Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Date : XX/XX/XXXX To : Barclays Bank Delaware XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX Ongoing Dispute & Demand for Correction XXXX XXXX with XXXX Rewards ( Acct. Ending XXXX ) Dear XXXX, I am writing in response to your letter dated XX/XX/XXXX, concerning my dispute of the above-referenced account. While your office claims my most recent filing lacks new information, that statement is inaccurate. My position remains supported by both factual deficiencies in your reporting and statutory protections under federal law.

1. Expired Reporting Period The derogatory data being furnished on this account has surpassed the permissible reporting window. The Fair Credit Reporting Act ( 15 U.S.C. 1681c ( a ) ) establishes a seven-year limit for negative tradeline information measured from the date of first delinquency. Any continued reporting by Barclays, or by agencies receiving data from Barclays, violates this clear federal standard.

2. Deficient Accuracy & Completeness The tradeline continues to reflect derogatory history despite being beyond its reporting eligibility. Furnishers are obligated under 15 U.S.C. 1681e ( b ) to assure maximum possible accuracy. Any portrayal of an account as currently derogatory after it has become obsolete misleads consumer reporting agencies and creditors reviewing my file.

3. Inadequate Verification & Documentation I have requested multiple times copies of the original account records, complete payment history, and most importantly, the precise date of first delinquency. To date, Barclays has failed to provide this basic documentation. A reference to prior form responses is not equivalent to a legally compliant reinvestigation under 15 U.S.C. 1681i ( a ). Regulation V ( 12 C.F.R. 1022.43 ) further requires meaningful investigation when a consumer challenges information.

4. Harm and Liability Your ongoing refusal to correct this matter continues to damage my credit standing and restrict access to fair credit opportunities. Once a furnisher has notice of a dispute yet persists in reporting information it knows, or should know, is inaccurate or obsolete, that constitutes negligent and willful noncompliance ( 15 U.S.C. 1681n, 1681o ).

Required Action I am demanding that Barclays immediately : Delete all negative references to account # XXXX from every consumer reporting agency. 
Provide in writing the verified date of first delinquency on this account. 
Furnish a complete copy of records substantiating your continued right to report this tradeline. 
If Barclays fails to address these issues within fifteen ( XXXX ) days of receiving this letter, I will escalate the matter further with the CFPB, the Office of the Comptroller of the Currency, and evaluate litigation options to recover damages as permitted by law. 
I expect a timely and substantive response. 
Respectfully, XXXX XXXX XXXX XXXX last four ) : XXXX XXXX : XX/XX/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