Consumer complaint received 2020-11-03
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I tried to resolve this credit issue with Barclays Bank Delaware but to no avail.Unauthorized Administration of XXXX XXXX, Estate [ XXXX ]. 
KNOW MEN BY THESE PRESENTS : I- XXXX XXXX XXXX am an Original XXXX XXXX XXXX XXXX from XXXX a Walking, Talking, Independent XXXX LIVING on the land of Republic America with righteous acknowledgment, Reclaiming in Glorious and Proper Capacity his Esteemed Honorable place as occupant of the EXECUTOR Office of XXXX XXXX XXXX Estate. 
Pursuant to section 609 ( a ) of the FAIR CREDIT REPORTING ACT ( FCRA ) I, The Executrix Office is respectfully demand and/or or request that I be furnished with a copy of any and all applications, contracts, documentation and/or information within XXXX XXXX credit file used to determine verification of each account being reported and that pursuant to 609 ( c ) ( 1 ) ( A ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) a summary of rights to be included with your disclosure for inspection and examination of the above referenced account. Please note : that Consumer is in compliance with 610 ( a ) ( 1 ) of the FAIR CREDIT REPORTING ACT ( FCRA ). XXXX XXXX as the rightful occupant of the Executor, Office of the aforementioned Estate, which is a beneficial estate for XXXX XXXX, Estate [ XXXX ]. 

These unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the Original Account-Level Documentation means : a ) Any documentation that a Creditor, or that Creditors agent ( such as a servicer ) provide to a Consumer about a Debt ; or b ) A complete transactional history of a Debt created by a Creditor, or that Creditors agent ( such as a servicer ) ; or c ) A copy of a judgment, awarded to a Creditor The Credit Bureaus must ensure and validate that the Creditors documentation on file is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

According to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, by and through, the physical verification of the genuine original wet ink signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof, in the form of a certified copy of my genuine original Consumer Contract with my Signature on same ( see Uniform Commercial Code 3-308. PROOF OF SIGNATURES ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, perhaps rising to misfeasance, which is defined in pertinent part as, The performance of a duty or act which one ought or has a right to do, but in a manner such as to infringe upon the rights of others, and/or malfeasance. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a certified, true, correct, complete and not meant to mislead copy of verifiable proof, you must remove the accounts listed below. 

Even though the law requires the credit reporting agencies to verify every account on consumer credit report before reporting on consumers credit file. In fact the lender never, ever, ever, sends the credit applications, signed contracts or any documents whatsoever before they report the items on consumer credit report to All credit bureaus. The CRA accept any and all credit items that a creditor sends to them electronically. They accept these credit items as true and correct and belonging to the consumer. The CRA simply place the information on consumer credit file with NO VERIFICATION. Provide proof of verification!! Please include the Original Account-level documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation