Consumer complaint received 2025-05-06 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 filing this complaint because Citibank is furnishing materially inaccurate and misleading information to the credit reporting agencies in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). Their prior response ignored my legal concerns and focused only on the debt itself, not the unlawful and deceptive credit reporting practices at issue. 

This Macys account was charged off in XX/XX/XXXX. However, Citibank has been re-reporting the charge-off status every month from XXXX through XXXX, even though the account is closed and shows a {$0.00} balance. This creates a false impression of ongoing delinquency, which is factually inaccurate, materially misleading, and legally prohibited.

Violations of Federal Law : FCRA 607 ( b ) Prohibits the reporting of any information that is incomplete or inaccurate. Repeated charge-off reporting is incomplete and misleading.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not report information they know ( or have reasonable cause to believe ) is inaccurate.

FCRA 623 ( b ) ( 1 ) Once a consumer disputes information, furnishers must conduct a reasonable investigation and correct or delete the data if found inaccurate or unverifiable.

FCRA 623 ( b ) ( 1 ) ( E ) If information is found to be inaccurate, incomplete, or unverifiable, the furnisher must modify, delete, or permanently block the reporting of that information.

FCRA 611 ( a ) ( 5 ) ( A ) Consumer reporting agencies must delete any item of information found to be inaccurate, incomplete, or unverifiable during reinvestigation.

Unlawful Re-Aging & Metro 2 Violations : Metro 2 guidelines the industry standard for credit reporting dictate that a charge-off is a one-time event. This also causes artificial suppression of my credit score and misleads future lenders.

Demand for Permanent Deletion : Because Citibank failed to conduct a reasonable investigation and continues to furnish data that is both false and harmful, I am demanding the permanent deletion of this account under the authority of FCRA 623 ( b ) ( 1 ) ( E ) and 611 ( a ) ( 5 ) ( A ). These laws require deletion when data is found to be unverifiable, inaccurate, or misleading all of which apply here.

Notice of Intent to Pursue Legal Action : If the inaccurate reporting is not removed immediately, I will pursue legal action under FCRA 616 and 617 for willful and/or negligent noncompliance, which entitles me to statutory damages, actual damages, and attorneys fees. I also intend to file complaints with the FTC and my State Attorney Generals Office if necessary.

I am attaching proof that Citibank has re-reported the charge-off status for over five years following the initial charge-off, violating both federal law and Metro 2 standards. I request the CFPB require Citibank to delete this account from my credit reports.

Notice of Intent to Sue : If this issue is not resolved through the CFPBs intervention and the account is not deleted, I will pursue legal action under FCRA 616 and 617 for : Willful noncompliance ( {$1000.00} per violation plus punitive damages ) Negligent noncompliance ( actual damages, costs, attorneys fees ) I am attaching documentation showing the repeated charge-off notations each month from XXXX and I request that this be reviewed for regulatory enforcement and deletion.

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