Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
In XX/XX/year>, I received a credit alert from XXXX stating that my CitiBank/Best Buy credit account had been closed as of XX/XX/year>. I confirmed on my credit report that, indeed, my CitiBank/Best Buy credit card account was reporting as " closed by consumer. '' I noted that XXXX was the only credit bureau reporting the account as closed ; XXXX and XXXX were reporting my account as open and in good standing. I contacted CitiBank/Best Buy credit card customer service in XXXX, and the representative I spoke with confirmed that my account is open with a credit limit and available to spend limit of {$10000.00}. I further confirmed on my Best Buy app that my credit card account is still open and has a {$10000.00} credit limit, all of which is available for me to spend. The representative stated she would file a credit dispute on my behalf, which would send data to XXXX to state that my credit card account is open, active and not closed. I also filed a credit report dispute of my own, directly with XXXX, to dispute that this credit card account is open and active. As part of my dispute through XXXX, I uploaded documentation to their dispute portal -- screen shots from my CitiBank/Best Buy credit card showing that the card is open, active and I have {$10000.00} available to spend -- to support my dispute. On XXXX XXXX, XXXX completed its investigation into my dispute, and they state that the creditor has verified to them that the account is correctly reporting as " closed '' and " closed at consumer 's request. '' This is knowingly false and inaccurate information by both XXXX and CitiBank/Best Buy credit card. I called CitiBank/Best buy on or around XXXX XXXX, and the representative again confirmed my account is open and active. She also stated she saw the internal credit report dispute that CitiBank/Best Buy filed on my behalf, and the response they received to that dispute did not make any sense. As the consumer, I am caught in the middle between XXXX blaming CitiBank/Best Buy and CitiBank/Best Buy blaming XXXX for falsely and XXXX reporting my account as closed, when the account is no such thing. Furthermore, I believe that both XXXX and CitiBank/Best Buy are doing nothing more than passing the buck, each blaming the other, but neither of them taking the legally required steps and actions to correct this error on my credit file. My credit score dropped several points as a result of this reporting, so it has caused me tangible harm when I applied for a mortgage loan this week. I have attached a copy of the XXXX XXXX XXXX dispute investigation results, showing that both companies are irresponsibly and knowingly reporting false, inaccurate data to each other about my account.

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