Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I am submitting this formal complaint regarding Barclays Bank Delaware and their continued inaccurate and harmful reporting of a disputed account to all three major credit bureaus, despite my repeated written disputes, lack of debt validation, and correction of significant errors on my credit file. 
Account in Question : Creditor : Barclays Bank Delaware Balance : {$2900.00} Account Status : Closed / Charge-Off Original Credit Limit : {$1500.00} Date Opened : XX/XX/XXXX Account Number : XXXX Timeline of Events : XX/XX/XXXX I sent a debt validation letter to Barclays Bank Delaware and their attorney, disputing the alleged debt and requesting full validation per FDCPA 809 ( b ). In this letter, I specifically requested that they correct the Date of First Delinquency XXXX XXXX XXXX to accurately reflect the original delinquency date. 
XX/XX/XXXX I sent a second validation letter to Barclays Bank Delaware and their attorney as a follow-up, since I had received no response to my first request. 
XX/XX/XXXX Despite my active disputes and no validation being provided : Barclays reported the account to XXXX for the first time, marking it as CO ( XXXX ). 
Barclays reported the account to XXXX as XXXX XXXX XXXXXXXX ). 
Barclays, which had already been reporting to XXXX monthly, also marked XX/XX/XXXX as XXXX XXXX XXXXXXXX ). 
XX/XX/XXXX I sent a letter to XXXX addressing a serious error on my credit report : an incorrect Social Security Number was associated with my account. 
XX/XX/XXXX I sent letters to Barclays Bank Delaware and their attorney regarding the incorrect XXXX issue. 
Prior to these disputes, Barclays was only reporting to XXXX After my dispute letters, Barclays began reporting derogatory information to all three credit bureaus without validating the debt, correcting the XXXX, or addressing the incorrect XXXX issue. 
Additionally, on XX/XX/XXXX, I confirmed that payment history was altered in my credit file, which appears to be related to my disputes, but the XXXX status for XXXX remains. 
This account is currently the subject of a pending legal matter, and I have not been served or provided validation as required under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Reporting this as a charge-off during the dispute process, while validation is outstanding, is a violation of FCRA 623 and FDCPA 809 ( b ). 
XX/XX/XXXX XXXX XXXX XXXX records show Barclays made retroactive changes to my payment history, modifying historical delinquencies and marking some months as XXXX and others late. These changes occurred after my dispute and were related to the XXXX correction I had requested in my XX/XX/XXXX validation letter. 
Violations and Concerns : Failure to Provide Validation : Barclays and their attorney have not produced any documentation proving this alleged debt is valid, yet they continue to report it, in violation of FDCPA 809 ( b ). 
Furnishing Inaccurate Information : Reporting a charge-off in XX/XX/XXXX despite the account being closed and in dispute constitutes inaccurate reporting under FCRA 623 ( a ) ( 1 ).

Failure to Note Dispute : Barclays has not clearly marked the account as in dispute with all credit bureaus, violating FCRA 623 ( a ) ( 3 ). 
Possible Re-Aging of XXXX : By reporting a new charge-off date of XX/XX/XXXX, Barclays may be unlawfully re-aging the debt, in violation of FCRA 605 ( c ).

Incorrect Personal Information : The account was linked to an incorrect SSN on XXXX  records, raising compliance concerns under FCRA 607 ( b ).

Unverified Changes to Payment History : Barclays altered the payment history after my disputes without explanation, which could impact the XXXX and the reporting period for this debt. 
Evidence Provided : Copies of my validation letters ( XX/XX/XXXX and XX/XX/XXXX ) sent to Barclays and their attorney. 
Copy of my XX/XX/XXXX letter to XXXX regarding the incorrect XXXX. 
Copies of my XX/XX/XXXX letters to Barclays and their attorney about the incorrect XXXX. 
Credit report screenshots showing the XX/XX/XXXX XXXX reporting across XXXX XXXX XXXX XXXX 
Proof that Barclays altered my payment history in XX/XX/XXXX, as reflected in XXXX XXXX records.

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