Consumer complaint received 2024-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX -- - XXXX DATE : XXXX Citi CBNA ATTN : FRAUD DEPT./LEGAL DEPT. 

This correspondence is in furtherance of my previous disputes, in which I clarified my position as a victim of identity theft and requested that all fraudulent activity not be reported against me. 
From XX/XX/XXXX, through XX/XX/XXXX, I was incarcerated in XXXX XXXX XXXX, ( NO RELATION TO FRAUD CHARGES IN ANY WAY ). During such time, apparently, there was a large amount of fraudulent activity taking place without my knowledge. Prior, I had been in good standing with ALL my credit accounts, never having had a late payment, charge off, collection, or any other type of derogatory item occur on any of my credit reports. 

I followed the law laid out by the FCRA and did as I was supposed to do, and I am shocked and disappointed that after showing clear and valid evidence, and having the fraudulent items removed, that you, CitiBank, would try to reinstate these fraudulent accounts. 


This situation, as disappointing as it is, has led me to the following options. Either you, CitiBank, REMOVE the Fraudulent item remaining reported against my credit report, ( Acct Number : XXXX XXXX ), OR I WILL BE FORCED TO PURSUE LITIGATION AND SEEK DAMAGES FROM THE HARMFUL PRACTICES YOU HAVE TAKEN, IN DIRECT DEFIANCE OF THE LAW. I have filed not only a Legal FTC affidavit, stating my situation, but also I have reported this act of identity theft to the XXXX XXXX Police Department, which not only entitles me to the laws under FCRA 605b 15 U.S.C. 1681c-2, but also under California Code XXXX Civil Code CIV 1785.15, In which states that after receiving the correct information from the consumer, as I had and will again provide, that the fraudulent account must be BLOCKED and REMOVED from my credit report. I have quoted the following texts on the matter : ( 1 ) You have a right to have any information you list on the report as allegedly fraudulent promptly blocked so that the information can not be reported. The information will be unblocked only if ( A ) the information you provide is a material misrepresentation of the facts, ( B ) you agree that the information is blocked in error, or ( C ) you knowingly obtained possession of goods, services, or moneys as a result of the blocked transactions. If blocked information is unblocked, you will be promptly notified. 

I have attached all necessary documents, including my identitytheft.gov Affidavit, my Police Report, and accurate identifying documents. I demand my rights under California and United States law, and if they are not afforded to me, I will be following through with filing litigation against CitiBank CBNA. 


( WORD DOCUMENT VERSION OF THE ABOVE STATEMENT WILL ALSO BE UPLOADED )

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