Product: Credit reporting, credit repair services, or other personal consumer reports

- XX/XX/2020 I had my credit pulled by a lender in preparation for buying a home. Upon conducting this credit inquiry, my lender informed me that I had a derogatory remark on my credit from a Citi Bank XXXX XXXX Charge Card for a transaction for airfare and billeting that I was not responsible for. 

- XX/XX/2020 XXXX : Called Citi Bank XXXX XXXX - Call Duration : 34mins.33secs. 

I called Citi Bank to inquire on what this derogatory remark was for. They confirmed my address and stated that they would send me a 1099c. I was not aware of what this document was for, I was just trying to find out how to resolve this issue and they had never sent me any documentation previously. 

- XX/XX/2020 XXXX : Called Citi Bank XXXX XXXX - Call Duration : 32mins.35secs. 

I called Citi Bank to inquire on what I could do to resolve this as my lender had informed me that a 1099c was similar to filing bankruptcy on a singular basis for one specific debt and results in a derogatory remark on one 's credit. 

- XX/XX/2020 XXXX : Called Citi Bank XXXX XXXX - Call duration : 14min.17sec. 

I called Citi Bank and asked to speak with the Fraud Department. I told them that I was calling to notify them that I needed help disputing and fixing an inaccurate derogatory remark on my credit. The person I spoke with told me it was my responsibility and they refused to allow to dispute it. I asked to speak with their supervisor and they said they would have a manager call me back within 24-48hrs. 

- XX/XX/2020 XXXX I missed a call from the Citi Bank Fraud Department . 

- XX/XX/2020 XXXX : Called Citi Bank XXXX XXXX - Call Duration : 8mins. 

I called Citi Bank back and spoke with a representative by the name of XXXX. She told me that she would have a Fraud Dept. Manager call me back within the hour. 

- XX/XX/2020 XXXX : Citi Bank Called Me XXXX XXXX -Call Duration : 2mins15secs. 

Fraud Dept. Rep. XXXX called me back and informed me that the manager would not be calling me back because it was a recovery dept. matter. She then provided me with the Recovery Dept. 's information. XXXX - XX/XX/2020 XXXX : Called Citi Bank - XXXX - Call Duration : 18mins17secs. 

I called the Recovery Dept. and spoke to Recovery Dept. Representative XXXX ( sp ) to notify them that I was disputing and needed help removing this inaccurate derogatory remark from my credit history. XXXX was very rude, uncooperative and specifically told me that Citi Bank would not help me resolve this matter. I then asked XXXX for his supervisor and he transferred me to a supervisor named XXXX who claimed his employee number was # XXXX ( which is also conveniently my current home residence apartment number ). XXXX claimed that it was not the correct protocol for me to be contacting Citi Bank regarding this matter and that because they had already sent me the 1099c, I would need to contact the three credit bureaus directly myself. I notified him multiple times that I was formally disputing the responsibility of this fraudulent credit reporting and the resulting derogatory remark. XXXX told me that he would not do anything and would not open an investigation. I asked for his supervisor and he informed me that they would call back within 24-48hrs. 

- XX/XX/2020 XXXX : Incoming call - XXXX - Call Duration 33min.34secs. 

I spoke with a Mr. XXXX ( Employee ID # XXXX ) who told me that they can not help me because they have already issued a 1099c. He then explained that due to the 1099c it is now a matter with the IRS despite it never having been my financial responsibility to begin with.