Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
THIS DEBT WAS FROM IDENTITY THEFT WAY BACK XXXX. I HAVE NO IDEA WHAT PERSON OBTAINED MY IDENTITY OR ACQUIRED A CREDIT CARD INMY NAME. BUT ITS OVER 5 YEARS AND NOW A DEBT BUYER IS RUINING MY CREDIT BASSED UPON AN IDENTITY THEFT ISSUE THAT CITIBANK REFUSED TO FOLLOW THROUGH ON ANY INVESTIGATION. THIS COLLECTION NEEDS TO BE DELETED PERMANENTLY!!! DEMAND FOR DEBT VALIDATION, PROOF OF OWNERSHIP, CHAIN OF TITLE, AND CREDIT REPORTING COMPLIANCE This correspondence constitutes a formal demand for validation of the alleged debt referenced above pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), applicable New York State laws and regulations, and any other applicable federal or state consumer protection laws. I dispute the validity of the alleged debt in its entirety and request complete validation and documentation before any further collection activity or credit reporting occurs. Please provide the following : ORIGINAL DEBT PROCUREMENT 1. A true copy of the original signed credit agreement, promissory note, contract, application, or other instrument creating the alleged obligation. 2. Documentation identifying : o The original creditor. o The original account number. o The date the account was opened. o The date of default. o The amount allegedly owed at charge-off. CHAIN OF TITLE AND OWNERSHIP If you are a debt collector : 1. Proof that you have legal authority to collect the alleged debt. 2. Documentation establishing the relationship between you and the current owner of the debt. 3. A complete chain of assignment showing every transfer of servicing or collection authority. If you are a debt buyer : 1. A true and complete copy of each Bill of Sale. 2. All assignment agreements transferring ownership of the account. 3. Documentation specifically identifying my alleged account within each transfer. 4. Evidence demonstrating an unbroken chain of title from the original creditor to the current alleged owner. 5. Documentation identifying the current legal owner of the debt. LICENSING AND REGULATORY COMPLIANCE Please provide : 1. Your legal business name. 2. Your state licensing information, if required. 3. Any registration numbers required by federal, state, or local law. 4. Documentation establishing your authority to engage in debt collection activities concerning New York consumers. DATE OF FIRST DELINQUENCY AND CREDIT REPORTING If this account is being reported to any consumer reporting agency, provide : 1. The Date of First Delinquency ( DOFD ). 2. The date the account became delinquent and was never again brought current. 3. The date upon which the account must be permanently excluded from consumer reports under the Fair Credit Reporting Act. 4. Confirmation of the exact date furnished to : o XXXX o XXXX o XXXX 5. Documentation demonstrating the accuracy of all information furnished. NEW YORK COLLECTION TIMELINES Please identify : 1. The date of default. 2. The applicable statute of limitations relied upon. 3. The basis for any assertion that the debt remains legally enforceable. NOTICE OF DISPUTE Because I dispute this account, I demand that no information be reported, verified, reinserted, or continued to be furnished to any consumer reporting agency unless you possess competent documentary evidence establishing the accuracy, ownership, and legal enforceability of the alleged debt. If you can not provide the requested documentation, I demand that you immediately cease collection activity and notify all consumer reporting agencies to delete any unverifiable, inaccurate, incomplete, misleading, obsolete, or improperly reported information associated with this account. Any continued reporting of information that can not be properly substantiated may constitute violations of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and applicable New York laws and regulations. Accordingly, any collection or items of default must be deleted on each respective credit bureau if all legal guidelines can not be validated.

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