Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
This letter is sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), codified at 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) to formally request validation of the alleged debt listed below and to notify you of several ongoing statutory violations : Alleged Account : CITICARDS CBNA Account Number ( partial ) : XXXX Amount Reported : Reported as charge-off with balance Violations Identified Failure to Provide Proof of Debt You have not furnished a copy of the original signed consumer contract showing that I agreed to the debt or any proof that this debt is valid and enforceable .. As the alleged debt is being reported to consumer reporting agencies, you are obligated under FCRA 1681e ( b ) and 1681s-2 ( b ) to ensure the data is 100 % accurate and verifiable. As of today, you have not done so.Continued collection or reporting of unvalidated debt violates FDCPA 1692g and FCRA 1681s-2 ( b ).

Inaccurate and Misleading Credit Reporting You are reporting the account as charged off with an active balance, implying the account is simultaneously canceled and collectiblean inherent contradiction and violation of FCRA 1681e ( b ).

Violation of GLBA 6802 ( b ) ( 1 ) ( A ) - ( C ) My nonpublic personal information has been transmitted to third parties ( XXXX  and possibly others ) without my explicit signed consent or proper disclosure. As Citi Bank is not the owner of XXXX, This is a direct violation of the Gramm-Leach-Bliley Act ( GLBA ) which requires clear, written opt-in disclosure before sharing private consumer data. 


Failure to Provide 1099-C for Charged-Off Account According to IRS regulations, if this debt was canceled, you were required to issue a Form 1099-C. I have not received such a form. This indicates either the debt was not canceledor was canceled and you failed to notify me. You may be in violation of 26 CFR 1.6050P-1 and FCRA 1681e ( b ) if the information you are furnishing is inaccurate or incomplete. 


XXXXurnishing Inaccurate or Unverifiable Data to XXXX  Under FCRA 1681s-2 ( b ) and 1681e ( b ), you must ensure that any information you furnish to a credit reporting agency is accurate and verifiable. As I have already disputed this tradeline with XXXX, and it was allegedly verified without supporting documentation, you may be complicit in furnishing knowingly false or unverifiable data in violation of FCRA 1681q. 


You Are Now On Notice You are hereby requested to validate the following : A full copy of the original consumer agreement bearing my wet ink signature. 
A full account history, including breakdown of principal, interest, fees, and insurance claims paid. 
A copy of any Form 1099-C if this account has been charged off. 
Proof that I consented in writing to have my data shared with any credit bureau or third party entities. 
Name and contact of any third-party debt collector or buyer assigned the debt. 
Chain of title of this account that was sold to another entity. 
Until proper validation is provided, you must cease collection efforts and remove the tradeline from all consumer reports. Failure to comply will result in litigation, formal complaints with the CFPB, FTC, Texas Attorney General, and potential claims under FCRA 1681n and FDCPA 1692k.

I am submitting this complaint because a creditor or debt collector is reporting an account as both charged off or in collections AND still showing a balance owed.

This is misleading and inaccurate, and a violation of FCRA 1681e ( b ) which requires information to be reported with maximum possible accuracy. Once a debt is charged off or canceled, especially if a 1099-C has been issued or the account was sold to a third party, the balance should be updated to {$0.00}. 

I have disputed this account, but the furnisher and/or credit bureau failed to correct the error. Reporting a charge-off with a balance is inconsistent with IRS policy , Metro 2 guidelines, and consumer law standards. If the debt was forgiven, sold, or covered by insurance, it is no longer legally collectible and should not show an outstanding amount. 

I am requesting that this account be corrected to reflect a XXXX balance or removed entirely, and that the credit bureau provide me with a full description of the procedures used during their investigation, including the method of verification under FCRA 1681i ( 7 ).

This inaccurate reporting is negatively affecting my creditworthiness and may constitute a willful violation under FCRA 1681n.

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