Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13285845
Incorrect Identity Information on Credit Report Resolved with Non-Monetary Relief
Complaint Overview
Complaint ID: 13285845
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 belongs to someone else
State: Washington
ZIP Code: 99350
Date Received: 2025-04-30T12:00:00-05:00
Date Sent to Company: 2025-05-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: low
The risk is low as the issue was resolved with non-monetary relief, indicating no direct financial loss to the consumer.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 13285845 was filed against CITIBANK, N.A. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer reported incorrect information on their credit report, stating that information belonging to someone else was present, and the issue was closed with non-monetary relief. The complaint was received on April 30, 2025 from Washington. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Legal Context & Consumer Protection Laws
Fair Credit Reporting Act (FCRA) regulations govern the accuracy and privacy of consumer credit information.
Regulatory Insight
Credit bureaus must investigate disputes and correct inaccurate information, which may involve non-monetary actions like updating records.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
The complaint originated in Washington state.
Industry Comparison
This is a common issue in the credit reporting industry, often resolved through dispute processes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13285845 about?
CFPB complaint 13285845 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Information belongs to someone else". This complaint was filed against CITIBANK, N.A. on April 30, 2025.
Which company is complaint 13285845 filed against?
Complaint 13285845 was filed against CITIBANK, N.A.. You can view all complaints against this company on their profile page at /company/citibank-n-a.
What was the company's response to complaint 13285845?
CITIBANK, N.A. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 13285845 filed?
Complaint 13285845 was received by the CFPB on April 30, 2025. It was sent to CITIBANK, N.A. on May 1, 2025.
What state was complaint 13285845 filed from?
Complaint 13285845 was filed from Washington. You can view all complaints from this state at /state/WA.
Was the consumer satisfied with the resolution of complaint 13285845?
Dispute information is not available for complaint 13285845.
What product category is complaint 13285845 about?
Complaint 13285845 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 13285845 submitted?
Complaint 13285845 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 13285845?
Fair Credit Reporting Act (FCRA) regulations govern the accuracy and privacy of consumer credit information. This relates to a Credit reporting or other personal consumer reports complaint against CITIBANK, N.A. involving "Incorrect information on your report".
How likely is complaint 13285845 to be resolved?
Resolution likelihood: unlikely. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 13285845?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating no direct financial loss to the consumer.
What regulatory actions apply to complaint 13285845?
Credit bureaus must investigate disputes and correct inaccurate information, which may involve non-monetary actions like updating records. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 13285845?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 13285845?
The complaint originated in Washington state. This complaint was filed from Washington.
How does complaint 13285845 compare to industry norms?
This is a common issue in the credit reporting industry, often resolved through dispute processes.
What constitutes 'non-monetary relief' in credit reporting disputes?
Non-monetary relief typically involves the correction of inaccurate information on the credit report, such as removing incorrect accounts or personal details, without any financial compensation.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.