Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX XXXX ), XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX RE : Formal Cease-and-Desist Demand for Reporting Inaccurate Information Case No. XXXX Cease-and-Desist Demand under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) in relation to your repeated and willful reporting of inaccurate, unverifiable, and unauthorized information about me to the credit reporting agencies ( XXXX, XXXX, and XXXX ). Despite my numerous attempts to resolve these issues, including certified mail correspondence providing proof of inaccuracies, you continue to report false and misleading information, causing significant and ongoing harm to my credit, reputation, and financial future. 

Additionally, I have filed a lawsuit under XXXX XXXX. XXXX against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX , and the credit reporting agencies for your collective violations of federal law. Your conduct has caused substantial financial, emotional, and reputational damages, which you will be held accountable for under federal law. 

Violations of Federal Law 1. Reporting Without Written Consent 15 U.S.C. 1681b ( a ) : Under the FCRA, a creditor must have a permissible purpose, including express written authorization, to report a consumers personal or financial information to credit reporting agencies. I have never provided written consent to any of the named creditors to report information about me to credit bureaus. Your actions constitute unauthorized access and reporting, violating my privacy and federal law. 
2. Failure to Ensure Accuracy 15 U.S.C. 1681e ( b ) : The FCRA requires furnishers of information to ensure the maximum possible accuracy of data reported to credit bureaus. Your failure to meet this standard has resulted in repeated and harmful inaccuracies on my credit reports. 
3. Failure to Conduct Reasonable Investigations 15 U.S.C. 1681i ( a ) : Upon receipt of a dispute, furnishers and credit reporting agencies are required to conduct a reasonable investigation to determine the accuracy of the disputed information. Despite my repeated notifications and certified letters, you have failed to investigate or correct the inaccuracies. 
4. Continuing to Report Disputed Information 15 U.S.C. 1681s-2 ( b ) : Federal law prohibits furnishers from continuing to report disputed information without verification. Your ongoing reporting of inaccurate and disputed data constitutes reckless disregard for the FCRA and consumer rights. 
5. Civil Liability for Willful Noncompliance 15 U.S.C. 1681n : Under the FCRA, each willful violation of the Act entitles me to statutory damages of {$1000.00} per inaccurate reporting instance, in addition to actual damages, punitive damages, and attorneys fees. Each inaccurate entry on my credit report constitutes a separate violation. 
6. Deceptive Practices 15 U.S.C. 1692e : The FDCPA prohibits creditors from engaging in deceptive practices, including misrepresentation of the nature or status of a debt. Your false reporting practices violate this provision. 

Harm Caused by Your Actions Your continued noncompliance has caused significant and measurable harm, including but not limited to : 1. Financial Losses : I have lost over {$100000.00} in business deals, as your inaccurate reporting has destroyed my creditworthiness and ability to secure financial and professional opportunities.

2. Emotional and Physical Distress : Your unlawful actions have caused me undue stress, XXXX, and emotional anguish, directly impacting my health and the stability of my familys future.

3. Reputational Damage : Your false reporting has severely damaged my personal and professional reputation, hindering my ability to conduct business effectively.

4. Violation of Privacy : Reporting my information to credit bureaus without my express written consent is a violation of my privacy rights and federal law. 

Cease-and-Desist Demand I hereby demand that all named parties : 1. Immediately cease and desist from reporting any information about me to any credit reporting agency, including XXXX, XXXX, and XXXX. 
2. Remove all negative information from my credit reports, including but not limited to data reported by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ), XXXX XXXX, XXXX, and XXXX XXXX XXXX. 
3. Conduct a full investigation into my disputes and provide written confirmation within 15 days of receipt of this letter that the disputed entries have been deleted or corrected. 

Consequences of Continued Noncompliance If you fail to comply with this demand, I will pursue additional legal remedies, including : 1. Escalating Damages : Under 15 U.S.C. 1681n, I will seek {$1000.00} per inaccurate entry as statutory damages, punitive damages for willful noncompliance, and recovery of financial losses exceeding {$100000.00}, as well as compensation for emotional distress and reputational harm. 
2. Regulatory Complaints : I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory bodies to report your violations of the FCRA and FDCPA. 
3. Court-Imposed Sanctions and Additional Claims : Your ongoing noncompliance will be submitted as further evidence in XXXX XXXX. XXXX to request sanctions and expanded claims for damages caused by your willful disregard for the law. 

Final Warning This is your final notice. Your continued violations of federal law and refusal to take corrective action are not only unlawful but demonstrate reckless indifference to the harm you have caused to my credit, reputation, and familys future. Failure to comply will result in further legal and regulatory actions. 

My one and only address is XXXX XXXX XXXX, XXXX, La XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief