Consumer complaint received 2025-09-14 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: CA

Complaint narrative:
Experian FCRA 611 Reinvestigation + Method of Verification Date : XX/XX/XXXX Via Certified Mail, RRR To : XXXX XXXX XXXX XXXX XXXX, TX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : ( XXXX ) XXXX XXXX : XX/XX/XXXX Last XXXX SSN : XXXX Subject : FCRA 611 ( a ) Reinvestigation XXXX XXXX XXXX ( Acct XXXX ) Dear XXXX Dispute Department, I dispute the accuracy and completeness of the following tradeline and invoke FCRA 607 ( b ) and 611 ( a ). Please conduct a reasonable reinvestigation and either delete the item if unverifiable or correct all fields as specified below. 

Tradeline disputed : Furnisher : XXXX XXXX XXXX ( debt buyer ) Original Creditor : Comenity Bank Account # : XXXX Reported balance/past-due : {$720.00} ( as of XX/XX/XXXX ) Opened : XX/XX/XXXX Status updated : XX/XX/XXXX Terms : 1 month Responsibility : Individual Specific inaccuracies/ incompleteness ( Metro 2 focus ) : Ownership/chain of title not substantiated : verify Midlands legal authority to report/collect ( XXXX details ) and identify the source furnisher used to verify. 

XXXX XXXX ( FCRA 623 ( a ) ( XXXX ) ) : the Date of First Delinquency from the XXXX must be present and accurate ; it controls obsolescence under XXXX ( a ) / ( c ). 

Amount/itemization not substantiated : the {$720.00} balance and past-due require an itemized accounting ( principal/fees/interest/credits ) traceable to the XXXX. 

Duplicate/overlap risk with OC reporting : the related ComenityBank/Victoria OC tradeline reflects sold/ {$0.00} ; confirm no duplicate balance is being reported by XXXX and XXXX simultaneously. 

Requested remedies : Delete the tradeline if XXXX can not verify field-by-field accuracy, including DOFD and legal ownership, within the statutory timeline. 
Otherwise correct all fields to conform to FCRA and XXXX XXXX ( accurate DOFD, verified ownership, itemized amount, and no duplicate balance ). 
Provide the description of the procedure used to determine the accuracy ( Method of Verification ) under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ), including the name, address, and telephone number of the furnisher ( s ) contacted.

Enclosures : Government ID ; proof of address ; highlighted report page ( s ) for this tradeline. 

Sincerely, XXXX XXXX XXXX ( Sign ) Comenity Bank FCRA 623 ( a ) ( 8 ) Direct Dispute XXXX XXXX  Request Date : XX/XX/XXXX Via Certified Mail, RRR To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : ( XXXX ) XXXX XXXX : XX/XX/XXXX Last XXXX SSN : XXXX Subject : Direct Dispute under FCRA 623 ( a ) ( 8 ) Former Comenity Bank account sold to XXXX XXXX XXXX XXXX XXXX Acct XXXX ) To Whom It May Concern : I am filing a direct dispute pursuant to FCRA 623 ( a ) ( 8 ) regarding information furnished ( or previously furnished ) by Comenity Bank to consumer reporting agencies relating to a former Comenity Bank account that was sold/assigned to XXXX XXXX XXXX ( XXXX Acct XXXX ). Under FCRA 623 ( b ), Comenity must conduct a reasonable investigation, correct or delete any inaccurate or unverifiable information, and report the results to each CRA to which it furnished the information. 

Disputed items/ requested corrections ( XXXX XXXX focus ) : DOFD ( FCRA 623 ( a ) ( XXXX ) ) : provide and furnish the Date of First Delinquency from your records ; XXXX controls obsolescence under FCRA 605 ( a ) / ( c ). 

Sold/Transferred status and {$0.00} balance : if this account was sold, the XXXX tradeline must reflect {$0.00} balance, {$0.00} past-due, and sold/transferred, with no new delinquency codes after the sale/closure date. 

No duplicate balance : confirm there is no duplicative collectible balance being reported by Comenity and XXXX simultaneously. 

Amount/itemization at sale : confirm the charge-off balance at sale and correct any amounts furnished to CRAs that are inconsistent with your records. 

XXXX requested : If Comenity no longer furnishes this account, confirm in writing and ensure any legacy OC tradeline reflects accurate XXXX, {$0.00} balance, proper sold/transferred narrative, and no post-sale lates. 
If Comenity does furnish or has furnished this item, correct the above fields across all CRAs or delete the tradeline if any disputed field can not be substantiated. 
Provide written results of your investigation and confirmation of updates sent to the CRAs as required by FCRA 623 ( b ). If you deem this dispute frivolous or irrelevant, please notify me within 5 business days with the specific reason and what information you require to investigate ( FCRA 623 ( a ) ( 8 ) ( F ) ). 

Identifiers to locate the account : consumer information above ; reference : XXXX XXXX XXXX account XXXX ; activity reflected in my file around XXXX. 

Enclosures : Government ID ; proof of address ; highlighted credit report pages referencing the XXXX item. 

Sincerely, XXXX XXXX XXXX ( Sign ) XXXX XXXX XXXX FDCPA 809 ( b ) Validation & Cease Pending Mailed Verification Date : XX/XX/XXXX Via Certified Mail, RRR To : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : ( XXXX ) XXXX Re : FDCPA 809 ( b ) Validation Request Acct XXXX ( XXXX : Comenity Bank ) To Whom It May Concern : I dispute this alleged debt and request validation under 15 U.S.C. 1692g ( b ). Until you have mailed proper validation, you must cease all collection, including credit reporting updates.

Provide the following by mail : Itemized accounting of the amount demanded ( principal, interest, fees, payments/credits ). 

The name of the current creditor and proof you have authority to collect ( assignment/sale documents chain of title from Comenity Bank XXXX XXXX ) XXXX 

Documentation showing I am liable, such as the underlying account agreement or billing statements from the original creditor. 

The Date of First Delinquency as reported by the original creditor. 

If you furnish information to any consumer reporting agency, you must report that this account is disputed by consumer ( FCRA 623 ( a ) ( 3 ) ), and you must not report false, deceptive, or misleading information ( FDCPA 807 ) or engage in unfair practices ( 808 ).

This is not a refusal to pay ; it is a request for validation and accuracy. Please correspond in writing only to the address above.

Experian ( FCRA 611 ) A full reinvestigation, field-by-field ( ownership, DOFD, amount, status ). 

Confirmation that theres no duplicate balance with the XXXX. 

The Method of Verification : description of the procedure and the name, address, and phone of the furnisher ( s ) they contacted. 

Either delete if unverifiable or correct all fields. 

XXXX XXXX XXXX FDCPA validation ( 809 ( b ) ) Itemized accounting of the amount ( principal, interest, fees, payments/credits ). 

Current creditor name. 

Proof of authority to collect ( assignment/sale docs full chain of title from Comenity Bank XXXX XXXX ) XXXX 

Docs proving liability ( contract/billing statements ). 

DOFD as reported by the original creditor. 

Mark the account disputed by consumer. Cease collection/credit reporting updates until validation is mailed. 

XXXX XXXX XXXX FCRA direct dispute ( 623 ( a ) ( 8 ), 623 ( b ) ) Chain of title proving reporting/collection authority. 

XXXX received from the XXXX ( for obsolescence accuracy ). 

Ledger/itemization reconciling the reported balance and past-due. 

Confirmation theres no duplicate balance with the XXXX. 

Correct or delete and report results to all CRAs ; if claiming frivolous, send a XXXXbusiness-day notice stating whats needed.

Comenity Bank ( furnisher ) FCRA direct dispute ( 623 ( a ) ( 8 ), 623 ( b ), 623 ( a ) ( XXXX ) ) The XXXX from Comenitys records. 

Proper OC reporting : sold/transferred with {$0.00} balance and no post-sale lates. 

Confirmation of no duplicate balance with XXXX. 

Charge-off balance at sale / itemization and correction of any mismatched amounts. 

Investigation results and confirmation of updates to all CRAs ; XXXX frivolous notice if applicable. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief