Consumer complaint received 2024-10-30 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: FL

Complaint narrative:
Your company has reported me late to all three credit bureaus. When I checked my credit reports, I noticed the late status. I disputed this with the credit bureaus, and your company verified it. I dont recall being late. Please provide me with all documentation that you have proving that I was late on the days that you reported to the credit bureaus. 

According to the FCRA and FACTA, I have a right to dispute this account directly with your company if I feel that your reporting is inaccurate. In addition, court case opinion No. XXXX XXXX by the XXXX Court of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX investigate and make sure their reporting is accurate. I also have the right to bring a suit against your company if you violate any of the laws above. 

Account name ADS/COMENITY/VICTORIA Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$0.00} Credit limit {$550.00} Highest balance {$140.00} Terms - Payment history Late payment XX/XX/XXXX, XX/XX/XXXX Report Number XXXX false reporting ... i was never late and the representative told me on the recorded phone line that the account will be updated immediately. 

Violations of Metro 2 Compliance Standards Under the Metro 2 compliance standards, established by the XXXX XXXX XXXX XXXX ( XXXX ), XXXX Funding is required to report information accurately, consistently, and in compliance with consumer protection guidelines. This account has been inaccurately reported and has violated several Metro 2 codes as outlined below : Metro 2 Compliance Incorrect Account Status and Balance Reporting Violation of Compliance Code ( Base Segment Account Status ) : Metro 2 standards require that the Account Status Code accurately reflect the current status of the debt, including any charge-off, paid, or zero balance if canceled. As the balance and past-due amounts of {$38000.00} remain on record without validation, this reporting fails Metro 2 standards.

Metro 2 Compliance Code for Base Segment ( Field 17 Account Status Code ) requires that the status accurately reflects the true condition of the account. Reporting a balance that is potentially inaccurate and unverifiable violates this compliance. 
Notice of Demand for Deletion and Intent to Seek Statutory Damages XXXX Fundings repeated failure to meet Metro 2 compliance standards, the FDCPA, and federal privacy regulations has caused substantial financial and emotional harm. This letter serves as a formal demand for the immediate deletion of this account from my credit report. Failure to comply will result in legal action, including arbitration, to pursue statutory damages as outlined below : FDCPA Statutory Damages : {$1000.00} Privacy Invasion and Data Misuse Damages : {$5000.00} Additional Damages for Emotional and Financial Harm : {$3000.00} Total Damages Sought : {$9000.00} Opt-Out of Information Sharing In accordance with 15 U.S.C. 6802, I am opting out of any further sharing of my personal information, including my Social Security Number, and demand that XXXX XXXX ceases all reporting activity associated with this unauthorized and inaccurate account. Your continued reporting is an actionable breach of my rights.

Company response to consumer: Closed with non-monetary relief