Consumer complaint received 2023-04-19
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I applied for a XXXX XXXX card and was approved. 
Citibank Changed my address and mailed to this incorrect address. 
After notification to Citibank a supervisor admitted to citi causing the mistake. They would again send a card. They again sent the card to a wrong address. 
Citibank then requested I reapply because of the time that had passed. I said it was not my mistake and another hard inquiry would effect my credit score. Citibank has various ways of determining if my credit had changed during this process through soft Inquiry. The card was closed. 
Citi then reported this address to the credit bureaus. I have numerous recorded calls from citibank. I have been called by citibank from a XXXX area code asking me to call XXXX. I have done so and they representative has no idea why I am told to call. I filed a dispute with the credit bureaus and they contacted Citibank and Citi claims it is my address. My address is XXXX XXXX XXXX # XXXX XXXX Texas XXXX. Citi has listed my address as XXXX XXXX XXXX XXXX Texas XXXX. This is a non existent address. I never received a credit card though several conversations were made and again a supervisor admitting that an employee entered the wrong address. The Credit Card was never sent to me. I dont feel it should even be on my credit file as I was never given opportunity to activate or use the Card. The address should also not be the n my Credit files. I have numerous recordings and also voice mail from Citibank. They have Wasted XXXX of hours of my time. I have followed every instruction given to me by various Citi employees and they have changed nothing. They know for example the address is not correct and when contacted by the Credit Bureaus they state to them it is. I have been contacted by other companies where I have an account after they are somehow notified of this address. This has also caused me numerous hours of explaining. I have never been late on any payments Or accounts I have ever had. I am close to an XXXX credit score. They wanted another Hard Inquiry on my credit due to their admitted mistake. I have also been questioned on why I have a Citi card opened and closed in such a short period of time and again I am questioned on this fictional po box . Citibank is well aware of what has transpired and has refused to correct the issue. If a person was one day late on a payment they have the power report this to credit bureaus. I have no power to show how Citibank has acted in this matter and again They were contacted by the Credit Bureaus by my filing of a dispute and refused to correct the issue. I am sure they didnt even bother to look they just tell credit bureau they are not wrong. If they had soent less than 5 minutes looking into to the claim they could have corrected it. Again I have numerous calls and voice mails from Citibank and they admit the mistake to me personally but not to the Credit Bureaus

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