Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am filing a formal complaint against Barclays Bank for inaccurately reporting late payments on my credit reports with XXXX XXXX, and XXXX. Barclays has reported 30-day late payments for the months of XX/XX/XXXX and XX/XX/XXXX, which I dispute as inaccurate. 

Despite my disputes, Barclays continues to report these late payments without providing adequate verification or correcting the inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ). 

Key Issues : 1. Inaccurate Reporting of 30-Day Late Payments : Barclays reported a 30-day late payment for June 2023 and another for July 2024 across XXXX, XXXX, and XXXX. 

I dispute the accuracy of these late payments because my records show that payments were made within the terms agreed upon. 

Reporting a late payment when the consumer was not actually late is a clear violation of federal law and consumer rights. 

2. Failure to Properly Investigate Disputes : I have previously disputed these late payments through the credit reporting agencies, but Barclays has failed to conduct a reasonable investigation as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

The comments on my credit report show " consumer disputes investigation completed consumer disagrees, '' meaning Barclays simply verified the debt without properly examining the evidence or circumstances.

3. Violation of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) Duty to Assure Maximum Possible Accuracy : Barclays is required to report only accurate information and to maintain procedures that ensure maximum possible accuracy.

Reporting late payments that are not valid violates this duty.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty to Provide Accurate Information : Furnishers like Barclays must not report information they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to Reinvestigate Disputes : Once a consumer files a dispute, furnishers must conduct a proper and reasonable investigation. Barclays failed to do so. 

Legal Precedent Supporting This Complaint : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Credit furnishers must go beyond a mere cursory review and conduct an actual investigation when a consumer disputes information. Barclays did not. 

XXXXXXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX. XXXX ) Furnishers and credit bureaus can be held liable for failing to correct inaccurate late payments after a reasonable investigation. 

XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) A creditor who continues to report misleading or inaccurate information after a dispute can be held liable under the FCRA. Barclays ' actions fit this pattern.

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