Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13855414
Complaint Overview
Complaint ID: 13855414
Company: Barclays Bank Delaware
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Texas
ZIP Code: 77064
Date Received: 2025-06-02T12:00:00-05:00
Date Sent to Company: 2025-06-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> RE : Request for Debt Validation To Whom It May Concern, I am writing to request validation of the debt referenced in your recent communication. This is not a refusal to pay, but a formal notice that I am requesting validation and verification of the debt you claim I owe, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following documentation : 1. The name and address of the original creditor. 2. The amount of the alleged debt, including a breakdown of principal, interest, fees, and any other charges. 3. A copy of the original agreement or contract bearin g my signature, showing that I agreed to assume this debt. 4. A detailed accounting of how the alleged amount was calculated. 5. Verification that you are licensed to collect debts in my state and the name of the individual collector assigned to this file. 6. The chain of title showing your authority to collect on behalf of the original creditor or that you have purchased the debt. Until the requested information is provided, please cease all collection activity, including reporting this debt to any credit reporting agency, which may be considered a violation of the FDCPA. I expect your response within 30 days, as required by federal law. Sincerely, XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #13855414 about?
Complaint #13855414 was filed against Barclays Bank Delaware regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-06-02T12:00:00-05:00.
How did Barclays Bank Delaware respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Barclays Bank Delaware?
Yes, visit the Barclays Bank Delaware company profile at readthecomplaint.com/company/barclays-bank-delaware to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.