Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing as a consumer to demand that you take the necessary steps immediately to comply with federal laws applicable to the handling and reporting of consumer information. More specifically, I am demanding the immediate removal of charged-off items and student loans from my credit report and the cessation of dissemination of my private information to unauthorized parties. 

-Violations of Consumer Privacy Protections under Federal Law Under the Fair Credit Reporting Act 15 U.S.C. 1681, Congress declared that consumer reporting agencies shall exercise their duties with fairness, impartiality, and respect for the consumer 's right to privacy ( 1681 ( a ) ). Therefore, as a consumer, I do have a legally grounded right to see my private information handled accordingly. 

Furthermore, 15 U.S.C. 6801 imposes an affirmative and continuing duty on financial institutions, including furnishers of information, to respect their customer 's privacy and to protect the security and confidentiality of nonpublic personal information. Sharing my nonpublic personal information with consumer reporting agencies without my explicit consent violates this obligation. 

-Lack of Consent for Reporting and Disclosure Under 15 U.S.C . 1681b, a consumer reporting agency may only furnish a consumer report for permissible purposes, and 15 U.S.C. 1681b ( a ) ( 2 ) states this can only occur with the written instructions of the consumer to whom it relates. No such written consent has been given by me to XXXX, XXXX, or any furnisher of information. Furthermore, any prior consent, written, verbal, implied, or otherwise, is hereby revoked. 

Likewise, 15 U.S.C. 6802 ( b ) ( 1 ) ( B ) and 6802 ( c ) prohibit financial institutions from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer has been informed of his or her right to opt out and has been provided with an adequate opportunity to exercise such right. At no time have I been informed of this right by the furnishers of information or the consumer reporting agencies involved. Such failure constitutes a violation of federal privacy regulations. 

Further, under 15 U.S.C. 1681e, a consumer reporting agency must implement reasonable procedures to assure compliance with 1681c and to avoid furnishing consumer reports except for purposes authorized under 1681b. The continued reporting of outdated, adverse information evidences a failure to implement such reasonable procedures.

-Furnishing Inaccurate or Misleading Information Under 15 U.S.C . 1681s-2 ( a ) ( 1 ) ( A ), furnishers shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The ongoing reporting of these charged-off items and stale accounts against me is in violation of the statute mentioned above.

Under 12 C.F.R. 1016.7, consumers have the right to opt out of the sharing of their personal financial information with nonaffiliated third parties. If a late payment involves private financial details shared without proper notice or consent, it may constitute a privacy violation.

-Opt Out from Reporting/Revocation of Consent Under 12 C.F.R. 1016.7, consumers have the right to opt out from the disclosure of their nonpublic personal information at any time. If a late payment involves private financial details shared without proper notice or consent, it may constitute a privacy violation. I hereby formally choose to opt out of all forms of reporting, sharing, or disclosure of private information about me via XXXX or XXXX and all affiliated furnishers of information.

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 non-monetary relief