Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Dispute Department XXXX XXXX Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXXXXXX XXXX failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items list the specific accounts or items you are disputingl. 
XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX [ Enclosures : Copy of ID, Proof of Address, Supporting Documents XXXX XXXX XXXX XXXXXX/XX/XXXX {$250.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$490.00} XXXX XXXX XX/XX/XXXX {$9100.00} XXXX XXXX XXXXXX/XX/XXXX {$830.00} XXXX XXXX XXXXXX/XX/XXXX {$550.00} XXXX XXXX  XX/XX/XXXX {$280.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX XX/XX/XXXX {$3900.00} XXXX  XX/XX/XXXX {$22.00} XXXX XXXX $ XX/XX/XXXX {$840.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$690.00} XXXX XXXX XXXXXX/XX/XXXX {$1600.00} XXXX XXXX XXXXXX/XX/XXXX {$190.00} XXXX XXXXXXXX {$0.00} XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$280.00}

Company response to consumer: Closed with explanation