Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
b'XXXX XXXX XXXX\n\nXXXX XXXX\nXXXX XXXX XXXX XXXX\nXXXX  XXXX XXXX XXXXXXXXXXXXXXXX\n+XXXX XXXX XXXX\n\nCitibank Executive Response Unit\nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX\n\nSubject: Final Notice of Dispute, Demand for $25,000 Settlement, and Documented CFPB and FTC Complaints\nTo Whom It May Concern:\n\nI am submitting this formal and final notice regarding the fraudulent tradeline appearing under the account number XXXX XXXX XXXX XXXX, which was never opened or authorized by me. I have filed multiple formal disputes, including the following CFPB complaints:\n\n XXXX XXXX XXXX  Complaint XXXX\n XXXX XXXX XXXX   Complaint XXXXXXXXn XXXX XXXX XXXX  Complaint XXXX\n\nEach complaint contains certified mail delivery receipts, voicemails, emails, and documentation of Citibanks failure to respond adequately in writing, as required by the Fair Credit Reporting Act (FCRA) and other federal consumer protection statutes.\n\nDespite extensive written communications, Citibank has continued to:\n Fail to provide written verification of the debt.\n Ignore multiple dispute notices and follow-up letters.\n Fail to remove the disputed tradeline promptly.\n Leave voicemails without providing the required written follow-up.\n Delay responses while still reporting derogatory account details to credit bureaus.\n\nTwo separate voicemails from Citibanks Executive Response Unit were left on:\n XXXX XXXX XXXX XXXX XXXX\n XXXX XXXX XXXX XXXX XXXX\n\nThese calls were followed by only a vague email lacking any formal acknowledgment, documentation, or resolution.\n\nFurthermore, I attempted to file a complaint with the Federal Trade Commission (FTC), but their online submission system was unavailable due to the U.S. government shutdown. This documentation was also attached to my CFPB complaint as evidence of good faith effort.\n\nAs of XXXX XXXX XXXX the disputed Citibank account has been removed from all three major credit bureaus: XXXX, XXXX, and XXXX. However, I have suffered extensive reputational harm, wasted time, and severe emotional distress throughout this ordeal.\n\nGiven Citibanks pattern of neglect, lack of written responses, and failure to conduct a reasonable investigation under 15 U.S.C.  1681i and  1681s-2, I am demanding a settlement in the amount of $25,000 to resolve this matter amicably. This demand is based on:\n\n Emotional and reputational harm\n Time lost to prepare, mail, and escalate formal disputes\n Denial of credit opportunities due to false information\n Evidence of willful noncompliance and failure to investigate\n\nPlease consider this letter your final opportunity to resolve this matter prior to legal escalation.\n\nA copy of this letter is being submitted to the CFPB and retained for future legal action if necessary.\n\nSincerely,\n\n\nXXXX 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