Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing this complaint against XXXX  due to repeated violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, 1681e, and 609 ( a ) ( 1 ) ( A ). TransUnion has failed to properly verify disputed accounts, ignored my requests for proof of ownership, and continues to report inaccurate and unverifiable information despite my evidence and disputes. 

Details : On XX/XX/XXXX, I notarized and mailed by certified mail ( proof uploaded ) a formal dispute letter to TransUnion regarding the following accounts : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX In that dispute letter, I requested : Proof of ownership with documentation that the accounts belong to me, Paperwork containing my signature, Identification of who verified the accounts, and A detailed description of the verification procedures, as required under FCRA 1681i ( 7 ). 

I also provided proof that XXXX  deleted the XXXX XXXX account in XX/XX/XXXX due to inaccurate information. Despite this evidence, XXXX  has continued to report the XXXX XXXX account. 

In response to my XX/XX/XXXX dispute, XXXX  sent me only a generic form letter ( uploaded as proof ), which did not address my requests. 

On XX/XX/XXXX, I called XXXX  and spoke with a supervisor named XXXX. I again requested proof of ownership, original signed contracts, and verification details. 

On XX/XX/XXXX, XXXX  sent me a credit report ( uploaded as proof ) that marked all disputed accounts as verified as accurate without providing the required supporting documentation or explanation of their investigation. 

Additionally, I have been a victim of the XXXX  data breach ( proof of breach notification letter uploaded ). Under the Credit Reporting Act, 609 ( a ) ( 1 ) ( A ) and U.S. Code 1681e, XXXX  is required by federal law to verify accounts through the physical verification of the original signed consumer contract. Without this safeguard, anyone paying for reporting services could submit fraudulent accounts. I therefore demand verifiable proof an original consumer contract with my signature on file for the disputed accounts. 

Your failure to positively verify these accounts has harmed my ability to obtain credit. Unverified accounts must be removed. If you can not provide me with verifiable proof, these accounts must be deleted from my credit report. 

Accounts in Dispute ( Unverifiable and Must Be Deleted ) : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Why I Am Filing This Complaint : XXXX  failed to provide required documentation verifying ownership of the disputed accounts. 

XXXX  ignored my request for original signed contracts and verification details. 

XXXX  continues to report inaccurate information that has already been deleted by another bureau. 

XXXX  has failed its obligations under FCRA 1681i, 1681e, and 609 ( a ) ( 1 ) ( A ).

XXXX  actions have caused me financial harm and denied me fair access to credit.

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