Well Yes. Actually, that could be worst. To say that you believe in God but is not reflecting on your actions.

Titus 1:16 (NIV)

16 They claim to know God, but by their actions they deny him. They are detestable, disobedient and unfit for doing anything good.

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For the point number 2, that's what they say they are. They are not believing in God because X happens, therefor there is no God. It maybe out of frustration but it was never my claim that they are atheists, they're the one who said they are.

I singled out atheism as an observation about them, but then again I mentioned that I'm not saying that all atheists are like that in my disclaimer.