Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
Subject : Citi Bank Reporting Inaccurate Account Not Listed on Any XXXX XXXX  XXXX for XXXX and XXXX  Under FCRA XXXX and XXXX Company : Citi Bank XXXX : Credit Card Issue : Incorrect information on XXXX XXXX Consumer Complaint Narrative : I am submitting this formal complaint against Citi Bank regarding a credit card account, partial account number XXXX, which continues to appear in my Citi Bank XXXX app and internal account profile, even though it has been removed from all three major credit reporting agenciesXXXX XXXX and XXXX of todays date. 
In support of this complaint, I have submitted all necessary identifying and supporting documents, including a copy of my government-issued photo ID, Social Security XXXX XXXX proof of address via verified mail, a signed and notarized FTC Identity Theft Affidavit declaring the Citi Bank account XXXX question as unauthorized or related to identity theft, current copies of all XXXX XXXX XXXX showing the account has been deleted, and a screenshot from my Citi Bank XXXX XXXX displaying that the account remains visible and active internally. 
Under the Fair Credit Reporting Act ( FCRA ), Citi Bank is required to block and cease the use of any account that has been identified as fraudulent or the result of identity theft, once the proper documentation is provided, in accordance with XXXX [ XXXX XXXX  XXXX ]. Furthermore, under XXXX [ XXXX XXXX. XXXX ], I have the right to request a reinvestigation of disputed information and to have unverifiable or false data removed. Citi Bank continued retention and display of this accountdespite its removal by all XXXX XXXX XXXX and my submission of full supporting documentationdemonstrates either a refusal or failure to comply with these FCRA obligations. 
This situation has caused me significant emotional distress, concern over my data privacy, and hesitation to move forward with future credit applications, due to the possibility that Citi Bank XXXX still use this incorrect or disputed information in its internal decision-making processes. I believe this conduct constitutes willful noncompliance under FCRA XXXX [ XXXX XXXX. XXXX ] and/or negligent noncompliance under FCRA XXXX XXXX XXXX XXXX. XXXX ]. 
Therefore, I am requesting that Citi Bank permanently delete the account from its internal records and ensure it is removed from all online and mobile app access. I am also requesting a written confirmation that the account has been purged from all systems and will not be referenced in any future credit decisions or retained in any form. Furthermore, I am seeking monetary damages in the amount of {$1000.00} for the XXXX XXXX XXXX XXXX of my rights under XXXX XXXX 
Please confirm receipt of this complaint and provide a full written response outlining the actions taken to resolve this matter.

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