Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Attention : Consumer Financial Protection Bureau I am submitting this formal complaint against MXXXX XXXX XXXX XXXXXXXX COMMENITY BANK for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., as well as applicable federal consumer protection laws. This company has failed to comply with their legal obligations regarding the inaccurate and unlawful reporting of a charged-off account on my credit file. 

On XX/XX/year>, I initiated correspondence with XXXX XXXX XXXX  CARD via certified mail, disputing the reporting of an alleged debt. I clearly requested verification, documentation, and validation of this alleged debt as required under the FCRA ( 15 U.S.C. 1681i ( a ) ) and related federal statutes. I allowed a period of 30 days for XXXX XXXX XXXX CARD to investigate and provide written confirmation, yet no validation or documentation has been received to date supporting their alleged debt and reasoning of illegally reporting to the credit bureaus. 

Despite their failure to provide evidence XXXX XXXX XXXX  CARD continues to report this charged-off debt as delinquent on my credit report. This is in direct violation of : FCR

A, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibiting the furnishing of information known or reasonably believed to be inaccurate. FCRA, 15 U.S.C. 1681i ( a ) : Requiring credit reporting agencies and furnishers to conduct a reasonable reinvestigation of disputed information within 30 days.

FCRA, 15 U.S.C. 1681s-2 ( b ) : Obligating furnishers of information to correct and update information they find to be inaccurate or unverifiable. 


Because XXXX XXXX XXXX CARD has failed to validate, verify, or otherwise substantiate this alleged debt, they are legally obligated to remove it from my credit report. Continuing to report unverified or inaccurate information not only violates the FCRA but also constitutes unfair and deceptive practices under federal consumer protection law. 

This unlawful reporting has caused me severe financial hardship, including denial of credit opportunities, increased costs of borrowing, and reputational harm. Each violation of the FCRA carries potential statutory damages of {$1000.00} per violation, plus recovery of attorneys fees and costs. 

Accordingly, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take immediate enforcement action to ensure XXXX XXXX XXXX CARD complies with its statutory obligations. Specifically, I request that : The inaccurate charged-off debt immediately rectified by the following : XXXX. Permanently removed from my credit report and updates to all XXXX major credit bureaus XXXX. XXXX XXXX XXXX CARD provide full documentation of their investigation and proof of compliance with the FCRA. 
XXXX. The CFPB issue appropriate sanctions or penalties for these repeated violations. 


This is my final attempt to resolve the matter without litigation. If XXXX XXXX XXXX  CARD continues to disregard its obligations under federal law, I will have no choice but to pursue immediate legal action, including filing suit for all statutory damages, attorneys fees, and additional remedies available under law. 

Attached please find copies of my prior correspondence, certified mail receipts, and other supporting documentation.

Company response to consumer: Closed with non-monetary relief