Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

I am writing to you for the final time regarding inaccuracies in my credit report that I previously disputed on XX/XX/2024. Despite my efforts to have these errors corrected through formal disputes and direct communications, XXXX Credit Bureau has failed to adequately address and rectify the inaccuracies that are negatively impacting my credit score and, by extension, my financial wellbeing.The specific items I dispute are as follows : XXXX XXXX XXXX, MACYS/CITIBANK, XXXX XXXX XXXX. These are fraudulent accounts on my credit report due to a data breach through XXXX, XXXX, XXXX and XXXX XXXX. My personal information was sold and bought illegally and it has been found on the dark web. I have attached copies of all previous correspondence related to these disputes, including evidence supporting my claims. Despite providing clear and substantial evidence, the response I received on XX/XX/2024 was unsatisfactory, as the inaccuracies remain on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have my credit report accurately reflect my credit history. The failure of XXXX Credit Bureau to correct reported inaccuracies violates my rights under the FCRA.Therefore, this letter serves as my final notice to XXXX Credit Bureau to rectify the aforementioned errors within 15 days of receipt of this letter. Failure to do so will leave me with no option but to initiate legal proceedings against XXXX Credit Bureau for failing to comply with the FCRA. You have not supplied the demanded proof of the alleged debt. Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. In a reasonable effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, and proof of your authority in this matter. Absent such evidence, you must terminate this account action and correct any erroneous reports of this debt as mine. For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please provide evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( XXXX ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and promptly will work as a waiver to any of your claims in this matter and will entitle me to presume that you placed this on my credit report ( XXXX ) in error and that this matter is permanently closed. Your continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from all sources you have reported it to. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. I am prepared to take this action to protect my legal rights and ensure my credit report accurately reflects my financial history. I hope we can resolve this matter without the need for legal action. I look forward to your prompt response and resolution of this issue.