Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I requested information from Victoria secret, validation of debt and cease and desist. I have not received anything by mail, I have not received an explanation or anything and I requested the information on XXXX/XXXX/XXXX. When I had called I was told to contact XXXX XXXX  because thats who sold the debt too. so I requested validation of debt and never received anything they removed the XXXX XXXX  account from my credit report as requested HOWEVER I did not get the proper validation letter for the XXXX XXXX debt in general outside of the complaint I did with comenity. I then reached out to comenity on Friday and wanted to speak with someone in regards to the two accounts reporting. One account was XXXX which was an account that was reported on my credit report. Then it was another account opened same day but a different account number- XXXX. The representative told me that the account numbers are the same because when Victoria secret updated their cards with chip they changed the account number and stated that it was inaccurate so they removed the old account XXXX from my credit, The complaint comes in where she went over the account and I stated that I did not open his account because round the open date I was In XXXX. The account was opened in XX/XX/XXXX I was in XXXX  and did not move down to XXXX  until about XXXX of XXXX, When I had advised her of that she stated it would be fraud. Now due to the fact that I stayed at the address for three days prior to me moving to the address I informed her believe I know who did it however I was unsure of who it was I jus know I DID not open that account, and I provided my information and my time from around when account was opened and she informed me payments were made and I informed her there no way I opened and used this card in XXXX  if I was in XXXX  the whole entire time, I provided my XXXX  id which I have because stayed in XXXX  for almost 5 years since. I did not open this account at all. I have a ftc report and more and this needs to be removed from my credit report. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 days! This account does not belong to me and I sent he information in along with my id and its still on my report. Below I will attach my etc report and validation debt letter I sent it in to XXXX for Victoria secret and received nothing back for validation. Will also attach the below response of them stating they are reporting correctly when they are not and that they will cease and desist but they are still reporting to my credit which is a form of communication. Needs to be removed immediatelycommunicaiton

Company response to consumer: Closed with non-monetary relief