Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
FORMAL COMPLAINT CREDIT REPORTING INACCURACY Submitted to : CFPB or OCC Complainant : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Citibank , N.A . 
Citi Reference Number : XXXX Account ( s ) Involved : Checking Plus ( Fixed Rate ), Ending in XXXX Related Closed Account : Checking Plus Line of Credit # XXXX XXXX. Complainant Information Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX : XXXX XXXX ) XXXX Email : XXXX 2. Financial Institution Information Institution : Citibank , N.A .

Department Handling Dispute : Executive Response Unit Mailing Address : XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX. Summary of Complaint This complaint concerns Citibanks continued inaccurate reporting of negative credit information for an account for which I was not responsible and had no association with until after it had already been paid in full and closed. 

Citibank has repeatedly refused to correct this error, despite multiple detailed disputes, written explanations, and supporting documentation provided over the last 17 months. 

These inaccuracies have significantly damaged my credit and continue to violate the Fair Credit Reporting Act ( FCRA ) and applicable federal standards for accurate credit reporting. 

4. Detailed Timeline and Facts XX/XX/XXXXXXXX  Checking Plus Line of Credit Account # XXXX ( the account in question ) was paid in full and closed by the original account holder, XXXX XXXX XXXX XXXX. 

XX/XX/XXXXXXXX  I was added to XXXX XXXX accounts only to assist him with financial management due to his declining health. 
I was added after the account had been closed, and I had no prior access or responsibility. 

XX/XX/XXXX Present Despite providing Citibank with : Written statements Timelines Confirmation letters from Citibank branch management Multiple dispute packets A formal dispute letter dated XX/XX/XXXXXXXX  ( attached ) A detailed explanation of the error Citibank continues to report negative payment history from the closed account under my name. 

XX/XX/XXXXXXXX  Citibanks Executive Response Unit issued an update letter stating the account is a joint account and that I am responsible for the reported miss-payments. 


This conclusion does not address or acknowledge the fact that : The late payments occurred before I was added. 

The account was closed four days before I was added.

I had no legal or financial responsibility for the account during the time of the reported delinquencies. 

Ongoing Harm Citibanks refusal to correct this inaccuracy has resulted in : Repeated negative marks on my credit file Significant credit score impact Denial of my legitimate dispute Ongoing emotional and financial stress despite my 33 years of impeccable credit history 5. Laws Potentially Violated Citibanks actions may constitute violations of : FCRA Section 623 ( a ) ( 1 ) ( A ) : Prohibition against furnishing information known to be inaccurate FCRA Section 623 ( b ) : Failure to conduct a reasonable investigation FCRA Section 607 ( b ) : Requirement for maximum possible accuracy Failure to correct previously disputed, factually inaccurate information 6. Efforts Made to Resolve the Issue I have made multiple attempts directly with Citibank to resolve this, including : Speaking with branch management Faxing and mailing dispute packets Submitting disputes to the credit bureaus Communicating with Citibanks Asset Unit Escalation Team Sending a detailed formal dispute on XX/XX/XXXXXXXX  Citibank continues to refuse correction despite clear factual evidence. 

7. Requested Resolution I am formally requesting that the XXXX require Citibank to : Immediately remove all negative payment history associated with Checking Plus Account # XXXX from my credit report. 

Correct all data furnished to XXXX, XXXX, and XXXX  to reflect that I was not responsible for or associated with the account during the period of late payments. 

Provide written confirmation of all corrections made. 

Review Citibanks internal investigation process given the repeated failure to properly assess my detailed dispute.

8. Attachments Citibank Letter dated XX/XX/XXXX My Dispute Letter dated XX/XX/XXXX Supporting documents verifying account closure date and timeline Any additional correspondence as needed 9. Certification I certify that the information provided in this complaint is true and accurate to the best of my knowledge. 

Signature : XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX 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