Consumer complaint received 2025-09-21 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: PA

Complaint narrative:
XXXX RE : Formal Complaint FCRA Violations Regarding Account # XXXX Please be advised that this letter constitutes a formal and final complaint concerning the inaccurate, misleading, and inconsistent credit reporting activity associated with account number XXXX, as recently reaffirmed in the credit bureau reinsertion dated XX/XX/XXXX. This correspondence serves as notice that your continued reporting of materially false information specifically, the simultaneous notation that this account was both paid as agreed on XX/XX/XXXX and also marked XXXX  days delinquent for the same period is not only factually indefensible but also legally noncompliant. This dual reporting is inherently contradictory and constitutes a breach of your obligations under the Fair Credit Reporting Act ( FCRA ). Furthermore, these errors have persisted for a period of no fewer than XXXX to XXXX months despite repeated disputes and documentary evidence to the contrary. Such disregard for accuracy, federal law, and consumer harm is unacceptable and can not be allowed to continue. 
On XX/XX/XXXX, a consumer credit report from a XXXX XXXX XXXX XXXX reflected that the above-referenced account had been reinserted following a prior deletion. Said reinsertion was accompanied by no notice of investigation results as required under the FCRA. The statement provided reads as follows : INVESTIGATION RESULTS- REINSERTED : This previously deleted item ( XXXX ) has been verified ; therefore, it has been added back to your credit report. 
The nature and outcome of that alleged verification remain undocumented. The burden remains on you, the furnisher, to ensure maximum possible accuracy at all times. 
VIOLATIONS OF FEDERAL LAW FCRA 1681i ( a ) ( 5 ) ( B ) : Failure to provide written notification of reinsertion within XXXX ( XXXX ) business days following the completion of the reinvestigation. 
FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy by reporting both timely payment and XXXX delinquency for the same period. 
FCRA 1681s-2 ( b ) : Failure to conduct a reasonable investigation and correct erroneous data after notification of dispute. 
FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) : Absence of accessible contact information during reinvestigation procedures.

Metro 2 Compliance Violation : Incompatibility of simultaneous 'Paid as Agreed ' and delinquency indicators, in violation of industry-standard formatting. 
FORMAL REQUESTS FOR RELIEF Immediate and permanent deletion of the disputed tradeline from all credit reporting agencies. 
Written assurance that no further inaccurate information will be furnished regarding this account. 
Correction or removal of all derogatory marks inconsistent with verified payment history and industry standards. 
Absent immediate resolution of this matter, including full removal of the account or rectification of all inaccuracies, I will pursue all legal remedies available under FCRA 616 and 617. These may include statutory damages, actual damages, punitive damages, and attorneys fees. Furthermore, I am formally demanding monetary compensation for each month of misreporting and the distress caused by your repeated and willful violations of federal law. Each monthly infraction represents a separate actionable offense. This letter shall serve as your final opportunity to resolve this matter amicably prior to escalation through litigation or formal regulatory complaint. 
Enclosure : Exhibit A Credit report excerpt demonstrating conflicting payment status for XX/XX/XXXX. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with non-monetary relief