Consumer complaint received 2023-03-29
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023 Citibank managers conspired against me burly reporting to the credit bureaus that I obtained my credit through identity theft. They sent documents to XXXX via US Postal mail indicating that all my credit was obtained by identity theft. Citibank white employees are racially profiling me and been harassing me since XX/XX/2023 when I contacted them to file a lawful dispute against a merchant in regards to an online order I made on XX/XX/2023 that was not fulfilled by the merchant. 

Citibank contacted the credit bureau and submitted false documents using my name and impersonated me. Without my knowledge or consent. I became aware of this issue on XX/XX/XXXX and immediately contacted XXXX and advised that the information received by Citibank is false! Instead of stopping this XXXX sent notification to my Creditors which resulted in one credit card by XXXX XXXX being closed due to fraud application. 

To this day Citibank also closed my credit card account for no lawful reason. Their ongoing harassment and lies has caused me to be harmed financially! All of my credit was obtained using my name. My social security number and date of birth! I have never obtained any credit by identity theft. 

Citibank employees put false notes on my credit card and sent false information to the credit bureaus. I need help to stop Citibank from doing this to me. 

XXXX confirmed they received two documents from Citibank with my name, social security number and date of birth indicating that this information is identity theft! That is a lie! I was born in XXXX XXXX  XXXX and I am an American Citizen, both my parents were born in the XXXX XXXX and matter of fact my deceased Father was an XXXX XXXX XXXX veteran who fought in the XXXX XXXX. 

Citibank hires racists who use their job to harass and discriminate against people XXXX XXXXXXXX. Their harassment and lies has caused me tremendous pain anxiety and stress! Citibank XXXX employee has terrorized my life and causing me financial hardship! I need help to stop this. 

To date Citibank false reports to credit bureaus resulted in me being locked out of my online account with XXXX and XXXX taking adverse action towards me! I am a human being and need Citibank to stop this ongoing harassment and violation of my rights immediately! Citibank also put my life and my family life at risk by sending the Police to my home by making false accusations against me! Their harassment and terrorizing my life is ongoing. Their managers by the name of XXXX XXXX XXXX are just a few of their employees involved in this because I am a XXXX woman! Also they reported wrong information to credit bureaus stating I went over my credit limit and reporting a false high balance! I need this corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation