Complaint Review: Barclaycard - Wilmington, Delaware

I applied to Barclaycard CashFoward MasterCard, recently. And was summarily condemned and hypocritically rejected a membership account. Based on some untrue and erroneous misinformation, that Barclaycard. Allegedly obtained from the Trans Union consumer reporting agency. According to Barclaycard, they rejected my application.     

2. Based on the following erroneous and misinformation they allegedly aquired from my Trans Union credit report number:1. "I have insufficent number of accounts paid as agreed" on my credit report. Which is a lie, and not true. Number:2. "I have a history of insufficient credit card trades on my credit report".   This is also a lie and untrue.    And number:

3. "I've a insufficient record of retail trades on my credit report".       3. This is also a lie, and untrue.  I've traded with five different credit card bank or revolving credit companies over the last, one to nearly three years.  With one of those bank credit card ( a credit union ) companies.   

4. Failing to report my credit card trades with them to the Trans Union, and Equifax, Inc. respective consumer reporting agencies. Which for each of those respective credit agencies, at different times over the course of the last nine months wrongfully closed my credit card history.     

5. Of credit card trades and retail trades on their respective reports. For several months, since the month July 2016 for Trans Union until the month of April 2017. Trans Union erroneously shutdown my credit card trades, retail reports of my records.    

6. And for Equifax, Inc. They erroneously, shutdown from reporting my credit card trades, and retail trades from this same credit union. That failed, to report my credit card trades and retail trades to Trans Union. Equifax, Inc.    

7.Wrongfully shutdown from reporting my credit card and retail trades in April of 2017 until the month of May 2017. Ditto, the same thing with the Barclaycard allegation. That "I've a insufficient record of retail trades".   Between the credit union who failed to report my credit card and retail trades first to: Trans Union and secondly to Equifax, Inc.    

8. This was in part, where Barclaycard CashFoward MasterCard. Obtained its erroneous and misinformation about my credit card and retail trades. Finally, the only two things that Barclaycard obtained correctly from my Trans Union consumer report. Was that my fico score is 767 ( for which Barclaycard gave me no consideration or credit for ) and that. I have a number of recent credit card inquiries on my Trans Union credit report.   

  9. But wait, there's more. On the back of their rejection letter to me. And To add insult to injury. Barclaycard, told me that my Trans Union fico credit score. Has ranged from a low of 300 to as high as 850. And these following factors "adversely affected my credit score???"   

  10. No:1. "length of time accounts have been established". No:2. Proportion of loan balances to loan amounts is to high." No:3 To many inquiries in the last twelve months." No:4. "No recent bank/national revolving balances."    

  11.  Firstly Barclaycard, my oldest account ( a credit union credit card trade account ) is nearly three years old. My credit card bank/national revolving balance account are  a year and half old. And finally Barclaycard, you were erroneously misinformed by Trans Union.      

12. On the "proportion of loan balances to loan amounts is to high." On my Trans Union, consumer report, that propelled you. To sumarily dismissed the factors that I previously described. Which resulted in the confusion , about my credit union's.  

   13. Failure to report my correct credit card and retail trades respective. Up to date information, to Trans Union and Equifax, Inc. respectively. And furthermore, Barclaycard, these erroneous and misinformed alleged factors. That you obtained from my Trans Union consumer report. Must've have been someone elses, because they assuredly weren't mine !!!