Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I was approved for a store credit card with Wayfair/Comenity Bank , covid hit and lost job, became XXXX spent years in XXXX dealing with application process while clawing my way out from under the magnitude of effects from identity theft. During which time the local post office was refusing delivery of any mail to my home that had my name on the letter as the person to receive it. I don't know why and don't understand but many phone calls complaining about every letter and document and form from social security, info from companies needed fighting identity theft, bills anything in my name refused delivery and returned to sender for XXXX years. I even filed mail fraud report against the USPS for refusal of delivery to my address only letters with my name on them, all other mail delivered no problem. All of this is relevant to why it has taken so long to get to this point of trying to fix credit. Unable to make payments due to loss of job and then XXXX application took over XXXX years while dealing with an outrageously frustrating complicated situation. After identity theft and after ftc closed my identity theft report and marked it as resolved because I didn't sign in to add more information for XXXX weeks but this hasn't ended, I just recently had my social security number use/found associated with someone else 's name and personal info, since it and all other identifying information about me has been for sale on dark web since end of XXXX XXXX. Constant breaches and data leaks and passwords leaked and notices from other companies where health insurance data was accessed and stolen and then the XXXX department XXXX XXXX and then the mother of all breaches and then XXXX data breach resulted in hacked XXXX account. XXXX refused to close it after I got locked out and informstion for authorization was all changed which is how my identity was stolen. I think XXXX should be held liable for the enormous amount of people the left unable to do anything about hackers stealing accounts and then ruining lives while any other company XXXX XXXX XXXX XXXX would give assistance XXXX just allows hackers and identity thieves free reign over any account the want to take. Basically XXXX giving permission to do so by not even engaging with the person effected but that's another issue for another time. Right now I am in process of trying to fix credit. I worked really hard got my score up to a reasonable place right before covid hit and lost job but what killed my credit score were false reports from navient stating loans being obtained years before actual date of loan approval, falsely reporting missing every payment every month on an active account for XXXX loans from XXXX to XXXX. I never missed a payment! Also reported during the implementation of protections that ordered a stop to credit reporting. Score dropped nearly XXXX points and when finally a somewhat accurate report was submitted after dispute my credit went up s whopping XXXX points. That's my main issue and the thing that has been driving me insane for years, false illegally obtained report de dropped my score ensuring I can't get phone service an apartment a vehicle loan which I'm desperate for since covid left me bed ridden for 3 years and can barely move around the house let alone get to grocery store. On XXXX so I can't afford food let alone paying off delinquent accounts, this is when I started paying closer attention to credit score. I have noticed wrong information reported about the Wayfair store credit account inaccuracies like approved credit limit, they show much lower credit limit making it look like I went way over that limit when I did not. Also reported missed payments I know I made. I have disputed with XXXX  and other credit agencies so many times to correct that information that now we are in collections the missed payments that used to show on Comenity banks reports now just show no data available except this information that is displayed is wrong. I am unsure why it hasn't been fixed I don't think XXXX  finds this relevant enough to make a change and I only have XXXX screen shot showing part of the letter from my approval of Wayfair store card showing only the account number and the credit limit approved. I have disputed with XXXX  who states their no reason to believe collection agency 's information is wrong. I have written to Comenity Bank twice now requesting they send copy of my credit store card agreement, statement history for proof of payments even if they aren't reported now as missed payments just NO DATA I still want validation that I was right. Comenity just sends a letter saying they sold the debt and if need any information about the account to contact the collection agency. The collection agency doesn't have my history of payments purchases true credit limit etc. I have a screenshot of a receipt of a purchase approved by Wayfair for a total that is much higher than the credit limit that is stated on my credit report but that's because I had a much higher credit limit. I never went over it or missed a payment until I was destitute and nearly homeless starving and XXXX exhausted dealing with identity theft and the theft of that XXXX account where ALL MY INFORMATION was stolen which included XXXX  of every purchase every payment every statement every bank account credit card any purchase I've ever made online. I lost everything including every photo that existed of me and the love of my life who died in XXXX along with the only other XXXX people I had and cared about in my life all in the same year. I'm tired of fighting and being met with so many obstacles making every single thing in my life so much more difficult than ever need to be. If they won't provide proof of my approved credit amount on a revolving store credit account where every form of proof of this account is done via internet except the approval letter that I only have a partial screen shot for. Which does show Wayfair approved credit limit with my account number. And a receipt of a XXXX dollar purchase ( XXXX present for mom and Dad ). At time of purchase I had no way to know if never be able to pay it back. I feel terrible that I can not pay it back but I can't sympathize with the company when my life is a mess and I desperately need to improve my credit score so I XXXX.... Be an adult.... Get groceries .. put ANYTHING in my own name! So they may not thing that displaying the wrong credit limit is so bad but if the credit limit is wrong and their is no other data about payments and I've been dealing with these identity thieves so long that who knows, it might not be my debt. I'm sure it is but they should have at least corrected the credit limit to reflect that I did not spend hundreds over and then just purposely run off with my purchases and never pay them back their were so many things that were going wrong all at the same time and it's still all just as terrible just with fewer attacks by identity thieves. I want this account removed from my report I think I submitted disputed over the info being. Wrong since before it was put in collections .. now I'm fed up and can't take one more day of staring down at these screens filing complaint forms writing letters then having to walk them to a mailbox which ever since getting covid is SO MUCH MORE DIFFICULT THAN ANYONE CAN IMAGINE. And that's assuming I can get out of bed that day Please just hold these companies accountable for putting correct info on my credit reports or make them remove it if they can't!?! I'm begging

Company response to consumer: Closed with explanation