Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: PA

Complaint narrative:
To Whom It May Concern, I am writing in direct response to your XX/XX/XXXX letter regarding my formal dispute of the account ending in XXXX. I find your refusal to correct or delete blatantly inaccurate and unlawful credit reporting unacceptable, unethical, and a clear violation of federal law. 

You are hereby notified that this is your final opportunity to correct this matter before I pursue civil litigation and escalate to federal regulatory bodies for enforcement of consumer protections under the Fair Credit Reporting Act ( FCRA ). I am also demanding immediate escalation of this case to a senior compliance officer, legal department representative, or executive manager at Citibank. This matter is not resolved, and your prior template response is not sufficient under law. 



Summary of Citis Violations : Your records show delinquency beginning in XX/XX/XXXX, progressing into 120+ days late by XX/XX/XXXX, yet you report a charge-off in XX/XX/XXXX more than four years later. This is an illegal re-aging of a derogatory tradeline in violation of the following federal laws : FCRA 1681c ( a ) ( 4 ) : Requires that negative items like charge-offs fall off 7 years from the original delinquency date not a re-aged date four years later.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishing of information known to be inaccurate.

FCRA 1681s-2 ( b ) : Requires data furnishers to reasonably investigate disputes and correct or delete inaccurate data within 30 days.

FCRA 1681e ( b ) : Mandates maximum possible accuracy in credit reporting. Your data is neither accurate nor legally compliant. 



You are Also in Violation of Reporting Gaps and Data Suppression You reported no activity from XXXX through XXXX, then inserted a charge-off in XXXX, attempting to manipulate the reporting timeline and distort the aging of this debt. This action is deceptive, misleading, and will be cited in all formal legal actions and regulatory complaints. 



Consequences of Your Inaction Due to your continued refusal to properly update or delete this inaccurate information, I am now facing : Rejection for a federal employment opportunity due to credit issues Denial of mortgage loan applications Financial and emotional hardship impacting my wife and XXXX XXXX XXXX stress and reputational harm Under FCRA 1681n and 1681o, I reserve my right to pursue monetary damages, punitive damages, and attorneys fees for your willful and negligent disregard of federal consumer protection laws.You are formally and finally demanded to take the following actions within 15 calendar days of receiving this notice. Failure to comply will trigger immediate escalation to legal, regulatory, and consumer protection agencies : 1. Immediate Deletion of the Inaccurate XX/XX/XXXX Charge-Off This charge-off date is fraudulently re-aged and illegal under FCRA 1681c ( a ) ( 4 ). 
The original delinquency began in XX/XX/XXXX, and the account should have been charged off no later than 180 days from that point XXXX. 

XXXX. Correction of All Credit Bureau Records You must immediately update XXXX, XXXX, and XXXX to reflect : The accurate date of first delinquency ( DOFD ) : XX/XX/XXXX. 
That the charge-off occurred in XXXX, not XXXX. 
A full and correct payment history timeline without gaps or omissions. 
The XXXX balance as of current if already paid or closed this must also be properly reported. 
Removal of any language or notations that misrepresent the current status of the account. 

XXXX. Removal of All Late Payments from XX/XX/XXXX through XXXX As the charge-off was required by law no later than 180 days past due, all subsequent late payment notations are : Factually and legally invalid, and Unnecessarily punitive and redundant. 

4. Immediate Escalation to a Manager or Senior Compliance Official Your previous responses are insufficient and dismissive. 
This matter must now be escalated to XXXX XXXX, XXXX, or XXXX XXXX. 
You must provide me with the full name, title, and direct contact information of the manager or officer reviewing this matter.

5. Production of Documentation Verifying Each Reported Date Under FCRA 1681i ( a ) ( 1 ) ( A ), you are required to produce : Documentation showing the exact date of first delinquency, When the account was referred for charge-off, and Proof of how and why the XX/XX/XXXX date was applied. 
If this documentation can not be produced, you must delete the account entirely from all credit reports. 

XXXX. Cease and Desist Re-Aging or Re-Reporting This Account in Any Form You are hereby ordered to cease any further attempts to re-age, re-report, or relabel this account on my credit file. 
This includes future updates with new dates that misrepresent the original derogatory status. 

XXXX. Written Confirmation of All Corrections I demand a written statement, on Citibank letterhead, confirming : That corrections have been submitted to the credit bureaus, The original delinquency and charge-off dates being reported, That Citibank will no longer furnish inaccurate data on this account. 

XXXX. Certification of FCRA and Metro 2 Compliance Provide written assurance that your reporting to credit bureaus complies with : Metro 2 format standards and FCRA regulations regarding DOFD and charge-off timelines. 

Credit Bureaus ( XXXX XXXX XXXX ) Final Notice I am also hereby notifying each of the XXXX major credit bureaus that you are now jointly liable if you continue to report this knowingly inaccurate data. I am demanding immediate reinvestigation and correction or deletion of this Citi tradeline as required under FCRA 1681i. 

Failure to comply will result in regulatory complaints and legal action against each bureau for continued reporting of inaccurate information and failure to investigate in good faith.

This letter will be submitted as part of all future regulatory and legal filings. I expect your full response within 15 days from receipt of this letter. 
If you do not comply, I will pursue all available legal remedies to protect my rights. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 explanation