Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern : I am writing due to the negative marks you've made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but it is not mine and there's no way that you can validate it. I'm sure you are aware of the provisions of the Fair Debt Collection Act ( FDCPA ) so let it be known that I am requesting Full validation of this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone and restrict your contacts with me to writing only, and only when you can provide adequate validation of this alleged debt. For your memory on what constitutes legal validation here are the required documentation.

*Complete payment history, the requirement of which has been established by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Please provide verification by line item ( which an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc ) for the entire amount you say I owe obtained directly from the Original Creditor.

*Date of Last Activity *My full complete and correct social security number that will help to identify me as the correct person you are trying to collect from. 

*Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 

*The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. 

*Proof of photo identification ( i.e. driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of this incurring debt. 

Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount of bad debt buyer paid for plaintiffs debt, how the amount sought was calculated where at issue a list of reports to credit and documents conferring authority nationally to collect debt. 

Proof that this debt has not been purchased illegally. 

Any other intimate knowledge of the creation of the debt by you the collection agency. 

I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. You should also note that this is not request for Partial Validation but rather, it's a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful resolution of this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief