Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #7133996
Complaint Overview
Complaint ID: 7133996
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: Account information incorrect
State: Colorado
ZIP Code: 80012
Date Received: 2023-06-18T12:00:00-05:00
Date Sent to Company: 2023-06-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Dispute of Inaccurate Utilization Amount on Barclays Account Dear Sir/Madam, I am writing to dispute the accuracy of the utilization amount stated on my Barclays account . The incorrect utilization amount has caused several negative consequences, affecting both myself and authorized users associated with the account. Account Details : Bank Name : Barclays Account Number Ending : XXXX Disputed Information : Inaccurate Utilization Amount : {$3500.00} Explanation of Dispute : Upon reviewing my account statement, I noticed that the utilization amount reported by Barclays is significantly higher than the actual utilization of the account. The reported utilization amount of {$3500.00} does not reflect the true utilization, as the account has been responsibly managed and the actual utilization is significantly lower. This inaccuracy has had a detrimental impact on various parties associated with the account, particularly authorized users who have experienced negative consequences due to the inflated utilization amount. This includes potential negative effects on their credit scores and the ability to access credit, despite the utilization being inaccurately reported. I have contacted Barclays directly to address this issue, but they have been unresponsive and have not taken any action to rectify the situation. I have also submitted a written dispute to Barclays, providing evidence of the accurate utilization amount, but they have failed to make the necessary corrections. I am seeking the assistance of the Consumer Financial Protection Bureau to intervene in this matter and ensure that Barclays corrects the inaccurate utilization amount on my account. I request that an investigation is conducted to verify the true utilization and that appropriate actions are taken to rectify the reporting error promptly. I have attached supporting documentation, including account statements and any other relevant evidence, to substantiate my dispute. If further information or documentation is required, please do not hesitate to contact me. I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your assistance in resolving this dispute and holding Barclays accountable for their inaccurate reporting practices. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #7133996 about?
Complaint #7133996 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 2023-06-18T12:00:00-05:00.
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.