Consumer complaint received 2025-10-03 00:00:00
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.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ky XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Inaccurate Information in Credit Report Dear citicards I am writing to formally dispute certain items on my credit report, as provided by your bureau on [ date of report ]. After reviewing my report, I have identified the following negative items that are unverifiable, inaccurate, outdated, or incomplete. As per the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation of these items. 

* * 1. Disputing all negative remarks with all companies. I want all throughly investigated and removed FCRA 623 ( a ) 1 ( A ) UCC 9-611 UCC 9-613 Metro 2 is repeatedly being violated on my credit reports. This is inaccurate info on my report and I want it removed. You can not have a credit limit on a charged off account. Your reported dates is always changing. Please remove and provide original purchase agreement. If any interest or fees have accrued or been added on TRA the balance, please send proof that such fees are lawful are son agreed upon in the original purchase agreement. Proof that you are legally allowed to collect on alleged debts in the state of YOUR STATE, including your Third-Part DebtCollection Bond XXXX Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your Firm maintains. FTC XXXX XXXX XXXX XXXX XXXX makes clear that it " debt parking '' without proper notices is a violation of consumers * * Legal Violations : * * This account violates several provisions under the Fair Credit Reporting Act ( FCRA ) : - * * Section 609 ( 15 U.S.C. 1681g ) : * * Request for information identifying the source of the information, which the creditor has failed to provide.

- * * Section 611 ( 15 U.S.C. 1681i ) : * * The right to dispute information reported and have it investigated ; if found inaccurate, it must be removed.

- * * Section 605 ( 15 U.S.C. 1681c ) : * * Any account that is more than seven years old can not appear on my credit report.

Given the discrepancies identified, this information is classified as unverifiable and must, therefore, be deleted. I also remind you of your obligation under the FCRA to ensure that reported information is both accurate and complete. The presence of inaccurate and outdated information on my credit report may negatively affect my credit score and overall financial standing. 

As I have clearly outlined the inaccuracies as outlined above, I demand the permanent deletion of this item from my credit report, ensuring full compliance with the FCRA and the relevant stipulations contained within this letter. 

Please provide me with written confirmation of your investigation results and any actions taken regarding my dispute. I expect this matter will be resolved within the timeframe stipulated by the FCRA, which requires you to complete your investigation within 30 days. 

Thank you for your prompt attention to this serious matter. 

Sincerely, 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