Consumer complaint received 2020-03-13
Company: CITIBANK, N.A.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CITI, its counterparts and or subsidiaries, but not limited to, has refused to provide what has been asked of them by way of certified letters. 

CITI, its counterparts and or subsidiaries, but not limited to, has received 38 certified letters from me to provide exact verification as stated below. They admitted identity theft, yet refused to remedy my credit on their allegations. 

They know this is not my account but continue to illegally report otherwise, reporting derogatory marks on an unverified account after saying theyd verified the account not producing any evidence as listed here below to provide and Instead evading and making Harassing phone calls against regulations even after having received a Cease and desist. 

Upon researching this corporation they have a steady history of class action lawsuits both past and present for their illegal tactics through themselves their counterparts and or subsidiaries, as is seen within the CMPBs own documented cases against them for the exact same cause of action.Yet they continue on believing themselves to be above the law not to be punished for their heinous willful negligent and purposeful crimes of retaliation and negligence. 

They have continued harassing calls despite my documented complaints and have further refused to provide lawful necessary stated compliant responses for verification.They continue to have their outsourced affiliates from the XXXX call to say there has been usual activity on my card and have sent letters before saying this or that I changed my email with them ... This is not true and I can provide evidence of this as I can their clear attempts at manipulating tactics I HAVE NEVER HAD A CARD FOT THE ALLEGED ACCOUNT they claim is connected to me. 

THEY FRAUDULENTLY CONTINUE TO REFUSE TO REMEDY AND SEEK ANY MEANS POSSIBLE NOT TO PROVIDE ME WITH FCRA REGULATIONS STATED VERIFICATION. 

They have refused to provide any of their verifications here which I requested numerous times to provide the following information with a declaration sworn under penalty of perjury under oath. : Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) (  B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : *The description of the procedure used to determine the accuracy and completeness of the information. 

*Name, address, and telephone number of each person contacted regarding this alleged account. 

*A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-Oscar verification is unacceptable.I am requesting a re-investigation along with your method of verification. 

The item ( s ) in question are inaccurate representing a very serious reporting error. 

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA.If not, I expect this item will be removed from my credit files immediately. 

NON OF THIS VERIFICATION WAS PROVIDED AS STATED BY FCRA RULES AND REGULATIONS NECESSARY FOR COMPLIANCE.AS SUCH COMPLAINTS CONTINUE TO BE FILED AND FURTHER ACTION IS PENDING UPON THE RECEIVED COMPLIANT RESPONSES AS STATED. IT IS A FEDERAL CRIME TO ILLEGALLY REPORT UNVERIFIED INACCURACIES UPON A CREDIT REPORT ALONG WITH DEROGATORY TRADE LINE MARKS AND COMMENTS ALBEIT DOCUMENTED ADMITTANCE OF IDENTITY THEFT AS STATED BY THEM. 

PLEASE REMOVE ANY AND ALL INACCURACIES UPON MY CREDIT REPORT IMMEDIATELY.I KNOW OF NOTHING THAT SUPPORTS THEIR CLAIMED ALLEGATIONS.

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