Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Continuation of XXXX NEW RESPONSE : I am filing a follow-up complaint regarding inaccurate credit reporting that was not resolved in my previous case. 
The company reported my account as 30 days late for XX/XX/year> after two of my scheduled payments were reversed due to an error caused by my accountant. Once I became aware of the issue, I immediately made a payment on XX/XX/XXXX to bring the account current ON A RECORDED PHONE CALL. 
In their previous response, the company claims they notified me of the returned payments through an XX/XX/XXXX letter and by a billing statement. However, they have refused to provide any proof that this notification was actually sent or delivered to me. EVEN IF THEY DID PROVIDE PROOF I MADE A PAYMENT ON XX/XX/XXXX, 5 DAYS AFTER THE SUPPOSED LETTER. I did receive an email on XX/XX/XXXX stating that my XX/XX/XXXX payment was returned, but I didn't see that until I received a call on XX/XX/XXXX. That gives no right to make my account delinquent if I made a payment 10 days after receiving a notification. 

I am disputing their claim of notification because : - I did not receive the letter they referenced. 
- They did not provide a copy of the letter. 
- They did not provide proof of mailing or system delivery. 
- They did not provide the billing statement showing the returned payment notice. 
Without proof of proper notification, they reported a delinquency that I was not given a fair opportunity to resolve before my credit was damaged. 
I am formally requesting : Removal of the XX/XX/year> 30-day late mark from all credit bureaus ( XXXX XXXX XXXX XXXX ) . 
Written proof of the notification they claim was sent through email, including proof of mailing or delivery. 
Written confirmation once the correction to my credit has been submitted and completed. 
If the company continues to report this late mark without providing proof of prior notification, I believe this constitutes unfair and inaccurate credit reporting under the Fair Credit Reporting Act. 

I ask the CFPB to require the company either to provide documented proof of notification giving me a chance to correct this issue before it is reported to the bureau or to correct and remove the negative credit reporting. 


OLD RESPONSE : XXXX XXXX Comenity Capital Bank incorrectly reported one of my payments as late, even though the payment was submitted on time. My accountant submitted the payment on schedule, but it was later reversed due to an accidental dispute. I received no notification from XXXX XXXX Comenity Capital Bank that the payment had been rejected. I only became aware of the issue after it had already been reported to the credit bureaus. Had I been properly notified, I would have immediately resolved the situation. Once I was contacted by XXXX from XXXX XXXX Comenity Capital Bank on XX/XX/XXXX, I brought the account current that same day. Because I was never informed that my payment was rejected, I am requesting that XXXX XXXX Comenity Capital Bank update their records and remove the late payment reporting. The lack of notification prevented me from addressing the issue in a timely manner, despite my clear intent and effort to make the payment on time. On XX/XX/XXXX, I sent a certified letter to Comenity Capital Bank explaining the issue, but received no response or resolution. In late XXXX or early XXXX, I spoke with a representative ( a gentleman whose name I unfortunately dont recall ) who CONFIRMED that I was never notified about the rejected payment until after it was reported 30 days late to the credit bureaus denying me a fair chance to correct it. That phone call should have been recorded and can serve as proof. Following that conversation, I sent another letter on XX/XX/XXXX to Comenity Capital Bank again requesting documentation proving I was properly notified. I stated that if no such proof exists, the late payment should be updated or removed from my credit report. I received no response. Additionally, on XX/XX/XXXX, I received an email stating that my payment was returned, but it did not specify whether it referred to the XX/XX/XXXX or XX/XX/XXXX payment. If it referred to XXXX, I made a full payment of {$160.00} on XX/XX/XXXX during my phone call with XXXX, so XXXX should not be marked delinquent. If it referred to XXXX, that only further supports my point that I was not notified until after the account was reported late to the credit bureaus. My payments are due on the XXXX or XXXX of each month, so receiving a returned payment email on XX/XX/XXXX for XX/XX/XXXX payment clearly shows that the notice came after the credit reporting occurred.

Company response to consumer: Closed with non-monetary relief