Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (TX)

What happened? 

Summary : CBNA has responded to my CFPB complaint that they will investigate my notice of dispute and claim of inaccurate identity theft information within 30 days pursuant to 15 USC 1681s-2 ( a ) ( 8 ) ( E ). It has been over 30 days and I have not received a response as to weather my FTC affidavit and Police Report Affidavit of Identity Theft Signed by a police officer serve as reasonable proof of claim of identity theft under 15 USC 1681s-2 ( a ) ( 8 ) ( E ). This is the 3rd time the company has not responded when required to investigate my dispute claim of identity theft pursuant to 15 USC 1681s-2 ( a ) ( 8 ) ( E ). Please discipline the company appropriately because this inaccurate identity theft item on my credit report is ruining my reputation more and more the longer they take. Timeline : They violated 15 USC 1681s-2 ( a ) ( 8 ) ( E ) of three occasions. First, on XX/XX/XXXX they were required to notify me of the investigation and send the result directly to me within 30 days but still have not responded. Secondly, on XX/XX/XXXX they were required to notify me of the investigation and send the result directly to me within 30 days but still have not responded. Third, in response to my CFPB complaint ( XXXX ) on XX/XX/XXXX, they were required to make an investigation pursuant to 15 USC 1681s-2 ( a ) ( 8 ) ( E ) and send the result directly to me within 30 days but still have not responded.

15 USC 1681s-2 ( a ) ( 8 ) ( E ) : ( E ) Duty of person after receiving notice of dispute After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Timeline : XX/XX/XXXX : A perpetrator of identity theft opens an account with CBNA on the basis of my personal information without my knowledge or consent committing identity theft. 

XXXX XXXX XXXX  : This perpetrator of identity theft makes disputes with CBNA on the basis of my personal information without my knowledge or consent, committing identity theft. 

XX/XX/XXXX : I sent the first dispute notice ( investigation request ) to XXXX with the required proof of claim of identity theft pursuant to 15 USC 1681g ( e ) ( 2 ) ( B ). 

XX/XX/XXXX : First dispute notice sent directly to CBNA requesting to remove the identity theft account, with the required proof of claim of identity theft pursuant to 15 USC 1681g ( e ) ( 2 ) ( B ) and 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ). 

XX/XX/XXXX : CBNA receives first direct dispute notice direct from me w/ signed return receipt. 

XXXX XXXX, XXXX : CBNA fails to carry out reasonable investigation of my direct dispute within 30 days pursuant to 15 USC 1681s-2 ( a ) ( 8 ) ( E ) sending the results directly to me and therefore is required to delete the identity theft account. 

XX/XX/XXXX : CBNA Identity Theft Account was deleted from credit report. 

XX/XX/XXXX : CBNA Identity Theft Account was reinserted because CBNA certified to XXXX ( under a false representation ) that I was not a victim of identity theft even after receiving my proof of claim of identity theft described in 15 USC 1681g ( e ) ( 2 ) ( B ), because they claim that there was a prior dispute filed under my name for the same account not alleging identity theft. ( But this is incorrect because the criminal made the communications with them between XXXX XXXX XXXX XXXX XXXX on the basis of my information by identity theft ). 

XX/XX/XXXX : I sent CBNA a second Direct Dispute-Investigation Request in writing, in which I provided additional evidence, and proof I did not provide any correspondences regarding the account before my first correspondence sent XX/XX/XXXX certified by a police officer and the FTC as required as proof of claim in 15 USC 1681g ( e ) ( 2 ) ( B ). I also sent a Request for production of certain documents as required in 15 USC 1681g ( e ) which they failed to provide any documents. 

XX/XX/XXXX : CBNA fails to carry out reasonable investigation of my direct dispute within 30 days pursuant to 15 USC 1681s-2 ( a ) ( 8 ) ( E ) sending the results directly to me and is required to delete the identity theft account. This is the third time CBNA failed to carry out a reasonable investigation of identity theft within 30 days. 

The identity theft account information is as follows : 1. ) Inaccurate information reporting to XXXX : Account number : XXXX ; Status : Charged Off ; Balance : {$1800.00} ; Date Opened : XX/XX/XXXX ; Social Security Number : XXXX