Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Subject : Dispute of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violations After Failed Reinvestigation Dear [ XXXX XXXX  XXXX I am writing to dispute inaccurate and unverifiable information on my credit report regarding a CB/NY & CO account, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I previously requested reinvestigation of this account, but the inaccuracies persist, indicating potential violations of federal law. I demand a thorough reinvestigation and immediate correction or removal of this account from my credit report. 

Account Details ( as reported by [ XXXX XXXX XXXX XXXX Creditor : CB/NY & CO Account NumbeXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Revolving ( Charge Account ) Account Status : [ Closed for XXXX  ; Derogatory for XXXX ; Paid for XXXX XXXX Date Opened XXXX [ XX/XX/XXXX for TransUnion ; XX/XX/XXXX for XXXX  ] Date Last Active : [ XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Date of Last Payment XXXX [ XX/XX/XXXX for XXXX ; Not Reported for XXXX XXXX  Balance : {$0.00} Payment Status : Current Comments : XXXX XXXX XXXX " Canceled by credit grantor, Account has been closed due to inactivity, Closed or paid accountXXXX  balance '' ; XXXX XXXX XXXX XXXX included in or discharged through Bankruptcy XXXX XXXX XXXX XXXX XXXX Accounts closed by credit grantor '' ; XXXX XXXX None ] Reason for Dispute and FCRA Violations : Despite my prior disputes, the CB/NY & CO account continues to be reported with multiple inaccuracies, violating the following FCRA provisions : Inconsistent Account Status : The account is reported as " Closed '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), despite a {$0.00} balance and " Current '' payment status. This violates 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum possible accuracy. 



False Bankruptcy Comment XXXX XXXX XXXX XXXX XXXX comment, " Debt included in or discharged through Bankruptcy XXXX XXXX XXXX XXXX XXXX '' is inaccurate, as I have not filed for bankruptcy. This false and damaging remark violates 15 U.S.C. 1681e ( b ) and misleads creditors, potentially harming my creditworthiness. 



Inconsistent Dates and Account Numbers : The account shows conflicting opening dates ( XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX ), last active dates, and account numbers ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last Reported '' date of XX/XX/XXXX is erroneous, as it is a future date. These errors further violate 15 U.S.C. 1681e ( b ). 



Failure to Conduct Reasonable Reinvestigation : I previously disputed this account, but the inaccuracies remain, indicating a failure to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i ( a ). This failure may also implicate the creditor ( e.g., Comenity Bank ) for not correcting inaccurate information, violating 15 U.S.C. 1681s-2 ( b ).

Unverifiable Information : If the creditor can not verify the accounts details ( e.g., status, bankruptcy comment, or dates ), the account must be removed per 15 U.S.C. 1681i ( a ) ( 5 ). 

The bureaus and creditors failure to correct these errors after my prior disputes suggests willful noncompliance under 15 U.S.C. 1681n, potentially entitling me to damages. These inaccuracies, particularly the false bankruptcy comment, may have caused significant harm to my credit profile.

Company response to consumer: Closed with non-monetary relief