Consumer complaint received 2022-10-23
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I mailed a dispute to XXXX on XX/XX/2022 via certified mail tracking number XXXX. XXXX received the item on XX/XX/2022. A copy of the certified mail receipt is attached. 

My dispute was about a Department Stores National Bank ( DSNB ) now XXXX/Citibank NA reporting an account where DSNB/XXXX/Citibank NA tried to sue me in court over the account however, the case was voluntarily dismissed by DSNB/XXXX/Citibank NA. I have provided XXXX with a copy of the lawsuit complaint and a copy of the dismissal ( the case was dismissed by DSNB/XXXXXXXXCitibank NA 's attorney which I will attach a copy of the complaint and dismissal to this complaint. 

On XX/XX/2022, I received a letter from XXXX dated XX/XX/2022 written in XXXX  ( I don't speak XXXX and my language is English ) informing me of the results of the dispute investigation and from what I can make out and translate it seems as if XXXX  is claiming that the information has been verified as accurate therefore XXXX will not delete the account from my credit report. 

All future communications should be in English only. 

The account reflected on my credit report also fails to state, lack, or is missing the statement or notation that the information is disputed by the consumer which may be a violation of the FCRA. 

I don't believe that XXXX is properly investigating my dispute and is just allowing the creditor to claim that the information is verified as correct and leaving the account on my credit report. How can an investigation take only nine days? Additionally, I don't believe that DSNBXXXX/Citibank has no intentions of collecting this alleged debt because any renewing or refiling of any lawsuit against me regarding the same claim and account would be subject to O.C.G.A. 9-2-61 and O.C.G.A. 9-11-41. 

Additionally, discovery request were filed in the lawsuit filed against me that has now been dismissed and DSNB/XXXX/Citibank NA nor their attorney never responded to. Pursuant to Georgia law O.C.G.A 9-11-33 ( a ) ( 2 ), 9-11-34 ( b ) ( 2 ), and 9-11-36 ( a ) ( 2 ), the party upon whom the discovery has been served shall serve a copy of the answers, and objections if any, within thirty ( 30 ) days after the service of the discovery request, except that a defendant may serve answers or objections within 45 days after service of the summons and complaint upon that defendant. The court may allow a shorter or longer time at the courts discretion. The party submitting the interrogatories may move for an order under subsection ( a ) of Code Section 9-11-37 with respect to any objection to or other failure to answer any discovery motion/request. 

In regard to the request for admissions, pursuant to O.C.G.A. 9-11-36 ( a ) ( 2 ) the matter is admitted unless, within 30 days after service of the request or within such shorter or longer time as the court may allow, the party to whom the request is directed serves upon the party requesting the admission a written answer or objection addressed to the matter, signed by the party or by his attorney. Any matter admitted under this Code section is conclusively established unless the court, on motion, permits withdrawal or amendment of the admission O.C.G.A. 9-11-36 ( b ). 

DSNB/XXXX/Citibank NA is refusing to remove this account from my credit report in retaliation of a lawsuit that they filed against me that their attorney dismissed and is only continuing to report this account on my credit report for the purposes of and with the intent to annoy, harass, intimidate, embarrass, and humiliate me and is nothing more than an effort to make it difficult for me to apply for and/or obtain credit and or to have to pay a higher interest rate or receive a lower credit limit if extended a line of credit.

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