Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
Letter:XXXX  -- Comenity Capital Bank ; notice of {$10000.00} balance closed in charged off ; account sold to XXXX XXXX XXXX XXXX XXXX ; froze credit reports Letter : XX/XX/XXXX -- XXXX XXXX XXXX ; spoke to " XXXX XXXX XXXX XX/XX/XXXX ; said he ordered an " investigation '' and could take up to 90 days Letter : XX/XX/XXXX -- XXXX XXXX XXXX XXXX concluded " information is accurate '' ; spoke with " XXXX XXXX '' ( different number called ) XX/XX/XXXX ... account opened XX/XX/XXXX with XXXX XX/XX/XXXX -- filed police report and filed with FTC Letter : XX/XX/XXXX -- XXXX XXXX XXXX ; another collection letter Phone XX/XX/XXXX -- spoke with " XXXX '' at XXXX ( for additional information since nobody else was doing anything ) ; account opened at XXXX XXXX XXXX in FL with `` XXXX XXXX XXXX' listed as an alternative user ; address used was a home sold almost 9 years ago Letter XX/XX/XXXX -- XXXX XXXX XXXX ; sent options for paying debt Phone XX/XX/XXXX -- " XXXX XXXX '' ( XXXX ) XXXX location unknown @ XXXX ; no voicemail Phone XX/XX/XXXX -- " XXXX XXXX '' ( XXXX ) XXXX location unknown @ XXXX ; no voicemail Phone XX/XX/XXXX -- " XXXX XXXX '' ( XXXX ) XXXX location unknown @ XXXX ; no voicemail Phone XX/XX/XXXX -- " XXXX XXXX  '' ( XXXX ) XXXX XXXX, AZ @ XXXX XXXX no voicemail Phone XX/XX/XXXX -- XXXX XXXX XXXX XXXX' ( XXXX ) XXXX location unknown @ XXXX ; no voicemail Phone XX/XX/XXXX -- " XXXX XXXX  '' ( XXXX ) XXXX XXXX, AZ @ XXXX ; no voicemail Phone XX/XX/XXXX -- " XXXX XXXX '' ( XXXX ) XXXX location unknown @ XXXX ; no voicemail Phone XX/XX/XXXX -- " XXXX XXXX '' ( XXXX ) XXXX location unknown @ XXXX ; no voicemail Phone XX/XX/XXXX -- " XXXX XXXX '' ( XXXX ) XXXX location unknown @ XXXX ; no voicemail Phone XX/XX/XXXX -- " XXXX XXXX '' ( XXXX ) XXXX location unknown @ XXXX ; no voicemail Phone XX/XX/XXXX -- " XXXX XXXX '' ( XXXX ) XXXX location unknown @ XXXX ; no voicemail Phone XX/XX/XXXX -- " XXXX XXXX  '' ( XXXX ) XXXX location unknown @ XXXX ; no voicemail Phone XX/XX/XXXX -- " XXXX XXXX '' ( XXXX ) XXXX location unknown @ XXXX ; no voicemail Phone XX/XX/XXXX -- " XXXX XXXX '' ( XXXX ) XXXX location unknown @ XXXX ; no voicemail Phone XX/XX/XXXX -- " XXXX XXXX '' ( XXXX ) XXXX location unknown @ XXXX ; no voicemail Phone XX/XX/XXXX -- " XXXX XXXX '' ( XXXX ) XXXX location unknown @ XXXX ; no voicemail Phone XX/XX/XXXX -- " XXXX XXXX '' ( XXXX ) XXXX XXXX, WA @ XXXX ; no voicemail Phone XX/XX/XXXX -- " XXXX XXXX '' ( XXXX ) XXXX location unknown @ XXXX ; no voicemail Phone XX/XX/XXXX -- " XXXX XXXX '' ( XXXX ) XXXX location unknown @ XXXX ; no voicemail Phone XX/XX/XXXX -- " XXXX XXXX  '' ( XXXX ) XXXX location unknown @ XXXX ; no voicemail Phone XX/XX/XXXX -- " XXXX  XXXX '' ( XXXX ) XXXX location unknown @ XXXX ; no voicemail Phone XX/XX/XXXX -- " XXXX XXXX '' ( XXXX ) XXXX location unknown @ XXXX ; no voicemail Phone XX/XX/XXXX -- " XXXX XXXX '' ( XXXX ) XXXX XXXX, WA @ XXXX ; no voicemail Phone XX/XX/XXXX -- " XXXX XXXX '' ( XXXX ) XXXX location unknown @ XXXX ; XXXX voicemail Phone XX/XX/XXXX -- " XXXX XXXX '' ( XXXX ) XXXX location unknown @ XXXX ; no voicemail Phone XX/XX/XXXX -- " XXXX XXXX  '' ( XXXX ) XXXX location unknown @ XXXX ; no voicemail Phone XX/XX/XXXX -- to ( XXXX ) XXXX to find out who is calling me everyday at work on my cell ; XXXX XXXX XXXX " XXXX '' ; transferred to " XXXX XXXX '' for dispute ; said I needed to fax additional information to them Phone XX/XX/XXXX -- to XXXX Police to add to report Phone XX/XX/XXXX -- to XXXX XXXX, Attorney ; decided not to send information for dispute since original debt is NOT on any credit report ... XXXX is currently showing up on my credit as of XX/XX/XXXX ( I believe )

Company response to consumer: Closed with explanation