Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
XXXXormal Complaint and Dispute Barclays Bank Delaware & Credit Reporting Violations * * Date : XX/XX/XXXX To Whom It May Concern, I am writing to dispute inaccurate and damaging information being reported on my credit reports by * * Barclays Bank Delaware * *, which has resulted in a * * XXXXpoint decrease in my credit score * * as of * * XX/XX/XXXX * *. These reports contain serious errors, duplications, and unresolved disputes that violate my rights under the * * Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. * * -- - # # # * * XXXX. Barclays Bank Delaware Duplicative & Inaccurate Charge-Offs * * On my * * TransUnion credit report dated XX/XX/XXXX * *, the following XXXX charge-off accounts from Barclays appear : * XXXX * Acct # XXXX * * \ * \ * Balance : \ {$3500.00} | Credit Limit : \ $ XXXX * \ * * * * Acct # XXXX * * \ * \ * Balance : \ {$2000.00} | Credit Limit : \ $ XXXX * \ * * * * Acct # XXXX * * \ * \ * Balance : \ {$820.00} | Credit Limit : \ $ XXXX * \ * All three : * Are listed as * * charge-offs * * with * * past due balances * *, even * * months after closure * * in XX/XX/XXXX * Continue to be reported with * * monthly C/O derogatory * *, contrary to closure dates * Have been marked as * * dispute resolved consumer disagrees * * but * * remain unverified and uncorrected * * * Exceed their credit limits in reported balances, creating * * impossible debt ratios * * Further, these Barclays accounts * * do not appear on my XXXX report XXXX *, reflecting significant * * discrepancies * * across bureaus yet XXXX  continues to factor these accounts into my score. 

-- - # # # * * XXXX. Legal Violations * * # # # # A. * * Failure to Ensure Maximum Possible Accuracy XXXX XXXX. XXXX ( b ) * * > Every consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Barclays and the credit reporting agencies have failed to ensure * * accurate * *, * * non-redundant * *, and * * timely * * account status reporting. The continued listing of charge-off statuses on already-closed accounts is misleading and unjustified. 

# # # # B. * * Failure to Block or Remove Fraudulent Accounts XXXX XXXX. XXXX * * I have an active * * fraud alert and identity theft statement * * on file with * Experian since XX/XX/XXXX * *, yet none of the Barclay 's accounts have been validated or blocked. My identity has been compromised, and I assert that at least XXXX of these accounts may be fraudulent or manipulated. 

XXXX. Impact on My Credit & Financial Standing * * * My * * XXXX XXXX score fell to XXXX * * as of XX/XX/XXXX a * * XXXX drop * * directly tied to these unresolved Barclays entries XXXX 
* My reported * * credit usage jumped to XXXX XXXX * *, which is mathematically inaccurate and damaging. 
* XXXX and XXXX show * * substantially different data * *, violating uniform reporting requirements and reasonable accuracy standards. 

-- - # # # * * XXXX. Actions Requested * * Under the Fair Credit Reporting Act, I request : XXXX. * * Immediate deletion * * of the Barclays accounts listed above or full documentation of validation. 
XXXX. A * * full reinvestigation of the accuracy of all Barclays accounts reported. 
XXXX. A list of * * all furnishers * * and data sources Barclays used to verify the reported information. 
XXXX. * * Written confirmation * * of the outcome of your reinvestigation within XXXX days of receipt. 

Failure to resolve this issue will result in further legal action and CFPB complaints under * * XXXX XXXX. XXXX & XXXX * * for willful and negligent violations of my rights. 

-- - # # * * A Summary of Your Rights Under the Fair Credit Reporting Act ( FCRA ) * * * * * You must be told if information in your file has been used against you. 
* * * You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency. 
* * * You have the right to dispute incomplete or inaccurate information. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. 
* * * Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information usually within XXXX days. 
* * * Consumer reporting agencies may not report outdated negative information. Generally, negative information more than XXXX XXXX XXXX, or bankruptcies more than XXXX XXXX XXXX, may not be reported. 
* * * You must give your consent for reports to be provided to employers. 
* * * You may limit prescreened offers of credit and insurance.

* * * You may seek damages from violators. If a consumer reporting agency, or in this case a furnisher such as Barclays, violates the FCRA, you may be entitled to damages in court. 

More details are available from the Federal Trade Commission ( FTC ) at [ XXXX XXXX XXXX XXXX XXXX XXXX  ) or by calling XXXX. 

-- - Please consider this a formal dispute and legal notice. I expect a full response within the required time under federal law. 

Sincerely, [ XXXX withheld for privacy ] Date : XX/XX/XXXXXXXX XXXX

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