Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding multiple inaccurate, incomplete, outdated, and unverifiable items appearing on my XXXX credit report. These issues violate several sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting a full reinvestigation and the deletion or correction of all inaccurate data. 

Personal Information Errors : My report contains numerous incorrect and duplicate name variations. Only my correct legal name, XXXX XXXX , should appear. The presence of incorrect identifiers violates FCRA Section 607 ( b ), which requires accuracy and reasonable procedures. I request that all incorrect names be deleted. 
XXXX. XXXX/Comenity/Forever 21 XXXX XXXX Account Number : XXXX This account contains contradictory dates, inconsistent balances, and reporting errors. The account shows purchased by another lender but continues reporting negative activity. These issues make the information unreliable and unverifiable. This violates FCRA Sections 607 ( b ) and 623 ( a ) ( 1 ) ( A ), which prohibit furnishers from reporting inaccurate information. I dispute the accuracy and request deletion unless full verification with original records is provided. 
XXXX. XXXX XXXX XXXX XXXX Collection Accounts Account Numbers : XXXX and XXXX These two collection accounts appear to be duplicates. I was never provided the required debt validation as required under FDCPA Section 809 ( a ) ( 15 U.S.C. 1692g ). In addition, FCRA Section 609 ( a ) ( 1 ) requires the credit bureau to provide sources of information, which I never received. The balances also appear inflated and do not match the original creditors reporting. Because these accounts are unverifiable and likely duplicative, they violate FCRA Sections 607 ( b ) and 611 ( a ). I request complete deletion. 
XXXX. XXXX XXXX Multiple Accounts with Reporting Errors Account Numbers : XXXX, XXXX, and XXXX These accounts contain multiple inaccuracies, including : incorrect late-payment reporting, conflicting balance histories, repeated and incorrect account in dispute remarks, and the appearance of Invalid date, which indicates data corruption. This violates FCRA Sections 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). I request correction of all inaccurate information or deletion of the accounts if proper verification can not be produced. 
XXXX. XXXXXXXX XXXX XXXX XXXX  XXXX Account Number : XXXX This account shows identical balances for several years, inconsistent dates, and lists purchased by another lender without identifying the purchaser. These issues suggest the data is incomplete or unverifiable, in violation of FCRA Sections 607 ( b ) and 623 ( a ) ( 1 ) ( A ). I dispute this account and request deletion unless full documentation is provided.

Summary of Requested Action : Under FCRA Section 611 ( a ), XXXX  must conduct a reasonable reinvestigation. Under FCRA Section 607 ( b ), all information must be accurate and complete. Under FCRA Section 623 ( a ), furnishers may not report information they know or should know is inaccurate. Any information that can not be VERIFIED through original documentation must be deleted. I request that all disputed accounts be corrected or removed and that my personal identifying information be updated. 

My XXXX  report number is XXXX, generated XX/XX/2025. 

Thank you for your assistance in resolving these violations.

Company response to consumer: Closed with non-monetary relief