Consumer complaint received 2019-11-23
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: Information belongs to someone else

Complaint:
I would like to file a lawsuit against Macys Department Store if they dont remove. Many reasons why. Its in regards to card at Macys with only a mere minimum credit line of {$100.00}. The account reflects open as of XXXX on my credit report. It currently shows as a closed account with a crazy balance of {$940.00}! For a XXXX credit limit? It makes no sense? Anyhow I was XXXX at the time and starting my life. Credit was of extreme importance as I needed it for basically everything, its our lifeline and says a lot about a person. Anyhow, because of that stupid Macys card, it held me back from everything involving credit. I have done disputes for over 10 years with XXXX XXXX and XXXX. I have given every reason in the book even and it always comes back as, verified as accurate. If I been disputing for longer than 7 years and a total of 30 payments at XXXX each when the account wasnt used? Thats uncanny and whomevers account it is they need there money back because I have no knowledge of such or even got a notice that account was closed or calls or anything which is weird too? I didnt want to call because every time you talk to them, it remains on your credit another 7 years. Unfortunately just dealt with having to pay high interest rates and wanted to wait the 7 years to fall off but never did! So now its been 14 years and it has depressed me and frustrated me over the course of again, 14 years! This has created and added to major XXXX and XXXX in which I have proof. Anyhow this only adds to my XXXX XXXX state. Im going backwards in life now because of this and am XXXX now and care about my credit is why I am working to repair it. Credit even affected me getting work. I decided to call and look into it and it looks like a total of 30 payments were made at XXXX each and I have no knowledge of such and didnt make sense because credit limit was XXXX! And this is close to {$800.00} in payments and it reflects XXXX closed balance on my credit report which shows 947 % credit utilization over that XXXX limit. I never opened this account and need proof because I have had identity fraud in past which may be on file. Credit drastically drops because of a 947 % credit utilization which shouldnt happen in first place and shouldnt go past the XXXX limit. Thats a discrepancy right there. Anyhow I decided to call and basically -Sorry for the mistake we still got ta send for investigation on Macys side and a 60 day waiting period? I been waiting a decade. Please please help me get this removed. During the payment period and the dates of payments I wasnt even in the country and have proof. I was in XXXX for work during XXXX I also had to endure paying higher interest rates and live in places I didnt like etc. because of my credit score.  Again, I am XXXX now and just ready to take action in my life again and just keep being a good person. I want justice even after disputing this so much pain and suffering from this and it has mentally drained me. I thank you for taking the time to read this. Also I have emails from payments in which it addressed XXXX which is same last name as mine! So that poor lady is probably making payments that are not even applying to her account which ends in XXXX I think mine which is not really mine is supposedly XXXX and can see the tangled webs of craziness and have reached my end of how to deal with this. I even have a dated payment from XX/XX/XXXX and account shows closed the same month as well. Macys seems difficult to deal with and Im sure other people have the same issues and some just dont take action. I sincerely thank you for taking the time to read this. Attached to will see 2 different account numbers and names?

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 non-monetary relief