Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NJ)

Fact, affiant is aware and has proof, Exhibit XXXX  that CITI BANK, Synchrony BankXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX knowingly and willfully violated 15 U.S. Code 6821 ( a ) ( XXXX ) by making a false statement that they must report a consumer credit transaction to various consumer reporting agencies and reporting nonpublic information to various consumer reporting agencies that were derived from the consumer credit transactions initiated with CITI BANK, Synchrony BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fact, affiant is aware XXXX and has proof, XXXX XXXX, that CITI BANK, Synchrony Bank/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX knowingly and willfully violated 15 U.S. Code 6821 ( a ) ( 2 ) by stating they can share information regarding my consumer credit transaction to consumer reporting agencies. 

Fact, affiant is aware, and has proof, XXXX XXXX XXXX XXXX that CITI BANK, Synchrony BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX knowingly and willfully violated 15 U.S. Code 6821 ( a ) ( 3 ) by providing information to financial institutions such as XXXX, XXXX and XXXX that contains false, fictitious and fraudulent statements or representations. 

Fact, affiant is aware, and has proofXXXX XXXX XXXX, CITI BANK, Synchrony BankXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX knowingly and willfully violated 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) due to the fact that the affiant was not given the opportunity to direct that my nonpublic personal information not be disclosed to nonaffiliated third parties before the nonpublic personal information was initially disclosed. 


Fact, affiant is aware, and has proof, XXXX XXXX, CITI BANK, Synchrony BankXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX knowingly and willfully violated 15 U.S. Code 6802 ( b ) ( 1 ) ( C ) by not providing me with an explanation of how to exercise my nondisclosure option. 

Fact, affiant is aware, and has proof, XXXX XXXX CITI BANK, Synchrony BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX knowingly and willfully committed a crime by violating 18 U.S. Code 1001 ( a ) ( 2 ) by stating they can share information regarding my consumer credit transaction to consumer reporting agencies. 

Fact, affiant is aware, and has proof, Exhibit G and H, CITI BANK, XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX and willfully committed a crime by violating XXXX XXXX Code XXXX ( a ) ( XXXX ) by providing information to financial institutions such as XXXX, XXXX and XXXX that XXXX false, fictitious and fraudulent statements or representations. 

Fact, affiant is aware that, CITI BANK, XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX has XXXX least XXXX violations of title XXXX XXXX Code XXXX. 

Fact, pursuant to XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) affiant 's additional damages are {$1000.00} USD for each false and misleading statement and {$1000.00} USD per word written in fraudulent/abusive language Fact, affiant is aware that CITI BANK XXXX XXXX Bank/PayPal XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX has XXXX XXXX XXXX statutes under title containing over XXXX fraudulent/abusive LANGUAGE & STATEMENTS XXXX XXXX Code XXXX totaling the damages for all violations at {$120000.00}