Consumer complaint received 2022-12-04
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 information incorrect

Complaint:
I recently received a copy of my ( XXXX, and XXXX ) consumer report, and I noticed that it is reporting an item without my permission. 


BRCLYSBANKDE XXXX # XXXX. 


I have not given you ( Barclays Bank DELAWARE ) permission to furnish this item on my consumer report, therefore I am requesting it be deleted immediately. Barclays Bank DELAWARE is also committing fraud by NOT DISCLOSING TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. This action has led me to uncover several violations by Barclays Bank DELAWARE. 

This item has 2 violations that I want to identify at this point - according to FCRA - Obligations with respect to disclosures, and Permissible purposes of consumer reports. 


Barclays Bank Delaware illegally report item without my consent and written approval. 

BRCLYSBANKDE XXXX # XXXX. 


List of violations ( this may increase as I review this account further ) : Barclays Bank DELAWARE is in clear violation of 15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) Barclays Bank DELAWARE is in clear violation of 15 U.S. Code 1681b Barclays Bank DELAWARE is in clear violation of 15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information You ( Barclays Bank DELAWARE ), DIDNT DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT-OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer right have been violated, and I have been taken advantage of. This is a fraudulent omission of my right. 


Barclays Bank DELAWARE is in clear violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Barclays Bank DELAWARE furnished this report without my written instruction permission. This is a clear violation and fraud. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 


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 CEASE and DESIST from reporting this account to all customer reporting agencies.

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. XXXX  XXXX 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