Consumer complaint received 2016-06-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
This is written notice to CITI BANK that your claim has been disputed under the FAIR CREDIT REPORTINGACT ( FCRA ), FAIR DEBT COLLECTION PRACTICES ACT, THE FAIR AND ACCURATE CREDIT TRANSACTION ACT, AND COLORADO STATE ATATUTES. I have the XXXX right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that INVALIDATED, INACCURATE, DISPUTED ACCOUNTS which are being illegally displayed on my credit file, be LEGALLY VALIDATED, and if VALIDATION can not be made within the 30 day time frame allowed to CITI BANK by law. The disputes listed in my original complaint must now be completely removed from my credit report. ( CITI BANK has now legally exceeded the time frame allowed by law ). 
Your legal staff will agree that compliance with this request is required under the laws of the FCRA and Colorado and Federal Statutes. 
The law requires compliance with the terms and conditions of the Fair Credit Reporting Act ( FCRA ) FDCPA, FACTA, AND COLORADO STATE STATUTES within 30 days or a complete withdrawal in writing of any claim. CITI BANK has failed to remove this INVALIDATED accounts information, outlined in my original disputes. This inaccurate accounts information should not be associated with my credit report and CITI BANK has failed to legally VALIDATE this accounts information in the time frame allowed by law. 

AS YOU CITI BANK, ARE IN FACT NO DOUBT AWARE, THAT IT IS ILLEGALY AND A DIRECT VIOLATION OF THE LAW TO CONTINUE TO REPORT THAT AN ACCOUNT IS ACCURATE, WHEN IN FACT THERE HAS BEEN NO PROVIDED PROOF THAT IT IS! 
CITI BANK HAS LEGALLY FAILED TO PROVIDE ME WITH THE FOLLOWING : Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and " VALIDATION '' HAS BEEN REQUESTED! 
This is not a request for " Verification '' or proof of my mailing address, but a request for Validation made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for-HAS NOT BEEN PROVIDED IN TIME FRAME ALLOWED TO YOU BY LAW! 
Explain and show me how you calculated what you say I owe- HAS NOT BEEN PROVIDED Provide me with copies of any documents that show I agreed to pay what you say I owe-HAS NOT BEEN PROVIDED Identify the original creditor- HAS NOT BEEN PROVIDED Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED. 
Show me that you are licensed to collect in my state- HAS NOT BEEN PROVIDED Provide me with your license numbers and Registered Agent- HAS NOT BEEN PROVIDED At this time I will also inform you that your offices have reported AND ARE CONTINUING TO REPORT INVALIDATED information to all three major credit bureaus ( XXXX, XXXX and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative marks that have been found on all XXXX of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Citibank/Sears for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character AS YOU CITI BANK ARE NO DOUBT AWARE THAT YOU ARE IN DIRECT VIOLATION OF THE LAW! 

AT THIS TIME I HAVE WAITED LONG ENOUGH FOR CITIBANK TO CORRECT THIS ERROR, AND I WILL NOW ONLY ALLOW YOU 5 BUSINESS DAYS FROM THE DATE OF YOUR RECIEPT TO COMPLETELY REMOVE THIS INVALIDATED, INACCUARTE, DISPUTED ACCOUNTS FROM MY PERSONAL CREDIT REPORTS! CITI BANK YOU ARE VIOLATING THE LAWS AND ARE CONTINUING TO KNOWILY VIOLATE THE LAWS, AND YOU WILL LEAVE ME NO OTHER ALTERNATIVE BUT TO SUE YOU HERE IN THE STATE IN WHICH I LIVE FOR VIOLATING THE LAWS.

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