Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/year> Subject : Formal Dispute of Inaccurate Charge-Off Reporting To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information appearing on my XXXX  credit report ( Report Number : XXXX, generated XX/XX/year> ). This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

The following accounts are reported as charged off, but are continuing to show monthly late payments * * after the charge-off date * * which is both inaccurate and in violation of federal reporting standards : 1. * * BEST BUY/CBNA * * Account # XXXX Charge-off date : XX/XX/year> Late payments are still being updated beyond the charge-off event, inflating derogatory data. Once an account is charged off, no further payment delinquencies should be reported. 

2. * * XXXX  XXXX * * Account # XXXX Charge-off balance : {$14000.00} Late payments and remarks continue after the charge-off, which is inaccurate under XXXX XXXX credit reporting guidelines and creates a misleading representation of ongoing defaults. 

3. * * XXXX XXXX  * * Account # XXXX Charge-off balance : {$8700.00} This account was charged off in XX/XX/year>, but XXXX  continues to show post-charge-off delinquencies into XX/XX/year> and beyond. 

In accordance with FCRA 1681i, I request a complete reinvestigation of these accounts and the * * removal of all late payment history occurring after the charge-off date * *. Additionally, if the creditors can not verify this data within 30 days, the accounts must be deleted from my file. 

XXXX  XXXX. XXXX XXXX XXXX, GA XXXX Date : XX/XX/year> Subject : Formal Dispute of Inaccurate Charge-Off Reporting To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information appearing on my XXXX  credit report ( Report Number : XXXX, generated XX/XX/year> ). This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

The following accounts are reported as charged off, but are continuing to show monthly late payments * * after the charge-off date * * which is both inaccurate and in violation of federal reporting standards : 1. * * BEST BUY/CBNA * * Account # XXXX Charge-off date : XX/XX/year> Late payments are still being updated beyond the charge-off event, inflating derogatory data. Once an account is charged off, no further payment delinquencies should be reported. 

2. * * XXXX  XXXX * * Account # XXXX Charge-off balance : {$14000.00} Late payments and remarks continue after the charge-off, which is inaccurate under XXXX XXXX credit reporting XXXX and creates a misleading representation of ongoing defaults. 

3. * * XXXX XXXX  * * Account # XXXX Charge-off balance : {$8700.00} This account was charged off in XX/XX/year>, but XXXX  continues to show post-charge-off delinquencies into XX/XX/year> and beyond.

In accordance with FCRA 1681i, I request a complete reinvestigation of these accounts and the * * removal of all late payment history occurring after the charge-off date * *. Additionally, if the creditors can not verify this data within 30 days, the accounts must be deleted from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/year> Subject : Formal Dispute of Inaccurate Charge-Off Reporting To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information appearing on my XXXX  credit report ( Report Number : XXXX, generated XX/XX/year> ). This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

The following accounts are reported as charged off, but are continuing to show monthly late payments * * after the charge-off date * * which is both inaccurate and in violation of federal reporting standards : 1. * * BEST BUY/CBNA * * Account # XXXX Charge-off date : XX/XX/year> Late payments are still being updated beyond the charge-off event, inflating derogatory data. Once an account is charged off, no further payment delinquencies should be reported. 

2. * * XXXX  XXXX * * Account # XXXX Charge-off balance : {$14000.00} Late payments and remarks continue after the charge-off, which is inaccurate under XXXX XXXX credit reporting guidelines and creates a misleading representation of ongoing defaults. 

3. * * XXXX XXXX  * * Account # XXXX Charge-off balance : {$8700.00} This account was charged off in XX/XX/year>, but XXXX  continues to show post-charge-off delinquencies into XX/XX/year> and beyond. 

In accordance with FCRA 1681i, I request a complete reinvestigation of these accounts and the * * removal of all late payment history occurring after the charge-off date * *. Additionally, if the creditors can not verify this data within 30 days, the accounts must be deleted from my file. 

Please send me an updated copy of my credit report once these errors are corrected. 

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