Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
After further review of my accounts with my attorney, I am writing to formally request the deletion of these trade lines from all credit reporting agencies and to cease all collection efforts regarding these accounts due to fraudulent activity associated with their histories. Specifically, I demand that you stop all collection activity, including that of XXXX XXXX XXXX, who have yet to provide the documentation we requested. 

I have discovered that my accounts may have been subjected to unauthorized use, which I believe constitutes fraud. Therefore, I request that Citibank promptly investigate this matter, rectify my credit report, and stop all collection efforts immediately. 

Additionally, I wish to highlight violations of the Truth in Lending Act ( TILA ) as implemented in Regulation Z. Specifically, Citibank has failed to reevaluate and lower the annual percentage rates ( APRs ) for these accounts, contrary to the requirements outlined in section 1026.59 ( a ). Furthermore, I believe that Citibank has not maintained reasonable written policies and procedures for conducting these APR reevaluations, as mandated by section 1026.59 ( b ). 

These actions not only violate TILA but also infringe upon my rights under the Consumer Financial Protection Act of 2010 ( CFPA ), specifically sections 1053 and 1055. 
Given these concerns, I request that you promptly take the following actions : Remove these trade-lines from all credit reporting agencies. 
Cease all collection efforts associated with these accounts. 
Investigate the fraudulent activity linked to these accounts and provide me with a written response detailing your findings and actions taken. 

Additionally, I require a complete history of these accounts, including : How and where each account was opened ( online or in a branch ). 
The process used by Citibank to verify my identity when the accounts were opened. 
The phone number provided during the account opening process. 
Whether Citibank verified my driver 's license or a copy of my Social Security card. 
If the accounts were opened online, I consider this fraudulent activity. 
I expect every detail from the account opening to it's closing. 

Attached is a copy of the CFPB Bureau of Consumer Financial Protection consent order outlining the violations Citibank has faced in the past, which continue to persist. My attorney is fully prepared to file a complaint with the CFPB and pursue other remedies to resolve this situation. 

Please treat this matter with the urgency it deserves. I look forward to your prompt response. Should you require any further information to assist in your investigation, do not hesitate to reach out. 

Citibank sent inaccurate information to buyers when it sold off credit card debt and it also used law firms that altered court documents. Overstated the annual percentage rate in accounts sold to debt buyers. 

Thank you for your attention to this matter.

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