Consumer complaint received 2025-01-27 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: MS

Complaint narrative:
The account allegedly opened in my name in in XXXX and has been delinquent since XX/XX/XXXX. Each time I have sent a letter requesting the following : Letter number one Proof that I owe the debt : Please provide me with the following documentation : 1. Proof that I owe the debt, including a copy of any signed agreement or contract.

2. A detailed account statement showing how the debt amount was calculated, including all charges, interest, and fees applied.

3. Proof that you have the legal right to collect this debt, including any agreements transferring the debt from the original creditor to your agency.

4. The name and address of the original creditor, as well as the date the debt was incurred.

Until you provide the above information, I request that you cease all collection activity, including reporting this debt to the credit bureaus. Reporting unverifiable information may be a violation of the Fair Credit Reporting Act ( FCRA ). 

Please consider this a formal notice to cease any further contact with me about this matter, except to provide the requested validation or to notify me that collection efforts have been terminated. 

Failure to provide adequate validation will result in my disputing this debt with the appropriate credit bureaus and filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and my state attorney generals office. 

Letter number two : Cease collection attempts : Because this debt is time-barred, I request that you cease all collection attempts, including reporting this debt to any credit reporting agencies. Please note that I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Please be advised of the following : 1. You are prohibited from filing a lawsuit to collect this debt. Attempting to do so would be a violation of applicable laws and regulations.

2. I request that you cease all collection activities related to this debt, including phone calls, letters, or any other communication with me.

3. Do not sell or transfer this debt to another collection agency, as it is time-barred and unenforceable.

Additionally, if you report this debt to any credit reporting agencies, I request that you update the account to reflect its time-barred status or remove it entirely if it has been more than seven years since the original delinquency.

If you believe this debt is still enforceable, I request that you provide me with the following documentation : Proof of the date of the last payment or activity on the account.

A copy of the agreement that created the debt, along with evidence of my obligation to repay it.

Failure to comply with this request may result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

Thank you for your immediate attention to this matter. I look forward to your written confirmation that this matter is closed. 

Letter number three : Harassment by collection agency Formal Complaint Regarding Harassment by XXXX XXXX XXXX I am writing to formally address and dispute the actions of your agency, which I believe constitute harassment under applicable laws, including the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, I have experienced the following actions, which I find to be unreasonable and harassing : I have received an excessive number of phone calls, including multiple times per day and 7 days per week, inappropriate language, threats, and calls outside of allowable hours. 

Please consider this letter my formal request that you cease all forms of harassment immediately. I further request that all future communication regarding this matter be made in writing and sent to my address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX If your agency continues to engage in unlawful harassment, I will have no choice but to report these actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general 's office. I also reserve the right to pursue legal remedies as necessary to protect my rights. 

Thank you for your immediate attention to this matter. Please confirm receipt of this complaint in writing. 

I have not received a response to any letter I have sent. Rather, the collection has been sold more than once to different agencies and I have to start this process all over again.

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