Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
Subject : Complaint Against XXXX for Inadequate Investigation of Dispute To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint regarding Experians handling of my recent credit report dispute, which reflects the concerns raised in the CFPBs lawsuit against XXXX for conducting sham investigations. My experience with XXXX highlights their failure to properly investigate disputes and remove inaccurate information, which directly threatens my access to credit, employment, and housing. 

The issue pertains to my BARCLAYS BANK DELAWARE account, which has been inaccurately reported on my credit report. The payment history for this account differs significantly across the three major credit bureausExperian, XXXX, and XXXXindicating errors in reporting and a failure to maintain accurate and consistent records. I disputed multiple times but XXXX did not properly solve the issue. The latest dispute was on XX/XX/XXXX. Please see attachment. 

Payment history XX/XX/XXXX : XXXX reporting 30 days past due, XXXX reporting 30 days past due, XXXX reporting Current Payment history XX/XX/XXXX : XXXX reporting 60 days past due, XXXX reporting 60 days past due, XXXX reporting 30 days past due Payment history XX/XX/XXXX : XXXX reporting 90 days past due, XXXX reporting 90 days past due, XXXX reporting 60 days past due Payment history XX/XX/XXXX : XXXX reporting 120 days past due, XXXX reporting 120 days past due, XXXX reporting 90 days past due Payment history XX/XX/XXXX : XXXX reporting 150 days past due, XXXX reporting 150 days past due, XXXX reporting 120 days past due Payment history XX/XX/XXXX : XXXX reporting 180 days past due, XXXX reporting 180 days past due, XXXX reporting 120 days past due Payment history XX/XX/XXXX : XXXX reporting 180 days past due, XXXX reporting Charged-off, XXXX reporting 120 days past due Despite my efforts to dispute this issue, XXXX responded by stating that the information was verified as accurate and merely updated the account without making any substantive corrections. This response failed to address the discrepancies and leaves me questioning how XXXX conducted its investigation. 

The CFPB lawsuit against XXXX details systemic issues, including failures to conduct reasonable investigations and reliance on automated processes instead of thoroughly examining evidence. My case appears to be another example of this troubling practice. XXXX lack of proper investigation violates the Fair Credit Reporting Act ( FCRA ) and harms consumers like me. 

I am requesting the CFPBs assistance in addressing the following : 1. How XXXX verified the accuracy of the disputed BARCLAYS BANK DELAWARE account, including the specific evidence they reviewed. 

2. Why XXXX did not remove or correct the inaccurate information, despite clear discrepancies among credit bureaus. 

3. Ensuring that XXXX complies with the FCRAs requirements for thorough investigations and accurate reporting. 

The inadequacy of XXXX actions has caused unnecessary frustration and risk to my financial standing. I urge the CFPB to hold XXXX accountable for its failure to fulfill its obligations under the law and ensure proper dispute resolution for consumers. 

Thank you for your attention to this matter. I look forward to your response and assistance in resolving this issue. 

Sincerely, Attachments : Copies of credit reports from XXXX, XXXX, and XXXX showing discrepancies. 

Correspondence with XXXX regarding the dispute.

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