Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
This is in reference to an account on my credit report, CitiCards XXXX. This is my third dispute with the credit agencies ( XXXX, XXXX and XXXX ) and technically my third with CitiCards/ CitiBank who I spoke with earlier today ( XX/XX/XXXX ) and their specialist ( XXXX ) put through a dispute on my behalf. That was due to my dissatisfaction of their response to my original dispute, and now this one makes three.

So between the back and forth with the agencies after their re-investigations and them updating certain info on my report by deleting them instead of making them accurate because they couldn't prove it like XXXX erased most of my info instead of updating it and XXXX changing my charge off date to XX/XX/XXXX when it was originally XX/XX/XXXX which was accurate at the time. They have my account in good and OK status all the way up until this year as if there were no delinquency until XX/XX/XXXX when I actually paid off the charge off. This was done after they first reinvestigated my dispute and verified it accurate and then on their second reinvestigation this was the action they made. Is that not unlawful to change accurate information on my credit report and make it false, then say it's right and I'm wrong and continue to have that displayed on my report? Is it right that Citi gave them the data and furnished this inaccurate information to them and again after I dispute with them they say everything IS CORRECT and they will not allow a change to the account.

The agencies keep telling me to wait until my credit report updates in 30 to 60 days before I can dispute again. They said it's not final yet. If you send me secure emails telling me my dispute is complete and I open it and it says complete, then its complete now. I'm not waiting 30 days let alone 3 if you decide to keep falsifying my credit reports with inaccurate information. FCRA laws protect me from you damaging my consumer identity with falsities especially after I brought them to your attention and provided documents to show. I talked with your agents over secure phone lines and told them exactly what was wrong and as they look at the side by side proof I sent through the CFPB complaints, they said it's still accurate and kept it verified and again sent me to deal with this with Citi.

So earlier today talking with XXXX she iterated more of the same, I have to wait up until 60 days not only for this to take it's course but I asked her to answer questions in my original dispute that Citi never answered in their completed response to my dispute they emailed me this morning. She couldn't provide me answer 's as to why my if you are providing data to the agencies and they all reflect your data, then why are all three reports coming back with different information even after their re-investigations and the few updates they did make to my account. I asked about not reflecting the payments I made on the reports but only shows my suggested and balance amounts. Citi 's so called investigation did not comment on this. They however did send statements that reflect what I said is true and that I made payments... again not showing on my credit reports. it still shows {$0.00} and one of the credit agencies just wiped off the XXXX and put a XXXX or XXXX in place instead of updating. It is in the documents I'll provide. So since I had unanswered questions that their response or XXXX over the phone couldn't answer I asked to speak to her superior or someone who could answer this. She said no, I'd have to wait up to 60 days for someone to get back to me from some other division and that she would just submit another dispute for me. She said I do not need to provide any information or documents, if they are needed they will ask for it when they get back to me. Well I am sending documents anyways to prove my credit reports are inaccurate, and have been re investigated now twice and been made even more inaccurate. I don't see how this is legal after not making proper corrections and making the correct information show now inaccurate, and continuously doing so. The information on this account can not be made to be accurate and after numerous attempts you still fail me and my consumer rights to have a fair and accurate credit report. That's all I wanted and asked for in my first dispute with the agencies, now I demand immediate removal. Citi and the agencies have failed over and over while I pay the price for all your negligence. 
I will send my updated reports from today that I bought with myfico and free information obtained through annualcreditreport. I have a monthly subscription with myfico since XXXX and I received multiple alerts of credit report changes and updates from you all updating this account and what you are updating along the way. It really shows how unfair and discriminatory your practices have been along with the trail of verifications and dismissing of my disputes to remove or make accurate. You all have tried multiple times to make this account show accurate amongst the agencies and Citi and failed over and over. This has to be removed now. I expect Citi to do what Citi has been doing, keep violating me and my FCRA rights. So when this comes back wrong again and said to be accurate, or updated with frivolous information I will cease communications and take this in front of a judge or however it works. Citi for their furnishing and unwillingness to comply with the accuracy of my account and after not making it accurate, not removing this account all together. The credit agencies for knowingly leaving false info on my report because the original creditor said so even though they can see the clear distinctions on their reports after I submitted prove. Balls in your courts as usual, I assume to see you in court. When I receive your completed response of nonsense, my lawyer will be in touch. God bless.

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