Consumer complaint received 2023-12-29
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
When you are furnishing information to the CRA and that information you provide is inaccurate or incomplete you must PROMPTLY notify the CRA and provide corrections or additions. The FCRA requires that if you furnish any information to the CRA, you must include : Consumer credit limit You also may not report disputed information to the CRAs without telling the CRA FCRA 623 ( a ) ( 4 ) Properly furnish information to the CRA regarding a closed or charged off account FCRA 623 ( a ) ( 5 ) ( A ) Provide month and year of any referral to the CRA FCRA 623 ( a ) ( 5 ) ( B ) Accurate data FCRA 623 ( a ) ( 7 ) ( G ) ( i ) As defined by the Gramm-Leach -Billey Act And provide any proper notices as defined by the Truth in Lending Act 12 CFR Part 1022, Appendix B, FCRA 623 ( a ) ( 7 ) When you are notified by the CRA that a XXXXXXXX XXXX identity has been stolen ( XXXX XXXX PRACTICES ) ; you have specific duties under FCRA 605B. If the CRAs notify you that the information is being blocked due to identity theft you must not re-report FCRA 623 ( a ) ( 6 ) ( A ). You may not sell, transfer or place the debt for collection FCRA 615 ( f ) ( 1 ) and report accurate information FCRA 623 ( a ) ( 2 ) and supply complete and accurate information to law enforcement FCRA 605B ( f ) 615 ( g ) Dark web - 120 exposures, ToR, cloud etc - to verify a consumer identity when you see fraud FCRA 605A ( h ) ( B ) ( ii ).

The Fair Credit Reporting Act 15 U.S.C. Section 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness and privacy of consumer information contained in their files and regulates the collection, dissemination and use of consumer information. Title VI of Pub. L. 91-508, 84 Stat. 1114, enacted October 26, 1970 entitled An Act to amend the Federal Deposit Insurance Act to require bankers to maintain certain records, to require that certain transactions in United States currency be reported to the Department of Treasury and for other purposes - written as an amendment to add a title VI to the Consumer Credit Protection Act, Pub.L. 90-321, 82 Stat. 146 enacted June 29, 1968. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ... XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If a consumer 's rights under the FCRA are violated, they can recover ; actual or statutory damages, reasonable attorneys fees and costs ( pursuant to 15 U.S.C. 1681n ( a ) ( 3 ). ) court costs, and punitive damages if the violation was willful - punitive damages under 1681n of the FCRA. 

Statue of Limitation TEN YEAR window after the violation occurred 2022 XXXX XXXX XXXX XXXX XXXX, continues into 2023. 

Users of consumer reports information such as credit, background checks have the following responsibilities under the FCRA - Users can only obtain consumer reports for permissible purpose under FCRA and they must notify the consumer each time an adverse action is taken on the basis of such reports. Users must identity the company that provided the report so that it may be verified by the consumer. User being a company that furnishes information to CRAs with some sort of credit agreement such as a finance company, banking institution - not a church cult, XXXX XXXX, neighborhood XXXX patrol, or any other black market unauthorized parties. 

Regarding XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, etc ) ; the FCRA classifies them as nationwide specialty consumer reporting agencies under Section 603 of the Fair Credit Reporting Act - they are to also comply and maintain files on consumers on a nationwide basis relating to : HIPAA ( medical records ), residential or tenant history ( ALL ), check writing history ( e.g. Setup/Frame up - {$2000.00} XXXX XXXX XXXX fraud XXXX XX/XX/XXXX ), background checks and other public record information. They are also required to provide annual disclosures of their report files to the consumer. 

There have been violations of FCRA 611 ( a ) rule amongst a list of others offenses still within the Statute of Limitation and my children ( Attempts XXXX XXXX ). 
In response to CFPB XXXX Violations of the FCRA have a close relationship to the harm caused by the publication of defamatory information, a consumer does not have to prove that the false reporting caused an injury because the false reporting itself is the injury. The record contains evidence that the information on my credit reports is inaccurate. The FCRA, in 15 U.S.C. Sec. 1681n ( a ) ( 1 ) ( A ), allows a consumer to recover [ 1 ] any actual damages sustained by the consumer as a result of the [ violation ] or [ 2 ] damages of not less than {$100.00} and not more than {$1000.00}. ( emphasis added ). Despite receiving notice of dispute and the CRAs failed to conduct a reasonable investigation pursuant to the FCRA, failed to review all relevant information, failed to correct and update the credit report, and failed to take appropriate measures upon notice of the disputed debt as outlined in the FCRA. Since 2013, there have been numerous and multiple willful, reckless or negligent violations of the FCRA ; causing statutory damages pursuant to 15 U.S.C. 1681n ( a ) ( 1 ), punitive damages pursuant to 15 U.S.C. 1681n ( a ) ( 2 ). 
My family has standing, to be eligible to pursue and file a federal civil XXXX lawsuit. Under federal law ( 18 US Code 1962 ), the following four factors are explicit elements : The plaintiff must be a persondefined as an individual, have sustained an actual injury ( tangible harm ) ; sustained to the plaintiff property ; due to racketeering activity. 
XXXX makes it unlawful for any person employed by or associated with any enterprise engaged in, or the activities of which affect, interstate or foreign commerce, to conduct or participate, directly or indirectly, in the conduct of such enterprise 's affairs through a pattern of racketeering activity or collection of unlawful debt. 18 U.S.C. 1962 ( c ) Black 's Law Dictionary 156 ( rev. 4th ed.1968 ) A civil XXXX lawsuit allows the recovery of compensation for damages caused by racketeering activity. My family has strong, well-supported initial claim that raises sufficient allegations to move past the pleading stage. XXXX charges are not limited to mafia-related activities and other types of organized criminal activities in an enterprise or organization.

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