Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent credit reporting by Comenity Capital BankXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account XXXX in XXXX. This account is currently active and being serviced by Comenity. I continue to receive monthly billing statements, interest charges, payment due dates, and maintain full online account access. My XX/XX/XXXX statement reflects : * an active balance of {$940.00}, * a minimum payment due, * ongoing interest charges, * and a recent payment posted on XX/XX/XXXX. The account also remains accessible through Comenitys online portal, where I can actively manage the account, make payments, and view current billing information. However, Comenity is furnishing conflicting and materially inconsistent account status information to the consumer reporting agencies. XXXX currently reports the account as OPEN with active monthly reporting and ongoing payment history. In contrastXXXX XXXX XXXX XXXX report the account as CLOSED while simultaneously reporting : * an active balance, * ongoing monthly updates, * XX/XX/XXXX account activity, * recent payment history, * and continued servicing activity. XXXX specifically reports : * ACCOUNT STATUS : CLOSED * Date Reported : XX/XX/XXXX * Date of Last Activity : XX/XX/XXXX * Balance : {$940.00} * Available Credit : - {$590.00} XXXX additionally reports : * Date Closed : XX/XX/XXXX while simultaneously reporting : * Date of Last Payment : XXXX XXXX * scheduled monthly payments, * and actual payment amounts made after the alleged closure date. At the same time, Comenity continues to : * issue monthly billing statements, * assess interest charges, * accept and process payments, * maintain online account access, * and actively service the account. This reporting appears inconsistent because the account is being actively maintained and serviced while simultaneously being furnished to certain consumer reporting agencies as closed. Additionally, the payment history reporting appears inconsistent with the accounts actual servicing status. The account reflects ongoing delinquency progression while simultaneously remaining active and continuing to accept payments. I previously disputed reporting inaccuracies, yet the conflicting reporting continues. These inconsistencies raise concerns regarding compliance with : * FCRA 623 ( a ) ( 1 ) ( A ), requiring furnishers to provide accurate information, * FCRA 623 ( b ), requiring a reasonable investigation after notice of dispute, * and the obligation to furnish complete and consistent information to consumer reporting agencies. I am requesting that XXXX XXXX : 1. Conduct a full investigation into the inconsistent furnishing of this account across all consumer reporting agencies XXXX. Correct the inaccurate closed account reporting being furnished to XXXXXXXX XXXX XXXX if the account remains active XXXX. Provide a written explanation identifying : * when the account was allegedly closed, * how the account can simultaneously remain actively serviced and billed, * and why conflicting account statuses are being furnished across bureaus XXXX. Correct any inaccurate or misleading payment history or delinquency reporting XXXX. Ensure all future furnishing is accurate, complete, and consistent across all consumer reporting agencies I have attached supporting documentation showing : * active XX/XX/XXXX billing statements, * active online account servicing, * ongoing payment obligations, * recent payments, * and XXXX credit bureau reporting.

Company response to consumer: Closed with explanation