Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The Home Depot / CBNA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  SD XXXX Re : Formal Dispute Pursuant to FCRA 611, FCRA 623 and FDCPA 809 ( b ) Account : XXXXXXXX XXXX XXXX XXXX XXXX ( Charge Account ( Charge-off ) ) TransUnion Report Date : XX/XX/year> To Whom It May Concern : This letter is a formal dispute and demand for immediate reinvestigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and a demand for verification under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I am the consumer identified above and the TransUnion file number noted above contains an item you have reported or caused to be reported concerning the account referenced above. 
I dispute the accuracy and completeness of the reporting for the referenced account and hereby demand documentary verification and a full reinvestigation of all information you have furnished to any consumer reporting agency. This dispute is being submitted electronically and will also be filed through the Consumer Financial Protection Bureau ( CFPB ) complaint portal. 
Specifically, I require that you provide, within the statutory period, the following documentary evidence not mere assertions or cursory confirmations to substantiate your reporting : 1. A complete, itemized account ledger and payment history showing each payment posted to the account, the date of posting, the amount applied to principal, interest, fees and escrow ( if applicable ), and the running balance after each posting. 
2. A copy of the original signed agreement, promissory note, and any security instruments evidencing my legal obligation and bearing any endorsements. 
3. A complete chain of title / assignment history showing any sale, assignment, or transfer of the account and documentation that any transferee or assignee has the legal right to report this account. 
4. Documentation of any forbearance, modification, loss mitigation, or borrower communication that would affect the payment status being reported. 
5. Proof of the date ( s ) the alleged delinquencies occurred, and proof of any notices of default, acceleration, or other adverse notices that you claim were provided to me ( including certified mail receipts where applicable ). 
6. Copies of any periodic statements, billing notices, or other account notices sent to me for the periods you claim were delinquent. 
7. A clear explanation of how you computed the current balance and any fees, with supporting invoices or calculations. 
8. The identity and contact information of any third party to whom this debt has been sold, assigned, or transferred, and evidence of that sale/assignment. 
Under FCRA 611 and 623, you are required to conduct a reasonable reinvestigation of any disputed information you furnish to the nationwide consumer reporting agencies and to provide the results of your reinvestigation to those agencies. If you can not produce the requested documentary evidence proving the accuracy and completeness of the item as reported within the statutory reinvestigation period, you must delete the item from all consumer reporting agencies immediately. 
Be advised that continuing to furnish or permit the furnishing of inaccurate or incomplete information after a consumer properly disputes the item can constitute willful noncompliance with the FCRA ( 15 U.S.C. 1681n ), for which statutory damages, actual damages, and attorneys fees may be available. If you fail to perform a complete reinvestigation and verification, or if you continue reporting unverifiable or inaccurate information, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Florida Attorney General and I will consider all available legal remedies. 
Demand : Within the statutory period, provide to TransUnion and to me : ( a ) full documentary verification as requested above ; ( b ) notice of the results of your reinvestigation; and ( c ) immediate deletion of any portion of the account that you can not verify with the requested documentary proof. 
Communication : All communication regarding this reinvestigation, verification, and any collection activity associated with this account must be in writing only. Do not contact me by telephone ; any telephone contact will be recorded as harassment and documented for regulatory and legal purposes. 
Preservation Notice : Preserve all records, call logs, notes, emails, FAX transmissions, and any other documentation relating to this account, my identity, the reporting of this account to any consumer reporting agency, and any communications between your organization and third parties regarding this account. Failure to preserve such documentation will be considered evidence of spoliation. 
Reservation of Rights : I expressly reserve all legal rights and remedies. Nothing in this letter is intended to be, nor shall be construed as, a settlement offer or waiver of any rights. 
Respectfully, ( signed ) XXXX XXXX XXXX

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