Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Home Depot/Citi Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : Unauthorized Credit Inquiry Violation of Permissible Purpose ( 15 U.S.C. 1681b ) Dear Sir/Madam, I am writing to formally dispute an unauthorized credit inquiry made by your organization, which appears on my credit reports. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a company may only access my credit report for specific permissible purposes, none of which apply to the inquiry made by your organization.

The inquiry in question was reported under the name [ The Home Depot or Citi Bank, as applicable ] and is listed on my credit report with a date of [ XX/XX/XXXX ]. I have not authorized this inquiry, nor has there been any permissible purpose for you to access my credit information. As such, this inquiry constitutes a violation of my rights under the FCRA. 

I hereby demand that you immediately : 1. Remove the unauthorized inquiry from all of my credit reports with all consumer reporting agencies where it appears.

2. Provide compensation of {$1000.00} for the violation of my rights under 15 U.S.C. 1681b.

If you agree to these terms, I am willing to sign an agreement where your client does not have to admit to any wrongdoing in this matter, and I will consider the issue resolved.

Please note that if I am forced to litigate this matter, I will be seeking actual damages resulting from the violation, in addition to the {$1000.00} statutory damages. These actual damages may include, but are not limited to : - Attorneys Fees : Legal fees to initiate and pursue the case. Based on current rates, I anticipate costs of at least {$300.00} per hour for my legal counsel, with an estimated 50 hours of work ( totaling {$15000.00} ). 
- Court Costs : Filing fees, document preparation, and other necessary court fees, which can range from {$500.00} to {$1000.00}. 
- Other Legal Expenses : Including but not limited to discovery costs, expert witness fees, and travel expenses, which could add an additional {$2000.00} to {$5000.00}.

Given the potential costs associated with litigation, I strongly urge you to resolve this matter promptly to avoid unnecessary and avoidable expenses for your company. 

Please confirm in writing within 30 days from the receipt of this letter that the inquiry has been removed from my credit report and that the {$1000.00} compensation has been issued. Failure to resolve this matter within the specified time frame will leave me with no choice but to pursue further legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), seeking additional remedies for the violation of my rights. 

This letter is being sent via certified mail and I am also providing a copy to the service of agent for your company. Please ensure this matter is handled promptly and efficiently. 


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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 explanation