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CLAIM STOP PLAYING WITH MY PERSON YOU RULE BREAKER THIEF.

Company response to consumer: Closed with explanation