Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CITI CARDS/CITIBANK XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Subject : Dispute Regarding Unauthorized Inquiry on my credit report. 

To whom it may concern, I am writing to dispute an unauthorized credit inquiry from CITI CARDS/CITIBANK that is appearing on my credit report dated XX/XX/XXXX. This inquiry was not authorized by me and constitutes a violation of permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

The FCRA strictly limits credit inquiries to instances where there is a permissible purpose, such as my consent or a legitimate business transaction. As I have no account with CITI CARDS/CITIBANK and did not provide authorization for this inquiry, I am requesting its immediate removal from my credit report with all relevant consumer reporting agencies.

Additionally, I am seeking the statutory damages of {$1000.00} for this violation, as allowed under the FCRA. If CITI CARDS/CITIBANK is willing to resolve this matter amicably, I am open to signing a mutual agreement to settle, provided your client does not admit to any wrongdoing in the process. 

To prevent further harm to my credit standing, I ask for the following actions to be taken within 30 days of receiving this letter : 1. Immediate removal of the unauthorized inquiry from all credit reporting agencies.

2. Issuance of the {$1000.00} statutory damages to resolve this matter.

If this matter is not resolved promptly, I am prepared to pursue litigation. Please be advised that should this matter proceed to court, I will seek actual damages in addition to statutory damages.

Furthermore, litigation will incur the following costs : Itemized Litigation Costs Court filing fees : {$400.00} Attorney 's fees : {$7500.00} ( based on a rate of $ XXXX for XXXX hours ) Discovery expenses : {$2000.00} ( including document production and depositions ) Expert witness fees : {$2000.00} ( if necessary for case support ) Travel expenses : {$500.00} ( if required for court appearances ) Additional court costs : {$1000.00} Estimated Total Litigation Costs : {$13000.00} This estimate does not include potential compensatory damages for harm to my credit or punitive damages, which may be awarded by the court.

It is in both parties ' best interest to resolve this matter amicably and avoid unnecessary costs and time.

Please respond to this letter promptly to discuss how we can resolve this matter. Failure to do so may also lead me to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 
I look forward to your swift resolution of this issue. You can contact me by mail at the address listed above. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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