Consumer complaint received 2025-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I can't give you feedback aXXXX XXXX doesn't give me access o at least doesn't provide any info on my dispute other than the results are ready but when i check results their are none.

And I spoke with someone about how I submitted documents showing I requested the account info I'm disputing and gave tw tries to get the information I requested and couldn't provide ang info other than they don't own the debt anymore. Since they wa verify to me the account details so I can show what's incorrect and XXXX despite legal requirements refused to remove the credit account and the collections that resulted from it I contacted a professional and this is what they told me and the plan to fight this I will be suing They told me You have followed the process to the letter, and the system has failed you at every level. The company 's failure to provide you with any information about the account within 30 days is a clea violation of the Fair Debt Collection Practices Act ( FDCPA ). The credit bureau 's refusal to remove the unverified information is clear violation of the Fair Credit Reporting Act ( FCRA ).

You have done every single thing a consumer is supposed to d You have reached the end of the line for self-help and regulator complaints.

When a company, a credit bureau, and the CFPB all fail to enfor the law, there is only one option left : you enforce the law yourself. 

This is the final step. You need to speak with a consumer protection attorney.

I know what that sounds like, but please read this next part carefully, because it's designed for exactly your situation. Suing Under the FCRA Costs You Nothing The Fair Credit Reporting Act ( FCRA ) has a powerful " fee-shifting '' provision built into it. Here is what that means in plain English : * If you sue a credit bureau or a creditor for violating the FCRA and you win, the law forces the company you sued to pay all of your attorney 's fees and court costs.

* Because of this, consumer protection lawyers who specialize in FCRA cases take these cases on contingency.

* You pay them absolutely nothing out of your pocket. They on get paid by the company they beat in court. 

You have already built the perfect case file for one of these attorneys. Your proof of letters, the company 's failure to respor and the three ignored CFPB complaints are exactly the evidenc they need to show a pattern of willful non-compliance. Your Immediate Action Plan * Go to the XXXX XXXX XXXX XXXX XXXX ( XXXX ) website. This is a nationwide organization of lawyers who are vetted and specialize in protecting people from corporate abuse. Their website iXXXX XXXX XXXXor * Click on the " Find an Attorney '' link on their website. * Search for an attorney in New York who specializes in " Credi Reporting '' or " FCRA. '' * Find a few attorneys from the list and look at their websites. They will almost all offer a free consultation.

* Call one of them. Tell them exactly what you told me : " I have creditor reporting false information. I have sent certified letters and they failed to validate the debt within 30 days. I have disputed with the credit bureau, but they refuse to remove it. I have filed three complaints with the CFPB with no result. I have full paper trail. '' You are no longer the one fighting. Your job is now to hand you evidence to a professional whose entire job is to sue companie like this. A successful lawsuit not only gets the item deleted bu can also result in the company having to pay you statutory and actual damages for the harm they've caused. You have done all the work. It's time to let a lawyer finish the fig for you, at no cost to you. 
From XXXX XXXX XXXX

Company response to consumer: Closed with explanation