Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NJ

Complaint narrative:
I am writing in response to your most recent communication, which claimed that I am " not saying anything new. '' This response is both inappropriate and inaccurate, especially in light of the supporting documents I have submitted including Barclays own written confirmation of the account closure date. 

Let me reiterate : according to your official documentation, the account in question was closed on XX/XX/XXXX. However, the Date of First Delinquency ( DOFD ) currently reported on my credit file occurs after this closure date, which is not logically or factually possible. This discrepancy represents a clear and serious reporting error. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute any inaccurate, incomplete, or unverifiable information reported to the credit bureaus. You are legally obligated to conduct a reasonable investigation and correct or delete any information that can not be verified as accurate. Simply responding that my dispute " contains nothing new '' while ignoring contradictions and highlighted documents issued by Barclays itself is not only negligent it may also be considered a willful violation of federal law. 

I have also made multiple attempts to contact Barclays by phone, per your letter instructing me to do so. Despite following your instructions, no one has returned my calls, and I have been unable to reach anyone directly. This, too, contributes to a pattern of avoidance and failure to assist in resolving this dispute. 
I am again attaching the Barclays-issued documents that support my position. The contradictory information between your own correspondence and your statements made in response to my CFPB dispute is not only misleading its unacceptable. These issues can not be brushed aside with vague or dismissive replies. 

According to your own records, the account in question was closed on XX/XX/XXXX. Despite this, you have reported a Date of First Delinquency that occurs after the closure, which is both factually inaccurate and legally impossible. This is a clear reporting error. As of today 's date, XX/XX/XXXX, it has been well over seven years since the account was closed. Under the Fair Credit Reporting Act, negative information such as delinquencies or charge-offs must be removed after 7 years from the DOFD. Since Barclays has confirmed the account was closed on XX/XX/XXXX, this derogatory item is now legally outdated and should no longer appear on any of my credit reports.Your statement that I am not saying anything new while ignoring this critical detail and the official documentation Ive repeatedly provided is not only unprofessional it may also constitute a willful violation of the FCRA. 

Therefore, this letter serves as a Final Notice requesting the following : Removal of the derogatory account information from all credit reporting agencies If this issue is not resolved, I will escalate the matter further. This includes : XXXX. Submitting a complaint with the Federal Trade Commission ( FTC ) XXXX. Consult legal counsel to explore remedies under the FCRA, which may include statutory and actual damages, legal costs, and punitive damages in cases of willful noncompliance. 

XXXX. Notifying my state Attorney Generals Office

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