Consumer complaint received 2019-06-13
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hi and to whom it may concern : I'm not sure what's going on with this account. I'm trying to get Macy 's to provide a method of verification under the provisions of FCRA section 623, and the only thing I'm getting back is a simple 1-page canned response saying that I need to contact the credit bureaus. And when I contacted the credit bureaus they are directing me back to resolve it with the original company. 

Below is a letter i had sent to Macy 's Dated on XX/XX/19 Dated : XX/XX/2019 MACYS/DSNB ATTN : CONSUMER DISPUTE XXXX XXXX XXXX XXXX, OH XXXX PHONE : ( XXXX ) XXXX To whom it may concern, I disputed this with all of the credit reporting agencies and they say you verified it yet I received no sworn verification from you. You are not allowed to just claim something is verified and not provide the actual documentation and sworn affidavit of verification. Failure to do so is and NOT verified! Thats what the courts say, so I reject your claim of verification for this alleged account. 

I am requiring you to remove this from my credit reports pursuant to FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) because in order to be compliant with this section of the FCRA, you were REQUIRED to get my consent in writing to collect any information, to make any communication about any account on my credit report. I have NEVER consented to your communication on my credit reports. 

I am also Opting Out of the sharing of this non-public personal information with non-affiliated 3rd parties pursuant to the Gramm-Leach-Bliley Act ( GLBA ) 15 USC 6802. Credit reporting agencies are non-affiliated 3rd parties. I am  attaching a brief on the GLBA and Privacy Act highlighting what I am saying. 

By this notice, debt collector and/or Alleged Creditor, including its/their principals, agents, assigns, employees, shall comply with the provisions of the Gramm-Leach-Bliley-Act, 15 USC 6802, 6803 the Privacy Act of 1974, as lawfully amended at [ 12 USC 3401 ], the Right to Financial Privacy Act of 1978, as lawfully amended at [ 5 USC 552a ], and the Third Party Summons Act special procedures [ 26 USC 7609 ], for assisting the Respondent in keeping inviolate certain constitutionally protected privacy rights and guarantees, and from preventing encroachment thereon, also Opting Out of any and all non-affiliated third party reporting of any kind of my personal identifiable information.

By this notice, debt collector and/or Alleged Creditor, including but not limited to principals, agents, assignees, employees, shall comply with this demand ; debt collector and/or Alleged Creditor, shall provide Respondent with a copy of any express written authorization from Respondent, whereby debt collector and/or Alleged Creditors authorized for disclosing/divulging/sharing, any type or kind of my personal identifiable information with any non affiliated third-party, in any manner, as well as by means of communication, any information, documentation, data, property, effects and the like re Respondent. Debt collector and/or Alleged Creditor failure/refusal in providing said foregoing demanded authorization constitutes admission and stipulation that debt collector and/or Alleged Creditor are in violation of, including but not limited to Gramm-Leach-Bliley-Act and Privacy Act.

FULL CEASE AND DESIST SHARING OF INFORMATION WITH ANY AND ALL CREDIT BUREAUS PURSUANT TO GRAMM-LEACH-BLILEY ACT, The PRIVACY ACT of 1974, & The FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) You are hereby notified under provisions of the Privacy Act of 1974, the FCRA, and The Gramm-Leach-Bliley Act that I DO NOT CONSENT TO THE COLLECTION OF INFORMATION OR MAKING OF COMMUNICATIONS ON MY CREDIT REPORT. I officially OPT OUT of the sharing of my non-public personal information with non-affiliated 3rd parties such as and specifically the credit bureaus, pursuant to the GLBA.I am also reminding you of the prohibition of the sharing of my non-public personal information pursuant to the Privacy Act of 1974, and for your Failure to get my consent in writing for ANYONE to collect information used to make a communication on my credit report. You are required to completely remove, delete all traces of this from my credit reports IMMEDIATELY.

You have 15 days to send to me confirmation in writing that you are ceasing sharing this information pursuant to the Full Cease and Desist ordered by me, which includes deleting this alleged account from every one of my credit reports and every credit bureau you shared the information with.

Silence Equates To Agreement ~ Point of Law.

Time is of the essence, XXXX XXXX Without recourse, all rights explicitly reserved UCC 1-308, 3-415, and 1-1031

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