Consumer complaint received 2024-01-14
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This response is to CFPB Complaint XXXX The date for the response to the ATTY GENERAL is XX/XX/XXXX CC : Office of The Attorney General File No : XXXX The Attorney General received my complaint in XX/XX/XXXX but the scammer who've used my personal information to placed Hard Inquiries on my credit reports and files without my consent or knowledge has also used my first name in " 2 '' additional formats. BOTH of which I do not own. They've chosen to respond to my Identity Theft issues 3 months AFTER The Office of the Attorney General received my complaints. 

In the response, they've included a Best Buy Electronic Application & a response letter from Citi. The application & response letter clearly shows " 3 DIFFERENT NAMES ''. I only identify with my true name & the other 2 are connected to Hard Inquiries & accounts I do not agree, have a knowledge, or have given consent. Each of these names are connected to 3 DIFFERENT ACCOUNTS ... .Best Buy Store Card account, Citibank Credit Card account ( not citibank but says it is being reported as CBNA ), & a XXXX XXXX account ( Best Buy Rent to Own Appliances ) 1 ) Best Buy Application name as : XXXX ... .The application is for Best Buy Store Card ONLY. This is NOT a Citibank Credit Card Application 2 ) Citi Responds Adresses name as : XXXX XXXX ) Citi Response Greeting name as : XXXX  ( The ONLY name I Identify ) This are NOT mere mistakes as I've received Credit reports from 2 CREDIT BUREAUS in XXXX pertaining to the Investigation of Fraud Accounts in placed in the names " XXXX '' and XXXX neither which doesn't belong to me. The name XXXX were both added to XXXX & XXXX Credit Files & Reports 11 to 16 days later after XX/XX/XXXX. 

There was a Hard Inquiry ( XXXX ) ADDED to my XXXX Credit Report and File for XX/XX/XXXX which I didn't consent & have absolutely no knowledge of this date. THIS IS FRAUD XXXX has a CBNA account that was also ADDED showing the Opening date as XX/XX/XXXX & Closing date of XX/XX/XXXX. I also have absolutely NO knowledge & have never given consent of this account or date. CBNA was added to the Best Buy Store Card which I have no knowledge. The employee used Deceptive Business Practices which has been proven stating I CALLED them to re-evaluate my application. I went into my Best Buy located in XXXX, IL. I never called anyone from my Cell phone or from Home. I was physically present in the store when the employee placed the call for my concerns. I didn't apply Online either. With Credit my Scores 800+ with ALL 3 Credit Bureaus, WHY would I need to have this done? I'm Credit worthy & companies would love to extend me credit. The credit approval was for {$4000.00} which threw up a Red Flag in which I questioned once I was approved for the Store Card. 

The Best Buy Application not only has a name which I DON'T identify that the employee entered while he had possession of my State ID, it also has a Signature which isn't mine and the application itself has an Identifying Name which has a date of XX/XX/XXXX. I don't acknowledge or consent to this date. There was a SOFT INQUIRY done on my XXXX Credit Report on XX/XX/XXXX & the name of company is BEST BUY/CBNA. Best Buy is the only company I recognize & whoever 's reporting these Fraud accounts & Inquiries are employees of Best Buy.

Whoever reporting has lied in all responses to the Attorney General, myself, CFPB, etc, to cover up what they intended to do with my credit as my scores were 800+ on XX/XX/XXXX. In all responses, they've constantly added that items reported on my credit reports would be updated for correction. What they don't realize is they don't get the opportunity to do whatever they wish to consumers credit files and reports without repercussions. Had the account been true and accurate, along with entrance of true & accurate personal information & dates, there'd be NO NEED to constantly CORRECT & UPDATE everything reported to each Credit Bureau. Federal Laws & Consumer Laws under Federal Government has been broken. My Credit Utilization has INCREASED tremendously by opening & closing additional fraudulent accounts without my consent & knowledge. The employee of Best Buy & the Cardmember Supervisor must answer for each role they've played in trying to ruin my credit as they are well aware of the theft of using my identity.

There's no need to respond because with each response given by whoever 's responding, they must lie to cover up the previous lies told before which gives proves they're covering up their Fraud. They've provided all I need.

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