Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am writing to formally dispute the following inaccurate and unverifiable information appearing on my credit report. This item is damaging my creditworthiness, and I demand that you immediately conduct a reasonable investigation and permanently delete it from my credit file. 

Account in Dispute : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX This account is listed as a collection with a remark indicating it was " PLACED FOR COLLECTION. '' I do not recognize this debt, and I have never entered into any contract with XXXX XXXX XXXX XXXX As a third-party debt buyer, XXXX XXXX XXXX XXXX XXXX XXXX the stringent requirements of both federal and Texas state law . 

My dispute is based on the following legal grounds : Violation of the Fair Credit Reporting Act ( FCRA ) : Under Section 1681i of the FCRA, you are required to conduct a reasonable investigation into any disputed information. Furthermore, under Section 1681e ( b ), you must follow reasonable procedures to assure maximum possible accuracy. The reporting of this unverified collection account fails to meet this standard. 

Demand for Strict Proof and Validation under the FDCPA and Texas Law : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to demand validation of this alleged debt. XXXX XXXX XXXX must provide me with, at a minimum : the original signed contract, a complete accounting of the alleged debt, and proof of their legal authority to collect in the state of Texas. The Texas Finance Code, Chapter 392, also prohibits deceptive practices by debt collectors. 

Lack of Verifiable Information : This account is incomplete, misleading, and unverifiable. The reporting of this item without providing the original creditor information, the date of the alleged default, and a complete payment history is a violation of my rights.

Texas Statute of Limitations : The statute of limitations for debt collection in Texas is XXXX years. I demand that XXXX XXXX XXXX provide proof that this alleged debt is not time-barred. If they can not, the reporting of this account is a deceptive practice. 

I demand that you, XXXX, initiate a thorough investigation into this matter. You must verify every aspect of this account with the furnisher, XXXX XXXX XXXX XXXX. If they can not provide you with the legally required documentation to prove the validity of this debt and their right to collect it, you must immediately and permanently delete this account from my credit file. 

Please send me written confirmation of your investigation and its results within 30 days. Failure to do so will be considered a willful violation of the FCRA. 

Sincerely, XXXX XXXX

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