Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
I am submitting this formal reply to Barclays Bank Delaware regarding your response to my prior complaint. I am also formally stating that I am creating a new case because my previous complaint was closed without a proper and lawful resolution. Your response fails to address the core issue of identity theft and does not meet the legal requirements for validation, verification, and accurate reporting under federal law. First and foremost, I am reiterating that I do not own this account. I did not apply for, authorize, or benefit from any XXXX XXXX XXXX account referenced in your response. This account is the direct result of identity theft, and I have already taken formal action by filing a report with the Federal Trade Commission ( FTC ). This is not a general disputeit is a documented identity theft case, and it must be treated as such. In your response, you claim that an application was submitted in my name and approved on XX/XX/XXXX, and that the account was used until XX/XX/XXXX. However, simply stating that an account was opened using my personal information does not constitute proof that I personally opened or authorized that account. Identity theft cases frequently involve the use of accurate personal information, and this alone does not validate the legitimacy of the account. You further state that your fraud team completed a thorough investigation and determined that the account was not fraudulent because the personal information matched public records. This reasoning is fundamentally flawed. Matching personal information to public records is not a valid method of identity verification in cases of identity theft. Fraudsters routinely use accurate personal data obtained through data breaches or other unauthorized means. Therefore, your conclusion does not meet the standard of a reasonable investigation. Additionally, your claim that there was no consumer fraud alert on my credit file is irrelevant to the determination of whether fraud occurred. The absence of a fraud alert does not negate the existence of identity theft, especially when an FTC identity theft report has been filed. Your investigation appears to rely on superficial verification methods rather than a thorough examination of the actual circumstances. You also state that the application was submitted electronically and that an e-signature was received. I am formally requesting proof of this alleged e-signature. Specifically, I am requesting : The XXXX address used at the time of application The device identification used to submit the application The geolocation data associated with the application The full XXXX XXXX of the application process A copy of the original application with timestamp and metadata Without this information, there is no way to verify that I personally submitted the application. An electronic submission alone does not prove authorization, especially in cases involving identity theft. You further state that the account was charged off on XX/XX/XXXX, with a balance of {$2200.00} and placed with XXXX for collection. This continued reporting of a fraudulent account is causing significant harm to my credit profile. Reporting a debt that is the result of identity theft is a violation of federal law, particularly when proper documentation has been provided. It is also important to highlight that Equifax has already removed or suppressed this tradeline from my credit file. This is critical evidence that the account is not being universally validated across all credit reporting agencies. If XXXX bureau has determined that the account should not be reported, it raises serious concerns about the accuracy and consistency of your reporting. Despite this, you continue to report the account to other credit bureaus, including TransUnion. This creates an inconsistent and inaccurate credit profile, which is a violation of your obligation to report accurate information. In your follow-up responses, you repeatedly state that my correspondence does not provide new information and that your prior response remains unchanged. This demonstrates a failure to conduct a meaningful reinvestigation. Simply repeating a prior conclusion without addressing new claims of identity theft is not compliant with your legal obligations. You also state that you can not control how credit reporting agencies choose to report tradelines. While it is true that credit bureaus make independent decisions, you are the data furnisher. You are responsible for ensuring that the information you provide is accurate. If the information is inaccurate or unverified, you have a duty to correct or delete it. At this point, I am formally demanding full validation of this account. This includes, but is not limited to : The original signed contract bearing my wet or digital signature Proof of identity verification at the time the account was opened Documentation showing how the account was approved A complete payment history The chain of custody if the account was transferred or sold All internal records related to the accounts creation and verification If you can not provide this documentation, then the account can not be considered valid and must be removed immediately. Furthermore, I am requesting the method of verification used to validate this account. Specifically : Was the account verified through XXXX? Was there a manual review conducted? What data sources were used to confirm the account? What documentation was reviewed during the investigation? Your previous responses do not provide this information, which is required under federal law. I am also requesting the full XXXX XXXX of this account. This includes : The identity of the furnisher The date the account was first reported All updates made to the account The individuals or systems that verified the account Any internal communications related to my dispute This information is necessary to determine whether proper procedures were followed. Your failure to provide adequate documentation and your reliance on incomplete verification methods suggest that this account has not been properly validated. Continuing to report this account under these circumstances is not only inaccurate but also negligent. I am also reiterating that I have filed an FTC identity theft report. This is a legally significant document that confirms I am a victim of identity theft. Under federal law, accounts resulting from identity theft must be blocked or removed from a consumers credit report. Your continued reporting of this account despite receiving notice of identity theft raises serious concerns about compliance with consumer protection laws. Additionally, I am requesting that this account be immediately marked as disputed by consumer if it has not already been done. Failure to do so is another violation of reporting requirements. At this stage, the only acceptable resolution is the complete and permanent deletion of this tradeline from all credit reporting agencies. This includes TransUnion, Experian, and any other agency to which you have reported this account. I am also requesting written confirmation that : The account has been deleted The account will not be reinserted without proper certification All credit bureaus have been notified of the deletion Any third parties who accessed my credit report have been notified of the correction If this matter is not resolved promptly, I will be forced to escalate this issue further. This may include filing additional complaints with regulatory agencies and pursuing all available legal remedies. In conclusion, your response does not adequately address the issue of identity theft, does not provide sufficient validation of the account, and does not meet the standards required for accurate credit reporting. I do not own this account, I did not authorize it, and I have taken the necessary steps to report it as fraud. I am demanding the immediate deletion of this tradeline and full compliance with all applicable laws and regulations. This is my formal response and final request for resolution.

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