Consumer complaint received 2026-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing this complaint against Citibank XXXX XXXX . regarding Account No. XXXX XXXX XXXX XXXX XXXX because the company continues to report inaccurate, incomplete, misleading, and unverified information on my consumer credit reports despite receiving my dispute and request for a reasonable investigation. After carefully reviewing my credit reports, I discovered numerous discrepancies associated with this account. The account is being reported as a charge-off, while simultaneously reflecting a {$0.00} balance and {$0.00} past due, creating conflicting and misleading information about the true status of the account. In addition, the reported payment history, delinquency history, account status, dates of activity, and other material information appear inconsistent and have not been properly substantiated. I submitted a detailed written dispute directly to Citibank requesting that they conduct the reasonable investigation required under the Fair Credit Reporting Act ( FCRA ). Rather than simply relying on information contained in their internal database, I requested that Citibank review the original source documents and provide competent documentary evidence supporting every material aspect of the account. Specifically, I requested documentation including, but not limited to : The original signed application or legally enforceable agreement bearing my signature. Complete account statements from account opening through the present. Complete payment history. The Date Opened. The Date of First Delinquency. The Date of Last Payment. The Date of Last Activity. The Date Charged-Off. Complete balance history showing all payments, credits, fees, interest, and adjustments. Documentation supporting each reported late payment. Documentation supporting the reported charge-off. Documentation demonstrating compliance with XXXX XXXX reporting standards. Documentation establishing Citibank XXXX authority to continue furnishing this account. The specific method used to verify the disputed information. The identity of the individual who conducted the investigation. To date, Citibank has continued furnishing this account without providing the competent documentary evidence necessary to verify the disputed information. Simply confirming information contained within an internal database does not constitute the reasonable investigation required by the Fair Credit Reporting Act when a consumer specifically disputes the accuracy and completeness of the reporting. As a furnisher of information, Citibank has an independent obligation to ensure that all information reported to consumer reporting agencies is complete and accurate. If the information can not be fully verified through competent documentary evidence, it should not continue to be reported. The continued reporting of disputed information that remains inaccurate, incomplete, misleading, or unverifiable has negatively affected the accuracy and integrity of my consumer credit reports and has caused unnecessary harm to my credit profile. I believe Citibank has failed to fulfill its obligations to conduct a reasonable investigation and to ensure maximum possible accuracy before continuing to furnish this account to the consumer reporting agencies. Because the disputed information has not been properly substantiated despite my requests, I am requesting the CFPB XXXX assistance in ensuring that Citibank complies with its legal obligations and corrects or removes any information that can not be fully verified.

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