Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Formal Dispute and Demand for Reinvestigation Victim of Fraud To Whom It May Concern, I am writing to formally dispute several items listed on my credit report maintained by XXXX. I am a victim of identity theft and fraudulent activity, and despite previous efforts to resolve these issues, they remain improperly reported on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires XXXX to conduct a reasonable reinvestigation of disputed information. 
Information Being Disputed : XXXX XXXX marked as previously in dispute but not resolved appropriately Citicards CBNA contains late payment and excessive utilization inconsistent with my legitimate activity marked as previously in dispute but not resolved appropriately TD - marked as previously in dispute but not resolved appropriately XXXX XXXX XXXX  - marked as previously in dispute but not resolved appropriately XXXX - marked as previously in dispute but not resolved appropriately Other disputed tradelines marked as " Account information disputed by consumer '' remain unresolved without clear updates or reinvestigation results Legal Grounds for My Dispute : According to the recent CFPB complaint against XXXX ( Case No. XXXX ), XXXX  has been found to : Fail to forward all relevant consumer documentation to furnishers Use misleading or vague dispute codes that mischaracterize the dispute Rely exclusively on furnishers ' responses, even when contradictory or unreliable Issue outcome letters that confuse or obscure the result of the reinvestigation These practices directly undermine the purpose and spirit of the FCRA and have materially harmed me by allowing inaccurate and fraudulent information to remain on my report, affecting my credit score and financial opportunities.

My Request : Immediately reinvestigate the accounts listed above in accordance with FCRA 1681i. 

Delete or correct any information that can not be verified as accurate. 

Provide me with a full and detailed outcome report explaining what was changed, updated, or deleted not a generic statement such as Processed. 

Confirm in writing that the disputed information has been removed or accurately corrected. 

Do not reinsert any deleted information without complying with FCRA 1681i ( a ) ( 5 ) ( C ). 

Supporting Documentation : I am enclosing the following to support my claim : A copy of my XXXX credit report dated XX/XX/XXXX Relevant documentation identifying accounts in dispute Proof of identity and address ( photo ID and utility bill ) If this matter is not resolved to my satisfaction within 30 days, I will escalate my complaint to the Consumer Financial Protection Bureau, FTC, and consider legal action for damages under 15 U.S.C. 1681n and 1681o. 

Sincerely, 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