Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Name : XXXX XXXX Phone : XXXX Email : XXXX Company : CBNA ( Citibank , N.A . ) Account Number ( partial ) : XXXX I am filing this complaint regarding the above-referenced account that is being reported on my XXXX XXXX XXXX XXXX credit reports. 
This account is currently marked as Paid, closed with a status updated in XXXX XXXX The balance is {$0.00}, and it is fully satisfied. However, the account continues to report derogatory and delinquent payment history, which is both misleading and inaccurate given that the account has been paid in full and closed as agreed. 
The late payments occurred during a period when my wife was seriously ill, which placed significant hardship on my family. Despite that hardship, I fulfilled my obligations and fully satisfied the account. Continuing to report derogatory marks after the account has been settled misrepresents my current creditworthiness and is punitive rather than factual. 
I believe the ongoing negative impact of this one account, which is closed and no longer active, is disproportionate and unfair given the extraordinary circumstances that led to the delinquency. I respectfully ask for consideration of my situation and request that this account be deleted from my credit report as a gesture of fairness and compassion.

I believe this reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that all information reported to consumer reporting agencies be accurate, complete, and not misleading. Specifically : FCRA 602 ( A ) states that inaccurate credit reporting directly harms consumers ability to obtain credit.

FCRA 607 ( b ) requires furnishers to follow reasonable procedures to assure maximum possible accuracy. 
FCRA 623 ( a ) ( 1 ) ( A ) prohibits the reporting of information known, or reasonably should be known, to be inaccurate.

Additionally, under Floridas Deceptive and Unfair Trade Practices Act ( FDUTPA ), Fla. Stat. 501.201-501.213, businesses are prohibited from engaging in unfair or deceptive practices. Continuing to report derogatory information on a paid and closed account is unjust and misleading to creditors reviewing my report.

I respectfully request that the CFPB investigate this matter and require CBNA and the credit reporting agencies to : Remove the derogatory/delinquency notations from this account.

Ensure the account is reported only as Paid, Closed without negative impact. 
Update my credit report to reflect my accurate payment history. 
This inaccurate reporting is damaging my creditworthiness even though I met my obligations and paid the account in full. I ask for immediate correction in compliance with the FCRA and Florida law. 
Thank you for your attention to this matter. 
Sincerely, 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 explanation