Consumer complaint received 2026-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX regarding an alleged Citibank account in the amount of approximately {$1400.00}. XXXX XXXX XXXX is attempting to collect and furnished this alleged account on my consumer credit reports, but I have disputed the debt in writing twice and XXXX has failed to provide proper validation, verification, or documentation proving that the debt is accurate, legally enforceable, and belongs to me. I first sent XXXX XXXX XXXX a written debt validation and proof-of-claim request dated XX/XX/XXXX. In that letter, I clearly stated that I have no account with XXXX, that I am not XXXX customer, and that I disputed the alleged debt. I requested proof of their authority to collect, proof of the alleged debt, a copy of any contract or instrument bearing my signature, proof of the alleged balance, and the purchase agreement or assignment showing XXXX authority regarding the alleged Citibank / XXXX XXXX account. After XXXX failed to properly validate the debt, I sent a second written dispute on XX/XX/XXXX and request for validation again. In that second letter, I again disputed the alleged account and requested documentation showing the original creditor, the complete accounting of the balance, the date of default or charge-off, proof of ownership or assignment, chain of title, proof that XXXX has authority to collect, and proof that any information furnished to consumer reporting agencies is accurate, complete, and verifiable. Despite receiving my written disputes, XXXX has not provided the requested validation or documentation. XXXX has not provided a signed contract, purchase agreement, a complete accounting, proof of ownership, a valid assignment identifying this specific account, or proof that the amount they are claiming is accurate. XXXX has also failed to provide a meaningful written response explaining the basis for the alleged debt. I believe XXXX conduct may violate the Fair Debt Collection Practices Act, including 15 U.S.C. 1692g, because I disputed the debt and requested validation, but XXXX did not provide proper verification. I also believe XXXX may be violating the Fair Credit Reporting Act and Regulation V by furnishing or continuing to furnish disputed, unverified, incomplete, or inaccurate information to consumer reporting agencies without conducting a reasonable investigation of my direct disputes. My complaint is that XXXX XXXX XXXX has failed to validate this alleged debt after XXXX written requests, yet the alleged account remains a collection matter and/or is being furnished to credit reporting agencies. XXXX should not be allowed to report or continue collecting on an alleged debt that it can not properly validate and verify. I am requesting that the CFPB require XXXX XXXX XXXX XXXX XXXX XXXX to do the following : XXXX. Provide the purchase agreement, full debt validation and verification, including the original creditor information, complete accounting ( accounting are not statements ), proof of ownership, chain of assignment, and any contract or document bearing my signature that creates liability for this alleged debt. XXXX. Provide proof that XXXX has legal authority to collect this alleged Citibank account. XXXX. Provide proof that the alleged balance of {$1400.00} is accurate and properly calculated. XXXX. Provide proof that XXXX conducted a reasonable investigation after receiving my written disputes. XXXX. Provide proof that XXXX reported this account as disputed to all consumer reporting agencies. XXXX. Delete or request deletion of this account from XXXX XXXX XXXX, and any other consumer reporting agency if XXXX can not fully verify the alleged debt. XXXX. Cease collection activity on this alleged account until proper validation is provided. XXXX. Provide a written explanation of all actions XXXX has taken in response to my disputes. I am attaching copies of my written dispute letters and any certified mail receipts or proof of mailing/receipt available. I am requesting a full written response from XXXX and correction or deletion of any inaccurate, incomplete, disputed, or unverifiable credit reporting.

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