Consumer complaint received 2018-11-07
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I previously submitted a complaint to CFPB ( complaint no. XXXX ) wherein It was explained XXXX XXXX  was reporting inconsistencies to my XXXX, XXXX XXXX and XXXX reports. The inconsistent information was specified in the complaint however XXXX replied the account was being reported accurately and information was provided that had nothing to do with the inconsistencies at hand. This very complaint has also been reported to the credit agencies several times and XXXX XXXX has replied, the information is being reported accurately. 

I had an opportunity to speak with XXXX XXXX - XXXX XXXX President Office on XX/XX/XXXX at which time Ms. XXXX explained to me that when the complaints are received the information in essence is not looked at in detail. After an in-depth conversation with Ms. XXXX, she requested that I provide her with copies from the three credit bureaus. Upon receipt of current credit reports from the credit agencies I submitted the reports as it pertains to XXXX XXXX to Ms. XXXX electronically on XX/XX/XXXX outlining the inconsistencies as I did in the former complaint made to the CFPB ( XXXX ). 

On XX/XX/XXXX I received an email from Ms. XXXX indicating that she had information back from their Consumer Credit Service Department and that she would be giving me a call the same day. Later that day I received a call from Ms. XXXX indicating, they have reviewed the credit reports against the information that they have. Ms. XXXX advised that they don't know what happened and couldn't explain why my credit reports were different than the information XXXX XXXX had. She went on to advise that they would be updating my credit files so that their tradeline is removed from my credit files XX/XX/XXXX ( due to the inconsistencies XXXX showed the account to be deleted XX/XX/XXXX, XXXX XXXX shows the account to be deleted XXXX XXXX and XXXX  XX/XX/XXXX XXXX. Because of the changes XXXX XXXX now made, which should have been corrected in XXXX when I first disputed the accounts with the credit agencies, the account is now showing as a new derogatory account and my credit score has decreased over 30 points on each credit report because of XXXX now realizing their error after I have produced physical copies of my credit reports. No consumer should have to do this if companies would simply take the time to review the information. 

I have worked hard to get my credit reports back in good standing and increase my credit score. When it a dispute is made, it is the companies responsibility to do a through investigation and XXXX XXXX did not do that until I provided credit reports of which I should not have had to do since the information is " reported '' by XXXX XXXX. 

XXXX XXXX provided false information in reply to my prior complaints because of their lack to do a thorough investigation. 


My credit reports should not reflect a new derogatory account because of their lack and I am requesting that XXXX XXXX   removes their tradelines from all of my credit reports prior to XX/XX/XXXX. 

During my conversation with Ms. XXXX I requested that they put their response in writing indicating that they made a mistake and confirming our conversation that their tradeline would be removed from my credit files XX/XX/XXXX. Ms. XXXX advised that she would follow up with their consumer department to see if they could do that. My question to Ms. XXXX, what do you mean, you work for the presidents office On XX/XX/XXXX I also followed up in writing via email indicating that since XXXX XXXX has now realized they made an error, notified her that my credit score decreased because of their recent changes and to follow up on the requested letter, I have yet to hear back from Ms. XXXX. 

Bottom line is XXXX XXXX provided inaccurate responses to my my prior disputes about the inaccuracies and as a result they now have updated my credit files which have significantly been impacted because of their recent updates in an effort to correct their mistakes that should have been properly investigated when the prior complaints were received. This certainly is not Fair Credit Reporting.

I was informed that the conversation with Ms. XXXX was recording and I am questing that the CFPB request a copy of the recording.

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