Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am submitting this complaint regarding XXXX Citi Card accounts currently appearing on my credit report that I do not recognize and believe may be inaccurate or fraudulent. I contacted Citibank directly in an attempt to verify these accounts. However, after multiple searches using my full name, Social Security number, telephone number, and other identifying information, Citibank representatives informed me that they were unable to locate any accounts associated with me in their system. This situation is extremely concerning because these accounts continue to be reported on my consumer credit reports despite the creditor being unable to verify or identify them internally. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information may be reported. If the furnisher can not identify or validate the accounts, the accounts should not continue to appear on my credit file. I am submitting this complaint regarding XXXX Citi Card accounts currently appearing on my consumer credit reports that I do not recognize and believe may be inaccurate, unverifiable, or potentially fraudulent. In an effort to verify the legitimacy of these accounts, I contacted Citibank directly. During my communication with their representatives, searches were conducted using my full name, Social Security number, telephone number, and other identifying information. Citibank informed me that they were unable to locate any accounts associated with me in their internal system. This is extremely concerning because these accounts continue to be reported on my credit file despite the creditor being unable to identify or verify them internally. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies and furnishers are required to ensure that all information reported is accurate and verifiable. If Citibank can not identify these accounts using my personal identifying information, there is serious concern regarding the validity and accuracy of the reporting. I am formally requesting the following : An immediate investigation into these Citi Card accounts Verification of the original application, signature, account records, and all supporting documentation associated with the accounts Disclosure of the method of verification used to continue reporting these accounts Immediate deletion of the accounts from all consumer reporting agencies if they can not be fully verified pursuant to the FCRA I believe the continued reporting of these unverifiable accounts may constitute violations of FCRA 1681e ( b ) and FCRA 1681i, which require maximum possible accuracy and reasonable reinvestigation of disputed information. Please provide me with written confirmation of the results of your investigation and any actions taken to correct my consumer reports.

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