Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX SSN XX/XX/XXXXXXXX : XX/XX/XXXX Date : XX/XX/XXXX Comenity Bank / XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX RE : Formal Legal Demand for Proof of IRS Form XXXX and Deletion of Charged-Off Account Account Number : XXXX Reported Balance : {$350.00} To Whom It May Concern : This letter is a formal legal demand for documentation, verification, and immediate correction of inaccurate reporting related to the above-referenced account. 
Your institution is reporting this account as charged off while simultaneously showing a balance owed of {$350.00}, which constitutes false and misleading reporting under 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) and 15 U.S.C. XXXX. 

XX/XX/XXXX. LEGAL BASIS Under XXXX XXXX. XXXX and XXXX XX/XX/XXXXXXXX, any financial institution that cancels or discharges a debt of {$600.00} or more must file an IRS Form XXXX ( Cancellation of Debt ). 
Once a debt is charged off and recognized as a loss, it may not legally continue to be reported or collected as an active receivable. 
Continuing to report a balance due after a charge-off violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by misrepresenting the legal status of the debt. 

This demand is made under : FDCPA XXXX ( b ) requiring full validation and suspension of collection until verification is provided ; FCRA XXXX ( a ) ( XXXX ) ( A ) prohibiting the furnishing of inaccurate information ; FCRA XXXX ( a ) ( XXXX ) requiring deletion of unverifiable information ; and XXXXXX/XX/XXXX XXXX mandating IRS reporting for canceled debt. 

XXXX. FORMAL LEGAL DEMANDS You are hereby formally required to provide the following within XXXX ( XXXX ) days of receipt of this notice : A complete copy of any IRS Form XXXX issued for this account. 

If no XXXX was issued, a sworn written statement on Comenity Bank letterhead signed by an authorized compliance officer affirming that no such filing occurred. 

Documentation of the charge-off transaction, including accounting and tax treatment. 

Copies of any assignment or transfer agreements, if applicable. 

A list of all credit reporting agencies to which this account has been reported. 

XXXX. DEMAND FOR DELETION Because this account has been charged off, and no valid proof of an active collectible balance has been provided, I hereby demand immediate deletion of this tradeline from all consumer reporting agencies, including but not limited to XX/XX/XXXX, and XX/XX/XXXX under FCRA XXXX ( a ) ( XXXX ) ( A ). 

Maintaining a charged-off account with a balance due is an inaccurate representation of financial status and must be deleted entirely, not merely updated. 
Failure to delete this account upon notice constitutes willful noncompliance with the FCRA and will be reported to the Consumer Financial Protection Bureau ( CFPB ), Office of the Comptroller of the Currency ( OCC ), and the XX/XX/XXXXXX/XX/XXXX of XX/XX/XXXX 

XX/XX/XXXX NOTICE OF LIABILITY Non-compliance within the prescribed period will result in enforcement action and the pursuit of civil remedies under 15 U.S.C. XXXX, XXXX, and XXXX, including statutory damages, attorneys fees, and all other relief available by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with non-monetary relief