Consumer complaint received 2023-12-30
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 a response to Complaint XXXX with CFPB. Whoever has responded to this complaint has stated in their letter that they've provided me with a copy of this application. This is FALSE & FRAUD. I've never seen this document & has never been provided any documents that has my signature. This is NOT MY SIGNATURE NOR IS IT MY NAME on my Government Issued Identification. This was done by the employee who works at the Best Buy store located in XXXX, IL. 
I was prompted to put my SSN into the Keypad on the desk in front of me. The employee had my State ID government issued card ( VALID ) in his hand & possession on XX/XX/XXXX. Whoever has responded to this Claim with CFPB has stated the account is no longer reporting on my Credit file. This is a BLATANT LIE! The letter to the ATTORNEY GENERAL on XX/XX/XXXX is about my XXXX Credit file & report ONLY which doesn't include XXXX and XXXX. On XX/XX/XXXX in my XXXX Credit File & Report it shows the account name as BEST BUY/CBNA being UPDATED and the account being CLOSED ON XX/XX/XXXX. WHY is the Account being shown as UPDATED 3 MONTHS AFTER THE ACCOUNT WAS CLOSED but NOT being shown as Closed on the date I closed it??? This is also FRAUD because the account I closed was on XX/XX/XXXX. I never closed the account on XX/XX/XXXXXXXX  as it is shown in XXXX on XX/XX/XXXX. I paid the account Balance in FULL on XX/XX/XXXX but didn't close the account until XX/XX/XXXX. The only Company that shows on this FALSE Application provided by the scammer is BEST BUY. There is NO CBNA attached or the name CITIBANK as it is shown in my Credit Files & Credit Reports. There is also a Soft Inquiry XX/XX/XXXXXXXX  ( day after XX/XX/XXXX Inquiry ) shown on my Credit File. I find this suspicious as the Soft Inquiry read " BEST BUY/CBNA '' which shows the CBNA was added after XX/XX/XXXX Inquiry which is the ONLY Inquiry I acknowledge. There is a " Business Account '' telephone number added as my primary number. WHY has my contact number showing in the BUSINESS ACCOUNT Section? I never applied for a Business Account with Best Buy or any affiliated company with Citibank ever. The application is EXTREMELY BLANK & EMPTY to be considered a legitimate application for an Open Line Of Credit with Citibank. The account has been reported by the internal thieves as a BEST BUY/CBNA separately and a CBNA too . The Soft Inquiry made by XXXXBEST BUY on XX/XX/XXXX in XXXX is connected to Best Buy who has denied this to CFPB in my claim. The name on the application of the Claim provided to CFPB was added as an " AKA '' to XXXX and XXXX. This is NOT MY NAME nor is it my is this my SIGNATURE on this application. CBNA is NOT the ACRONYM that should show with Best Buy when making a Hard Inquiry from South Dakota. Someone by the name of XXXX XXXX from XXXX has his signature on the XX/XX/XXXX response. I have a CBNA account reported to XXXX as XXXX XXXX XXXX XXXX XXXX XXXX, IL but has since been removed only to report address XXXX XXXX XXXX XXXXXXXX XXXX, SD which is a Fraudulent address. I have documents showing CBNA/BBY was a HARD PULL on XX/XX/XXXXXXXX  in my Credit File which is a FRADULENT DATE & FRAUDULENT INQUIRY along with a XX/XX/XXXXXXXX  Hard Inquiry. Also the names related to anything of Citibank is COMPLETELY FRAUDULENT. The name CBNA is actually an Acronym which stands for " CREDIT BUREAU NORTH AMERICA '' Not " Citibank North America ''. The persons who've reported various Account, Account numbers, Account names, Account locations, Account Inquiries, Account Dated of openings and Closings as more than one has violated Federal Laws. They are aware of this and has gone through extremes to cover their lies. My personal information has been used against me by whoever is constantly reporting to the credit bureaus and is COMPROMISED now to fall into the hands of Future Thieves that is Privy to my personal info. My credit file has accounts that's been opened and closed within 30 days by the INTERNAL Employees who are thieves. This is not only a BEST BUY Store Card account made to look like a Citibank Open Line Credit Card Account but also made to look like a XXXX  LEASING ACCOUNT with BEST BUY in XXXX XXXX under the FALSE Soft Inquiry done on XX/XX/XXXXXXXX  named " XXXXBEST BUY '' which they've LIED to say this isn't their Soft Inquiry. Best Buy is the only company I've applied for Store Card ( not a XXXXXXXX XXXX XXXX which is an open line of credit ) in over 11 years or more. My credit file has fraudulent accounts & I CAN pin point the thieves. It is the Best Buy employee & the Executive Branch Supervisor. I do know whoever the employee called on the store phone is the scammer working with each Best Buy employees.

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 non-monetary relief