Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
Re : FCRA 623 Furnisher Dispute Inaccurate, Incomplete, or Unverifiable Data ; Metro-2 Violations ; Demand for Verification ; Legal Notice Creditor : Best Buy / CBNA XXXX  File # : XXXX XXXX  To Whom It May Concern : This letter serves as a formal furnisher dispute under FCRA 623 ( a ) and 623 ( b ) regarding the Best Buy / CBNA account you are furnishing to Experian.

The account contains inaccurate, incomplete, and nonMetro-2-compliant information that appears to have been verified without proper documentation.

I dispute this tradeline in its entirety.

________________________________________ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - SECTION 1 DEMAND FOR VERIFICATION & DOCUMENTATION ( 623 ( b ) ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Citibank must provide : 1. The original signed Best Buy / CBNA credit agreement Not a template the actual contract with my wet-ink signature.

2. Complete transaction and payment history Including : All payments Late fees Adjustments Interest calculations Ledger entries Any internal account notes 3. Evidence supporting the Date of First Delinquency ( DOFD ) XXXX  reporting suggests DOFD may be incorrect or missing. 4. Proof of your legal right to furnish/collect this data Produce all docu
mentation showing : Ownership Assignment Transfer Securitization ( if applicable ) If you can not provide this documentation the account is unverified and must be deleted. 
________________________________________ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- SECTION 2 METRO-2 COMPLIANCE AUDIT DEMAND ( FCRA 607 ( b ) ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The Best Buy / CBNA account contains Metro-2 inconsistencies including : Incorrect late payment status reporting Payment history inconsistent with ledger behavior DOFD missing, incorrect, or misaligned Incorrect status or special comment codes Inconsistent last updated dates Under FCRA 607 ( b ) and Metro-2 Format Specifications, consumers are entitled to : Accurate Complete Fully verifiable reporting.

Any Metro-2 inconsistency requires deletion if not corrected.

________________________________________ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - SECTION 3 FAILURE TO MEET FURNISHER DUTIES ( 623 ( a ) ( 3 ) ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Once a consumer disputes an account, furnishers must : Mark the account as disputed Investigate all disputed information Review all relevant evidence Cease reporting inaccurate information Update ALL CRAs with corrected data If Citibank fails to do so, it is in willful violation of FCRA 616617.

________________________________________ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - SECTION 4 INDICATION OF REPORTING IRREGULARITIES -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The following issues appear in this tradeline : Payment performance reporting conflicts with ledger history Status dates appear to be shifted DOFD reporting does not align with standard aging Metro-2 codes do not match the accounts documented lifecycle This constitutes unlawful reporting behavior and invalidates the tradelines accuracy. 
________________________________________ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - SECTION XXXX NOTICE OF FEDERAL ACTION IF NOT CORRECTED -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - If this account is not : Verified Corrected Made compliant Or deleted I will file : CFPB complaint FTC complaint Texas Attorney General complaint Federal lawsuit seeking : Statutory damages Actual damages Punitive damages Attorneys fees This is formal notice of my intent to enforce my consumer rights. 
________________________________________ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ________________________________________ Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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