Credit reporting, credit repair services, or other personal consumer reports — Bread Financial Holdings, Inc. (MI)

Their investigation did not fix an error on your report. Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. Per the Privacy Act as a federally protected consumer, I have a right to privacy. Per the Securities Exchange Act Comenity Bank agreed to discharge this debt so it can not be late. Per the International Bill of Exchange and Promissory Note Comenity Bank failed to tell me the federally protected consumer that they would securitize my promissory note which would be a violation in Truth in Lending Act. Any credit amount over {$1.00} is due to the consumer by the certificate of indebtedness. 15 U.S. Code 168