Consumer complaint received 2017-05-18
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are   XXXX   companies reporting a delinquent account that originated with a 60 month loan with CitiFinancial that was secured by a vehicle. The Loan was originated on   XX/XX/XXXX  for th e loan amount of {$18000.00} at 22.99 % APR with the first payment due on   XX/XX/XXXX . I  paid this loan as agreed until Approximately   XX/XX/XXXX  wh en the loan was transferred to    XXXX   XXXX   for servicing. I was notified by   XXXX   XXXX   that my b alance was still {$13000.00} after I had been paying my payments since  XX/XX/XXXX   (  5 years ). I disputed this and refused to pay until I was given proper documentation showing payment history and account balances. I never received any response other than an offer to settle the account on   XX/XX/XXXX  w hich I refused via fax  on  XX/XX/XXXX  and a sked them to come and pick up the car that the loan was secured on.        XXXX   XXXX   then transferred the Loan to   XXXX   XXXX   w ho also tried to collect before selling the account to   XXXX   XXXX  . I currently have a delinquent closed account being reported on all  XXXX  of my credit bureau reports by    XXXX   XXXX   XXXX    fo r the loan which was originated with Citifinancial as well as a delinquent Open Collection Account on all  XXXX  of my credit bureau reports by  XXXX    XXXX   in the amount of {$13000.00} which again was originated with CitiFinancial. My credit reports also show that the Loan which originated as a 60 month, 22.99 % APR loan secured by a vehicle is now showing as a 128 month real estate loan secured by a property and with a completely different interest rate of 13.32000 % ( shown on the   XXXX   XXXX   Welcome Letter  ) ;  completely different than the Original Note ( Shown on the  Citifinancial Loan Origination Note ) The   XXXX   XXXX   Welcome letter does however reflect the correct Citifinancial Loan /Account number and corresponding    XXXX   XXXX   account number, which is then referenced by   XXXX   XXXX   an d  XXXX   XXXX . I will also include a letter from  Citifinancial  stating that they no longer have any of the documents of my real estate loan that was originated with them  (  it was actually a 60 month vehicle loan that originated on XX/XX/XXXX   XX/XX/XXXX   ) so they will delete the account from my  XXXX  agency credit reports.     I would like to have any delinquent accounts associated with the  Loan  that was Originated with Citifinancial be deleted from all  XXXX  of my credit bureau reports PERMANENTLY Deleted.             I want any and all delinquent accounts that originated with the  Citifinancial Loan  from   XX/XX/XXXX  b e Permanently Deleted from all  XXXX  of my credit reports from the  XXXX  major credit reporting agencies. Primarily the Delinquent account being reported by    XXXX   XXXX   XXXX  ,    XXXX   XXXX   XXXX ,  Citif  inancial Inc,  and  XXXX   XXXX ,  XXXX .

Company response to consumer: Closed with explanation