Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12501035
Complaint Overview
Complaint ID: 12501035
Company: Citibank, N.A.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information is missing that should be on the report
State: Georgia
ZIP Code: 30019
Date Received: 2025-03-15T12:00:00-05:00
Date Sent to Company: 2025-03-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear CFPB, I am filing an escalation complaint against Citibank ( CBNA ) due to their failure to properly investigate my dispute regarding inaccurate charge-off reporting on my credit report. Details of the Complaint : Account Number : Ending in XXXX Charge-Off Reported : XX/XX/XXXX Inaccuracy : My credit report shows repeated charge-offs ( CO ) for multiple months in XXXX and XXXX, which violates the Fair Credit Reporting Act ( FCRA ). A charge-off can only be reported once, and it is inaccurate to list it multiple times as a recurring event. The payment history also shows late payments after the charge-off date, which is factually incorrect since an account can not accrue new late payments after being charged off. Companys Response to My Initial Complaint : Citibank responded on XX/XX/XXXX, claiming that their reporting is accurate. However, they failed to address the FCRA violation regarding the repeated charge-off entries. They provided account statements but did not explain why they are reporting multiple charge-offs over several months. Requested Resolution : 1. Require Citibank to provide a full justification for reporting multiple charge-offs or demand that they correct this inaccurate reporting immediately. 2. If Citibank can not justify this reporting practice, CFPB should order the removal of the duplicate charge-off entries. 3. Ensure Citibank complies with FCRA regulations, which prohibit duplicate negative reporting. Attachments : Copy of my credit report, highlighting the duplicate charge-off entries. Previous correspondence with Citibank, where they failed to address the reporting error. Proof of identity I request that the CFPB investigate Citibanks failure to verify their reporting and take appropriate action to correct the inaccuracy. Thank you for your time and assistance in resolving this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #12501035 about?
Complaint #12501035 was filed against Citibank, N.A. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-03-15T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Citibank, N.A.?
Yes, visit the Citibank, N.A. company profile at readthecomplaint.com/company/citibank-n-a to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.