Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On the XX/XX/year>. I tried to apply for a CITI credit card with Best Buy because I recently purchased a home and needed to get necessities like home cameras, appliances, etc. As a backstory, I also XXXX XXXX for Best Buy and XXXX XXXX XXXX XXXX XXXX XXXX So I understand how this process works. I was told directly by a HUMAN that I was denied because my address shows my old address still. It wouldve been nice to have more direction other than that I just needed to contact the XXXX  credit Bureau that provided the report, XXXX. I asked If its because of my address, can I provide a legal document that shows that my address is updated? should I go to a store and verify my identity there?? because the issue was not the reason of credit it was the issue of not being able to verify my identity, and I have literally tried every single way to do so. I called XXXX using the number provided by the agent and the new representative DID confirm that my old AND new address were both currently showing on the report. There were many calls that led to this one, as citi bank is impossible to get in contact with. So I was done at this point. I said ok, since no one wants to take responsibility, I want to dispute the inquiry and have it moved off my report. I was refused because I did give permission, BUT as there was INACCURATE information provided AND no path to resolution was given by either entity. Honestly I gave up until I received a call from CitiBank asking me to call back to verify my identity. I tried to call back and the real horrors began. As stated before, my job is to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So thats all I was calling to do. When calling the number in the voicemail and in digital letters provided to me, I get NOTHING but a robot, even though I have spoke to a person on this line days prior. Im sure you can understand my frustration to the point I called Citi Banks general line just to get to the right person and I STILL got no where. So I gave up and applied again with my old address and they still declined me and gave me the bogus reason ( that they couldnt approve me because I was recently declined, even though I was declined only for my address, so I fixed my address and they still wasted my time ) that I listed below. It has now been over two weeks and I have even tried to file a complaint with this company to get a manager to contact me and no one is helping me resolve this. INACCURATE will also not Remove the inquiry from my report, even though I provided this very detailed information to them as well. Something needs to be done asap, because not only have I been forced to live in a unsecure home for the first time, I have a meaningless inquiry on my report, one of the worst experiences that I have had with a company to help me with an issue that is literally their job, I missed out on multiple promotions that bestbuy had running during this lengthened and meaningless process. And no one to help. So now Im here, hoping you can actually get something done because for the past 2 weeks I have failed.

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