Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
I am filing this complaint because the account reported under CCBXXXX ( Comenity Capital Bank XXXX XXXX ) with the identifying digits XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is appearing on my consumer credit files as a derogatory Collection/Charge-Off account. This account is being furnished as a negative item across the credit reporting agencies, yet the information is inaccurate, incomplete, unverified, misleading, and not supported by any original documentation proving that I am legally responsible for this alleged debt. Despite multiple disputes and requests for verification, the bureaus and the furnisher have failed to comply with the requirements imposed under the Fair Credit Reporting Act ( FCRA ) and, where applicable, the Fair Debt Collection Practices Act ( FDCPA ). 

The purpose of this complaint is to describe, in detail, what happened, the actions I took, the responses I received, and the ways the reporting of this account violates federal law. I am asking the Consumer Financial Protection Bureau to intervene because the credit bureaus and CCBXXXX have not conducted a lawful reinvestigation, have not provided validation, and continue to publish derogatory information without providing any evidence of its accuracy. 

1. Overview of the Problem The CCBXXXX account is being reported as : Status : Collection/Charge-Off Past Due : {$0.00} Closed On : XX/XX/year> Derogatory Notation : Present Furnisher : Comenity Capital Bank The central issue is that CCBXXXX and the credit reporting agencies are reporting this account without providing any legally required documentation. No proof has been provided showing I opened the account, authorized charges, made purchases, agreed to terms, or failed to pay. There is also no original contract, no itemized transaction history, no billing statements, no proof of ownership, no evidence of assignment, no date of first delinquency, and no legal validation. 

Despite this, the account continues to be reported as derogatory, harming my credit profile. 

2. What I Did to Resolve the Issue A. I Filed a Dispute with Each Credit Reporting Agency I formally disputed this account with the credit bureaus, explaining that : I did not authorize this account I did not receive any statements I have no record of this debt The reporting appears inaccurate and unverified I was requesting full validation and a method of verification B. The Bureaus Responded With No Documentation The bureaus marked the account as verified, yet : They provided no copies of any contracts They provided no billing statements They provided no payment history They provided no documents at all This indicates the verification process was likely automated through XXXX, rather than a meaningful investigation as required under FCRA 611 ( a ). 

C. I Requested the Method of Verification Under FCRA 611 ( a ) ( 6 ), I requested : Who verified the account What documents were reviewed How the verification occurred What the furnisher supplied Whether the investigation was manual or automated None of this was provided. 

D. I Attempted to Contact the Furnisher I attempted to obtain validation from CCBXXXX, and again : No contract was provided No application was provided No itemization was provided No transaction data was provided No evidence confirming the account This indicates that the furnisher can not validate the account, yet continues to report it. 

3. Specific Problems With the Reporting A. Missing Original Documentation The furnisher has not provided : A signed credit application The original cardholder agreement Any terms and conditions Billing statements A purchase history Proof of delivery of goods or services Any communication demonstrating that I opened or used the account Without this, the account is unverifiable under FCRA 611 ( a ) ( 5 ). 

B. Missing Date of First Delinquency The reporting fails to show a DOFD, which is required to determine : When the seven-year reporting period begins Whether the account is re-aged Whether the reporting timeline is valid This omission alone renders the reporting incomplete and therefore inaccurate under FCRA 607 ( b ). 

C. Inconsistent Reporting Across different bureaus, the reporting for this same CCBXXXX  account contains inconsistencies in : Status Update dates Past due amounts Payment history Date closed Derogatory flags Conflicting data violates accuracy requirements under federal law. 

D. Automated Verification Instead of Real Investigation The speed of the bureaus dispute results strongly suggests : No documents were reviewed The furnisher was not required to produce evidence A simple automated verified response was used No human investigation occurred This violates : FCRA 611 ( a ) ( 1 ) reasonable reinvestigation FCRA 611 ( a ) ( 6 ) method of verification requirement FCRA 607 ( b ) accuracy and reliability obligations E. No Validation by the Furnisher If CCBXXXX is acting in any capacity similar to a collector, they are required under the FDCPA to validate the debt. 

No validation has been provided. 

4. Harm Caused by This Inaccurate Reporting Because this CCBXXXX derogatory account remains on my reports without validation, I have experienced : Lower credit scores Higher interest rates offered by lenders Denial of credit opportunities Reduced creditworthiness Higher insurance premiums Stress and financial hardship I am being penalized for an account that has not been validated. 

5. Why This Reporting Is Unlawful A. Violations of FCRA 602 Maximum Possible Accuracy The bureaus are required to maintain maximum possible accuracy. Reporting unverifiable information without documentation violates this requirement. 

B. Violations of FCRA 607 ( b ) Reasonable Procedures to Assure Accuracy Incomplete, conflicting, or unverified data violates this requirement. 

C. Violations of FCRA 611 ( a ) Reinvestigation The bureaus failed to conduct a meaningful reinvestigation. 

D. Violations of FCRA 611 ( a ) ( 6 ) Method of Verification The bureaus did not provide the required explanation of how the account was verified. 

E. Violations of FCRA 623 ( a ) ( 3 ) Duty to Mark Account as Disputed At times, the account has been reported without a required consumer disputes this account notation. 

F. Violations of FDCPA Validation Requirements If CCBXXXX or any affiliated entity is acting as a collector, validation is legally required and was never provided. 

6. Why This Complaint Is Necessary This complaint is necessary because the standard dispute process was handled incorrectly. I have : Requested validation Requested documentation Requested verification Provided notice of inaccuracy Attempted direct contact Followed the proper FCRA/FDCPA procedures Yet the bureaus and XXXX have not complied with required consumer-protection procedures. 

Without CFPB involvement, the inaccurate reporting will remain. 

7. What I Am Requesting Through This Complaint This section outlines the specific actions that must occur for this issue to be resolved fairly and in accordance with federal law. 

A. Full Validation of the CCBXXXX Account I am requesting : A copy of the signed credit application The original agreement All terms and disclosures Complete itemized statements Transaction history Proof of account ownership Date of first delinquency Charge-off documentation Evidence that I authorized the account If these can not be provided, then the account must be deleted. 

B. A Manual, Document-Based Reinvestigation A lawful reinvestigation must involve : A human reviewing documents The furnisher providing original account records Verification beyond automated codes Full transparency of results C. A Full Method of Verification I request, under FCRA 611 ( a ) ( 6 ) : What documents were reviewed How the information was verified Who verified it Whether the process was manual or automated What evidence was supplied D. Correction or Deletion of Inaccurate Information If any : Dates Balances Payment history Charge-off amounts Status codes Dispute notations Are inaccurate or unverifiable, they must be corrected or deleted. 

E. Immediate Deletion If Documentation Can not Be Provided If CCBXXXX can not supply validation within the FCRA investigation window, the account must be removed from all bureaus. 

F. Addition of Required Disputed Notation Until resolution, the account must reflect that I dispute it. 

G. Notification to All Users of My Credit File If the account is removed or corrected, the bureaus must send corrected reports to : Lenders Insurers Creditors Any entity that accessed my file during the required period H. Prevention of Reinsertion If deleted, the CCBXXXX tradeline can not be reinserted unless : XXXX certifies its accuracy , and I am given prior written notice This is required under FCRA 611 ( a ) ( 5 ) ( B ). 

8. Conclusion A fair resolution requires : Full validation Full documentation A lawful reinvestigation Correction of inaccuracies Removal of unverifiable information Transparency Compliance with all FCRA/FDCPA obligations The CCBXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account remains unvalidated, incomplete, inconsistent, and inaccurately reported. The furnisher and credit bureaus have failed to provide documentation proving the legitimacy of this debt, yet continue reporting it to third parties. This has caused demonstrable harm. 

For these reasons, I request CFPB intervention to ensure full compliance with federal law and to ensure that this account is either validated with proper documentation or deleted entirely.

Company response to consumer: Closed with explanation