Consumer complaint received 2023-12-26
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Please be advised that you are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. The statute of limitations in the state of Texas is 4 years. The account was opened XXXX. This account and debt should have been ceased as of XXXX. Accordingly, I am requesting that you do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. Additionally, any attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, are a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me. I am aware of how long items may remain on my credit reports and any attempt to extend the reporting time will be investigated by me and reported to the XXXX XXXX XXXX and my State Attorney General. I am completely aware of how long the debt is legally collectable and how long it is legally reportable. I realize a debt is allowed to be reported to my credit for 7 years, and my research has shown me that often a collection agency will reset the date of original charge off to the date they purchased it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. It has been well over 7 years, and you are still furnishing this information to my consumer credit report. I am informing you of this knowledge so that you may do the right thing. I have no intention of renewing the expired statute of limitations, so please stop wasting your time contacting me. I expect this will be the last time I hear from you, and I expect the following account to be deleted from my credit report within 7 days : XXXX XXXX. Your company is not only in violation of FCRA violations for trying to collect on an expired debt, but you are also reporting inconsistent information to the credit reporting agencies when all data furnished should be complete and accurate. How are you reporting different payment history, balances, and date last active for the same account? This is clear negligence, defamation of character, and gross misconduct. Furthermore, this is not my account, I was merely an authorized user to help advance my credit. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 7 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your organization has caused me. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. See attached account referenced.

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