Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
I am submitting this response to Barclays Bank Delaware and creating a new complaint because the previous case XXXX was closed without properly resolving the dispute. The issue that I raised in the previous complaint remains unresolved, and the Barclays Bank Delaware account continues to be associated with my credit file even though it does not belong to me. I am therefore requesting that this matter be reviewed again and that the inaccurate information be corrected immediately. The Barclays Bank Delaware account that is currently being reported under my name is not mine. I do not recognize this account, I did not apply for this account, and I never authorized Barclays Bank Delaware to open any credit account in my name. Because I do not own this account, I filed a report with the Federal Trade Commission ( FTC ) and submitted an identity theft report to formally document that my personal information was used fraudulently. Identity theft is a serious matter that affects many consumers. When someones personal information is stolen and used without permission, accounts can be opened fraudulently in the victims name. In many cases, the victim of identity theft does not discover the fraudulent account until it appears on their credit report. That is exactly what happened in my situation. I discovered the Barclays Bank Delaware account while reviewing my credit report and immediately recognized that it was not an account that I opened. Upon discovering this account, I took immediate action to protect myself. I filed an FTC identity theft report to formally document that the account was opened fraudulently and that I am a victim of identity theft. Filing an FTC report is not something that consumers take lightly. It is a formal legal statement that personal information has been used without authorization. The purpose of filing this report is to ensure that fraudulent accounts are investigated and removed from the victims credit report. Despite filing the FTC identity theft report and disputing the account, the issue has not been properly resolved. The previous CFPB case was closed even though the account remains disputed and continues to be associated with my credit file. Closing the case did not address the core issue that the account does not belong to me. The response from Barclays Bank Delaware did not resolve my identity theft claim. The main issue in this dispute is account ownership. I am stating clearly that I did not open this account, did not authorize anyone to open this account on my behalf, and did not benefit from any transactions associated with this account. Therefore, the account should not be reported under my name. A fair investigation into this matter must go beyond simply reviewing internal records. Internal records alone can not prove that I personally opened this account. Identity thieves often use stolen personal information to open accounts, which can make the account appear legitimate in a creditors system even though the real consumer did not authorize it. Because of this, it is critical that Barclays Bank Delaware conduct a full and proper fraud investigation. This investigation should include reviewing the original account application, reviewing the identity verification process that was used when the account was opened, and confirming the identity of the individual who actually applied for and used the account. If Barclays Bank Delaware can not provide verifiable proof that I personally opened and authorized this account, then the account must be removed from my credit report. It is not fair or reasonable for a consumer to be held responsible for a debt that resulted from identity theft. The continued reporting of this account is causing harm to my credit profile. Credit reports are used by lenders, landlords, insurance companies, and employers to evaluate a consumers financial reliability. When a derogatory account appears on a credit report, it can negatively affect the consumers credit score and limit their ability to obtain credit or financial opportunities. The Barclays Bank Delaware account is being reported as a derogatory account. This type of reporting can significantly damage a consumers credit score and financial reputation. Because the account does not belong to me, the negative reporting is both inaccurate and unfair. Consumers have the right to accurate credit reporting under federal law. The Fair Credit Reporting Act ( FCRA ) requires that information reported to credit bureaus be accurate and verifiable. When a consumer disputes an account and provides evidence that the account may be fraudulent, the creditor must conduct a reasonable investigation to determine whether the information being reported is correct. In this situation, I have clearly stated that the Barclays Bank Delaware account is the result of identity theft. I have also filed an FTC identity theft report to support my claim. This documentation should have triggered a thorough investigation into the legitimacy of the account. Unfortunately, the previous response did not resolve the matter. The case was closed without removing the account or acknowledging that identity theft may have occurred. Because the issue remains unresolved, I am now submitting a new complaint so that the matter can be properly reviewed. The resolution that I am requesting is straightforward. I am asking Barclays Bank Delaware to recognize that this account does not belong to me and to remove it from my credit report. I am also requesting confirmation that the account has been permanently deleted so that it does not reappear on my credit file in the future. A fair resolution to this issue should include several key actions. First, Barclays Bank Delaware should immediately stop reporting this account to all credit reporting agencies. Continuing to report a disputed and potentially fraudulent account is harmful and inaccurate. Second, Barclays Bank Delaware should notify all credit bureaus that the account is disputed as identity theft and request that the tradeline be permanently removed from my credit report. Third, Barclays Bank Delaware should conduct a full fraud investigation to determine how the account was opened and whether identity theft occurred. Fourth, Barclays Bank Delaware should provide documentation showing how the account was opened and what identity verification procedures were used during the application process. Fifth, Barclays Bank Delaware should provide written confirmation once the account has been removed from my credit file. These actions are necessary to restore the accuracy of my credit report and to protect me from further harm caused by identity theft. Identity theft victims often face a difficult process when trying to correct fraudulent accounts on their credit reports. The process can involve multiple disputes, lengthy investigations, and repeated attempts to explain that the account does not belong to them. This can be extremely frustrating and stressful for the consumer. However, federal consumer protection laws exist to protect individuals from exactly this type of situation. When a consumer reports identity theft and disputes a fraudulent account, creditors and credit reporting agencies have a responsibility to investigate the claim thoroughly and to correct any inaccurate information. I am not responsible for the Barclays Bank Delaware account that is being reported under my name. I did not open the account, did not authorize the account, and did not benefit from the account. The account is the result of identity theft, and I have documented this by filing a report with the Federal Trade Commission. Because of this, the only fair and appropriate resolution is the removal of the account from my credit report. I am requesting that Barclays Bank Delaware review this matter again and conduct a proper fraud investigation. I am also requesting that the account be permanently removed from my credit file so that it no longer negatively affects my credit history. Closing the previous case did not resolve the issue, which is why I am creating this new complaint. The account still appears on my credit report even though it does not belong to me. I am requesting that this error be corrected and that the inaccurate reporting be removed. In conclusion, I am submitting this complaint because the Barclays Bank Delaware account reported under my name is not mine. I did not open this account and did not authorize it. I filed an FTC identity theft report to document that my personal information was used fraudulently. The previous case XXXX was closed without resolving this issue, and the inaccurate reporting remains. I am requesting that Barclays Bank Delaware acknowledge the identity theft claim, conduct a proper fraud investigation, and permanently remove the account from my credit report. This action will correct the inaccurate reporting and restore the accuracy of my credit file.

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