Consumer complaint received 2019-08-09
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Universal CitiBank card XXXX  says : opened XX/XX/XXXX 1st reported XX/XX/XXXX - wow over 10 years? 
Recent balance of {$4000.00} in XX/XX/XXXX but the status hasn't been updated since XX/XX/XXXX despite a very important change. 

XXXX  says : opened XX/XX/XXXX 1st delinquency XX/XX/XXXX ( never happened ) but didn't report it until XX/XX/XXXX ( that was me actually, not them.. their computer is backwards ) Date of last payment XX/XX/XXXX scheduled payment : {$4000.00}, past due {$2500.00} XX/XX/XXXXnotes : consumer declared natural disaster ( that was them, not me ) Consumer says : 1. This account was closed in XX/XX/XXXX. 
2. Given the fact that XXXX  didn't know of it until XX/XX/XXXX, I'm not sure the one currently showing up is even the one I disputed years ago when I didn't get my bill, had my payment processed incorrectly and my account mixed with someone else 's BUT it's all besides the point because ... 

IRS says : Canceled XX/XX/XXXX Identifiable code : G ( that means " claim filed with government '' in XXXX  language and " collection account '' in XXXX  language - though both admit I have no collections anywhere in my file. Perhaps that's because in IRS language G means : DECISION OR POLICY TO DISCONTINUE COLLECTION. I tried explaining to the phone agents that XXXX  wasn't a country ... yes, really.. they thought XXXX  had its own laws, as well as attempting to explain to XXXX  that the IRS is a US government agency with jurisdiction over financial laws such as these but they didn't understand or care cause they have no idea who or how the computer obtains its info or who is in charge of fixing errors. 

Citibank is also having a hard time understanding that an IRS cancellation on XX/XX/XXXX at the final balance of {$3700.00} means no charge-off status can exist and any amount above {$3700.00} never did exist. One would have to understand US currency and calendar dates to get that these reports don't make sense. XX/XX/XXXXcomes after XX/XX/XXXXwhen the account status was last updated. The charge-off status is hereby overwritten by the IRS due to multiple violations of the Fair Credit Reporting Act to the best of my knowledge, which is limited but still more than anyone who works at XXXX, XXXX  or half of Citibank. 

I'm not putting anyone down as credit reports are hard to understand but I'm sure they're a lot harder when you aren't familiar with the currency, language, calendar, mathematics, laws or government agencies associated with the files you're working on and can't be held personally ACCOUNTABLE since you don't live or work in the country of which the laws exist. However, that doesn't make the crimes inflicted upon me legal. Please stop ruining my life. I'm just trying to make an honest living. 

PS. The letter they issued in response to the last time I reported them says federal regulation requires the message printed on the reverse side but they didn't send me the other side?

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