Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To : Comenity Bank/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Ohio XXXX Subject : Formal Dispute, Validation, and FCRA Compliance Request Dear Sir/Madam, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related consumer protection laws to dispute a debt reported on my credit file. I demand immediate attention to accurate reporting and full validation of all items associated with the following account ( s ) : Account Details Debtor/Original Creditor : XXXX XXXX or the applicable original creditor on file ) Account Number ( as reported ) : XXXX Current Reporting Entity : Comenity BankXXXX  ( the debt reporting party ) Debts at Issue : Two separate debts with different amounts, due to alleged late payments or balance discrepancies Address of Reporting Entity : Comenity Bank/XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Dispute and Validation Requests ( Mandatory under 15 U.S.C. 1681i ( a ) ( 6 ) and the FCRA ) Please provide complete validation of the debt ( s ) with the following items and within the timeframes required by law : 1 ) The original, executed contract or agreement between myself and the original creditor related to each disputed debt.

2 ) All documents establishing the chain of title, including assignments or transfer of the debt, particularly if securitized and sold to a trust or similar entity. 
3 ) The specific trust agreement, pooling and servicing agreement, or similar documentation that validates securitization and the authority of the current owner or servicer to collect and report on the debt.


4 ) Proof that the current debt owner or servicer has legal authority to report and collect on the debt, including any governing corporate authorizations.

5 ) Documentation confirming the date the debt was written off or settled, including the year and date of cancellation, and the amount reported as written off on the companys tax filings ( including any 1099-C issuance ).

6 ) Copies of all trust documents, pooling and servicing agreements, and sale agreements related to the debt, if applicable.

7 ) Evidence of the transfer or sale of the debt to the current owner, especially if securitized.

8 ) Proof that the trust or entity holding the debt has the authority to report and collect, and any relevant notices of authority.

9 ) Copies of any 1099-C forms issued related to this debt ( including year, date of cancellation, and amount reported as canceled ).

10 ) A complete copy of the Account Data Base ( ACDB ) record or any internal reporting record used to report this account to credit bureaus, including all data fields, codes, and references. 

Additional Verification & Compliance Details 11 ) Furnisher name and license information ( if applicable in Texas or applicable jurisdiction ).

12 ) Proof of authority to report ( authorization from the original creditor or appropriate legal entity ).

13 ) Proof that the account was not re-aged, reassigned, or reincurred to a more favorable status.

14 ) Assignment and ownership documents if securitized ( including trust name, PSA/Pooling and Servicing Agreement, and UCC-1 filings ).

15 ) IRS notices or correspondence related to the debt, including any cancellation notices or 1099-C reporting.

Audit Trail & Verification Method 16 ) The method of verification used to validate the debt and the tradeline, including steps taken, personnel involved, and supporting documentation ( e.g., audit logs, examiner notes, verification procedures ).

Dereferencing and Compliance Requests 17 ) Cease and Desist all reporting and collection activities on this debt until all validation items are provided and verified. If documentation can not be supplied within statutory timeframes, please provide a clear, written explanation and the expected timeline for delivery.

Statutory and Ethical Considerations This request is made under the FCRA ( 15 U.S.C. 1681i ( a ) ( 6 ) and 1681s-2 ) for validation and dispute of information reported to credit bureaus. 
Accurate reporting across all bureaus is a legal requirement ; inaccurate or unverifiable information must be corrected or removed. 
Inaccurate reporting, including incorrect balances, late payments, or status, can violate the FCRA and state consumer protection laws. 
You are required to correct any unverifiable information in a timely manner and to notify the credit bureaus of any changes. 

Contact and Reporting Obligations Please acknowledge receipt of this dispute in writing and provide the requested validation within the statutory deadlines or, if applicable, the timeframes required under Texas consumer protection statutes. 
If you can not provide the requested documentation, you must report to the credit bureaus that the item is under investigation and provide a progress report. 

Consumer Protections and Oversight I reserve the right to contact and notify the appropriate regulatory bodies to ensure fair and accurate validation and reporting, including : XXXX XXXX XXXX XXXX XXXX XXXX Federal Deposit Insurance Corporation ( FDIC ) Office of the Comptroller of the Currency ( OCC ) Consumer Financial Protection Bureau ( CFPB ) Texas Attorney General ( Office of the Attorney General ) I will provide copies of this dispute to these agencies as part of ensuring compliance and to protect my rights.

Final Demands Cease reporting of the disputed account ( s ) until proper validation is provided. 
Respond within the statutory timeframe with all requested documentation, including thXXXX XXXX record and all supporting items listed above. 
If validation is not provided within the applicable timeframe, permanently delete all information related to the disputed debt from your systems and report accordingly to the credit bureaus, and confirm in writing. 
Do not engage in retaliatory or adverse action against me for exercising my rights under federal and state laws. 

Representational Note This consumer dispute is submitted under my rights as a consumer. This letter is authored by and on behalf of XXXX XXXX XXXX  ( consumer ), and the debt ( s ) and any associated data may be referenced by the original creditor, XXXX and Comenity Bank/XXXX XXXX  if applicable. This correspondence is to ensure fair and accurate validation and reporting of the debt ( s ). 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief