Consumer complaint received 2026-06-02 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: MO

Complaint narrative:
I am writing in response to your recent communication dated XX/XX/XXXX, regarding the above-referenced Carters Credit Card account . I appreciate your acknowledgment of my previous correspondence submitted through the Consumer Financial Protection Bureau ( CFPB ) and your explanation of the accounts status, as well as your confirmation that a cease-and-desist designation has been applied to prevent future collection activities. While I acknowledge your explanation regarding the account being sold to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, following the charge-off on XX/XX/XXXX, I would like to provide detailed feedback and clarification concerning the resolution I am seeking as a fair outcome. My objective is to ensure that my consumer credit file reflects accurate, verified, and legally substantiated information, and that all future communications and reporting practices are compliant with federal consumer protection laws. 1. Account Reporting and Verification : You indicated that a request was submitted to the credit reporting agencies to delete your reporting of this account. I respectfully request confirmation that this deletion request has been fully processed and reflected across all three major credit reporting agencies ( XXXX XXXX XXXX ) within the standard reporting timelines. I would also like confirmation that any reporting under the previous creditor or under XXXX XXXX XXXX XXXX XXXX accurately reflects the transfer date and any prior balance, and that no duplicate reporting or inconsistent derogatory entries remain on my file. 2. Fraud and Account Protection Investigation : Your communication mentions that the Account Protection ( Fraud ) team previously completed an investigation and found no basis to support my fraud claim. For transparency and documentation purposes, I request a summary of the investigative procedures and any records reviewed to substantiate this determination. While I respect your findings, I would like to have formal documentation for my records confirming that all relevant transactions, account history, and communications were considered during the fraud assessment. 3. Cease-and-Desist and Legal Compliance : I appreciate the placement of a cease-and-desist status on the account. Please provide confirmation that this designation has been fully recognized by all internal systems, and that XXXX XXXX XXXX XXXX XXXX has been notified accordingly to prevent any further collection actions inconsistent with federal law, except as legally permissible. This is essential to ensure that no additional notices, calls, or collection attempts are undertaken that could violate the Fair Debt Collection Practices Act ( FDCPA ) or related consumer protections. 4. Clarification on Credit Reporting Post-Sale : Given that your account has been sold and you are no longer the creditor, I request clarity on any obligations your institution retains to ensure accurate reporting after the sale. Specifically, I request that you confirm the following : The last reporting date under Comenity Capital Bank is consistent with the sale date. All historical late payments, balances, and status updates have been accurately communicated to XXXX XXXX XXXX XXXX XXXX. Any potential discrepancies between your records and XXXX XXXX XXXX reporting are documented and corrected if necessary. 5. Preventing Future Misreporting : To avoid any adverse impact on my credit profile, I request that you implement verification and oversight measures to ensure that XXXX XXXX XXXX XXXX XXXX and any associated credit bureaus do not reinsert inaccurate or misleading information regarding this account in the future. I also request that any future inquiries, communications, or reporting related to this account are appropriately documented and compliant with the FCRA, FDCPA, and applicable federal consumer protection statutes. 6. Request for Documentation : I kindly request copies of any letters, internal notes, communications, and investigation reports that support the actions described in your correspondence, including the fraud investigation, the cease-and-desist designation, and the request to delete your reporting from the credit bureaus. These documents will help me ensure that my credit records accurately reflect the account history and that all actions taken were consistent with legal and regulatory requirements. 7. Resolution and Confirmation : In conclusion, a fair resolution would involve the following : Written confirmation that the account has been correctly removed or updated in all credit bureau files. Documentation verifying the accuracy of all reported history and any communications with XXXX XXXX XXXX XXXXConfirmation that the cease-and-desist instructions are fully recognized and effective. Assurance that no duplicate, inaccurate, or misleading derogatory information related to this account will be reported in the future. I appreciate your cooperation in providing full transparency, verification, and resolution of the matters outlined above. Ensuring that my consumer credit file accurately reflects the true status of this account is critical to preventing undue harm to my financial reputation and creditworthiness. Please provide your written confirmation and supporting documentation as soon as possible. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief