Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Capital Bank XXXX XXXX XXXX XXXX, OH. XXXX I am writing this in concern to detrimental and false inaccurate reporting of the Comenity account on my credit file. Attached you will find copies. 

RE : Account Number XXXX I recently pulled my credit reports and noticed there were false payments being reported on this charged off account across all three credit bureaus. The credit file states that there were XXXX on-time payments during the life of the account ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; however, I have never paid on this account ( pandemic ). I also noticed the credit limit magically increased a year later, on it's own, mind you this is not a physical credit card, it is a credit line at a dental office for XXXX procedure. 

Upon my research, Ive learned that creditors may often post false payments to extend or manipulate the statute of limitations. I also found a recent lawsuit ( XX/XX/XXXX ) that claims Comenity for FCRA violations as well. Allow me to post that here : " Civil Action XXXX XXXX XXXX XXXX Plaintiff v. COMENITY BANK/CAESARS, Defendant '' " XXXX asserts a claim under the FCRA based on the following : that Comenity falsely reported incorrect debt information to the national credit reporting agencies including but not limited to, the incorrect debt amount, account status, and status update. ( Id. ) '' citation : https : XXXX The entire time I have had this one thousand dollar debt, I have never made a payment. Allow me to understand why my credit reports shows that XXXX ( XXXX ) on-time payments were made and are on file. Once these false on-time payments were magically submitted, that allowed the debt to completely start over and for Comenity to keep calling me. Please show me proof that I made these payments. The dates that show on-time payments are as follows as shown on the credit reports : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please see XXXX report highlighted attached with the false " on-time payments '' to reset the debt. 

In regard to the falsified credit limit increase, while reviewing my credit reports, I also noticed the credit limit increased without my permission or knowledge in XXXX of XXXX, also see attached, circled. The original dental bill was {$1000.00}, in XXXX of XXXX XXXX, the credit limit magically increased to {$3900.00}. Need I remind you, this is not a physical credit card. This credit line quote was for a one time dental procedure. 

I feel as though I am a victim of fraudulent activity. Someone reported those payments to keep the account active and accessible to attempt to collect the debt as well as increased the credit limit without my permission or acknowledgement. 

Prior to sifting through my reports and finding these errors, I started to receive phone calls from XXXX XXXX XXXX who tells me Comenity Capital Bank had now sold the debt to them. Now that I am financially stable and, in the market, to finally purchase a house ( the entire reason I pulled my credit reports ), I went ahead and paid the debt in full through XXXX XXXX XXXX, their debt buyer, on XX/XX/XXXX. Please see that receipt attached. This was prior to me finding out about the fraudulent activity that they were reporting on my credit file. I wanted to settle the debt and continue to search for a house for my family. 

Due to the false and inaccurate reporting of on-time payments to extend the debt, and due to me recently paying the debt in full on XX/XX/XXXX prior to me finding the errors, I am simply requesting for this account to be removed permanently across all three bureaus and that the derogatory mark be removed as it is seriously affecting my credit score with this false information. 

It is completely not fair to be held accountable for something that I did not do. The credit reporting agencies, the bureaus, are supposed to make sure everything in my credit file is the most accurate. I feel taken advantage of and I just want to move on with my life but this is extremely detrimental to my credit score and a violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I hope we can come to a fair agreement. 


I appreciate your investigation into this matter CFPB, XXXX

Company response to consumer: Closed with explanation