Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX Subject : XXXX XXXX XXXX XXXX for Violations of the Fair Credit Reporting Act Accounts : XXXX  XXXX ending in XXXX XXXX ending in XXXX XXXXXXXX XXXX XXXX XXXX XXXX Citicards ending in XXXX To Whom It May Concern, I am filing this formal complaint against XXXX XXXX XXXX XXXX XXXX for its failure to accurately report my credit information and conduct a proper reinvestigation of my dispute, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Nature of the Complaint XXXX has reported inaccurate and misleading information regarding my XXXX  XXXX account ending in XXXX, XXXX XXXX ending in XXXX, XXXX XXXX  ending in XXXX, Citicard ending in XXXX on my XXXX credit report dated XX/XX/year>. Despite my previous dispute, XXXX has failed to correct these inaccuracies, violating my rights under the FCRA. The errors include : Incorrect charge-off status that does not accurately reflect my account history.

Erroneous payment history listing severe delinquency ( e.g., 60, 90, 120, and 150-day past-due notations ), despite my disputes.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a reasonable reinvestigation of disputed information within 30 days. However, XXXX has failed to properly review my dispute, disregarded evidence I provided, and has continued to report incorrect information. 
Equifaxs Violations of the FCRA The Consumer Financial Protection Bureau ( CFPB ) has recently taken enforcement action against XXXX for widespread violations of the FCRA. On [ Insert Date ], the CFPB fined XXXX {$15.00} XXXX for its failure to properly investigate consumer disputes, reinserting previously deleted errors into reports, and providing misleading dispute resolution letters. The CFPB found that XXXX : Failed to conduct reasonable reinvestigations as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Ignored consumer-provided documentation and evidence when handling disputes ( 15 U.S.C. 1681i ( a ) ( 4 ) ).

Reinserted previously deleted inaccurate information without proper notice, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Used flawed software that miscalculated credit scores, potentially harming consumers ' financial opportunities ( 15 U.S.C. 1681e ( b ) ). 
Provided misleading and contradictory dispute results to consumers, creating confusion and preventing resolution. 
Requested Resolution In accordance with 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), I demand that XXXX immediately : Conduct a thorough reinvestigation of my dispute, including a review of all supporting documentation.

Correct or delete any inaccurate, incomplete, or unverifiable information regarding my XXXX XXXX account. 
Provide a detailed written response explaining the reinvestigation findings, as required under XXXX5 U.S.C. 1681i ( a ) ( 6 ).

Ensure that previously disputed information is not reinserted unless it meets the FCRAs verification standards.

Failure to comply with the FCRA may result in legal action, including statutory damages under 15 U.S.C. 1681n and 15 U.S.C. 1681o, as well as further CFPB oversight and penalties.

I have attached a screenshots of each account dated XX/XX/year> as supporting evidence. I expect a response within 30 days, per FCRA regulations. 
Sincerely, XXXX XXXX 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