Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13962967
Complaint Overview
Complaint ID: 13962967
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: Problem with personal statement of dispute
State: California
ZIP Code: 91941
Date Received: 2025-06-08T12:00:00-05:00
Date Sent to Company: 2025-06-08T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Subject : Formal Complaint Request for Investigation and Deletion of Fraudulent Account from Credit Report To Whom It May Concern, I am writing to formally dispute and request the immediate removal of a fraudulent account from my XXXX credit report. The account in question is : Creditor Name : CITICARDS CBNA XXXX Account Number : XXXX This account appears only on my XXXX report and is not present on my XXXX or XXXX reports. I did not apply for this credit card, nor did I authorize the opening of this account. In accordance with the Fair Credit Reporting Act ( FCRA ), I believe my rights have been violated : 15 U.S.C 1681 Section 602 ( a ) : Affirms every consumers right to privacy with respect to the confidentiality and accuracy of personal financial information. 15 U.S.C 1681b ( Section 604 ( a ) ( 2 ) ) : States that a consumer reporting agency may only furnish a consumer report with written authorization from the consumer. To date, I have not received any documentation or signature proving that I applied for or authorized the opening of this account. I therefore request that Citicards CBNA provide such documentation. If this can not be provided, I demand that the account be removed from my XXXX report immediately. I am a victim of identity theft. Someone has used my personal informationincluding my name, address, and Social Security Numberto fraudulently apply for credit accounts. In many cases, the perpetrator makes initial payments to avoid detection, then defaults, resulting in charge-offs that negatively impact my credit history. I have submitted multiple fraud disputes to my bank and can provide supporting documentation upon request. This ongoing issue has caused significant harm to my credit score and financial well-being. I respectfully request that XXXX conduct a thorough reinvestigation of this account, and that Citicards CBNA validate the account with proper documentation, including my signed authorization. If validation can not be provided, I request the immediate deletion of this account from my XXXX credit report in accordance with the FCRA. Please confirm receipt of this complaint and inform me of the next steps. Sincerely, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX La XXXX, Ca XXXX XXXX XXXX XXXX : XX/XX/year> Last XXXX digits of XXXX : XXXX
Frequently Asked Questions
What is Complaint #13962967 about?
Complaint #13962967 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 2025-06-08T12:00:00-05:00.
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.