Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX CITIBANK , N.A . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SD XXXX ACCT ENDING : XXXX Notice of Dispute and Request for Validation of a Debt Dear CITIBANK, XXXX, I am writing this letter to formally dispute the validity of the debt being reported by your agency and to request immediate validation of the debt as well as correction of inaccurate credit reporting to the credit reporting agencies. 

Account Information : CITIBANK , N.A . 
Account Number : XXXX Date of Last Activity : XXXX Amount in Dispute : {$9900.00} I have recently obtained a copy of my credit report, which revealed the presence of an account allegedly being collected by your agency. Upon careful review and analysis of the information provided, I have reason to believe that there are inaccuracies in the reporting of this debt. 

As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to receive validation of this debt. I kindly request that your agency provide me with the following information : 1. Verification of the debt amount claimed, including a detailed breakdown of any interest, fees, or charges applied.

2. Copies of all documents proving that I am indeed responsible for this debt, such as the signed agreement or contract with the original creditor.

3. Verification that your agency is legally authorized to collect this debt on behalf of the original creditor. 

I also request that your agency cease all collection activities, including any reporting to the credit reporting agencies, until the requested debt validation is provided. 

Please be aware that the inaccurate reporting of this debt to the credit reporting agencies is negatively impacting my creditworthiness and causing substantial harm. In accordance with the FCRA, I hereby dispute the accuracy of this debt and request that you correct the erroneous information being reported to the credit reporting agencies, including but not limited to : Incorrect balance Misreported payment statuses Inaccurate dates of delinquency I expect your agency to conduct a thorough investigation into the disputed debt and promptly provide me with the requested validation within 30 days of receiving this letter. 

If your agency fails to validate the debt or correct the inaccurate reporting within the specified timeframe, I will have no choice but to exercise my rights under the FDCPA and FCRA and pursue all available legal remedies to protect my interest. 

Please communicate with me in writing only and provide all correspondence related to this matter via certified mail with return receipt requested. This will ensure a documented record of our communication. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution and the restoration of accurate credit reporting. 

Sincerely, BY : XXXX, XXXX R/Agent FOR : XXXX XXXX XXXX/Principal WITHOUT RECOURSE

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