Consumer complaint received 2018-02-07
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
To Whom It May Concern : I am writing once again to formally request that you validate all trade line notations that you have submitted to the three major credit reporting agencies for the following account ( s ) :  Account Name - Citi Account Number XXXX Your recent correspondence claiming that the information is correct is, in fact, inaccurate. You should know as much since I have previously provided you detailed documentation that clearly shows your information to be inaccurate. Your unwarranted and unjustified actions continue to harm to my otherwise exemplary credit history and has caused me to unnecessarily incur higher interest rates and unfavorable loan terms. Moreover, as a result of your unwarranted actions I have also been denied the extension of credit. 
As such, if you do not immediately stop reporting the incorrect information, I will be forced to initiate action against you for your failure to abide by the terms of the Fair Credit Reporting Act ( FCRA, Title 15 U.S.C. 1681 et. seq. ). Moreover, please note that the Federal Trade Commission ( FTC ) has maintained that incorrect credit reporting is equivalent to engaging in prohibited collection activity, which I am sure you know is governed by the Fair Debt Collection Practices Act ( FDCPA, Title 15 U.S.C. 1692 et. seq. ). In any event, I am certain that you can not validate the aforementioned inaccurate entries and therefore demand that you cease reporting this information and take the necessary steps to see that it is deleted from my credit file. 
To summarize : Your company has failed to send the legally required validation of this debt as required under the FDCPA 1692g ( a ). I have notified you that your actions are detrimental to me and have caused me harm and that your actions are, at a minimum, in violation of the FCRA and FDCPA ( See FDCPA 1692k " Civil Liability '' ). 
Despite the fact that your company knows that the continued reporting of inaccurate information is damaging to me, you continue to disseminate incorrect and harmful information to third parties, including but not limited to the three major credit bureaus, XXXX, XXXX, and XXXX. 
Be advised that if this matter is not resolved expeditiously, I will take any and all necessary steps to protect my rights as referenced above. In the alternative, should you wish to resolve this matter amicably, this will be your last opportunity to do so. Therefore, the item ( s ) identified above must be deleted from my credit files with the three major credit reporting bureaus ( XXXX, XXXX, XXXX ) within 5 days from the tracked and verifiable receipt of this letter. Please send me written confirmation that the item ( s ) will be or have been removed and will not reappear on my credit reports again. 
Consider this letter an attempt to correct your records, and understand that any information received from you will be collected as evidence should further action be necessary. Furthermore, if it is determined that you are in violation of the FCRA, you may be subject to special and exemplary damages as well as costs and attorneys fees per 1681n and 1681o of the Act. 
I look forward to your prompt attention to this serious matter.

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