Consumer complaint received 2022-05-25
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company closed my complaint without being able to view the documents I had attached to it. This item on my credit report is a direct violation of my right to privacy according to the FCRA. The following are the documents that were in my complaint the first time I submitted it XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your company provide me with competent evidence that I have any legal obligation to pay you since this debt was cancelled.I will need this documentary evidence to insure that your company isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation by making any false claims of securities, causing a tax liability. 

In accordance with 12 U.S.Code 1831n ( 2 ) ( A ) the XXXX XXXX XXXX XXXX XXXX XXXX would be needed as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. 

As for cancelled debts, I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. I did not receive one. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was made aware of a 1099-C associated with this account. 

Also note that if your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. 

At this time, I will also inform you that if your company have reported any false and misleading information to any of the 3 major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws.If your company can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will not hesitate in bringing legal action against your company. 
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 


XXXX XXXX XX/XX/2022 } XXXX XXXX } XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX } XXXX XXXX XXXX XXXX XXXX MD XXXX } XXXX OH, XXXX CEASE AND DESIST NOTICE ATTN : XXXX XXXX, XXXX Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail. 

Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Cease all collection activity Return requested documents so I can properly assess the validity of any debt Cease and rescind use of my intellectual property, my signature. 

1.Name and address of the original creditor who created the debt.

2.Name on file of alleged debtor. 

3.Alleged account # 4.Address on file for alleged debtor. 

5.Amount of alleged debt.

6.Date this alleged debt became payable.

7.Date of original charge or delinquency. 

8.Was this debt assigned to a debt collector or purchased?

9.Amount paid if debt was purchased.

10.Commission for debt if collection efforts are successful.

11.Documentary evidence that this agency is in fact the holder in due course.

12.Certified copy of the original negative information notice required by FCRA section 623 ( 7 ) ( A ). 


Please provide the name and address of the bonding agent for XXXX XXXX XXXX XXXX  in case legal action becomes necessary : Authorized Signature of Creditor : Date : You must return this completed form along with copies of ALL requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within thirty days from the date of your receipt of this letter. Please be aware I understand falsifying and concealing documentary evidence of statements of entries is punishable under Title 18 U.S.Code 1001 for up to five years of imprisonment. 

Without the information which is required by law for your offices to have on file there is no valid way that your office can validate any alleged debt. 

Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 

To acquiesce or failure to comply with the requirements of this notice would be admittance to stating there is no proof of claim for this alleged debt, you agreed to discharge the matter accordingly not sell or assign this matter to another agency, as well as remove the false allegation off of all of my consumer reports and will compensate me accordingly in the amount of the presented invoice in good faith and ordinary care for the financial damage caused by the reporting false false allegation. 

Your prompt attention and response is both requested and required. 


XXXX XXXX

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