Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Demand for Chain of Assignment and Account-Level Documentation Under FCRA Account Number : XXXX * * ( CCB/FE21CC ) * * Dear Sir or Madam, I am writing to formally request the chain of assignment and all account-level documentation pertaining to the above-referenced account, which CCB/FE21CC is currently reporting on my credit file with a balance of {$0.00}, and a Date of Last Payment : XX/XX/XXXX. 

This demand is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) and 1681g ( a ) ( 1 ), which require furnishers of information to provide consumers with the underlying documentation supporting reported accounts upon request, particularly when the accuracy of such reporting is in question. 

The FCRA imposes a strict duty on furnishers like XXXX to ensure the accuracy of information reported to consumer reporting agencies ( CRAs ). See 15 U.S.C. 1681s-2 ( b ) ; see also XXXX v. XXXX & XXXX, LLP, 584 F.3d 1147, 1154 ( 9th Cir. 2009 ) ( holding that furnishers must investigate and verify the accuracy of reported information upon receiving a dispute ). 

Furthermore, under 15 U.S.C. 1681g ( a ) ( 1 ), I am entitled to " all information in the consumers file, '' including the sources of such information, which encompasses the chain of assignment and account-level documentation demonstrating CCB/FE21CCs legal authority to collect and report this alleged debt. 

To date, I have not received adequate documentation verifying the validity of this account, including but not limited to : The chain of assignment from the original creditor to CCB/FE21CC, The original account agreement, A complete payment history, and Any notices of assignment as required by law.

Without this documentation, I am unable to ascertain whether CCB/FE21CC has the legal right to report this account on my credit file or whether the reported information is accurate, complete, and verifiable as mandated by the FCRA.

Demand for Documentation Within 30 days of receipt of this letter, CCB/FE21CC must provide the following : The complete chain of assignment, including all bills of sale, assignments, or other documents evidencing the transfer of this account from the original creditor to CCB/FE21CC ; The original account agreement or contract bearing my signature, establishing the alleged debt ; A detailed account statement or ledger reflecting all charges, payments, and fees associated with this account from its inception to the present ; Copies of all notices of assignment sent to me, as required under applicable state and federal law ; Any other documentation in CCB/FE21CCs possession that supports the accuracy of the reported balance, date opened, and status. 

Failure to provide the requested documentation within the statutory timeframe may constitute a violation of the FCRA, exposing CCB/FE21CC to liability for actual damages, statutory damages up to {$1000.00} per violation, punitive damages, and reasonable attorneys fees and costs, as provided under 15 U.S.C. 1681n and 1681o.

Moreover, continued reporting of unverified or inaccurate information may also violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with debt collection. See XXXX XXXX XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). 

Preservation of Evidence CCB/FE21CC is hereby on notice to preserve all records, communications, and other evidence related to this account, including but not limited to electronic data, internal notes, and correspondence with CRAs or third parties. Destruction or alteration of such evidence may result in sanctions for spoliation.

Please direct all responsive documentation and corres
pondence to the address listed above. Should CCB/FE21CC fail to comply with this demand, I am prepared to take all necessary legal action to enforce my rights under the FCRA and other applicable laws, including filing a lawsuit for damages and injunctive relief. 

Govern yourselves accordingly.

Company response to consumer: Closed with explanation