Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Balance Reporting : {$4800.00} Reason : Furnishing inaccurate information, failure to validate, failure to conduct lawful reinvestigation, FCRA violations SUMMARY OF ISSUE I am filing this complaint because Citibank/Citicards CBNA is reporting inaccurate, inconsistent, and unverified information across all three consumer reporting agencies, and they have failed to provide validation after multiple written disputes mailed directly to the company. 

There are MAJOR reporting discrepancies between XXXX, XXXX, and XXXX. The tradeline displays different status codes, different remarks, different payment histories, and different last activity dates. 

DOCUMENTED DISPUTES SENT TO CITI ( ATTACHED ) 1. Written Dispute Method of Verification Request ( XX/XX/XXXX ) Included in Proof XXXXXXXX XXXX ( pages XXXX ). 
This letter disputes the accuracy and requests verification under 15 U.S.C. 1681i ( 7 ).

Citi never responded.

2. Final Demand Failure to Validate ( XX/XX/XXXX ) Included in XXXX XXXX ( XXXX ) .pdf, pages XXXX. 
This letter cites violations under FDCPA and FCRA and requests full validation or deletion. Citi did not provide any of the required documentation, including : Signed application Billing history Charge-off ledger Ownership records Validation of the balance CURRENT REPORTING VIOLATIONS ( XX/XX/XXXX ) XXXX  Violations XXXX  reports : Status : OPEN Status : In Good Standing Status : Collection/Charge-Off Remark : Consumer Disputes After Resolution Different last activity date ( XX/XX/XXXX ) A tradeline can not legally be : Open In Good Standing Charged Off all at the same time. 

This is textbook FCRA 1681e ( b ) violation ( maximum possible accuracy ). 

XXXX  Violations XXXX  shows : Status : Charge-Off / Closed Remark : Dispute Resolved Consumer Disagrees Different months reviewed ( XXXX versus XXXX  XXXX XXXX Different last activity date ( XX/XX/XXXX ) Contradicting XXXX  data proves the account is not verifiable. 

XXXX  Violations XXXX  shows : Charge-Off Different number of months reviewed Missing payment history entries Different remark codes Across all three bureaus, NO TWO REPORTS MATCH.

This is a violation of : FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( furnisher can not report inaccurate information ) FCRA 1681e ( b ) ( maximum possible accuracy ) FCRA 1681i ( failure to reinvestigate ) SUMMARY OF LEGAL VIOLATIONS FCRA 1681s-2 ( a ) ( 1 ) ( A ) Citi is reporting inaccurate and inconsistent information across bureaus.

FCRA 1681e ( b ) They failed to ensure maximum possible accuracy.

FCRA 1681i Upon receiving my disputes, Citi failed to : Verify the account Correct inaccuracies Delete unverifiable data Provide any documentation FCRA 1681s-2 ( a ) ( 3 ) The tradeline contains misleading dispute remarks ( Dispute Resolved without ever responding to ME ).

FDCPA 1692g ( b ) ( if Citi is acting as collector ) Furnishing continued even AFTER my validation demands.

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