Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
XXXX XXXX XXXX [ Your Address ] [ City, State, Zip Code ] XX/XX/XXXXXX/XX/XXXXBRCLYSBANKDE [ Address of the Bank/Creditor ] [ City, State, Zip Code ] Subject : Unauthorized Hard Inquiry Dispute & Request for Immediate Removal To Whom It May Concern, I recently reviewed my XXXX credit report and noticed a hard inquiry from BRCLYSBANKDE, dated XX/XX/XXXX, which I do not recognize nor authorize. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g and 1692c, as well as the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681b, to formally dispute this inquiry and request its immediate removal.

Basis for My Dispute : Lack of Authorization I have no recollection of applying for credit with BRCLYSBANKDE. If this inquiry was made in error or fraudulently, it must be removed immediately. 
Failure to Provide Contact Information My credit report states that " No contact information has been reported by this creditor. '' This is a direct violation of FCRA requirements, as I am unable to verify the legitimacy of this inquiry.

Violation of 15 U.S. Code 1681b Permissible Purpose Under federal law, a hard inquiry can only be conducted with my explicit written consent. If BRCLYSBANKDE can not provide proof that I applied for credit, then this inquiry was made without a permissible purpose and must be removed immediately.

Required Actions : Provide Proof of Authorization If you believe this inquiry is valid, provide me with a copy of the signed credit application or authorization. If you can not provide this within 30 days, you must remove the inquiry.

Cease & Desist Further Unauthorized Actions Under 15 U.S. Code 1692c, I demand that you cease all further reporting of this inquiry unless proper documentation is provided. Any further unauthorized action will be reported as a violation of federal law.

Immediate Deletion from My Credit Report If you can not provide written proof of my authorization, you must contact XXXX and request the removal of this inquiry from my report. 
Legal Consequences of Non-Compliance : Failure to comply with this request may result in formal complaints filed with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney Generals Office Additionally, I reserve my right to pursue legal action for damages under the Fair Credit Reporting Act and Fair Debt Collection Practices Act if this unauthorized inquiry is not removed promptly.

Deadline for Response : You have 30 days from the date of this letter to respond. If I do not receive a satisfactory response, I will take further action to protect my rights and credit standing. 

Please confirm receipt of this letter and respond in writing to my email at XXXX or by mail to the address above. 

Sincerely, XXXX XXXX XXXX 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