Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5730667
Complaint Overview
Complaint ID: 5730667
Company: Barclays Bank Delaware
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: California
ZIP Code: 925XX
Date Received: 2022-07-03T12:00:00-05:00
Date Sent to Company: 2022-07-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I would like to file a complaint and alert the authorities that the 3 credit bureaus, XXXX, XXXX AND XXXX are not operating according to the law and have victimized me numerous times from XX/XX/XXXX to today, XX/XX/XXXX by failing to conduct an investigation on my behalf after I placed a complaint XX/XX/XXXX and XX/XX/XXXX. They have not been handling my disputes in compliance with the laws of VICTIMS OF ID THEFT. They did not investigate my claim and stop reporting the information even though I submitted all the proper documents. They did not give me investigation results. Since you are the authorities I pray you investigate their handling of my case and remedy or correct as you see is fair according to the law. In XX/XX/XXXX I received a letter from XXXX XXXX XXXX claiming I owed {$990.00} to XXXX XXXX a debt collector. I knew that was wrong and it triggered a lot of investigation on my end. I do not have any payday loans, credit cards, auto loans or mortgages so I KNEW there was a HUGE mistake. I only have 2 XXXX Loans from when I got my XXXX XXXX. Also, in XXXX I was the victim of CRIMINAL IDENTITY THEFT in California and so I am aware criminals have my information. I ordered a copy of my credit report and cried for hours after I saw my credit report was completely demolished. There was debt that DID NOT BELONG TO ME AND I DID NOT HAVE ANY RESPONSIBILITY - 4 credit cards had been opened without my knowledge! They defaulted and were sold several times over between debt buyers like XXXX and other debt buyers. I filed a police report. I filed a report with FTC and obtained AN IDENTITY THEFT REPORT that I could send to each company. ON XX/XX/XXXX : I sent a letter, a sworn affidavit, FTC identity report, police report filed with XXXX XXXX XXXX Police Department, copy of my social security card and drivers license to XXXX. XXXX XXXX. XXXX XXXX. XXXX and the Creditors 4. BARCLAYS BANK OF DELAWARE XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Nothing changed. XXXX, XXXX, and XXXX said that the information was verified as accurate so it would remain on my Credit File but a notation would be added to state that CONSUMER DISPUTES INFORMATION. In XX/XX/XXXX when I requested an investigation AGAIN, my Credit Score went down XXXX points because Barclays Bank and XXXX XXXX XXXX added a negative comment to my file. No investigation was ever completed by XXXX XXXX OR XXXX AND NO INVESTIGATION WAS EVER COMPLETED BY BARCLAYS OR XXXX XXXX XXXX It is XXXX, XXXX and I am still waiting for the information I requested from the Creditors regarding the fraudulent accounts and how they were opened, what information was provided, and any identifying information that may help me achieve a conviction against the person who committed this crime against me. The information was not blocked by the 3 credit bureaus even though I provided a police report, an FTC ID THEFT REPORT AND A STATEMENT OF THE FACTS. I was just left in the dark and totally dismissed. To this day, those derogatory accounts are STILL ON MY CREDIT REPORTs!
Frequently Asked Questions
What is Complaint #5730667 about?
Complaint #5730667 was filed against Barclays Bank Delaware regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2022-07-03T12:00:00-05:00.
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.