Consumer complaint received 2026-03-24 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: NJ

Complaint narrative:
Complaint Against : Citibank , N.A . Product : Credit Card / Credit Reporting Issue : Incorrect information on credit report / Failure to investigate -- - I am submitting this complaint regarding Citibanks continued reporting of a disputed account ( XXXX XXXX XXXX account ending in XXXX ), despite multiple violations of the Fair Credit Reporting Act ( FCRA ). # # # Summary of Violations Citibank has failed to conduct a lawful and reasonable investigation and continues to report inaccurate and unverifiable information on my credit file. -- - # # # 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681s-2 ( b ) ) Citibank admits in its response that it relied on disputes submitted through credit reporting agencies rather than conducting a direct and independent investigation. A reasonable investigation requires : - Reviewing original source documents- Verifying contractual liability - Confirming the accuracy of all reported data Citibank failed to provide any such documentation. -- - # # # 2. Failure to Provide Competent Evidence of Contractual Obligation Citibank claims the account was opened electronically but failed to provide : - A signed application - IP logs or authentication records- Proof of authorization for charges Without competent evidence, the account remains unverified and legally disputable. -- - # # # 3. Inaccurate and Potentially Misleading Reporting ( 15 U.S.C. 1681e ( b ) ) The account contains inconsistencies including : - Charge-off timing vs. last payment discrepancies - Balance reporting after charge-off without proper breakdown - Lack of documentation supporting the reported balance Under the FCRA, all reported data must be 100 % accurate and verifiable, which Citibank has failed to demonstrate. -- - # # # 4. Failure to Properly Validate Debt Despite multiple disputes, Citibank has not provided : - Full payment history from account inception - Itemized calculation of the balance - Documentation proving ownership and liability This raises serious concerns regarding the legitimacy of the debt. -- - # # # 5. Continued Reporting After Notice of Dispute Citibank continues to report this account as accurate despite being unable to provide sufficient documentation. This constitutes : - Negligent noncompliance under 15 U.S.C. 1681o - Potential willful noncompliance under 15 U.S.C. 1681n -- - # # # Additional Concern Citibank stated there is no signed application available because the account was opened electronically. This directly undermines their ability to prove contractual liability and raises serious concerns regarding identity verification and account authorization. -- - # # Requested Resolution I am requesting the following : 1. Immediate deletion of this account from all credit reporting agencies 2. Written confirmation of deletion 3. A complete record of all documents used in their investigation -- - # # Notice of Escalation If this matter is not resolved, I will pursue additional actions including : - Filing complaints with the Federal Trade Commission ( FTC ) - Filing with my State Attorney General - Exploring civil liability for damages under federal law -- - Citibank is required by law to report only information that is accurate, complete, and verifiable. They have failed to meet this standard. I am requesting immediate intervention and enforcement action. -- - 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 explanation