Consumer complaint received 2026-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
Subject : Barclays Bank Failure to Remove Fraudulent Credit Inquiry Following Confirmed Identity Theft Report On or about XX/XX/year>, Barclays Bank processed an application for a XXXX XXXX credit card using my personal information. I did not submit, authorize, consent to, or otherwise participate in this application. The application was fraudulent and unauthorized. 

Immediately upon discovering the unauthorized application, I contacted Barclays Bank 's Fraud and Security Departments and reported the application as identity theft and fraud. Barclays investigated the matter, confirmed that I had not applied for the credit card, and advised me that no account would be opened. Barclays representatives further informed me that the associated hard inquiry would be removed from my credit reports and that the necessary requests would be submitted to the applicable credit reporting agencies.

Despite these assurances, as of XX/XX/year>, approximately sixty days after the fraudulent application occurred, the Barclays hard inquiry remains on my XXXX  credit report. During this period, I have contacted Barclays on multiple occasions and have repeatedly been advised that requests have been submitted and that the matter would be resolved. However, the inaccurate inquiry continues to be reported. 

Because this inquiry resulted from a fraudulent and unauthorized application, it is not accurate information and should not be reported as part of my consumer credit file. Barclays has already acknowledged that I did not apply for this account and that the application was fraudulent. Continuing to allow the inquiry to remain on my credit report after being notified of the fraud raises serious concerns regarding Barclays ' obligations under the Fair Credit Reporting Act to ensure the accuracy of information furnished to consumer reporting agencies. 

I am requesting that Barclays Bank immediately : Submit any and all necessary requests to XXXX  and any other applicable consumer reporting agencies to permanently delete the fraudulent hard inquiry from my credit file. 
Conduct a review of the status of any prior deletion requests that Barclays claims were submitted and determine why the inquiry remains reported. 
Provide me with written confirmation that Barclays has determined the application was fraudulent and unauthorized. 
Provide me with written confirmation that Barclays has requested deletion of the inquiry, including the date such request was submitted and the consumer reporting agencies to which the request was sent. 
Ensure that no account, application history, internal fraud notation adverse to me, or related record arising from this fraudulent application is being reported or maintained in a manner that could negatively affect me in the future. 

I am seeking prompt resolution of this matter. I should not be required to continue disputing or monitoring an inquiry that Barclays has already acknowledged resulted from a fraudulent application. I request that Barclays take immediate corrective action and provide written documentation of the steps taken to resolve this issue. 

That version is firm, professional, and focused on facts and requested remedies without making legal claims that you may not yet be able to prove. It reads well for a CFPB complaint and puts Barclays on notice that you expect documentation and action.

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