Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Upon attempting to obtain a XXXX XXXX XXXX, purely by co incidence im sure, after years of having an impeccable payment history with spans of account not being used, citibank decided to cut my consumer line of credit in half, it was a XXXX XXXX XXXX account. Thats just the start.that is regarding the consumer line of credit with home depot. Citibank is the creditor. 
Then there is a second line of credit a commercial line of credit also XXXX, opened under XXXX XXXX XXXX XXXX. I am the owner and sole proprieter of XXXX XXXXXXXX XXXX XXXX This business has no employees, has no employer identification number. The line of credit was opened utilizing my personal social security number. 
Yet citi bank has never reported this account on my credit. When confronted after cutting my consumer line in half, they stated it was under the business identity. 
I am the business identity. In fact home depot refunded materials on that account when i first opened it, and they sent me a check made out to XXXX XXXX XXXX XXXX. I still have the check. I had to fight with them to put my given name on that account and re-issue a check as the business was and is run through my personal account. I have and will accept full liability for XXXX XXXX XXXX XXXXXXXX then and now, hence XXXX XXXX. 
Whole applyling for a new line of credit or a loan for a start up, XXXX XXXX XXXX, citi bank suddenly cut my consumer line of credit, however they did not touch the commercial line, the one that they refuse to report on. Doing so offset my credit usage percentage, possibly being one of the reasons for loan denial. Now due to this i have had to extend more of my credit, making me further from my goal. 
Citi bank visa is guilty of violation of your own statute as well as 15 usc 1681 adverse action. This in concert with chase and the sba are absolutly wrecking my otherwise impeccable score. I started a month ago at XXXX fico XXXX and im still dropping last checked i was below XXXX. In one month partially due to citi banks part in this racketeering scheme to lower my credit forcing higher interestrates on loans. Not to mention the XXXX  leaking my information to XXXX XXXX  who hit my credit with a hard pull before my expressed authorization, im XXXX approved yet no XXXX lenders will loan me the requested amount, all dome back with a lower offer. Im recording 100 % of this, for offering a loan at a lower rate than requested is text book adverse action by definition of uscode. XXXX XXXXXXXX did it, XXXX has supplied at least 6 lenders that have denied a gauranteed XXXX backed loan in any amount or in an amount less than requested. I will gladly supply screen shots of most every one of the firms that have adversly affected my credit in this manner. READ THE CODE, 15 usc 1681. ADVERSE ACTION! Offering a loan amount for a lesser amount than requested is a violation of this code.

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