Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I made a complaint on Comenity Capital Bank to my State Attorney General, FTC, and CFPB, on XXXX for account ending in XXXX, I am writing in response to Comenity Capital Banks claim that they found no violations and that they have informed the credit reporting agencies that the account was sold. While that may address certain technical fields ( such as balance and status ), it completely misses the legal issue I raised in my original complaint. 

Comenity continues to furnish data under their name to the credit reporting agencies, even though they have no legal, financial, or servicing interest in the account following its sale. This creates a materially misleading impression that Comenity still owns or controls the account. Reporting a {$0.00} balance and sold status does not cure this, it is still misleading under the Fair Credit Reporting Act ( FCRA ). 

The FCRA requires information reported to credit reporting agencies to be 100 % accurate, complete, and not misleading ( 15 U.S.C. 1681s-2 ). As the Third Circuit Court held in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, even technically accurate information may violate the FCRA if it creates a false or misleading impression. Comenitys Capital Bank reporting violates this standard and damages my creditworthiness by making it appear that they are still involved with a debt they no longer own.

Furthermore, Comenitys continued presence on my credit report after sale without any permissible purpose, claim of interest, or servicing rights violates both consumer privacy protections and equity principles. They can not retain a reporting position on a debt they have transferred entirely to a third party. 

Therefore, Comenity 's Capital Bank continued reporting under their name misrepresents their relationship to the account and harms my creditworthiness.You can not sell an account to a different company and still have your company name attached to it, that is false and misrepresenting themselves on the account and they should not continue to have access to my consumer report without permissible purpose. I also wrote to Comenity Capital Bank several times and demanded that they cease and desist all communication with me including through my consumer report, unless they were communicating to inform me in writing they were terminating the reporting of this account or of any court procedures, they bluntly, ignored my notices, and continued to violate my rights under the FCRA laws and continued to communicate with me in writing and my consumer report about this account but yet this is the same company that says ( It is their policy to comply with all applicable laws and regulations ) that is a ( FCRA ) violation under 15 USC 1692c ( c ). This serves as a formal demand under federal law. You are hereby instructed to immediately cease and desist all communication with me pursuant to 15 U.S.C. 1692c ( c ), and to immediately cease and desist all furnishing of data to any consumer reporting agency pursuant to 15 U.S.C. 1681s-2 ( a ), 1681s-2 ( b ), and 1681b ( f ), as you no longer have any legal, financial, or servicing interest in the referenced account. " If Comenity Capital Bank continues to report this account on my credit report under your companies name, it will leave me know choice but to take legal action.

Company response to consumer: Closed with non-monetary relief