Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing this complaint to report Citibank , N.A . 's ongoing violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding the continued reporting of a fraudulent account to XXXX and XXXX despite its verified removal from XXXX following an identity theft investigation. The account in question is as follows : Account Name : Citicards CBNA Account Number : XXXX This account was the result of identity theft, and I have provided all required documentation, including : FTC Identity Theft Report ( Report Number : XXXX ) Police Report Proof of Identity Despite XXXX 's compliance with the FCRA by permanently deleting the account from my credit report, Citibank continues to unlawfully report this account to XXXX and XXXX, causing significant harm to my credit profile. I previously filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), but Citibanks response was insufficient and did not resolve the issue. 

FCRA Violations by Citibank Section 605B ( 15 U.S.C. 1681c-2 ) Blocking of Information Resulting from Identity Theft : After receiving notice of identity theft, Citibank is required to instruct all credit reporting agencies to block the fraudulent account from my credit reports. The continued reporting of this account to XXXX and XXXX is a direct violation of this provision. 

Section 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Prohibition on Reinsertion of Previously Removed Information : Once the account was removed from XXXX, Citibank could not lawfully reinsert the account into other credit bureaus without certified verification of its accuracy. Additionally, I should have been notified within XXXX business days if any reinsertion occurred. No such verification or notification has been provided. 

Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) Furnishers Duty to Report Accurate Information : Citibank is prohibited from reporting information that it knows, or has reason to believe, is inaccurate. Given that XXXX has already verified that this account was fraudulent and removed it, Citibank is knowingly violating this provision by continuing to report the account to XXXX and XXXX. 

Section 623 ( b ) ( 1 ) ( 15 U.S.C. 1681s-2 ( b ) ( 1 ) ) Furnishers Duty to Investigate Disputes : Upon receiving my disputes from XXXX and XXXX, Citibank was legally obligated to conduct an investigation within 30 days and cease reporting the account if it could not be verified. Its failure to do so violates this requirement.

Section 616 ( 15 U.S.C. 1681n ) Civil Liability for Willful Noncompliance : Citibanks deliberate and continued reporting of this fraudulent account constitutes willful noncompliance with the FCRA, entitling me to statutory damages of up to {$1000.00} per violation, as well as punitive damages and attorney fees. 

Timeline of Events XXXX XXXX, XXXX : I submitted identity theft disputes to XXXX XXXX XXXX XXXX and XXXX, including the FTC Identity Theft Report, police report, and proof of identity. 
XXXX XXXX, XXXX : XXXX and XXXX deleted Citicards CBNA from my credit report. 
XXXX XXXX, XXXX : XXXX XXXX Citicards CBNA to my credit report violating requirements to notify me within 5 business days ( which the XXXX is not within that timeframe ). 
XXXX XXXX, XXXX : XXXX XXXX has Citicards CBNA deleted from my credit report. 
XXXX XXXX, XXXX : XXXX XXXX Citicards CBNA to my credit report ( violating the XXXX business days to notify the consumer just as XXXX did ) XXXX XXXX, XXXX : XXXX completed their investigation and permanently removed Citicards CBNA as of XX/XX/XXXX when I opened the Dispute Results from XXXX that they sent via XXXX. 
XX/XX/XXXX : I received a " Remedying the Effects of Identity Theft '' prepared by the CFPB letter ( which is odd because you would think they would send that first in XXXX ) XXXX XXXX, XXXX : I submitted identity theft disputes to XXXX and XXXX XXXX, including the FTC Identity Theft Report, police report, and proof of identity via Certified Mail XXXX XXXX, XXXX : XXXX and XXXX received my disputes via certified mail. 
XXXX XXXX, XXXX : I received a letter from XXXX stating that they needed XXXX forms of Identification ( another violation and delay tactic ), which I have documented proof I sent to all three credit bureaus back in XXXX and XXXX via XXXX Mail which I will upload. XXXX also sent another letter same day stating that they have already disputed the item above at least twice within the last XXXX days and that they consider this dispute frivolous and will not research this dispute. 
XXXX XXXX - XXXX : Citibank continues to report the fraudulent account to XXXX and XXXX despite XXXX  verification and removal. This ongoing reporting has negatively impacted my credit score and delayed my ability to secure a mortgage.

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