Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Subject : Notice of Dispute # XXXX Regarding Account Documentation Requests To Whom It May Concern, On XX/XX/XXXX, I sent requests for complete documentation regarding the following accounts associated with my name, issued by COMENITY BANK as of XX/XX/XXXX, I have not received the requested documents within the XXXX period stipulated in my initial requests. Additionally, I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, regarding the accounts listed below, citing your failure to provide the requested documentation and inaccuracies in credit reporting ( XXXX XXXXXXXX # XXXX and XXXX  XXXX # XXXX ). This letter serves as a second Notice of Dispute ( NOD # XXXX ) to formally address your non-compliance and to reiterate my request for the following account documentation : XXXX. Account # XXXX o Account Type : XXXX Charge Account o Opened : XX/XX/XXXX, Closed : XX/XX/XXXX o Credit Limit : {$400.00} o High Balance : {$600.00} o Status : Sold ; was Charged-off XXXX. Account # XXXX o Account Type : XXXX Charge Account o Opened : XX/XX/XXXX, Closed : XX/XX/XXXX o XXXX XXXX : {$200.00} o High Balance : {$480.00} o Status : Sold ; was Charged-off XXXX. Account # XXXX o Account Type : XXXX Charge Account o Opened : XX/XX/XXXX, Closed : XX/XX/XXXX o Credit Limit : {$100.00} o High Balance : {$590.00} o Status : Sold ; was Charged-off Requested Documents ( for each account listed above ) : Complete account statements showing all transactions Copies of original signed agreements for each account Documentation proving the accounts were legally transferred or sold Detailed accounting of how the final balances were calculated Proof of your authority to report these accounts to credit bureaus Grounds for Dispute : XXXX. Non-Compliance with Initial Request : COMENITY BANK has failed to provide the requested documentation within the XXXX period as required by law, despite my clear requests dated XX/XX/XXXX. 

XXXX. Inaccurate Credit Reporting : The accounts listed above have been reported to XXXX ( XXXX # XXXX ) and XXXX  ( XXXX # XXXX ) with potentially inaccurate details, including but not limited to the reported charge-off amounts and statuses, which can not be verified without the requested documentation. 

XXXX Required : You are hereby required to provide the requested documentation for all accounts listed above within XXXX days of receipt of this notice. Failure to comply may result in further escalation, including additional complaints to the CFPB and potential legal action to enforce my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Additionally, I request that COMENITY BANK investigate and correct any inaccuracies in the credit reporting of these accounts with XXXX XXXX XXXX. Please provide written confirmation of your investigation results and any corrections made. 

This notice is sent without prejudice and without recourse. I am not disputing the validity of the debts at this time but require the requested documentation to verify the accuracy of the accounts and their reporting. 

Sincerely, BY : XXXXXXXX XXXX/Agent FOR : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief