Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
COMENITY CAPITALXXXX  acct # XXXX is inaccurately / inconsistently reporting data on my consumer reports. This is negatively impacting my credit scores, let alone my character, and causing loss of ability to secure a mortgage with my fianc. I want these damages to END!!! 

Inaccurate/inconsistent on XXXX and XXXX and XXXX. 
The statuses on all 3 reports do not align. The account was closed ( NOT CANCELED ), and was paid AS AGREED UPON.

The balance update dates are inconsistent on all 3 agency reportings.

Further, the payment histories are collectively misrepresented in their reporting, and also negatively impacting my credit scores, let alone my character, and causing loss of ability to secure a mortgage with my fianc. The account is CLOSED therefore NOTHING is late WHATSOEVER.

I have attached screen shots of all the discrepancies, circled.

15 USC 1681e states : ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681i states : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 USC 1681n states : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

PLEASE UPDATE ALL STATUSES TO PAID AS AGREED AND CLOSED. 
PLEASE *** DELETE *** PAYMENT HISTORIES.

Company response to consumer: Closed with non-monetary relief