Credit card -- Improper use of your report -- Complaint #13301036
Unrecognized Credit Inquiries on Credit Report Lead to Consumer Complaint
Complaint Overview
Complaint ID: 13301036
Company: Citibank, N.A.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Connecticut
ZIP Code: 06002
Date Received: 2025-04-30T12:00:00-05:00
Date Sent to Company: 2025-05-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: low
The risk is low as the complaint was closed with an explanation, suggesting the issue may have been resolved or clarified.
Consumer Sentiment: neutral
Topics: Credit inquiries, Credit report accuracy, Consumer rights
AI Analysis
CFPB complaint 13301036 was filed against CITIBANK, N.A. regarding Credit card (General-purpose credit card or charge card), specifically about "Improper use of your report". A consumer filed a complaint regarding unrecognized credit inquiries on their report from Citibank, which was closed with an explanation. The complaint was received on April 30, 2025 from Connecticut. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly monitor their credit reports for any unfamiliar inquiries and dispute them immediately with the credit bureau and the creditor.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) grants consumers the right to access their credit reports and dispute inaccuracies, including unauthorized inquiries.
Regulatory Insight
This case highlights the importance of credit bureaus and creditors having robust processes to investigate and explain credit inquiries to consumers.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
The complaint originated in Connecticut (CT).
Industry Comparison
This is a common issue across the credit card industry, where consumers may encounter unfamiliar inquiries due to various reasons.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13301036 about?
CFPB complaint 13301036 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Improper use of your report", specifically "Credit inquiries on your report that you don't recognize". This complaint was filed against CITIBANK, N.A. on April 30, 2025.
Which company is complaint 13301036 filed against?
Complaint 13301036 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 13301036?
CITIBANK, N.A. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13301036 filed?
Complaint 13301036 was received by the CFPB on April 30, 2025. It was sent to CITIBANK, N.A. on May 2, 2025.
What state was complaint 13301036 filed from?
Complaint 13301036 was filed from Connecticut. You can view all complaints from this state at /state/CT.
Was the consumer satisfied with the resolution of complaint 13301036?
Dispute information is not available for complaint 13301036.
What product category is complaint 13301036 about?
Complaint 13301036 is categorized under "Credit card", specifically "General-purpose credit card or charge card". This is one of the product categories tracked by the CFPB.
How was complaint 13301036 submitted?
Complaint 13301036 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 13301036?
The Fair Credit Reporting Act (FCRA) grants consumers the right to access their credit reports and dispute inaccuracies, including unauthorized inquiries. This relates to a Credit card complaint against CITIBANK, N.A. involving "Improper use of your report".
How likely is complaint 13301036 to be resolved?
Resolution likelihood: unlikely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 13301036?
This complaint is rated as low risk. The risk is low as the complaint was closed with an explanation, suggesting the issue may have been resolved or clarified.
What regulatory actions apply to complaint 13301036?
This case highlights the importance of credit bureaus and creditors having robust processes to investigate and explain credit inquiries to consumers. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 13301036?
Consumers should regularly monitor their credit reports for any unfamiliar inquiries and dispute them immediately with the credit bureau and the creditor.
Are there state-specific protections for complaint 13301036?
The complaint originated in Connecticut (CT). This complaint was filed from Connecticut.
How does complaint 13301036 compare to industry norms?
This is a common issue across the credit card industry, where consumers may encounter unfamiliar inquiries due to various reasons.
What steps should a consumer take if they find an inquiry they don't recognize on their credit report?
First, contact the credit bureau that generated the report to dispute the inquiry. Then, contact the creditor that made the inquiry to understand why it was placed on your report.
How can consumers prevent unauthorized credit inquiries?
Regularly review credit reports from all three major bureaus (Equifax, Experian, TransUnion) and consider placing a fraud alert or credit freeze on your report if you suspect identity theft.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.