Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5228494
Complaint Overview
Complaint ID: 5228494
Company: Barclays Bank Delaware
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Vermont
ZIP Code: 054XX
Date Received: 2022-02-16T12:00:00-05:00
Date Sent to Company: 2022-02-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX has an account on my report showing missed payments from a Barclay 's account. I call Barclays and they say they have nothing under my SSN so they can not help. XXXX says Braclay 's is reporting the account as mine but can not tell me how they are confirming this ( THIS is the crux of the issue... how can a reporting company like XXXX ruin a consumers credit with ZERO evidence? ) Barclays is making a mistake but can not figure out how to correct it because no accounts are tied to me or my SSN so they can not look anything up. XXXX says they need a letter from barclays who can not provide a letter because they have no account in my name or under my SSN? So this bogus missed payments account is hurting my score and ability to refinance and there's nothing I can Do?! The credit agencies wield GREAT power yet have zero accountability, have proven to have insufficient security, and put people 's financial lives at risk, and report bogus items to innocent people 's reports which financially harms them, they extort people to pay fees to them ... and they need NO evidence, just a missed keystroke or the word of a desk jockey a half a world away to say a payment is late but they do not require an account number, any type of application verification to prove the person applied or agreed to an account, NOTHING< just the words of a stranger working at a XXXX corporation ... no evidence, no proof, nothing... and then I have no way to argue it because I am guilty until I prove myself innocent which I can not do because nobody have any information for me to verify who this bogus account actually belongs to... but it can stay on my report and harm me?! Makes perfect sense.
Frequently Asked Questions
What is Complaint #5228494 about?
Complaint #5228494 was filed against Barclays Bank Delaware regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-02-16T12:00:00-05:00.
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, credit repair services, 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.