Consumer complaint received 2022-03-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
citibank has been reporting to my consumer report without disclosing to me that I have option to opt out of. I currently requested for them cease and desist. I told the company not to contact me on all mediums. In addition, I have been requesting citibank to remove these accounts from my consumer report, their response to me is '' by law they have to report it. '' I am requesting for citibank to show me LAW where they HAVE to report. According to 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) ( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
citibank was suppose to disclose this information with me giving me the opportunity as a private Consumer to publicize my information to a non-affiliated third party like the CONSUMER REPORTING AGENCY ( XXXX, XXXX, and XXXX ) I was never disclosed this information. 
According to ( A ) I was never given anything in writing or electronic about the disclosure. 
According to ( B ) I was not given an opportunity to decided whether I wanted these accounts to be publicized to a third party like the Consumer reporting agencies. 
According ( C ) I was never informed by citibank that I had the opportunity to exercise my CONSUMER RIGHTS to opt out. 
I am demanding that you remove these accounts immediately from my Consumer report, I also have a right to privacy. I will exercise my rights if this is not removed from my reports. 
I addition, according to 15 USC 1681a. ( 2 ) ( b ) ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; During this transaction my social security Card and ID was requested for this extension of a credit transaction. There was an approval given with no discrepancies of using these cards also know as a " CREDIT CARD '' as pursuant to 15 USC 1602. ( L ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
My social was used for an approval so I have every right to exclude this from my report. 
Clearly you are in violation according to the Federal Consumer Laws that protects me. you need to remove immediately. If this is not taken into consideration, then this will be an act of willfully not complying to the laws written by CONGRESS. THERE IS NOTHING TO INVESTIGATE BECAUSE YOU GUYS USE THAT STALL TACTIC ALL THE TIME, THAT I AM FULLY AWARE OF. 
REMEMBER THAT CREDIT INFORMATION WITH MY ACCOUNT NUMBER, ADDRESS AND ALL DETAILS ARE NOT PUBLIC

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