Consumer complaint received 2018-04-30
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 status incorrect

Complaint:
Step 1 : What is this complaint about? 

XXXX XXXX has sent inaccurate tradeline information to XXXX about my credit card four times in XX/XX/XXXX.

I want the inaccurate tradeline information removed, and have contacted customer service at CITIBANK CBNA and XXXX to alert them that the information is inaccurate, and I want it removed.

Step 2 : What type of problem are you having? 

My credit report is continuously monitored by the XXXX XXXX  service by XXXX. I have received four emails in XX/XX/XXXX notifying me about changes to my credit report, made by XXXX XXXX. The changes to my tradeline that have been reported to me are inaccurate.

Step 3 : What happened? 

On XX/XX/2018 and XX/XX/2018, XXXX XXXX reported to XXXX that my account had been Affected by natural or declared disaster. 
This is wrong. I have not been affected by natural or declared disasters, and I did not make any such report, ever. I know of no natural or declared disasters in my surrounding area. 
On XX/XX/2018 and XX/XX/2018, XXXX XXXX reported to XXXX that Consumer disputes after resolution. 
This is wrong. I did not make any consumer dispute on my XXXX XXXX account in XX/XX/XXXX or XX/XX/2018 at all. I paid my accounts on time in each case, without making any kind of dispute. 

Step 4 : What company is this complaint about?

This complaint is about XXXX XXXX customer service and XXXX  XXXX XXXX Customer Care. 
I contacted the XXXX XXXX Customer Care Team at XXXX on XX/XX/2018 to report the inaccurate tradeline update made to my credit report by XXXX XXXX. XXXX    TrustedID Premier Customer Care Team told me there was nothing they could do, and I should call XXXX   XXXX. 
I called XXXX  XXXX  customer service ( XXXX ) on XX/XX/2018, and described the problem to them. They said they would clear up the inaccurate information and remove it from my credit report. 
On XX/XX/2018 I received a letter from XXXX XXXX saying they corrected the issue. However, they did not. The inaccurate information has remained on my credit report, and they have added more incorrect information each month of XX/XX/XXXX. 
In addition, the correction CITIBANK CBNA claimed to have put in place was in itself inaccurate. They said my account was no longer in dispute. That was not trueit was never in dispute in the first place. 
When I received information about more inaccurate updated tradeline reports being made to my credit report by CITIBANK CBNA, I called their customer service line again on XX/XX/2018 to complain about the inaccurate information they keep reporting to XXXX. 
Once again, CITIBANK CBNA did nothing to correct the situation. 

Step 5 : Who are the people involved? 

The people involved are myself and the customer service representatives at CITIBANK CBNA and XXXX XXXX XXXX Customer Care.

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