Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nTo:\nCitibank Dispute Department\nXXXX XXXX XXXX XXXX XXXX XXXXnSubject: Final Notice of Dispute and Demand for Settlement  FCRA/FCBA Violations\nTo Whom It May Concern,\n\nI am writing to issue a final legal demand regarding the fraudulent Citibank account that continues to appear on my credit report under my name and Social Security Number, despite multiple formal dispute letters and complete lack of authorization from me.\n\nXXXX XXXX XXXX XXXX XXXX XXXX   Citibank acknowledged the account XXXX XXXX XXXX XXXX) but incorrectly stated it involved an authorized user.\n XXXX XXXX XXXX   I formally disputed the account and provided identifying documents and a fraud affidavit.\n XXXX XXXX XXXX  Citibank claimed it could not locate the account.\n XXXX XXXX XXXX  I followed up with a second formal dispute letter with complete documentation. No response was received.\n XXXX XXXX XXXX  I submitted a third formal letter and filed a CFPB complaint XXXX) with all prior documents and certified mail evidence.\n XXXX XXXX XXXX   I received a voicemail from Citibank's Executive Response Team and a follow-up email referencing an invalid callback method (a card I do not possess).\n\nDespite repeated efforts, Citibank has failed to remove the unauthorized account or provide validation. The account, which was updated to a XXXX balance, has now been reinstated with a $13,405 balancewithout explanation or justification.\n\nLegal Violations (FCRA/FCBA)\nCitibank is in violation of the following statutes:\n FCRA  1681i  Failure to conduct a reasonable reinvestigation\n FCRA  1681s-2  Continued furnishing of inaccurate information\n FCRA  1681e(b)  Failure to follow reasonable procedures\n FCBA  1666  Failure to properly respond to billing dispute\n\nWillful Noncompliance and Pattern of Behavior\nThe repeated contradictory letters, failure to respond to certified mail, and unauthorized re-reporting of the accountdespite a valid fraud affidavitconstitute a willful pattern of noncompliance. Citibanks attempt to engage by phone after months of written disputes further demonstrates an effort to avoid written accountability.\n\nDamages and Settlement Demand\nDue to Citibanks willful and negligent violations, I demand a monetary settlement of XXXX to compensate for:\n Emotional distress and mental anguish\n Loss of credit opportunities and defamation of credit\n Time, costs, and certified mailing expenses\n Statutory damages of up to XXXX per violation under FCRA  1681n\n\nDeadline and Final Resolution Terms\nYou have 15 calendar days from the receipt of this letter to:\n1. Permanently delete all references to account XXXX XXXX XXXX XXXX from all credit bureaus.\n2. Provide written confirmation that no balance is due and no liability is associated with me.\n3. Cease any and all attempts to transfer, re-age, or sell this account.\n4. Issue a certified settlement of $25,000 payable to me.\n\nFailure to comply will result in:\n Legal action filed in federal court\n Referral to the Nevada Attorney General, FTC, and CFPB\n Further FCRA and FCBA litigation with request for punitive damages\n\nEnclosures:\n Letters dated XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXn Citibank letters dated XXXX XXXX XXXX XXXX XXXX XXXX CFPB Complaint XXXX\n Voicemail transcript XXXX XXXX XXXXn Email from Citibank (Ref XXXX)\n Fraud Affidavit and Tax Allocation Addendum to Settlement Demand\n Copy of Nevada Drivers License\n Credit report with highlighted tradeline\n\n\nPlease respond in writing only.\n\nSincerely,  \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