Consumer complaint received 2025-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Demand for Debt Validation Fraudulent Accounts To Whom It May Concern : I am writing in response to a notice or collection activity from your office regarding an alleged debt purportedly owed. This letter serves as a formal request for validation and verification of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and related provisions under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

These accounts appear to be fraudulent and unauthorized. I have no contractual relationship with your company regarding this debt. Therefore, I demand that you provide the following documentation before any further communication or collection activity : 1. Proof of your authorization to collect this debt, including your collection license and assignment contract.

2. A complete itemized statement showing how the alleged balance was calculated.

3. A copy of the original signed credit agreement or contract bearing my signature.

4. The full chain of custody and transfer of ownership showing how and when this debt was sold or transferred.

5. Proof of the amount the debt was sold for and the purchase agreement between Citibank and Client Services , Inc .

6. Copies of all correspondence between your company, Citibank, and any credit reporting agencies.

7. A copy of any verification provided to credit bureaus under FCRA 611 ( a ) ( 7 ).

Until you provide complete validation, you must cease all collection activity, including phone calls, letters, or reporting to any credit bureau. Any continued attempt to collect without proper validation will constitute willful violations of federal law.

Suppose you fail to respond within 20 days of receipt of this notice. In that case, I will consider the alleged debt invalid, and I will proceed with filing complaints and legal action for violations of the FDCPA and FCRA, seeking all available remedies, including statutory, actual, and punitive damages. 
Sincerely, XXXX XXXX XXXX. Key Federal Laws They May Be Violating Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) : Furnishing inaccurate or incomplete information to a credit bureau .

15 U.S.C. 1681s-2 ( b ) : Failing to investigate and correct disputed information.

15 U.S.C. 1681i ( a ) : Failing to reinvestigate disputed information upon notice from the consumer.

15 U.S.C. 1681e ( b ) : Failing to ensure maximum accuracy of information in a consumer report.

15 U.S.C. 1681n : Willful noncompliance.

15 U.S.C. 1681o : Negligent noncompliance.

Under the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692e ( 2 ) ( A ) : Misrepresenting the character, amount, or legal status of a debt.

15 U.S.C. 1692e ( 8 ) : Reporting false credit information, including failing to mark a debt as disputed.

15 U.S.C. 1692f : Using unfair or unconscionable means to collect a debt.

15 U.S.C. 1692g ( b ) : Continuing collection without validating the debt after receiving a written dispute.

15 U.S.C. 1692d : Engaging in harassment or abuse during collection

Company response to consumer: Closed with explanation