Consumer complaint received 2024-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (TX)

To Whom It XXXX Concern, I am filing a formal complaint regarding the inaccurate reporting of an account on my credit report, which I am requesting be removed entirely. The account in question is a XXXX  account, where I was listed as an authorized user. Below are the account details : Account Name : XXXX  Account Number : [ If available, you can include the last XXXX digits of the account number here ] Reported Balance : {$5200.00} Last Reported Date : XX/XX/XXXX Credit Limit : {$2100.00} Opened : XX/XX/XXXX Account Closed : XX/XX/XXXX The issue at hand is that this account was reported as closed with a balance of {$5200.00} on XX/XX/XXXX, despite my role as an authorized user and not the primary account holder. Furthermore, the dispute resolved status showing " subscriber disagrees '' is entirely inaccurate. As an authorized user, I do not hold responsibility for the balance, and the statement is misleading. 

I request the immediate removal of this account from my credit report. The account has been inaccurately reported, and its inclusion is harmful to my XXXX XXXX and financial well-being. 

Legal Basis for Request : Under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( a ), furnishers of credit information are required to provide accurate and complete information to credit reporting agencies. The current reporting of this account violates the FCRA in the following ways : Inaccurate Reporting : The account was reported as a closed account with an outstanding balance. As an authorized user, I have no legal responsibility for the balance, and this should be reflected in the reporting. 

Dispute Status : The " subscriber disagrees '' status is inaccurate and misleading. This indicates a dispute that I did not initiate or resolve, which is a violation of the FCRA 's requirement for accurate information. 

Failure to Correct Information : The FCRA mandates that credit reporting agencies and furnishers correct any inaccuracies in a timely manner. The failure to accurately report the account as authorized user status rather than primary account holder is a violation of this obligation. 

Due to these violations, I am requesting that this entire account be removed from my credit report. The incorrect reporting of this account has caused significant harm to my credit and financial standing. 

Potential Legal Action : Should this matter not be resolved in a timely manner, I will consider pursuing legal action for damages under the Fair Credit Reporting Act ( FCRA ), as I have suffered harm due to inaccurate reporting. Under the FCRA, I am entitled to seek compensatory damages, including actual damages, statutory damages, and punitive damages for the failure to accurately report my credit information. 

I will also explore the option of engaging an attorney who specializes in consumer protection law and credit reporting disputes. A law firm such as XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which specializes in credit report disputes, FCRA violations, and consumer protection, can assist with this matter and pursue appropriate legal remedies if necessary.