Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
To Whom It May Concern : Upon receiving a copy of my credit report, I have identified the following item ( XXXX ) that contain inaccurate information : XXXX. The inquiry was not authorized XXXX  XXXX XXXX/XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX XXXX/XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately.

XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX  XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of 15 USC 1692g. Validate this account. You have XXXX  days to verify if you fail to this must be deleted. 
XXXX  XXXX  XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of 15 USC 1692g. Validate this account. You have XXXX  days to verify if you fail to this must be deleted. 
XXXX  XXXX  XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX  XXXX  XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account FIRST PREMIER BANK Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby insist that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are required to verify these items with the relevant creditor. Any information that can not be verified by the creditor should be deleted. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this reinvestigation within XXXX  days of receiving this letter.

Please provide an updated copy of my credit report to the address specified above. According to the act, there should be no fee associated with obtaining this updated report. Additionally, I kindly request that you notify anyone who has received my credit report in the past XXXX months about any corrections made. 

Thank you for your attention and assistance regarding this matter.

Company response to consumer: Closed with explanation