Product: Credit card

Summary of Complaint I am filing a formal complaint against Citibank , N.A . ( Citi ) for unlawfully closing my Home Depot XXXX XXXX XXXX XXXX XXXX  account based on an outdated and legally prohibited XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citis actions violate multiple federal and state consumer protection laws, including : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 5 ) Prohibits the use of XXXX XXXX records older than seven years in credit decisions.

California Consumer Credit Reporting Agencies Act ( CCRAA ), Cal. Civ. Code 1785.13 ( a ) ( 6 ) Prohibits creditors from considering XXXX XXXX XXXX XXXX XXXX in California.

Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq. Citi engaged in racial profiling based on my name, leading to discriminatory lending practices. 
Unfair and Deceptive Business Practices under Cal. Bus. & Prof. Code 17200 et seq. Citi failed to provide adequate notice and used misleading tactics in its decision-making.

Detailed Description of Events 1. My Strong Credit & Business History I am a XXXXXXXX XXXX XXXX XXXX XXXX with an established financial history. I hold credit accounts with multiple banks, including XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, all of which are in good standing. My business requires access to credit for materials and operations. 

2. Citis Unlawful Account Closure Based on an XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Citi closed my Home Depot credit account without prior notice or explanation. 
On XX/XX/year>, I requested clarification, and Citi responded on XX/XX/year>, explicitly stating that the closure was due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This XXXX  is well beyond the seven-year reporting limit under the FCRA and CCRAA, making Citis reliance on it illegal. 

3. Citi Failed to Provide the Required Adverse Action Notice Under FCRA 1681m ( a ) and ECOA 1691 ( d ), Citi was required to provide an automatic adverse action notice, including the reason for closure and my rights to dispute the decision. 
Instead, Citi forced me to request this information, delaying my ability to take corrective action. 

4. Citis Pattern of Racially Biased Lending Practices Upon information and belief, Citi assumed I was XXXX XXXX based solely on my name ( XXXX XXXX XXXX and subjected me to discriminatory credit treatment. 
Citi has a documented history of discriminatory lending, including a CFPB consent order penalizing it for XXXX profiling in its lending decisions. 
This raises serious concerns about systemic bias in Citis decision-making process. 

5. Harm Caused by Citis Actions Financial Damage : The sudden account closure disrupted my ability to purchase materials for my business, affecting my operations. 
Reputational Harm : When attempting to make a purchase at Home Depot, I was publicly questioned about my ability to pay my bills, causing embarrassment. 
Emotional Distress : Learning that Citi relied on an outdated, legally prohibited conviction left me shocked, humiliated, and distressed.

Requested Resolution I respectfully request that the CFPB take the following actions against Citi : 1. Investigate Citibanks Unlawful Use of Outdated Criminal Convictions in Credit Decisions Citis actions violate the FCRA and CCRAA, and the CFPB should impose appropriate penalties. 
2. Require Citibank to Reinstate My Account or Compensate for Financial Harm Citis wrongful account closure caused financial losses that must be remedied. 
3. Review Citibanks Discriminatory Lending Practices Citi has a history of XXXX bias in lending, and the CFPB should examine its practices for systemic discrimination. 
4. Impose Fines & Corrective Measures Citis failure to provide proper adverse action notices and its deceptive business practices warrant regulatory penalties Supporting Documents I have attached the following documents to support my complaint : Citis Email Admission ( XX/XX/year> ) explicitly citing the XXXXXXXX XXXX  as the reason for account closure.