Consumer complaint received 2017-11-26
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Subject : XXXX Collection, Account number ending in XXXX XXXX I have been attempting to work with Citi XXXX XXXX to have this account reported accurately on my credit report with all three bureaus ( XXXX, XXXX and XXXX ) This was a XXXX XXXX account that was taken over by Citi XXXX XXXX when it went to collections. In XXXX I began the process of repairing my credit and paying accounts that had gone delinquent in XXXX when I graduated from XXXX XXXX XXXX. While in school I had a job and used student loans. After I graduated while I was looking for a job a few of my credit card accounts went delinquent as I was under-employed and looking for a job as a dental hygienist. 

I was able to contact all of my creditors and pay the balances I owed to them, except for XXXX/Citi. When I contacted them I was told the account had gone to collections, had been charged off, and they could not legally sue me or collect on the account. I received a XXXX from Citi for the XXXX XXXX Tax year. It indicated they charged off {$1400.00}. When I filed my tax return I paid tax on this money as income. ( XXXX attached ) This account shows up on my credit report reporting from XXXX, Account number ending in XXXX XXXX, with a balance of {$1900.00} and a past due amount of {$1900.00}. This is contradictory information as to what was reported when the account was charged off. 

On the following days I spoke to the following employees of Citi XXXX to request a letter from them that I could provide to the three credit bureaus so that this account will be reporting correctly on my credit report. 

XXXX XXXX # XXXX XXXX/XXXX/XXXX XXXX XXXX # XXXX XXXX/XXXX/XXXX I was told a letter would be sent to me within 10 days. When the letter arrived it said among other things that they are no longer attempting to collect on this debt. It went on to say the charge off amount would be reported to the IRS ( which it was ) The credit bureaus have told me they will not accept this letter to accurately report this account on my credit report as it does not contain the following information and verbiage : Required information : On Company Letterhead, With accurate account number that corresponds with the account number ( XXXX XXXX ) on my credit report and XXXX I received, Subject : XXXX PL account, Addressed to me. 

Verbiage acceptable to the credit reporting bureaus to accurately report this account on my credit profile : This letter is in response to a request for a credit reporting adjustment. We researched our records and instructed the agencies to make the following changes Account Closed/Account Charged Off/No longer collecting on the account/Zero Balance Due. 

We have submitted the completed Universal Data Form to each of the three major credit bureaus listed below so that they may update their records. Please be aware, however it may take 30 days for the update to reflect on your individual credit report. 

XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account was charged off, I paid the applicable income tax for the charge off, they can no longer legally collect on the account which means I ca n't pay it, I tried to pay it and was told they ca n't legally collect on it. To further add to this insanity, Citi XXXX will not allow me to give the three bureaus permission to speak with them to get accurate reporting and the three bureaus will not allow me to be on a conference call to Citi to get information for accurate reporting. This is a hamster wheel of dysfunction. I have the right as a consumer to have accurate account reporting on my credit profile. I have tried to work with Citi XXXX and while they were very professional and very nice, I have not been able to get from them what it seems I am legally entitled to and this is for them to send me a letter that they will be reporting this account accurately to the three bureaus.

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