Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Citi Bank CBNA Account from Credit Report Dear XXXX, I am writing to formally dispute the inclusion of the Citi Bank CBNA credit card account on my credit report. I assert that the reporting of this account is both unauthorized and inaccurate, as I never consented to its inclusion. Under the provisions of federal law, specifically 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) and 15 U.S.C. 1681a ( Fair Credit Reporting Act ), I am entitled to control the dissemination and reporting of my financial information.

Legal Basis for My Dispute 15 U.S.C. 6802 provides consumers with the right to control the sharing of their personal financial information.

15 U.S.C. 1681a establishes the foundational definitions and rights regarding consumer reporting and mandates that credit bureaus ensure the accuracy and authorization of reported information.

As a consumer aware of my rights under these statutes, I am invoking them to demand the immediate removal of the Citi Bank CBNA account from my credit report. At no point did I provide authorization for this account to be reported, as is my right under the aforementioned laws. 

Identity Theft Report and Failure to Comply In addition, I previously notified XXXX that I am a victim of identity theft and provided an identity theft report to support my claim. Pursuant to 15 U.S.C. 1681c-2, credit reporting agencies are required to block the reporting of information resulting from identity theft within four business days of receiving adequate documentation. Despite my compliance with these requirements, you have failed to act in accordance with the law. 

Request for Verification and Validation I also requested that you provide : Method of Verification : Proof of how you verified the accuracy of the Citi Bank CBNA account. To date, you have not provided this information, which is a violation of consumer law.

Debt Validation Letter : Documentation proving that this debt belongs to me. Failure to provide such documentation necessitates the removal of this account from my credit report, as outlined under 15 U.S.C. 1692g.

Demand for Immediate Action Given your failure to provide the requested information and comply with federal laws, I demand the following : Immediate removal of the Citi Bank CBNA account from my credit report.

Written confirmation that this account has been deleted.

Assurance that this unauthorized reporting will not reappear on my credit report.

Potential Legal Recourse Continued reporting of this account constitutes a violation of my rights under federal law, for which I am prepared to seek damages in a court of law. This includes any emotional distress, reputational harm, and financial loss incurred as a result of your non-compliance. 

I trust that you will take this matter seriously and act in accordance with the law. Please provide a response within 15 days from the date of this letter. Failure to comply will leave me with no choice but to escalate this matter further. 

Sincerely, XXXX XXXX

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