Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
We would like to bring to your attention that there is no confirmation that the reporting of Date Opened ( XXXX XXXXXXXX ) : XX/XX/XXXX is valid, accurate, or compliant with credit reporting industry standards. We would like to highlight that XXXX has explicitly stated that any deviation from these standards results in deficient reporting, and any claims must be removed until they can be proven to be compliant with legal requirements. We must emphasize that this action must be taken regardless of any evidence of misapplication, willful ignorance, or negligence in reporting practices. As such, any deviations, such as those listed below, should be considered sufficient grounds for the removal of the claim ( s ) from reporting. We would appreciate your prompt attention to this matter, ensuring adherence to all ethical and legal reporting practices. 
I would like to bring to your attention the inconsistency in the reporting of High Credit ( XXXX ) : {$1900.00} across the three credit reporting agencies. Upon further examination, this reporting appears to be non compliant with the established XXXX 's reporting standards and raises concerns regarding the accuracy, completeness, and compliance of the reporting. Specifically, this field suggests that this item of reporting may potentially be an issue with reporting accuracy and compliance standards. It is imperative that we address this matter with urgency to ensure that the reported information is truthful, accurate, and fully compliant with all mandates for ethical and lawful reporting. 
We would like to bring to your attention that the reporting of XXXX XXXX ( XXXX ) : {$0.00} may not be deemed valid, accurate, or compliant with the established standards of the credit reporting industry. It is imperative to acknowledge that the XXXX has specifically outlined that any deviations from these standards can result in deficient reporting, requiring the removal of the claim ( s ) until they are proven to be compliant with legal requirements. We must stress that this action must be taken, even if there is evidence of misapplication, willful ignorance, or negligence in reporting practices. Therefore, any deviations, as mentioned below, must be regarded as adequate grounds to remove the claim ( s ) from reporting. 
I would like to draw your attention to the Last Reported : XX/XX/XXXXXXXX  mentioned in the report. It seems that the data pertaining to this account is not in line with the established reporting standards of the XXXX, and may be considered inaccurate or inconsistent. I kindly request you to reevaluate the information and provide 2 of 4 evidence of its authenticity, accuracy, completeness ( within the specified timeframe ), verification, and compliance with all relevant requirements. If these criteria are not met, I respectfully request that my profile be removed. 
The Date Last Active ( XXXX ) : XX/XX/XXXXXXXX  has been reported which does not comply with the required reporting standards. 
I kindly wish to draw your attention to the presence of an error in the Date of Last Payment ( XXXX ) : XX/XX/XXXXXXXX  as stated in the report. It has come to my attention that the data pertaining to this account may be erroneous or incoherent with the prescribed reporting norms set forth by the XXXX. I humbly request that you reconsider the matter and provide substantiation for the accuracy, completeness ( within the designated timeframe ), verification, and adherence to all relevant requirements. Should these conditions not be met, I would greatly appreciate the removal of my profile. 
We respectfully wish to highlight that the reporting of 7 Year History : 30 : 0 60 : 0 90 : 0 can not be confirmed as being valid, accurate, or compliant with the standards of the credit reporting industry. It is crucial to note that XXXX has explicitly stated that any departure from these standards would result in deficient reporting, and the claim ( s ) would have to be removed until they can be proven to comply with the legal requirements. This course of action must be taken, irrespective of any evidence of misapplication, willful ignorance, or negligence in reporting practices. Any deviations, such as those

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