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: MA

Complaint narrative:
DEAR MACYS/CITIBANK : CFPB ; XXXX  : I am submitting this complaint because Citibank/Macys is reporting an account on my credit report listing me as an Authorized Account user even though I never opened this account, never applied for it, and never consented to being added. 

The account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a reported balance of {$570.00} and a charge-off status is fraudulent, unauthorized, and the result of identity theft. 

I did not apply for this account, did not authorize anyone to add me as an authorized user, and did not make any charges, payments, or activity reflected in the reported history. This includes : Date opened : XX/XX/XXXX I DID NOT open this Date closed : XX/XX/XXXX I DID NOT close this Last payment : XX/XX/XXXX I DID NOT make this Reported charge-off I DID NOT incur these charges This account was placed on my credit report without my authorization and continues to harm my credit, misrepresent my financial history, and expose me to further identity-theft risks. 

I have attempted multiple times to resolve this with Citibank/Macys using the phone number listed on the credit report ( XXXX ). However, the company has failed to conduct a lawful reinvestigation, refuses to provide proof of authorization, and continues to furnish the fraudulent charge-off data. 

I believe Citibank/Macys is in violation of federal identity theft protections, credit reporting requirements, and unfair-practice prohibitions.

1. Fair Credit Reporting Act ( FCRA ) FCRA 602 ( A ) Credit reporting must be accurate and fair.

FCRA 603 ( q ) Identity-theft protections are triggered when an account is opened or used without a consumers authorization.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Citibank must block, delete, and cease reporting any information resulting from identity theft within 4 business days of receiving an identity-theft report.

FCRA 611 ( 15 U.S.C. 1681i ) Requires a lawful, reasonable reinvestigation of disputed information.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not report inaccurate or unauthorized information.

FCRA 623 ( a ) ( 3 ) Furnishers must correct or delete incorrect data.

FCRA 615 Prohibits using adverse information ( including charge-offs ) that results from identity theft.

2. Fair and Accurate Credit Transactions Act ( FACTA ) FACTA 111 Identity-theft protections require blocking and removal of fraudulent accounts.

FACTA 112 ( Red Flags Rule ) Citibank must detect and prevent unauthorized account additions and identity-theft activity.

Failure to properly authenticate who added me as an authorized user violates these Red Flag requirements.

3. Consumer Financial Protection Act ( CFPA ) Under 12 U.S.C. 5531 & 5536, Citibank has engaged in : Unfair practices reporting a fraudulent charge-off Deceptive practices claiming authorization that never existed Abusive practices failing to provide proof of consent and refusing proper dispute handling

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