Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have informed XXXX XXXX XXXX XXXX that XXXX debt is not mine. However, they have failed to take any action. 

I am writing to formally request the removal ( blocking ) of fraudulent information from my credit report pursuant to XXXX XXXX. XXXX, a provision of the Fair Credit Reporting Act ( FCRA ), which pertains to identity theft. This letter serves as a formal demand to permanently block this inaccurate and unverified tradeline under the XXXX granted to me by XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ). This account was taken out as a result of identity theft. The FTC has been notified. 

The following information on my credit report is the result of identity theft and should be blocked from my file : Creditor Name : [ XXXX, XXXX XXXX XXXX. Resurgent, XXXX XXXX ] Account Number : [ # XXXX ] Date Opened : [ unknown ] Reason for Dispute : Account opened fraudulently without my knowledge or consent. Therefore it does not belong to me. Furthermore, I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


I am requesting that you : XXXX the above account ( XXXX ) from my credit file immediately. 
Refrain from reporting this information to any XXXX XXXX ( and specifically XXXX ). 
Provide me with written confirmation that this information has been removed or blocked XXXX XXXX XXXX XXXX 

Under XXXX XXXX. XXXX, you are required to complete this request within XXXX ( XXXX ) business days of receiving all necessary documentation. Please confirm in writing when the information has been removed or if further information is needed. 



XXXX. Disputed Account and Timeline of Events I initially disputed the XXXX XXXX account with XXXX XXXX XXXX XXXX. Both XXXX XXXX XXXX properly removed the account. However, XXXX XXXXas failed to do so, in direct violation of my rights under the FCRA. 

In XX/XX/year>, I submitted a direct dispute and debt validation request to XXXX XXXX, explicitly requesting evidence of the debt, including a signed original agreement. In response, I received only an account summary, which is not sufficient to validate the debt under XXXX XXXX. XXXX. I made clear that I do not recognize this debt and dispute the accuracy and ownership of the account. To date, they have refused to provide proof of indebtedness, contract, or any document bearing my signature. 



XXXX. XXXX XXXX XXXX XXXX. XXXX ( Blocking of Information Resulting from Identity Theft ) Under XXXX U.S.C. XXXX, I am exercising my right to request the permanent blocking of any information XXXX XXXX XXXX XXXX  that results from identity theft, fraud, or unverifiable claims. The law provides that : A XXXX XXXX XXXX XXXXhall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the receipt of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Accordingly, I am providing the following : Identification of the disputed account : XXXX XXXX XXXX Account XXXX XXXXXXXX Statement : I declare under penalty of perjury that the XXXX XXXX  account does not belong to me, and I did not authorize any such account or transaction. 
Proof of Identity : Attached ( copy of government-issued ID ) FTC Identity Theft Affidavit or police report : [ taken to CFPB website since this is a XXXX collection issue ] Given the facts and statutory framework, you are required to block the reporting of this account within XXXX ( XXXX ) business days of receipt of this request. 



XXXX. Failure to Investigate XXXX XXXX. XXXX I also reiterate my demand under XXXX XXXX. XXXX ( a ) that you conduct a reasonable reinvestigation of this disputed tradeline. XXXX  has so far failed to do so. I attempted to dispute the account via telephone on multiple occasions, but representatives either disconnected the call or failed to initiate a proper dispute, further violating my consumer rights. 



XXXX. Regulatory Escalation and Complaint Filed On XX/XX/year>, I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against both XXXX  and XXXX XXXX XXXX, regarding this ongoing misconduct. Per CFPB protocol and FCRA, both entities are required to respond within XXXX days. As of today, XX/XX/year>, I have received no resolution, no verification, and no acknowledgment. 



XXXX. Demand for XXXX XXXX XXXX to XXXX XXXX. XXXX, XXXX XXXX. XXXX, and XXXX XXXX. XXXX, I demand the following : XXXX. Permanent blocking and deletion of the XXXX XXXX account from XXXX XXXX XXXX  ; XXXX. Written confirmation of the blocking action within the required XXXX business days ; XXXX. A full report of any reinvestigation results, and copies of any documents used to verify the debt, if any ; XXXX. A record of all parties who have accessed this tradeline in the past XXXX months under XXXX XXXX. XXXX ( a ) ( XXXX ). 



XXXX. Notice of Legal Intent If XXXX CFPB, or XXXX XXXX XXXX  fails to comply with its duties under the above statutes, I reserve the right to take legal action against your agency for willful and negligent noncompliance under XXXX U.S.C. XXXX and XXXX, including actual XXXX XXXX XXXX XXXX XXXX XXXX  attorneys fees

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 explanation