Victor Tolbert 1547 Boulder Walk Drive Atlanta, GA, 30316 (678) 613-3400 December 7, 2023

Barclays Bank Delaware, Card Services Credit Bureau Dispute Department PO Box 8803 Wilmington, Delaware 19899 Phone: (888) 232-0780

Subject: Dispute of Credit Report Entries

Dear Credit Bureau Dispute Department,

I am writing to dispute incorrect information reported on my credit report by Barclays Bank Delaware. Please find the details of my account and the nature of my dispute below:

Account Holder: Victor Tolbert Account Number: 5524 8605 3623 2799 Barclays Account ID: 0004 9875 893

Description of Error: Incorrect reporting of missed payments for September and October, marked as 60 - 89 days late.

Reason for Dispute: I signed up for a promotional credit card and used it once. Due to an oversight, I was not aware of a small fee (less than $1), leading to missed payments. I had no prior knowledge of this fee and received no billing notification. Upon discovering this, I immediately cleared the balance. I have also taken steps to ensure future bills are received by opting for paper billing and online account access.

Impact: These inaccurate entries have negatively impacted my otherwise impeccable credit history. I have always paid my bills on time, and this situation is not reflective of my typical financial behavior.

Resolution Sought: I request that the inaccurate late payment entries for September and October be corrected to reflect my account as current. This correction is essential to restore my perfect credit payment history.

Supporting Information: A Barclays customer service agent (Charlie) has acknowledged this error and restored my credit line to its original amount. The provided Account ID (0004 9875 893) should help in associating this dispute with the details in my profile, as discussed with the agent.

I appreciate your prompt attention to this matter and request that the necessary corrections be made to my credit report. Your assistance in resolving this issue is crucial to maintaining the accuracy of my credit history.

Thank you for your time and understanding in this matter.

Sincerely,

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