Consumer complaint received 2023-09-20
Company: CITIBANK, N.A.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my second complaint against Citi regarding the same problem because they refuse to comply with their regulatory FCRA duty to remove the credit reporting error occurring on XX/XX/2023. I am the victim of identity theft and on XX/XX/2023 someone in XXXX XXXX, IL attempted to apply for a credit card with my personal information with Citi and XXXXXXXX XXXX These inquiries immediately notified me through my credit monitoring and I disputed with the respective companies the same day. XXXXXXXX XXXX immediately removed the inquiry from my credit report and confirmed the application was denied because it was routing from XXXX XXXX. 

I have attached my original CFPB complaint and pitiful Citi 's response refusing to correct my credit reporting. I'm angry on XXXX points : 1. Citi 's reply denies I was an identity theft victim because all of the information on the credit card application matched my personal information. The usage of my correct personal information is the sole nexus of attempted identity theft fraud. I have never disputed whether my personal information was correct in the application, but rather that I did not submit the application.

2. Citi claims my FCRA dispute was denied because my personal information matched, however, this is false. On XX/XX/2023 Citi called to inform me my original dispute investigation was completed. On that same call they asked for my mailing address to send the results. Citi did not have my mailing address to confirm my personal information was even correct at the time they originally completed their " investigation. '' 3. Citi refuses to confirm the mobile IP location of the attempted application because it would confirm the applicant was not me. On the same day of the Citi application, XX/XX/2023, there was another attempted credit card application with XXXX XXXX XXXX was able to immediately deny the application and removed their credit reporting due to identity theft because of ( a ) their regulatory compliant FCRA Red Flag programs knew to deny the application, and ( b ) the mobile application was coming from XXXX XXXX, IL. 
4. Citi has a duty per FCRA 623 ( a ) ( 2 ) to remove incorrect credit reporting information when the information is the result of identity theft. They failed.

5. Citi has a duty per FCRA 1681s to conduct a reasonable investigation into a credit reporting agency dispute. They failed, and then lied by claiming their investigative conclusion was based on information they did not yet have ( mailing address ; see # 2 ).

6. Citi has a duty per FCRA 623 ( a ) ( 6 ) ( B ) to remove reporting conducted through identity theft when a victim provides an identity theft report. I completed all necessary information and even put a credit security freeze with all three of the credit reporting agencies because someone has my information.

7. Citi has a duty per the FCRA Amendment Red Flags Rule to have an effective program to identify, detect, and appropriately respond to identity theft attempts. Citi did deny the credit card application, of which I was grateful, but refuses to acknowledge the fraud or appropriately respond with an inquiry removal. These failed Red Flag program practices can lead to systemic non-compliance and Citi 's ability to prevent fraudulent activity in the future. 
8. Citi failed to respond to my UDAAP claim. Citi denied discrimination in their response, but I did not claim discrimination. UDAAP is a much more comprehensive set of practices resulting in harm and Citi 's refusal to conduct a reasonable investigation, acknowledge identity theft used my personal information, and perform their regulatory duty to remove the fraudulent inquiry on my credit is causing me harm. 

Citi needs to act responsibly and compliantly by removing the inquiry on my credit report. I will continue disputing with the CFPB and the FTC until this is resolved.

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