Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX Consumer Federal Protection Bureau Federal Trade Commission ATTN : Fraud Division XXXX XXXX XXXX XXXX Washington DC XXXX RE : XXXX XXXX XXXX, XXXX, XXXX. 
ComenityCBXXXX Credit Card Account # XXXX Demand to Delete Inaccurate and Derogatory Credit Reporting NEED ACTION BEFORE XX/XX/XXXX CLOSING DATE Dear Sir or Madam : By way of introduction, I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the XXXX of Massachusetts. My practice strives for justice in processing and reporting and I seek to practice the same in my personal life. To date I have maintained an exemplary credit rating through prompt payments of any and all bills that become due and owing. This practice has allowed me to be approved for a top-rated mortgage for the purchase of my new home. 

Unfortunately, it has recently come to my attention that Comenity Capital Bank has inaccurately reported a late pay on the above captioned credit card account which has resulted in a drastic drop in my credit score and has placed my underwriting position in jeopardy. Upon investigation, the reported late pay was a result of an interest roll-over that occurred subsequent to the payment in full of the balance due and owing on the credit card. Specifically, on XX/XX/XXXX there was a charge for {$330.00} and on XX/XX/XXXX there was a payment made of {$370.00}, without additional charges having been incurred during that period of time. Any charges not satisfied in a timely manner were a result of a late-applied interest roll-over, a charge that does not constitute a late pay and justify the derogatory impact to my credit rating. 

I have humbly request that the derogatory late pay reporting be deleted from my credit report pursuant to the Fair Debt Reporting Act ( FDRA ) as the reporting is due to a mistake or inadvertence on the part of Comenity Capital Bank. I have finally found my dream home and truly do not want this jeopardized. I have requested the bank could kindly contact my office at XXXX. I will need a letter from the bank to my mortgage brokers request the following, Please add to the from Comenity Bank letter to request a onetime courtesy deletion of the 30 day late payment reporting to the credit agencies, just in case the person reviewing the letter just credits the late charge but leaves the late payment reporting to the credit agencies. Once we have that letter we can request the report to be updated manually from all three bureaus. 

As time if of the essence for my home loan to close on XX/XX/XXXX, I am desperate for your esteemed federal agency to assist me. I have worked hand in hand with all federal agencies in order to honor and assist clients in my work world wide. If your kind agency could please reach the higher levels of this bank ASAP and request this is removed post haste, I would eternally grateful. This event has dropped my credit score over XXXX points! SEE EMAIL. It will be an extreme hardship to me and my home purchase. 

I respectfully request your immediate response to this issue and look forward to resolving this matter amicably. Should you require any additional information from me, please do not hesitate to contact me directly. 

Thank you for your attention to this matter. 


Very truly yours, XXXX XXXX XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation