Consumer complaint received 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am filing this complaint against Citibank , N.A . ( Citi ) for failing to conduct a reasonable investigation and for continuing to furnish inaccurate, incomplete, and misleading credit information regarding a Citi credit card account after receiving a valid written dispute. Citis written response to my dispute dated XX/XX/XXXX does not address the disputed inaccuracies and instead constitutes a stall letter, despite the fact that all required identifying and account information was already provided. 
Following Citis response, my latest credit report confirms that the account remains negatively reported on XXXX, with unresolved discrepancies and missing details. XXXX continued reporting after notice demonstrates noncompliance with its duties under the FCRA. 

Account Information as Reported Creditor : Citibank , N.A . 
Account Number : XXXX Account Type : Revolving / Credit Card Date Opened : XX/XX/XXXX Credit Limit / High Balance : {$24000.00} Current Balance : {$0.00} Account Status : Closed Dispute Status : In Dispute Bureau with Continued Negative Reporting : XXXX  Payment Status ( Experian ) : Debt included in or XXXX through Bankruptcy Chapter XXXX, XXXX, or XXXX / Unrated or bankruptcy Comments : Canceled by XXXX XXXX XXXX XXXX XXXX and Failure to Investigate On XX/XX/XXXX, I sent Citi a detailed written dispute identifying specific inaccuracies and inconsistencies in the accounts reporting. My dispute letter included all information necessary to investigate, including my full identifying information, account details, and a clear explanation of the disputed items. 
Citi responded with a letter that did not address the merits of the dispute, did not explain how the information was verified, and did not correct any inaccuracies. Instead, Citi issued a stall letter, effectively delaying compliance while continuing to furnish the disputed information. 
Under the FCRA, a furnisher XXXX not delay or refuse an investigation by claiming insufficient information when a consumer has already provided adequate documentation. Citi never requested additional information, nor did it identify any deficiency in my dispute. 

Continued Inaccurate and Inconsistent Reporting Despite being on notice, Citi continues to furnish information that is internally inconsistent and unverifiable, including : Conflicting Last Activity dates across bureaus Conflicting Last Reported dates, with XXXX  reflecting a recent update while other bureaus do not No Date of Last Payment reported on any bureau Negative bankruptcy-related payment status reported on XXXX  despite a {$0.00} balance and closed status These discrepancies show that Citi is not reporting a single, verified set of facts, but instead furnishing contradictory data that misleads creditors and violates the requirement of maximum possible accuracy.

Violations of the Fair Credit Reporting Act Citis conduct violates, but is not limited to : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known or should be known to be inaccurate 15 U.S.C. 1681s-2 ( a ) ( 2 ) Failure to correct and update information 15 U.S.C. 1681s-2 ( b ) ( 1 ) Failure to conduct a reasonable investigation after notice of dispute 15 U.S.C. 1681i ( a ) ( 1 ) ( by implication through reinvestigation standards ) Prohibition on ignoring a valid dispute A stall letter does not satisfy Citis statutory duty to investigate.

Consumer Harm As a direct result of Citis continued noncompliance : My XXXX  credit file continues to reflect a negative account despite a zero balance My creditworthiness is unfairly impaired I am exposed to adverse lending and underwriting decisions I am deprived of my right to accurate credit reporting This harm is ongoing.

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