Consumer complaint received 2025-05-05 00:00:00
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.
State: MD

Complaint narrative:
b"All credit companies have violated the law on multiple occasions regarding the below information provided. Citibank, N.A. and Capital One continue to refuse to obey their legal obligations under the listed statutes below. My right to privacy of financial/non public information to be withheld from my credit report does not require an investigation into any of the reporting credit companies. My invoking of privacy rights and the fair credit reporting act are not bearing on whether the credit companies agree with my opting out, right to privacy, or my disputes. I have provided the laws all each company on my credit report and all credit bureaus are obligated to adhere to and yet they continue to blatantly disregard the law. They have continued to inadequately investigate my disputes which provided evidence of violations of the law. They are all being reported to the Federal Trade Commission as well. Read further for the exact violations all companies have committed. No investigation is necessary for all credit companies I've notified to remove/stop reporting all financial information from my credit report as explained below as the only information allowed on a credit report is criminal history, which I have none. Invoking my right to privacy and my rights under the Fair Credit Reporting Act are sufficient enough to have the information removed that I have requested. The credit companies continue to report information that is erroneous and that I have also invoked my right to privacy and provided written opt-out of reporting. They all continue to break the law blatantly. XXXX XXXX has never provided written consent to any agency to disclose any record(s) that are contained in a system of records by any means of communication to any person or to another agency. By continuing to disclose the financial information of XXXX XXXX to third-party agencies, all reporting agencies and credit companies are in clear violation of the Privacy Act of 1974 (5 U.S. Code 552a(b)(1). Pursuant to the Fair Credit Reporting Act (15 U.S. Code Section 1681)  Congressional findings and statement of purpose; a) Accuracy and fairness of credit reporting (4) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. b) Reasonable Procedures - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner, which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code  1681a - Definitions; rules of construction - The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. - The term consumer means an individual. - The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living - (2) Exclusions (A)(i) report containing information solely as to transactions or experiences between the consumer and the person making the report. **Reporting transaction history is illegal Per U.S. Code 15 Section 1681a (2)** 15 U.S. Code  1681b - Permissible purposes of consumer reports - Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other - (2) In accordance with the written instructions of the consumer to whom it relates. - P.L 90-321 (82 Stat. 146) Law that states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency (Or a State or local government official authorized by the head of such an agency) No written consent has been provided by the Principal, XXXX XXXX, or their Assignee, RE 300 882 555 US Trust (XXXX XXXX XXXX XXXX), to add anything to XXXX XXXX consumer report. All past, present, and future transactions being reported violate the Fair Credit Reporting Act. 15 U.S. Code  1681c - Requirements relating to information contained in consumer reports - Except as authorized under subsection (b), no consumer reporting agency may make any consumer report containing any of the following items of information: (5) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. No adverse item besides the conviction of crimes should be on XXXX XXXX report. Any item that is a derogatory mark is not allowed into consumer reports as this is a violation of Federal Law. All companies have been instructed to remove all derogatory marks from XXXX XXXX credit report along with all transaction history (payment history, credit limit, account balances, etc.) within five business days of receipt of this notice. 15 U.S. Code  1681n - Civil liability for willful noncompliance - (a)In general - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of - (A)any actual damages sustained by the consumer as a result of the failure or damages of not less than XXXX and not more than XXXX; or - (B)in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or XXXX, whichever is greater. Multiple complaints expressing violations of the Privacy Act of 1974 have already been submitted to the credit bureaus and credit card companies reporting financial information for XXXX XXXX accounts. A fee schedule has also been provided to the credit companies reporting financial information/transactions to credit bureaus in regards to XXXX XXXX  account by XXXX XXXX Assignee, RE 300 555 US Trust, as the blatant disregard to continue violating Federal Laws and allow credit lending agencies and credit bureaus to illegally report XXXX XXXX financial information has caused injuries to the heir beneficiary to the Principals estate held in RE 300 882 555 US Trust. XXXX XXXX also disputes all account balances and derogatory marks reported on their credit report from XXXX XXXX XXXX XXXX XXXX XXXX CBNA (2 accounts), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX(2 accounts). As the above laws state, XXXX XXXX has the right to privacy and has already expressed the right to keep their financial information private and not reported to nonaffiliated third parties. However, the account balances and derogatory marks have been inaccurately reported and need to be removed from XXXX XXXX report.  The below request was sent to Citibank, N.A. Citi Brands Credit Bureau Disputes department in XXXX XXXXXXXX XXXX  by the Principal and the Principal's Assignor and they have refused to honor my opt-out notices pursuant to 12 CFR 1016.7, the Privacy Act of 1974, and 5 U.S. Code Section 552a.  My invoking of my privacy rights and rights under the laws listed does not require any investigation on Citibank, N.A.'s part but requires immediate cease of disclosure of all nonpublic personal information to nonaffiliated third parties as soon as reasonably practicable as instructed under 12 CFR 1016.7 Section A(2)(iii)(g).  \n\nPrincipal, XXXX XXXX, hereby opts out of all disclosures of nonpublic personal information to nonaffiliated third parties as authorized under 12 CFR 1016.7 section A (1) (ii).  Nonpublic personal information includes all credit transactions (payments/payment history, credit balances, credit limits, charge-offs, etc.).  This information is to no longer be disclosed to any nonaffiliated third party or you will be in violation of Federal Laws. \n\n Under 12 CFR 1016.7 section A (2) (iii) (g)  You must comply with the consumers opt-out direction as soon as reasonably practicable after you receive it.  You are to stop disclosing all nonpublic personal information, as stated above, within XXXX XXXX days of receipt of this notice.  \n\nUnder 12 CFR 1016.7 section A (2) (iii) (h)  Consumers have the continuing right to opt-out.  Consumers may exercise the right to opt-out at any time, which is what I am exercising now.  \n\nUnder 12 CFR 1016.7 section A (2) (iii) (i) (1)  A consumers direction to opt-out under this section is effective until the consumer revokes it in writing, or if the consumer agrees, electronically.  \n\nUnder 12 CFR 1016.7 section A (2) (iii) (A)- Unreasonable opt-out means.  You do not provide a reasonable means of opting out if:  The only means of opting out is for the consumer to write his or her own letter to exercise that opt-opt right; or (B)- The only means for opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with subsequent notices.  \nI have only been provided with the unreasonable opt-out means via writing.  \n\nAlso, Pursuant to the Privacy Act of 1974 (5 U.S. Code Section 552a  Important Definitions:\n(4): The term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name or the identifying number, symbol, or other identifying particular assigned to the individual, such as finger or voice print or photograph; \nThis includes consumer reports. \n\n5 U.S. Code Section 552a(b)(1) - No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be \n\n(12) to a consumer reporting agency in accordance with section 3711(e) of title 31.\n-  Section 3711(e) of title 31 States\n (1) When trying to collect a claim of the Government under a law except\nthe Internal Revenue Code of 1986 (26 U.S.C. 1 et seq.), the head of an\nexecutive, judicial, or legislative agency shall disclose to a consumer\nreporting agency information from a system of records that a person is\nresponsible for a claim if\n (E) the head of the agency has established procedures to (iii) get\nsatisfactory assurances from each consumer reporting agency that the\nagency is complying with all laws of the United States related to providing\nconsumer credit information\n\XXXX XXXX has never provided written consent to any agency to disclose any record(s) that are contained in a system of records by any means of communication to any person or to another agency.  By continuing to disclose the financial information of XXXX  XXXX  to third-party agencies, you are in clear violation of the Privacy Act of 1974 (5 U.S. Code 552a(b)(1).  \n\nThe attached file was sent to CITI and XXXX XXXX"

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