Consumer complaint received 2025-05-01 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:
Subject : Formal Complaint Inaccurate and Misleading Reporting by Comenity Bank ( XXXX XXXX Account ) Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against Comenity Bank, the issuer of the XXXX XXXX credit card, for inaccurate, misleading, and potentially unlawful credit reporting practices that are now negatively affecting my credit profile on all three credit bureaus : Experian, Equifax, and TransUnion. 


1. Blended/Merged Account Reporting I have reason to believe that Comenity Bank has XXXX combined two separate XXXX XXXX credit card accounts into one tradeline. To my knowledge : I originally opened a XXXX XXXX card through Comenity Bank in XXXX, which was eventually charged off and closed. 
Years later around XXXX or XXXX I opened what I believe was a new and separate Victorias Secret account, which was subsequently also charged off during the XXXX pandemic. 

My credit reports, however, only reflect a single Comenity BanXXXX XXXX account XXXX XXXX with : Open Date : XX/XX/XXXX Charge-Off Balance : {$840.00} Last Payment Date : XX/XX/XXXX Status Updated : XX/XX/XXXX Credit Usage : 169 % ( based on a {$500.00} limit ) Reported as Past Due as of XX/XX/XXXX This blended reporting misrepresents the account history by giving the false impression that I maintained a single, continuous account from XXXX through XXXX. This is both factually inaccurate and legally misleading, and it violates FCRA 607 ( b ), which requires consumer information to be reported with maximum possible accuracy. 


2. Potential Re-aging and Reporting Beyond Legal Limits If the original XXXX account was charged off prior to XXXX ( which is likely ), then continuing to report its information today violates FCRA 605 ( a ), which prohibits reporting charge-offs or negative information more than XXXX years from the date of first delinquency. 

By combining the XXXX and XXXX accounts, Comenity Bank is unlawfully extending the life of a previously charged-off account, misrepresenting the timeline of delinquency, and creating an unfair derogatory impact on my credit reports. 


XXXX. No Supporting Documentation or XXXX XXXX Comenity Bank has not provided any documentation to validate the accuracy of this tradeline, including : A signed credit agreement bearing my name An itemized breakdown of charges that resulted in the {$840.00} balance Clarification of whether this tradeline represents XXXXne or two accounts A legitimate explanation of the reported credit usage of 169 % Without such verification, this tradeline remains unsubstantiated and legally questionable under FCRA 609 ( a ) ( 1 ) and FCRA 611 ( a ) ( 1 ), which require credit furnishers to provide complete information upon dispute and delete unverifiable data.

4. Violation of Reinsertion Rules ( FCRA 611 ( a ) ( 5 ) ( B ) ) This Comenity Bank account did not appear on my credit reports for a period of time and has since reappeared across all three bureaus. I received no notice of reinsertion as required by FCRA 611 ( a ) ( 5 ) ( B ) ( ii ), which mandates that the consumer be notified within five business days if a previously deleted or removed tradeline is reinserted. 


Requested Resolution Given the serious nature of these violations, I respectfully request that the CFPB : XXXX Comenity Bank for inaccurate reporting practices and account merging ; XXXX Comenity to produce full documentation of any XXXX XXXX accounts opened under my name ; If two accounts existed, require that they be reported separately and accurately, or deleted if that is not possible ; Direct the removal of the Comenity BankXXXX XXXX account XXXX all three credit bureaus if the data can not be validated in full and in compliance with FCRA. 

Attached is a copy of the credit report screenshot displaying the reporting details as well as all relevant account information. 

Thank you for your time and attention. I look forward to a full investigation and timely resolution.

Company response to consumer: Closed with non-monetary relief