Consumer complaint received 2024-01-13
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 is my response to CFPB Complaint XXXX This is NOT Citibank but the theft who is responding to my complaint which states that " NO PROBLEM WAS DONE OR HARM WAS DONE OR COMMITTED WHEN OPENING A " VISA CREDIT CARD ACCOUNT WITH CITIBANK '' in names other than what is on my State Issued Identification Card/DRIVERS LICENSE & inquiry submitted on XX/XX/XXXX. The harm was done when Hard Inquiries were placed on my Credit File before & after XX/XX/XXXX by those employed bu the company. I didn't apply for a Citibank Credit Card from CITIBANK, THE BANK because I don't use or need credit with any bank, directly! 

I never asked or called Citibank this day for a " REVALUATION or RECONSIDERATION of the BEST BUY STORE CARD I applied. The employee lied to say I wasn't approved for the store card. I questioned the fact of how & why when I knew my credit scores & I knew exactly what was on my credit reports from EACH credit bureau. I NEVER ask him to place a call from his desk in his store where he worked. The problem is WHY would I need to be reconsidered for a store card when I know I'm credit worthy? Another problem is my name isn't XXXX & could never be used as my name to apply for a line of credit with any company or bank. Since when has The Secretary of State taken documents that's doesn't show & prove your GOVERNMENT NAME? This is the only way you'll receive a Driver 's License and State ID & these PICTURE ID 'S are the ONLY method any company will provide a line of credit to you. This is not my name nor it that my signature on the FALSE application. Whatever was done was done with MALICE & INTENT TO FRAUD. Nothing about my personal information changed or annual salary had changed so WHY would the employee say I was denied credit for the store card to me being instantly approved within 2 minutes when I disputed the denial in the beginning. This was done using Deceptive Business Practices by the employee. I NEVER asked for a Platinum Visa Credit Card with Citibank. On XX/XX/XXXX, I called the number XXXX & spoke to quite a few people because different accounts under BEST BUY/CBNA & CBNA ( alone account ) was being reported on my credit accounts. I found in XXXX that this CBNA account was reported to be opened on XX/XX/XXXX & CLOSED XX/XX/XXXX. I had not visited Best Buy Store Location nor had I applied applied for a store card with Best Buy on XX/XX/XXXX so WHY was this account added to my XXXX Credit File & Credit Report? This is absolute FRAUD! My credit reports were LOCKED as I had Credit Monitoring for years prior & would have alerted me in XXXX had if this were a true inquiry. This account was put in my credit file on XX/XX/XXXX when I unlocked my credit to apply for the Store Card which shows it's not credible or accurate! This account was added as " AKA '' with the name showing 4 of the seveXXXX letters of my full name being reported on this account. Whoever reported this CBNA account added it to the BEST BUY Store Card on XX/XX/XXXX to my XXXX XXXX XXXX also ( 16 DAYS AFTER XX/XX/XXXX ) which then showed as a COMBINED account ( Best Buy/CBNA ) on ALL Credit XXXX XXXX XXXX XXXX This CBNA ( alone ) account was added to my XXXX Credit File on XX/XX/XXXX ( 11 DAYS AFTER XX/XX/XXXX ). An " XXXX '' was also added to my XXXX XXXX XXXX for XX/XX/XXXX. 
The Application does NOT show CITIBANK ( THE BANK ) as an OPEN LINE OF CREDIT ( VISA ) as being part of the application which is suppose to have my signature. This is not my name nor my signature on this fraud application. The CBNA account was ADDED 11 to 16 days AFTER XX/XX/XXXX. Also the accounts are shown to have far too many hard inquires reported to the supposed " 1 '' account with far too many different addresses & opening/closing dates. The locations reported are PERMANENTLY CLOSED locations while only providing ONE contact number & that directed to BEST BUY CARDMEMBER SERVICES. Even the addresses that's was provided as Contacts on each credit report and Annual Credit Report for the Credit Bureaus were FALSE! ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, & XXXX XXXX XXXX, XXXX XXXX, SD. Had this been a true & accurate account, there'd been only " 1 '' address reported to every credit report for the Best Buy Store Card Account ( no CBNA added WEEKS later after the account established on XX/XX/XXXX ), my true & correct & FULL name as it is written on my State Issued Identification ( not a NICKNAME ), & the unecessary & FALSE updates to XXXX XXXX XXXX XXXX reports to secure the legitimacy of the Fraud accounts as being factual & true ( which is false & fraud ). I also received a Best Buy Statement which has the Cards ( I received ) as showing the Statement Account Number IDENTICALLY MATCHING the Card Number which is total FRAUD. Each account reported using different names in each credit bureau shows several different account numbers some 16 digits ( some digits are hidden with " x '' to mask which is I understand ), while other account numbers being reported having only " 12 '' digits. Either way, the only reason any Company would report any accounts as this one has been reported would be for the use of FRAUD, whether now or in the future. Those employed by Best Buy INITIATED the fraud by lying & placing a call from his phone to whoever he works with, INTERNALLY. This is a FRAUDULENT account & this was actually a " BEST BUY STORE CARD ( only used in store locations ) made to imitate a " Citibank Credit Card ( Visa to be used anywhere ) done on behalf of the thief working in the Card Processing Center ). Last, had this been an honest & factual account, there'd be no need to remove any of the accounts that was reported as Best Buy & CBNA. For the record, my name was reported " 3 '' different ways using 3 different spellings ( AKA & ALIAS ) under each accounts & reported to all 3 credit bureaus which shows it actually does matter how my name is used, spelled and reported. I would hope the thieves would know better than to think they can do whatever they please while reporting whatever they choose using my own personal information only to REMOVE the same Fraudulent & NON CONSENSUAL accounts they reported without having to face CONSEQUENCES by breaking Federal Laws. The Credit Bureaus must answer for their actions too as ALL worked together against me, THE CONSUMER. I have rights & those rights were Violated. See your company in court!

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