topic Re: Barclay dispute Experian said its not their job to look at my proof of payment. in Rebuilding Your Credit

Barclay dispute Experian said its not their job to look at my proof of payment.

alipz — Tue, 03 Nov 2020 16:33:07 GMT

I settled for less with Barclay's 6 months ago. They haven't updated my reports at all and I've had no success in reaching them via email or phone.

I mailed a dispute with a letter explaining they're paid, with a copy of my bank payment AND the letter from Barclays saying I've settled and owe no money.

Experian closed my dispute, says its being reported correctly. So, I called them gave them the report number and info. The guy verified they received my letter and attachments but its not their role to read and make a determination from my paperwork? They only have an obligation to send the dispute to the creditor and whatever they say goes(paraphrasing)...

Now what can I do to get this updated correctly?

Re: Barclay dispute Experian said its not their job to look at my proof of payment.

Brian_Earl_Spilner — Tue, 03 Nov 2020 16:34:03 GMT

File a complaint with the CFPB.

Re: Barclay dispute Experian said its not their job to look at my proof of payment.

blindambition — Tue, 03 Nov 2020 16:38:49 GMT

File a complaint with CFPB. Include the paperwork you have.

Explain your difficulty in getting resolution from Barclays, and agency doesn't feel it's their job to report accurate info on your report.

Re: Barclay dispute Experian said its not their job to look at my proof of payment.

alipz — Tue, 03 Nov 2020 16:55:48 GMT

Thanks Is!

Is it an online complaint or do I mail my info to CFPB?

Re: Barclay dispute Experian said its not their job to look at my proof of payment.

blindambition — Tue, 03 Nov 2020 16:59:36 GMT

You can file online, or call and file complaint.

Re: Barclay dispute Experian said its not their job to look at my proof of payment.

RobertEG — Tue, 03 Nov 2020 21:16:06 GMT

In the settlement agreement reached with each of the big-3 CRAs, stemming from civil action taken by the offices of the AG of several states, each of the big-3 CRAs have agreed to consider on the merits any supporting documents provided by the consumer submitted with a dispute.

Their response appears to decline compliance with that settlement agreement.

Following are pertinent sections from that settlement:

___________________________________________________________

IN THE MATTER OF:

Equifax Information Services LLC,

Experian Information Solutions, Inc., and

TransUnion LLC

ASSURANCE OF VOLUNTARY DISCONTINUANCE

Section II Definitions

"Supporting Dispute Documentation" shall mean a document submitted by a

consumer who has initiated a dispute, other than a document created by the consumer

or the consumer's own statement of dispute, that has some objective indication that a

party with direct involvement or authority regarding the disputed item of information

in the consumer's file has played a role in creating the document.

Section 8. Review of Supporting Dispute Documentation Submitted by Consumers

Subject to Section IV(F)(8)(b) below, each CRA shall utilize a process

designed to assure that during a CRA's reinvestigation of a dispute of any

item of information contained in a consumer's file, if a consumer submits

Supporting Dispute Documentation and the CRA does not otherwise modify

the information in the manner requested by the consumer, the Supporting

Dispute Documentation shall be reviewed by an agent of the CRA with

discretion to make a determination whether to make the change requested by

the consumer on the basis of the Supporting Dispute Documentation.

Notwithstanding any of the foregoing, the Supporting Dispute Documentation

review procedures detailed in this Section IV(F)(8) shall apply only with

respect to the disputes initiated with the CRAs pursuant to direct consumer

contacts as provided in the FCRA, 15 U.S.C. § 1681i(a), and the CRAs shall

not be required to employ the Supporting Dispute Documentation review

procedures with respect to disputes initiated by credit repair firms or disputes

that the CRAs reasonably determine to be frivolous or irrelevant pursuant to

15 U.S.0 § 1681i(a)(3).

In the Matter of:

Equifax Information Services LLC,

Experian Information Solutions, Inc., and

Trans Union LLC

Assurance of Voluntary Compliance / Assurance of Discontinuance

Dated: May oiO , 2015

THOMAS J. MILLER

ATTO E GENERAL OF OWA

Hoover Building, 2" Floor

1305 East Walnut

Des Moines, IA 50319

Phone: (515) 281-5926

In the Matter of:

Equifax Information Services LLC,

Experian Information Solutions, Inc., and

Trans Union LLC

Assurance of Voluntary Compliance / Assurance of Discontinuance

Dated: May , 2015

EXPER FORMATIO cOLUTIONS, INC.

By:

DA EL J CL :10

Jones Day

Counsel for Experian

By: i41,14

DARRY GIBSON

Group General Counsel

Re: Barclay dispute Experian said its not their job to look at my proof of payment.

alipz — Tue, 03 Nov 2020 20:50:19 GMT

@RobertEG wrote:
In the settlement agreement reached with each of the big-3 CRAs, stemming from civil action taken by the offices of the AG of several states, each of the big-3 CRAs have agreed to consider on the merits any supporting documents provided by the consumer submitted with a dispute.
Their response appears to decline compliance with that settlement agreement.

Following are pertinent sections from that settlement:
___________________________________________________________
IN THE MATTER OF:
Equifax Information Services LLC,
Experian Information Solutions, Inc., and
TransUnion LLC
ASSURANCE OF VOLUNTARY DISCONTINUANCE

Section II Definitions
"Supporting Dispute Documentation" shall mean a document submitted by a
consumer who has initiated a dispute, other than a document created by the consumer
or the consumer's own statement of dispute, that has some objective indication that a
party with direct involvement or authority regarding the disputed item of information
in the consumer's file has played a role in creating the document.

Section 8. Review of Supporting Dispute Documentation Submitted by Consumers
Subject to Section IV(F)(8)(b) below, each CRA shall utilize a process
designed to assure that during a CRA's reinvestigation of a dispute of any
item of information contained in a consumer's file, if a consumer submits
Supporting Dispute Documentation and the CRA does not otherwise modify
the information in the manner requested by the consumer, the Supporting
Dispute Documentation shall be reviewed by an agent of the CRA with
discretion to make a determination whether to make the change requested by
the consumer on the basis of the Supporting Dispute Documentation.
Notwithstanding any of the foregoing, the Supporting Dispute Documentation
review procedures detailed in this Section IV(F)(8) shall apply only with
respect to the disputes initiated with the CRAs pursuant to direct consumer
contacts as provided in the FCRA, 15 U.S.C. § 1681i(a), and the CRAs shall
not be required to employ the Supporting Dispute Documentation review
procedures with respect to disputes initiated by credit repair firms or disputes
that the CRAs reasonably determine to be frivolous or irrelevant pursuant to
15 U.S.0 § 1681i(a)(3).

In the Matter of:
Equifax Information Services LLC,
Experian Information Solutions, Inc., and
Trans Union LLC
Assurance of Voluntary Compliance / Assurance of Discontinuance
Dated: May oiO , 2015
THOMAS J. MILLER
ATTO E GENERAL OF OWA
Hoover Building, 2" Floor
1305 East Walnut
Des Moines, IA 50319
Phone: (515) 281-5926

In the Matter of:
Equifax Information Services LLC,
Experian Information Solutions, Inc., and
Trans Union LLC
Assurance of Voluntary Compliance / Assurance of Discontinuance
Dated: May , 2015
EXPER FORMATIO cOLUTIONS, INC.
By:
DA EL J CL :10
Jones Day
Counsel for Experian
By: i41,14
DARRY GIBSON
Group General Counsel

THANKS! I was rather stunned the rep said that especially because I wasn't asking him to take my word for it, I submitted the payoff agreement on Barclays letterhead that had all the info verifying the account and their contact info. ??

Re: Barclay dispute Experian said its not their job to look at my proof of payment.

House2021 — Sat, 22 May 2021 14:49:56 GMT

I’m dealing with a similar situation with Barclays did you ever get this resolved

Re: Barclay dispute Experian said its not their job to look at my proof of payment.

7774x — Sat, 22 May 2021 19:23:11 GMT

Had same issue with Barclays couple of years ago..seems bc's attitude needs to be more consumer friendly... even if you paid /settled the late/ charge off account for less than full..got a lawyer to contact their counsel...issue gone .. cfpb should get this cleared

Re: Barclay dispute Experian said its not their job to look at my proof of payment.

House2021 — Sat, 22 May 2021 19:40:27 GMT

7774x thank you for sharing. Can you possibly DM your lawyers contact info? I have struggled to find lawyers willing to get involved over such small disputes and this is a huge issue for me as it's impacting my mortgage that's in process.

Re: Barclay dispute Experian said its not their job to look at my proof of payment.

7774x — Sat, 22 May 2021 23:10:59 GMT

@House2021 wrote:
7774x thank you for sharing. Can you possibly DM your lawyers contact info? I have struggled to find lawyers willing to get involved over such small disputes and this is a huge issue for me as it's impacting my mortgage that's in process.

He passed away 1 year ago...at 79 years old.. Here is a suggestion that may get quick action... Write an email to Barclay's/CEO & General Counsel asking help for quick action right this wrong ....describe the steps you have taken. explain the proof you have....Lastly remind them your next steps are... complaining to Cfpb, their state bank regulator, and I think Federal Reserve may have overrsight. googl it..... Last..thing... thank them for their help to correct this issue.... leave your contact info........good luck

Re: Barclay dispute Experian said its not their job to look at my proof of payment.

House2021 — Sun, 23 May 2021 02:11:32 GMT

Do you have the CEO and their general counselors email addresses? Can you please DM me with the information?

Re: Barclay dispute Experian said its not their job to look at my proof of payment.

7774x — Sun, 23 May 2021 23:52:30 GMT

Let me see this week

Re: Barclay dispute Experian said its not their job to look at my proof of payment.

Ottley — Mon, 24 May 2021 18:44:54 GMT

I had this happen I settled with them in Feb. Paid it in full in Feb. They updated it in March that I had made the settlement payment, but wouldn't report to $0. I wrote the office of the president last week and they updated it to a $0 balance within a few days. I also have a phone number that they gave me when they emailed me last week.