Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
b'**DISPUTE & REQUEST FOR VERIFICATION / VALIDATION\n\n(FCRA 602, 607(b), 611; 15 U.S.C. 1681e(b), 1681i)**\n\nTo Whom It May Concern:\n\nThis is a formal dispute and request for verification of the account you reported as:\n\nBARCLAYS BANK DELAWARE PREVIOUSLY VERIFIED.\n\nYour response states that the account was previously verified, yet you did not provide any verifiable evidence, contract, or documentation proving the accuracy, ownership, or validity of this account.\nUnder the law, simply marking an account as verified without furnishing proof does not satisfy your investigation obligations.\n\n1. FCRA 611(a)(1)(A)  Right to Reinvestigation\n\nUnder 15 U.S.C. 1681i, I am requesting a full reinvestigation because the information being reported is:\n\ninaccurate,\n\nunverified, and\n\nunsupported by original documentation.\n\nYou must conduct a reasonable investigation and cannot rely solely on automated responses from the furnisher.\n\n2. FCRA 602 & 607(b)  Accuracy and Maximum Possible Accuracy\n\nUnder 15 U.S.C. 1681e(b), credit bureaus must report information that is accurate and verifiable.\nMarking an account previously verified is insufficient unless you:\n\nobtain documented proof,\n\nconfirm identity accuracy,\n\nconfirm account ownership, and\n\nconfirm balance accuracy.\n\nI am demanding that you obtain the actual documentation, not electronic confirmations.\n\n3. FCRA 609(a)(1)  Right to Disclosure of Information Used to Verify\n\nUnder 15 U.S.C. 1681g, I am exercising my right to request:\n\nAll documents used to verify this account, including:\n\nThe original signed application or contract bearing my signature.\n\nAny documentation linking me to the alleged account, including account opening documents.\n\nAll records provided by Barclays during your investigation, including any materials used to mark the account as verified.\n\nA full itemized statement showing how the balance was calculated.\n\nProof of Barclays right to report this account, including any ownership confirmation if it was sold or assigned.\n\nA description of the method of verification, as required by FCRA 611(a)(6)(B)(iii).\n\nProviding nothing but a status response (verified) is not sufficient evidence under federal law.\n\n4. FCRA 611(a)(5)(A)  If Unverified, You Must Delete\n\nIf the furnisher cannot provide validation, the account is legally unverified.\nUnder the FCRA:\n\nThe account must be removed,\n\nYou must notify all bureaus,\n\nYou must update the CFPB record.\n\nA verified label does not override the consumers right to actual proof.\n\n5. Formal Request\n\nTherefore, I am demanding:\n\n Verification of the accuracy\n Validation of the account\n Copies of all documents used in your investigation\n The original contract or application with my signature\n Removal if you cannot provide proof\n\nUntil such documentation is provided, the account must be marked:\n\nIn dispute  consumer claims account is inaccurate and unverified.\n\nPlease respond within the timeframe required by the FCRA.\n\nSincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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