Consumer complaint received 2022-12-01
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my ( XXXX, and XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The status of the account is inaccurate and must be deleted immediately. This item has 3 violations- according to FCRA - Reporting utilization is illegal. Reporting late payment is illegal, and WRONG Account status.

Barclays Bank Delaware illegally reporting the consumer experience ( utilization and payment ), and account status on my consumer reports. 

BRCLYSBANKDE  XXXX # XXXX. 

List of violations ( this may increase as I review this account further ) : Barclays Bank DELAWARE is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) Barclays Bank DELAWARE is in clear violation of the law. Pursuant 15 US code 1666b ( a ) Barclays Bank DELAWARE is in clear violation of the law by wrongly characterizing an income as a collection account.

Barclays Bank DELAWARE is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) -- Exclusions - Except as provided in paragraph ( 3 ), the consumer report does not include - ( A ) subject to section 1681s-3 of the title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law clearly states : Transaction or Experiences between the consumer ( ME ) and the person ( You ) Barclays Bank DELAWARE making the report is NOT INCLUDED on the Consumer report!

Utilization and late payment are experiences with the line of credit that was extended between the consumer ( ME ) and the person ( You ) Barclays Bank DELAWARE that is making the report. Congress clearly states that the reporting of transactions or experiences between consumer and the person making the report is not included on the consumer report.

You are violating the FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( utilization ) on my consumer reports which congress clearly states that is not included on my consumer reports.

Barclays Bank DELAWARE is in clear violation of the law. Pursuant 15 US code 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Barclays Bank DELAWARE is in clear violation of the law by wrongly characterizing an income as a collection account.

Once 1099a or 1099c is filled as a result of charge-off the account becomes a taxable income. This makes the characterization of the account wrong. Barclays Bank Delaware is reporting an income. See attached Instructions for Forms 1099-A and 1099-C ( Rev. XX/XX/2022 ). 


Because of your illegal act and continued violation of my rights, I have been denied mortgage loans, personal and business loans, bank accounts, and credits by several banks for months. 


I am giving your 48 hours to delete the information. 

Failure to respond satisfactorily with the deletion of the above items will result in legal actions being taken against your company for which I also will be seeking {$1000.00} per violation for : 1. defamation of character 2. negligent non-compliance 3. civil liability 4. Mental anguish 5. FCRA 15 USC 1681 violations for willful noncompliance -616. Civil liability for willful noncompliance [ 15 USC 1681n ]

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