Consumer complaint received 2022-06-18
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I the consumer checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry was made : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX NJ XXXX Inaccurate information reported XXXX XXXX XXXX XXXXnquired on XXXX XXXX, XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Inaccurate information reported CITI CARDS CBNA Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Inaccurate information reported XXXX XXXX NA Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inaccurate information reported I the consumer contacted XXXX  XXXX, Citi Cards CBNA, XXXX XXXX and XXXX XXXX XXXX  who were the ones who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I the consumer also asked them to stop their illegal activities according to 15 USC 1681b 604 ( 2 ) immediately, but there has been no change and no response from their office. Since I the consumer sent these letters more than 30 business days ago, they have not responded and they failed to honor my request. The inaccurate information being illegally reported has unfortunately caused me harm.

I the consumer wasnt able to obtain credit, housing, or employment and my ability to obtain insurance because of this inaccurate and unverifiable information is being reported on my consumer report. I the consumer did not apply for this and had the ( credit bureau ) been in compliance with the FCRA 604 15 USC section 1681b and 15 USC 1681A ( 1 ) as well as 15 USC 1681A ( 4 ) of the FCRA fairness, respect for consumer rights, impartiality and my right to privacy as the consumer would not have been violated. The banking system, being dependent on accurate credit reporting which is an essential part of the bank 's function as well as the publics confidence would not have been violated. It is your duty as a consumer reporting agency to report accurate information which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevance, and proper utilization of such information in accordance with the requirements of the FCRA 15USC 1681B.

I the consumer would appreciate your help in resolving this matter and removing this inaccurate information within 15 days required by the law. Please never ever report this inaccurate information on my report ever again. 


Thank you for your help and assistance. 

Sincerely, XXXX XXXX ____________________________ XXXX XXXX

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