Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
Re : Demand for Chain of Assignment and Account-Level Documentation Under FCRA Account Number : XXXX * * Date of Last Payment : XX/XX/XXXX Reported Balance : {$0.00} * * Dear Sir or Madam, I am writing to formally request the chain of assignment and all account-level documentation pertaining to the above-referenced account, which CB/XXXX XXXX * * is currently reporting on my credit file with a balance of {$0.00}, and a last payment date of XX/XX/XXXX. 

This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) and 1681g ( a ) ( 1 ), which entitle consumers to access the information in their credit files and the sources of that information. Furnishers of credit data have an obligation to report only accurate and verifiable information, and to investigate disputes thoroughly and in good faith. 

The FCRA imposes a strict duty on furnishers like CB/XXXX  to ensure the accuracy of the information reported to consumer reporting agencies ( CRAs ). See 15 U.S.C. 1681s-2 ( b ) ; see also Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147, 1154 ( 9th Cir. 2009 ) ( requiring furnishers to investigate and verify information upon notice of dispute ).

To date, I have not received documentation substantiating CB/XXXX  reporting of this account. I am requesting the following records : The chain of assignment or servicing transfers from the original creditor to CB/XXXX  ( if applicable ) ; The original account agreement bearing my signature ; A complete payment history for the account ; and Copies of any notices sent to me regarding the reporting or servicing of this account. 

Even though the reported balance is {$0.00}, if this account remains on my credit file, it must still be accurate, verifiable, and not misleading, particularly with respect to payment history, account status, and any remarks or codes attached to it. 

Demand for Documentation Within 30 days of receipt of this letter, CB/XXXX  must provide : Documentation establishing your authority to report this account ; The complete account file, including payment history and terms ; Any and all information CB/XXXX  furnished to credit reporting agencies ; Clarification of why this account is being reported with a {$0.00} balance and how that reflects the status of the account.

Failure to provide the requested information within the time allowed may constitute a violation of the FCRA, potentially subjecting CB/XXXX  to liability for actual, statutory, and punitive damages, as well as attorneys fees and costs, under 15 U.S.C. 1681n and 1681o.

Furthermore, if any information being reported is found to be inaccurate, outdated, or unverifiable and you continue reporting it, this may also violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, if applicable. 

Preservation of Evidence CB/XXXX  is hereby instructed to preserve all documents, records, and communications related to this account, including electronic data, billing records, internal notes, and correspondence with CRAs. 

Please send all responsive documentation to the address above. If CB/XXXX fails to comply, I am prepared to pursue all appropriate legal remedies. 

Govern yourselves accordingly.

Company response to consumer: Closed with explanation