Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnCITIBANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nSubject: Second Demand for Validation and Immediate Deletion of XXXX XXXX Acct # ending XXXX XXXX XXXX #XXXX XXXX XXXX XXXX\n\nTo Whom It May Concern,\n\nThis is my SECOND FORMAL DEMAND pursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681s-2(b), and the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692g, regarding the alleged XXXX XXXX XXXX XXXX revolving credit card account (#XXXXXXXX, partial as XXXX; opened XXXX XXXX, charged off ~XXXX, settled XXXX XXXX listed as a charge-off on my XXXX XXXX XXXX credit reports. Your responses dated XXXX XXXX XXXX, and XXXX XXXX XXXX, to my initial validation request of XXXX XXXX XXXX (sent via certified mail, receipt #XXXX XXXX XXXX XXXX XXXX XXXX), were inadequate and failed to provide the requested verifiable documentation.\nConcurrently with this letter, I am filing complaints with the Consumer Financial Protection Bureau (CFPB) regarding your failure to properly investigate and validate this account, as evidenced by the incomplete responses. \n\nI DEMAND IMMEDIATE VALIDATION with all required proofs or the account's IMMEDIATE DELETION from all credit reporting agencies, including XXXX XXXX XXXX XXXX. Continued noncompliance will lead to further escalation, including complaints to the Federal Trade Commission (FTC), the New Jersey Division of Consumer Affairs, and legal action for FCRA and FDCPA violations under 15 U.S.C.  1681n, 1681o, and 1692k, seeking statutory, actual, and punitive damages.\n\nDetails of the Dispute:\n\tInadequate Responses: The XXXX XXXX and XXXX XXXX XXXX, letters did not include: (1) a complete account history with all charges, payments, fees, interest, delinquencies, and settlement details; (2) copies of all account statements and billing records; (3) a signed contract or agreement bearing my signature; (4) documentation of any assignments, transfers, or sales; (5) proof of your authority to report or collect; or (6) the name and address of your bonding agent. This violates your duties as a furnisher under FCRA  1681s-2(b) and FDCPA  1692g(b).\n\tOngoing Reporting Issues: The account remains reported as a charge-off despite settlement, and may contain inaccuracies tied to broader file errors (e.g., incorrect DOB or addresses).\n\tHarm Caused: This unverifiable item's presence has lowered my credit scores (e.g., 509 on Experian), potentially denying me credit, housing, or employment opportunities, and caused significant distress and time expenditure.\n\nDemands:\n1.\tImmediate validation by providing ALL items requested in my XXXX XXXX XXXX, letter, including the completed validation form.\n2.\tIf unable to validate, immediately instruct XXXX XXXX XXXX XXXX to delete the account from my reports due to unverifiability.\n3.\tWritten confirmation of your actions, including copies of deletion instructions to the CRAs, sent to my address above.\n4.\tCompliance within XXXX  days of receipt, or I will pursue all remedies without further notice.\n\nEnclosed are copies of my driver's license, Social Security card, vehicle registrations (confirming my address and identity), the initial XXXX XXXX XXXX, dispute letter, and your XXXX XXXX and XXXX XXXX XXXX, responses.\n\nGovern yourself accordingly.\n\nSincerely,\n\nBYXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Principal \nWITHOUT RECOURSE\n\n\nEnclosures:\n1.\tDrivers License, Social Security Card, Vehicle Registrations.\n2.\tInitial Dispute Letter (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX).\nCC:\n\tConsumer Financial Protection Bureau, XXXX XXXX XXXX XXXX XXXX, DC XXXX\n\tNew Jersey Office of the Attorney General, Division of Consumer Affairs, XXXX XXXX XXXX XXXX XXXX XXXX\n\tFederal Trade Commission, XXXX XXXX XXXX XXXX XXXX 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