Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
I requested validation of the alleged debt pursuant to 15 U.S.C. 1692g ( b ) on XX/XX/year>. 

Specifically, I requested, among other documentation, the original wet-ink signed contract or binding agreement bearing my distinct signature, as evidence of my specific obligation to pay the alleged debt. 

CitiBank XXXX and its affiliates have failed to produce the wet ink signature contract that acknowledges exactly what I agreed to and by what I am signing. They have failed to provide sufficient evidence that a lawful contract exists. 

CitiBank failed to perform proper validation of debt within the XXXX day period prescribed in 15 U.S. Code 1692 ( b ). Because of this, I instructed CitiBank and their affiliates to cease and desist all communication regarding the alleged debt, as of XX/XX/year>. 

Since this cease and desist letter I have received XXXX communications by third party entities and neither of them were to ( XXXX ) to advise that further debt collection efforts are being terminated, ( XXXX ) to give notification of any specific remedies which are ordinarily invoked, or ( XXXX ) to give notification that specific remedy is being invoked. 

CitiBank and its affiliates are not ensuring the accuracy and fairness of its credit reporting and it is not adopting reasonable procedures for meeting the needs of commerce for consumer credit or other information in a manner which is fair and equitable with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 U.S. Code 1681 ( b ) CitiBank communicated with several third party entities after my request for validation of the alleged debt and before the validation of the alleged debt was satisfied. This is a violation of 15 U.S. Code 1692c ( b ) which states that without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector The alleged debt has been in dispute since XX/XX/year>, any communications to any third party regarding this invalidated debt is considered libel and may result in further legal action on my part.

15 U.S. Code 1692g ( b ) states If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

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