Consumer complaint received 2025-11-28 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: LA

Complaint narrative:
Thank you for the companys response ; however, I must respectfully disagree with Comenity Banks conclusions and the refusal to remove or correct the reporting. The statements in Comenitys letter do not resolve my dispute and do not address the core issue : I do not own this account, I filed an FTC Identity Theft Report, and Comenity has not provided any documentation proving the account belongs to me.

According to Comenity Banks own letter ( page 1 ) : Comenity states it is reporting the account correctly, yet no supporting documents were provided.

Comenity states it is no longer the creditor on the account, which means they can not verify or validate the debt.

Comenity acknowledges the account was sold to XXXX XXXX XXXX XXXX XXXX, yet again provides no proof of the original account or assignment. 

These statements further confirm that Comenity is reporting an account they can not validate, because they no longer possess the records required to prove the debt.

1. Comenity provided zero documentation Despite my disputes, Comenity did NOT provide : A signed contract or application Billing statements Account history Proof of identity used to open the account Chain of title documentation Evidence I ever opened or authorized such an account Without documentation, Comenity can not lawfully verify the account under FCRA 623 and 611.

2. A furnisher can not verify an account it no longer owns Comenity states that the account was sold to XXXX XXXX on XX/XX/year> ( page XXXX ). 
If Comenity no longer owns the debt, then Comenity no longer holds the documents needed to investigate my dispute. A furnisher can not verify a tradeline it no longer has records for.

3. Comenity ignored my FTC Identity Theft Report I filed an FTC Identity Theft Report stating clearly that : I do not own this account This account was not opened by me The account is unauthorized and fraudulent Federal law requires furnishers to block fraudulent accounts when presented with an FTC report and identity theft dispute. Comenity did not address this at all.

4. Comenity did not provide a Method of Verification Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I have the right to know : How the account was verified What documents were reviewed Who verified it Whether original documents were examined Comenity provided none of this. They simply claimed the account was verified, which does not satisfy federal law.

5. Reporting a charge-off without validation violates the FCRA Comenity claims their reporting is accurate because the account charged off on XX/XX/year>, and was sold on XX/XX/year>. However, they did not provide : Proof of any missed payments A breakdown of the alleged balance Any notices supposedly mailed to me Any documentation showing I ever had an account with them Without evidence, the reporting is inaccurate and unverified, even if they assert it is factual. 

XXXX. My dispute is about ownership NOT about Comenitys internal policies Comenity states : Weve reviewed your account and found no violations of law.

( Page 1 ) However, the issue is not whether Comenity violated internal policy.

The issue is : The account does NOT belong to me Comenity has zero proof it belongs to me Comenity did not validate anything Comenity can not verify an account it sold Comenity did not comply with identity theft procedures 7. A fair resolution requires deletion Because Comenity : Did not validate the account No longer owns the account Can not produce original documentation Failed to address my FTC report Failed to provide a Method of Verification Failed to conduct a reasonable investigation The only appropriate action is full deletion of Comenitys tradeline from my credit reports. 

XXXX. XXXX XXXX is also reporting an account I do not own Comenity states I should contact XXXX XXXX for documents ( page XXXX ). 
However, XXXX XXXX is also reporting an account I do not recognize and can not validate. 
Both companies are reporting accounts that : I do not own I did not authorize Were included in my FTC Identity Theft Report Requested Resolution I am asking the CFPB to require : Removal of the Comenity Bank tradeline from all credit reports. 

A full and documented Method of Verification.

Proof of ownership, assignment, and identity used to open the alleged account.

Compliance with the FTC identity theft documentation I submitted.

Prevention of reinsertion unless full validation is provided.

Comenitys response does not resolve my complaint because it does not provide proof, validation, or documentation. Their statements are unsupported, and their own letter confirms they no longer have the records needed to verify anything. 

Thank you for allowing me the opportunity to clarify my position.

Company response to consumer: Closed with non-monetary relief