Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Dear Representative, I am writing to formally submit a complaint regarding the handling of my account with Macys ( Account Number : XXXX ). I am seeking monetary relief and corrective actions for several issues that have adversely affected my credit and financial well-being. 

Issues Encountered 1. incomplete Account Ledger : I was not provided with a complete account ledger by mail or email, which I believe is a violation of my right to receive accurate and complete account information.

2. Lack of Notice : I did not receive any notice ( via phone, mail, voicemail, email, or text ) regarding the charge-off on my account.

3. Negative Credit Reporting : Despite the absence of proper notification, negative informationincluding a reported late paymentwas sent to the credit bureaus, causing significant damage to my credit score.

4. Unverified Charge-Off : Upon further investigation, I discovered that the charge-off reappeared on my account. Despite my dispute regarding the validity of this debt, Macys has failed to provide documentation verifying the charge-off or the alleged debt. 

5. Excessive Fees and Credit Denial : I have incurred excessive fees as a result of this situation and have been denied other lines of credit, further exacerbating my financial distress. 

Legal Violations I believe that the actions described above constitute violations of the following consumer protection laws : - Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : The FCRA requires that all information reported to credit agencies be accurate and complete. The failure to provide verified documentation and the subsequent reporting of unverified or disputed information have materially harmed my credit standing.

- Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : The FDCPA mandates that any entity attempting to collect a debt must provide proper validation upon request. The lack of a complete account ledger and appropriate notification regarding my alleged debt violates these provisions.

Requested Actions In light of the above, I respectfully request that the following actions be taken : 1. Immediate Removal of Negative Reporting : Remove all negative account information from my credit reports with all credit reporting agencies.

2. Waiver of Fees and Charges : Waive all late fees and any other charges incurred as a result of the disputed account issues.

3. Monetary Relief : Provide monetary compensation for the significant damage caused to my credit score and overall financial well-being due to these violations.

4. Written Explanation : Require Macys to furnish a written response within 14 days, detailing : - An explanation of why these errors occurred, - The steps that will be taken to rectify the situation, - Confirmation that all unauthorized actions will cease immediately. 

I respectfully request that the CFPB investigate this matter and assist in securing the relief I am entitled to under the applicable laws. 

Thank you for your prompt attention to this complaint. I look forward to your swift response. 

Sincerely, 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