Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Statement of Claim : Citicorp North America has violated my privacy rights pursuant to the Dodd-Frank Act, the Gramm-Biley-Leach Act, the Privacy Act of 1974, Family Rights and Privacy Act, and the Fair Credit Reporting Act. ( All referenced acts attached in a separate document. ) These violations include due process, trespass and defamation of character. Reporting without my written authorization is aggravated identity theft, with no verification/validation of defendants actions are ultra-vires, seeking unjust enrichment and causing irreparable harm. Reporting is a false claim and a violation of XXXX  business codes, All reporting is XXXX. Plaintiff requests maximum award from the court. 
Plaintiff alleges defendant has violated numerous consumer privacy rights, causing damage of reputation in the business community, and actual damage denied extensions of credit from multiple lending institutions. The Dodd Frank Act, Graham Leach Biley Act, Family Rights and Privacy Act, the 1974 Privacy act, whereas giving no rise to a cause of action, all are instrumental in emphasizing consumers right to privacy in their personal business transactions. 
Plaintiff alleges violations of the FCRA, including but not limited to 15 USC 1681 ( 3 ), agencies have no authority, in law, and have assumed a position of authority, in consumers personal affairs. 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( b ), agencies can not furnish an account without my written instructions. 15 USC 1681n, civil liability for willful non-compliance, 15 USC 6802 Lender actions have led to defamation of character, violation of due process laws/trespass, emotional distress, and discriminatory denial of credit in violation of the Equal Opportunities Credit Act.

Any and all reporting without my verification/validation, is thus hearsay, reporting of such tradelines, as if accurate, with no such evidence of, major violation of this states False Claims act. Reporting/furnishing to agency of no authority, and without my written consent is thus ulta-vires, criminal, XXXX crimes, aggravated identity theft, seeking unjust enrichment. Plaintiff notices courts of numerous attempts to remedy, said violations, written and verbal, no relief granted. Plaintiff seeks maximum award as allowed in this said court of limited jurisdiction. 
I sent a Demand for Deletion regarding late payments reported to the three main Credit Reporting Agencies ( CRAs ), XXXX, XXXX and XXXX. Citicorp ignored my letter, and instead sent a letter stating they can not Determine the exact information on your credit report which you are disputing. The exact information was provided to Citicorp because I included a copy of the credit report from all three CRAs showing the late payments Citicorp reported without my express written permission. 
This led to me being denied credit from American Express ( denial letter included ).

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