Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
In XX/XX/XXXX, I applied and was granted a revoking credit account with Barclays Credit Card ( XXXX XXXX XXXX XXXX product ). I started with a $ XXXX credit limit and now have $ XXXX available credit. 

In XXXX XXXX, I have had perfect payments as agreed, but Barclays has failed to report my account to XXXX and XXXX. As such, my credit score is XXXX points lower ( XXXX $ XXXX available credit is good, which is what is showing on XXXX XXXX XXXX when it should show $ XXXX available credit for excellent ) I have contacted Barclays to fix this issue with a manual submission of my updated account to the credit bureaus in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they refused to do so. They claim they automatically submit monthly on the XXXX, XXXX XXXX deny receiving the information. 

Barclays repeatedly refused to manually update my account, and when I requested evidence that they have properly submitted to XXXX and XXXX ( which the credit reports and companies confirm they are not ), Barclays has refused. 

They also refuse to remove a hard inquiry from XX/XX/XXXX, which should have been a soft inquiry, which takes my inquiry status from excellent to average. 

I have a XXXX, and I have repeated asked Barclays to permit filing of FCRA or other complaints by email or upload, and they have refused a reasonable accommodation under XXXX, requiring complaints by mail only. However, my mailed complaints have gone unanswered. 

Barclays ' continued failure to correct my perfect record, length of account and available credit with major credit bureaus have resulted in financial damages including denial of mortgage application with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Their non compliance with FRCA requirements gave resulted in {$16000.00} additional interest for XXXX and other loans due to a falsely lowered XXXX XXXX XXXX they refuse to correct. Damages also include {$3600.00} in fees for attorneys and accountants who have attempted to work with Barclays to simply report my account correctly, and as of today, the account js Reporting as if it does not exist on major credit bureaus. 

My falsely lowered XXXX  score also resulted in a decline by XXXXXXXX XXXXXXXX for a credit line increase due specifically to insufficient or low available credit because Barclays refuses to report my available credit or account at all. 

My falsely lowered XXXX score also reduced the increase in credit line I should have received from Barclays in XX/XX/XXXX, in a great irony as theyve used credit bureaus that dont even reflect my account due to their own failures. 

Barclays actions have falsely lowered my XXXX score for YEARS, and as a XXXX person of XXXX, and attorney, my civil rights have been repeatedly violated and I need intervention and appropriate fines and recovery of damages, including enforcement for Barclays to correctly report all my accounts and to provide reasonable accommodation for my XXXX. 

I am applying for a home loan NOW, and I need all of the credit bureaus to reflect my accurate information, and Barclays is a significant part of this and they refuse to update my information correctly without your intervention. 

I have submitted all evidence to Barclays and each credit bureau, yet nothing has changed for years. 

I have a unique opportunity to buy a home they will be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and it is critical that Barclays be compelled to 1. IMMEDIATELY report my account accurately so that it will reflect accurately on all three credit bureaus 2. Remove the hard inquiry theyve agreed to do yet have not yet done. 

This house is a unique opportunity for me and my family and Barclays has proven over the years that they will fail to do the right thing without regulatory oversight I also ask for consideration of using the full extent of FCRA to fine and recover damages caused by Barclays so they wont treat customers like this in the future.

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