Consumer complaint received 2025-08-22 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: MA

Complaint narrative:
I am disputing the continued inaccurate, incomplete, and misleading reporting of the Barclays Bank Delaware account appearing as a charge-off across XXXX XXXX XXXX Despite submitting disputes for the past 69 months, the bureaus and Barclays continue to verify the account as accurately reporting while clear violations of the Fair Credit Reporting Act ( FCRA ) remain. 

Incomplete & Inconsistent Reporting XXXX  shows the account last active on XX/XX/XXXX with last payment on XX/XX/XXXX, but XXXX XXXXeports Date Last Active as XX/XX/XXXX and also lists the Date of Last Payment as XX/XX/XXXX. 

These conflicting dates across bureaus violate FCRA 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

Balance Inflation Post Charge-Off Once an account is charged off, no new interest or fees may be added unless expressly allowed by the original agreement and state law. The reported balance appears inflated, which is deceptive and inconsistent with the charged-off status. This violates FCRA 1681s-2 ( a ) ( 1 ) ( A ), prohibiting furnishers from reporting information they know or should know is inaccurate. 

Failure to Provide IRS Form 1099-C When a lender charges off or cancels a debt of {$600.00} or more, they are required by IRS regulations ( 26 U.S. Code 6050P ) to issue Form 1099-C. I never received this form. The absence of proper cancellation reporting raises questions about the validity of the charged-off status and balance being reported.

Failure to Provide Method of Verification Under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), when a consumer disputes and requests the method of verification, the bureau must provide a description of how the information was verified. Despite multiple disputes, neither BarclaysXXXX XXXX XXXX XXXX  have ever provided me with a legal method of investigation or details on how they concluded the information was accurate. Simply marking the account as verified without disclosing the method is a direct violation of federal law. 

See : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX courts held that furnishers and CRAs can not blindly rely on each other ; they must perform reasonable and independent verification. 

Failure to Correct After Disputes I have disputed multiple times. Barclays, XXXX and XXXX repeated verified responses without addressing the clear factual inconsistencies constitute willful noncompliance with FCRA 1681i ( a ). Case law such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX makes clear that reasonable reinvestigation requires more than parroting the furnishers response. 

Deceptive and Misleading Reporting Reporting Charge-Off while simultaneously showing contradictory dates and inflated balances misleads future creditors and damages my creditworthiness. This constitutes inaccurate reporting under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) where courts held that incomplete or misleading reporting violates the FCRA.

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