Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
To Whom It May Concern, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violations of the Fair Credit Reporting Ac XXXX Noncompliance with 15 USC 1681e ( b ) - Failure to Maintain Maximum Accuracy : noncompliance. 
XXXX. Violation of 15 USC 1681ad ) ( 2 ) ( A ) i ) - Improper Reporting of Non-Reportable Transactions : Additionally, under 15 USC 1681ad ) ( 2 ) ( A ) ( i ), transactions or experiences between a consumer and creditor are not considered consumer reports unless authorized by the consumer. The late payment being reported stems from such a transaction and, as such, should not have been shared with any credit reporting agency. Your failure to obtain proper authorization for the dissemination of this information is a further violation of my rights under the FCRA. 
XXXX. Violation of 15 USC 6802 - Unauthorized Disclosure of Nonpublic Personal Information : Further, as a financial institution governed by 15 USC 6802 under the Gramm-Leach-Bliley Act, you are prohibited from disclosing nonpublic personal information to third parties without my express consent. 
Your unauthorized dissemination of this erroneous late payment represents a violation of my privacy rights, making you liable for any damages caused. 
Legal and Financial Consequences : Your ongoing failure to adhere to these legal mandates exposes you to serious penalties. Under 15 USC 1681n, you may be liable for statutory damages ranging from {$100.00} to {$1000.00} per violation for willfully violating the FCRA, in addition to actual damages I have suffered. Given the egregious nature of your noncompliance, I may also seek punitive damages to the full extent permitted by law, to punish and deter this willful misconduct. These punitive damages, combined with my actual damages for emotional distress, may be substantial.

The emotional distress, mental anguish, and financial harm caused by your disregard for accuracy in reporting have been significant. The persistent erroneous reporting has impeded my ability to secure XXXX XXXX XXXX XXXX  XXXX XXXX to XXXX XXXXXXXX XXXX XXXX XXXX XXXX Immediate Action Required : To avoid further escalation, I demand that : XXXX. You immediately cease reporting the inaccurate late payment to XXXX, XXXX, and XXXX. 
XXXX. You remove the erroneous information from my credit file across all major credit reporting agencies. 
XXXX. You provide written confirmation of the removal within XXXX  days of receiving this letter. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I trust that you will take the necessary steps to rectify this matter and prevent the need for further legal action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Va XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation