Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
I am submitting this complaint as an independent filing related to a prior CFPB complaint involving Comenity Bank and their reporting of a late payment on my Comenity/XXXX XXXX credit card account. This complaint addresses a separate and specific violation under FCRA 1681s-2 ( a ) ( 7 ) the failure to notify me within 30 days of furnishing negative information to the credit bureaus.

Comenity reported a 30-day delinquency to XXXX XXXX XXXX XXXX in early XX/XX/year>. XXXX explicitly shows a furnishing/update date of XX/XX/year>. To further support this, I retrieved XXXX XXXX reports dated XX/XX/XXXX and XX/XX/XXXX for both XXXX and XXXX While the XX/XX/XXXX reports showed no delinquency, the XX/XX/XXXX reports clearly reflect a 3059 days late status, and both XXXX XXXX XXXX  explicitly show XX/XX/year>, as the reported update date for the Comenity account. This confirms that all three credit bureaus were furnished the negative information on the same day XX/XX/year> substantiating that the 30-day FCRA notice window began on that date.

Under FCRA 1681s-2 ( a ) ( 7 ), XXXX was XXXXegally required to notify me clearly and conspicuously within 30 days of furnishing this negative information. However, the only written notice I received was the Comenity XX/XX/year> billing statement, delivered by email. This is outside the 30-day window and thus fails to comply with federal law. Moreover, the previous billing statement from Comenity on XX/XX/XXXX does not show or state anything related to a negative mark being reported to the credit bureaus. 

In violation of 1681s-2 ( a ) ( 7 ) ( A ) ( ii ), XXXX also failed to provide any clear and conspicuous notification. The XX/XX/XXXX email itself makes no mention of credit reporting activity the disclosure only appears within a PDF that the user has to access by using the hyperlink provided by the email which requires account sign in and navigation to the statements tab, even after opening the mentioned PDF, it is only able to be seen at the very end of the document which does not fulfil the requirement to be conspicuous. No separate email, alert, or mailed notice was ever sent by Comenity to inform me that they had reported the delinquency to the credit bureaus. 

This conduct violates both the timing and clarity requirements under the Fair Credit Reporting Act. Comenity failed to meet its obligation to : -Provide notice within 30 days of furnishing the negative data -Ensure that notice was clear and conspicuous Supporting Documentation I Am Attaching : -XXXX XXXX reports dated XX/XX/XXXX and XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX  report dated XX/XX/XXXX showing XX/XX/XXXX as the furnishing date -Comenity XX/XX/year> statement ( shows the derogatory notice ) -Comenity XX/XX/year> statement ( no mention of derogatory status ) XXXX XXXX for XX/XX/XXXX statement, showing time received ; the only verified attempt at contact, but lacking clear and conspicuous proof in the body and only provides a hyperlink to navigate to their Account page via the Web. 

XXXX XXXX for the XX/XX/XXXX statement, showing time received ; to supplement support for the timestamp for delivery for the previous month, also can only be accessed the same way as the XXXX statement.

Company response to consumer: Closed with explanation