Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
To whom it may concern, This is a formal request to remove, and delete the following inaccurate account from my credit report : DSNB/MACYS ACCOUNT # XXXX The DSNB/MACYS ACCOUNT # XXXX being furnished to the credit bureau is being disputed as I am a victim of identity theft. Credit reporting laws require collectors, and credit bureaus to only report accurate credit information. I have no knowledge of this fraudulent entry on my credit report. I have never opened any accounts with the account number listed on my report. I have never opened an account on the date referenced on my credit report associated with this account number. Per the Illinois Collection Act, 225 ILCS 425/9.4, ( a ) Upon receipt from a debtor of all of the following information, a collection agency must cease collection activities until completion of the review provided in subsection ( d ) of this Section : ( 1 ) A copy of a police report filed by the debtor alleging that the debtor is the victim of an identity theft crime for the specific debt being collected by the collection agency. ( 2 ) The debtor 's written statement that the debtor claims to be the victim of identity theft with respect to the specific debt being collected by the collection agency, including ( i ) a Federal Trade Commission 's Affidavit of Identity Theft, ( ii ) an Illinois Attorney General ID Theft Affidavit, or ( iii ) a written statement that certifies that the representations are true, correct, and contain no material omissions of fact to the best knowledge and belief of the person submitting the certification. This written statement must contain or be accompanied by, each of the following, to the extent that an item listed below is relevant to the debtor 's allegation of identity theft with respect to the debt in question : ( A ) A statement that the debtor is a victim of identity theft. ( B ) A copy of the debtor 's driver 's license or identification card, as issued by this State. ( C ) Any other identification document that supports the statement of identity theft. ( D ) Specific facts supporting the claim of identity theft, if available. ( E ) Any explanation showing that the debtor did not incur the debt. ( F ) Any available correspondence disputing the debt after transaction information has been provided to the debtor. ( G ) Documentation of the residence of the debtor at the time of the alleged debt, which may include copies of bills and statements, such as utility bills, tax statements, or other statements from businesses sent to the debtor and showing that the debtor lived at another residence at the time the debt was incurred. ( H ) A telephone number for contacting the debtor FCRA section 609 ( e ) states that businesses must comply with the law when notified of possible identity theft. Please investigate this matter thoroughly

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