Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am submitting this formal refiling complaint against BARCLAYS BANK DELAWARE for its continued furnishing and republication of inaccurate, incomplete, and unverifiable information on my consumer credit reports, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), 1681s-2 ( b ), and 1681i, as well as the California Consumer Credit Reporting Agencies Act ( CCCRAA ), California Civil Code 1785.101785.25 . Despite multiple written disputes and clear notice of error, BARCLAYS BANK DELAWARE has failed to correct known inaccuracies, demonstrating negligent and willful disregard for its statutory duties as a furnisher of consumer information.

False delinquency reporting The account at issue is reported as follows : Creditor/Furnisher : Barclays Bank Delaware Account number : XXXX Date opened : XX/XX/year> Reported balance : {$11000.00} This account is falsely reported as containing a 30-day late payment and other negative information that does not reflect my actual payment history. No valid delinquency occurred as reported, and the adverse notation is unsupported by competent evidence. Reporting a false late payment materially misrepresents my creditworthiness and unlawfully signals default where none exists.

Violations of furnisher duties under federal and California law Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( FCRA 623 ( a ) ( 1 ) ( A ) ) and California Civil Code 1785.25 ( a ), furnishers are strictly prohibited from reporting information they know, or have reasonable cause to believe, is inaccurate. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 2 ) requires furnishers to promptly correct and update information once inaccuracies are discovered.

Upon receipt of notice of dispute from a consumer reporting agency, BARCLAYS BANK DELAWARE is legally required under 15 U.S.C. 1681s-2 ( b ) ( 1 ) and California Civil Code 1785.25 ( g ) to conduct a reasonable, good-faith reinvestigation and to provide verifiable documentation substantiating the accuracy of the reported data. To date, BARCLAYS BANK DELAWARE has failed to produce any billing statements, payment histories, transaction records, or other competent evidence supporting the alleged 30-day late payment.

A superficial or automated confirmation of previously reported datawithout review of actual payment recordsdoes not satisfy the reinvestigation standard imposed by federal or state law. 

Continued reporting after dispute and unfair practices Despite the ongoing dispute, BARCLAYS BANK DELAWARE has continued to furnish this inaccurate information to XXXX XXXX and XXXX. Continuing to report disputed and unverifiable data violates 15 U.S.C. 1681s-2 ( a ) ( 2 ) and constitutes an unfair and deceptive business practice under California Business and Professions Code 17200. 

This conduct demonstrates a systemic failure to maintain reasonable procedures to assure maximum possible accuracy and reflects reckless disregard for consumer protection obligations. 

XXXX XXXX violations and consumer harm As a furnisher of credit data, BARCLAYS BANK DELAWARE is required to comply with XXXX XXXX reporting standards, which mandate accuracy, completeness, consistency, and verifiability of all furnished information. Reporting a false delinquency without documentary support constitutes a clear violation of these standards. 

The continued publication of this misinformation has caused measurable harm, including damage to my FICO scores, impairment of my credit reputation, increased cost of credit, and loss of access to fair lending opportunities. These injuries are cognizable harms under 15 U.S.C. 1681n and 1681o ( FCRA 616617 ) and California Civil Code 1785.31.

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