Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12681448
Complaint Overview
Complaint ID: 12681448
Company: Citibank, N.A.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: New York
ZIP Code: 112XX
Date Received: 2025-03-26T12:00:00-05:00
Date Sent to Company: 2025-03-26T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I filed a dispute on account XXXX, CBNA because this account was not mine. I believe it is a result of identity theft. I provided supporting documentation including my FTC Identity Theft Report and my government issued identification to confirm that the account is unauthorized and does not belong to me. Despite the evidence provided, XXXX failed to follow up with a proper investigation or take corrective action. I was recently notified that the CFPB has filed a lawsuit against XXXX for accepting unreliable information and for failing to notify consumers of dispute results. This situation mirrors my own experience as XXXX has neither removed nor corrected the derogatory remark on my credit report. Notably, this account has been removed from both my XXXX and XXXX reports, but it still remains on my XXXX file. This unresolved issue is affecting my ability to secure suitable housing. I have a XXXX year old XXXX and our current living environment is impacting his health. I am in the process of moving into a healthier home for him and the presence of this inaccurate information is directly undermining our efforts to do so. I respectfully request that this derogatory remark be removed or corrected immediately. XXXX failure to address my dispute violates my rights as a consumer and runs counter to federal laws designed to protect consumers. Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Frequently Asked Questions
What is Complaint #12681448 about?
Complaint #12681448 was filed against Citibank, N.A. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-03-26T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.