Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am submitting this formal complaint against Citibank , N.A . regarding inaccurate and improper reporting of an alleged account to ChexSystems under my name and Social Security number. The account in question is reported with a balance of {$8000.00} and an alleged closure date of XX/XX/year>, due to suspected fraud activity. I dispute this account in its entirety. 

I was never aware of this account, nor did I authorize its opening or use. I only recently became aware of its existence after discovering it had been reported to XXXX  and credit beaurus. At the time the account was allegedly active, my vehicle had been stolen, and I was experiencing identity-related issues. I had no knowledge that any account existed with Citibank, nor did I receive any notifications, statements, or correspondence informing me of suspicious activity, account usage, or closure. 

Citibanks reporting of this account constitutes inaccurate and unverifiable information, in violation of the Fair Credit Reporting Act ( FCRA ). Reporting an account as fraudulent without properly notifying the consumer, providing documentation, or conducting a lawful and reasonable investigation is both negligent and harmful. 

Under the FCRA, I am asserting my rights under the following provisions : 15 U.S.C. 1681s-2 ( a ) Prohibits furnishers from reporting information they know or should know is inaccurate.

15 U.S.C. 1681s-2 ( b ) Requires a reasonable investigation once a dispute is received. 

15 U.S.C. 1681c-2 ( Section 605B ) Requires blocking of information resulting from identity theft upon proper notification.

15 U.S.C. 1681g Requires disclosure of all information in a consumers file upon request. 

At no point did Citibank notify me of suspected fraud, request verification, or allow me the opportunity to resolve or contest the alleged activity before reporting it to XXXX. This lack of communication and procedural failure directly contributed to the inaccurate reporting now affecting my financial standing. 

I am formally requesting the following actions : Immediate deletion of the Citibank account ( ending in XXXX ) from XXXX, as it resulted from unauthorized and unknown activity. 

Written confirmation that this account has been permanently removed and will not be reinserted. 

Full disclosure of all documentation, including but not limited to : Account opening records Application data ( IP address, device, location, and method of opening ) Any fraud investigation notes Internal communications related to this account Confirmation that I will not be reported, flagged, or blacklisted in XXXX  or any affiliated consumer reporting systems as a result of this incident. 

This situation has caused significant financial harm and emotional distress, particularly as I was completely unaware of the account and had no opportunity to prevent or address the alleged activity. Continued reporting of this inaccurate information may constitute willful noncompliance under the FCRA. 

If this matter is not promptly resolved, I am prepared to escalate this complaint to include regulatory enforcement review and legal remedies. 

Please provide a written response within 15 days of receipt of this complaint. 

Thank you for your immediate attention to this serious 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 explanation