Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, 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:
CBNA/SEARS has failed to provide me with any documentation showing that the original credit amount in XX/XX/XXXX of {$50.00} ( according to XXXX report ) to the questioned account after it was first requested. I have never received any invoices/bills at any time when the first amount was reported to XXXX  in XX/XX/XXXX or any billing cycle since that time. I reported the issue to XXXX  on XX/XX/XXXX as to having no knowledge of charges to the account nor do I have any knowledge of setting up this account. XXXX   responded with the information shows accurate and that I should contact the creditor CBNA/SEARS directly. I sent a letter certified mail on XX/XX/XXXX to CBNA/SEARS requesting they either remove the negative report from my account and/or send me copies of bills/invoices showing charges and how this original {$50.00} dollar credit came about, where the billing address is that was reported on the account, and what store the account was opened at. On XX/XX/XXXX CBNA/SEARS  responded that they reviewed my information and that it shows accurate and to contact one of the credit agencies. They specifically ignored my request in the certified letter sent to them asking for the documentation on the account. CBNA/SEARS  in response to my letter, instructs me to contact the credit agencies such as XXXX. Had CBNA/SEARS  really looked into this account as they stated in the letter, they would see XXXX  is aware of the issue and referred me to CBNA/SEARS for further help. 

I previously asked CBNA/SEARS to send all documentation including copies of bills listing items purchased, address original bills had been sent to, original account opening documents and the store/facility location that this account was opened at. I have disputed the situation with both XXXX, and the CBNA directly and neither has assisted in the efforts of resolving this issue. They have yet to return any details showing how this balance came about. I can't fix the problem if the companies involve refuse to send supporting documents that would allow me to see how the balance came to be past due for items purchased that I have no knowledge of. I sent XXXX  a dispute on the accuracy and they sent back they found the information is correct and to contact CBNA. I sent certified mail requesting these documents to CBNA and got a generic response stating they checked into the information and it is correct. This is not enough to satisfy me as the account should be removed since it is not accurate information being reported and the company refuses to send me the documentation I requested. I would also like to note that according the the XXXX report the original charge was XXXX dollars. Had this invoice been sent to me originally at the time of the charge I would have resolved it one way or another with CBNA immediately. No other parties would have been involved with this issue as I would have the documentation to report fraud and resolve the issue before it hit my credit report. I find it hard to believe that CBNA has not in this entire process seen that I have lived at the same address for 8 years and did not send 1 notice about this issue.

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