Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
Failure to Investigate Dispute Regarding Closed XXXX Account Ending in XXXX FCRA Violations XXXX Dispute XXXX # : XXXX To Whom It May Concern, I am filing a formal complaint against XXXX  for its failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, in relation to a disputed item on my credit report. 

I have submitted a dispute regarding the inaccurate reporting of an XXXX account ending in XXXX, which has been closed. Despite this, XXXX continues to inaccurately report the account as an open revolving account. 

Details of the Dispute : Creditor : XXXX Account Number ( Last XXXX Digits ) : XXXX Status : Revolving XXXX  Dispute Confirmation Number : XXXX Nature of the Dispute : I notified XXXX  that this account is no longer active and should be reported as closed, not as a currently open or revolving line of credit. I submitted this dispute along with supporting documentation, and XXXX  has failed to update or correct the information. 

Violations : XXXX  's handling of this matter constitutes violations of several provisions under the FCRA, including : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation of the disputed information.

15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Failure to promptly delete or modify the incorrect information after reinvestigation.

15 U.S.C. 1681n and 1681o : Willful or negligent noncompliance with FCRA requirements. 

Harm Caused : This inaccurate reporting is materially misleading. It negatively impacts my credit utilization ratio and overall credit profile, which can result in higher interest rates, denial of credit, and other financial consequences. 

Legal Violations Involved : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681s-2 ( a ) : Furnishing inaccurate or incomplete information to CRAs 1681s-2 ( b ) : Failure to investigate disputes and correct errors 1681e ( b ) : Failing to maintain accuracy of consumer information 2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. ( if applicable to third-party collections ) 1692e : Misrepresentation of the debt 1692g : Failure to validate the debt upon request 3. Gramm-Leach-Bliley Act ( GLBA ) Failure to safeguard personal financial information XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) Failure to properly handle and delete consumer data upon request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( if applicable ) Noncompliance with consumer requests to delete personal information 6. Consumer Financial Protection Act ( Title X of the Dodd-Frank Act ) Unfair, deceptive, or abusive acts or practices ( UDAAP ) Consequences for Noncompliance : If these violations continue, XXXX, Citi, and XXXX may be subject to : Statutory damages of up to {$1000.00} per FCRA violation Actual damages due to credit harm, denied loans, or higher interest rates Punitive damages for willful noncompliance ( under 15 U.S.C. 1681n ) Civil penalties under state privacy laws Potential class action exposure if others are similarly affected

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