Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
The Barclays Bank Delaware account is reporting false and inconsistent information on my credit report. The account shows a charge-off with a {$0.00} balance and lists XXXX XXXX XXXX as the original creditor, which is inaccurate because XXXX XXXX is a debt buyer, not the original creditor. 

The account was opened in XX/XX/XXXX and closed in XX/XX/XXXX. However, the report shows late payments in XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX, even though the account was later sold and should no longer reflect active payment history. The Last Payment Date is XX/XX/XXXX, but the Balance Updated date is XX/XX/XXXX, which is six months later. This means Barclays continued reporting activity after the account was sold, which is factually impossible.

These inconsistencies indicate a billing and data transmission error between Barclays and the credit bureaus. The account should be reported as Transferred/Sold {$0.00} Balance with no late payments. I previously disputed this information with the credit bureau, but the inaccurate data remains. I am requesting that this account be corrected or deleted entirely to comply with the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 2 ), which require accurate and verifiable reporting.

1. Duplicate or Conflicting Reporting The account shows Charged-Off and Balance {$0.00} simultaneously. 
It also lists XXXX XXXX XXXX as the Original Creditor, which is incorrect Portfolio Recovery is a debt buyer, not the original creditor.

This creates duplicate reporting and false ownership representation, violating : FCRA 607 ( b ) Duty to assure maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not report information they know or should know is inaccurate.

FDCPA 807 ( 8 ) Prohibits false representation of credit information.

Dispute Argument : 2. Unverifiable Late Payments After Account Sale The last payment date is XX/XX/XXXX, but the balance update is XX/XX/XXXX XXXX months later. 
Barclays sold the account to XXXX XXXX, yet continues to report late payments after the sale. 
Once an account is sold, the original creditor can not continue reporting payment activity because they no longer own or service the debt.

Legal Basis : FCRA 623 ( a ) ( 2 ) Furnishers must update and correct information once an account is transferred or sold. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit bureaus must delete unverifiable data. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Furnishers must correct or delete inaccurate data after notice of dispute. 
Dispute Argument : 3. Inconsistent Payment History and Status The payment history shows multiple 30-day late marks in XXXX, but the account was charged off in XXXX XXXX years later. 
This timeline is inconsistent with standard charge-off reporting ( which typically occurs after 180 days of delinquency ). 
These inconsistencies indicate data transmission or reporting errors between Barclays and XXXX 
Legal Basis : FCRA 611 ( a ) Requires deletion of unverifiable or inconsistent data after reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Even technically accurate but misleading reporting violates the FCRA. 
Dispute Argument : 4. Account Should Report as Transferred/Sold Once Barclays sold the account to Portfolio Recovery, it should have been updated to Transferred/Sold {$0.00} Balance and no longer report payment history or delinquencies.

Continuing to report late payments after sale misrepresents the accounts status and damages creditworthiness.

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