Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #17967016
Citibank Accused of Improper Credit Report Use, Case Closed Without Monetary Award
Complaint Overview
Complaint ID: 17967016
Company: Citibank, N.A.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Florida
ZIP Code: 33181
Date Received: 2025-10-31T12:00:00-05:00
Date Sent to Company: 2025-12-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The complaint was closed with non-monetary relief, suggesting the issue was resolved without financial compensation, indicating a lower risk of significant financial or legal repercussions.
Consumer Sentiment: neutral
Topics: Credit reporting, Improper use of report, Consumer protection
AI Analysis
CFPB complaint 17967016 was filed against CITIBANK, N.A. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Improper use of your report". A Citibank customer in Florida filed a complaint regarding the improper use of their credit report, which was closed with non-monetary relief. The complaint was received on October 31, 2025 from Florida. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should carefully review any non-monetary relief offered to ensure it adequately addresses their concerns regarding the use of their credit report.
Legal Context & Consumer Protection Laws
This case falls under the Fair Credit Reporting Act (FCRA), which governs the collection, dissemination, and use of consumer credit information.
Regulatory Insight
The closure with non-monetary relief suggests the reporting company may have taken corrective actions or provided explanations that satisfied the consumer or regulatory body, without admitting fault.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
In Florida, consumer protection laws may offer additional recourse, but the outcome here suggests a resolution was reached within the existing federal framework.
Industry Comparison
Improper use of credit reports is a common issue across the financial industry, with varying outcomes depending on the specifics of the case and the resolution process.
Related Issues
Frequently Asked Questions
What is CFPB complaint 17967016 about?
CFPB complaint 17967016 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Improper use of your report", specifically "Reporting company used your report improperly". This complaint was filed against CITIBANK, N.A. on October 31, 2025.
Which company is complaint 17967016 filed against?
Complaint 17967016 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 17967016?
CITIBANK, N.A. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 17967016 filed?
Complaint 17967016 was received by the CFPB on October 31, 2025. It was sent to CITIBANK, N.A. on December 11, 2025.
What state was complaint 17967016 filed from?
Complaint 17967016 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 17967016?
Dispute information is not available for complaint 17967016.
What product category is complaint 17967016 about?
Complaint 17967016 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 17967016 submitted?
Complaint 17967016 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 17967016?
This case falls under the Fair Credit Reporting Act (FCRA), which governs the collection, dissemination, and use of consumer credit information. This relates to a Credit reporting or other personal consumer reports complaint against CITIBANK, N.A. involving "Improper use of your report".
How likely is complaint 17967016 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 17967016?
This complaint is rated as low risk. The complaint was closed with non-monetary relief, suggesting the issue was resolved without financial compensation, indicating a lower risk of significant financial or legal repercussions.
What regulatory actions apply to complaint 17967016?
The closure with non-monetary relief suggests the reporting company may have taken corrective actions or provided explanations that satisfied the consumer or regulatory body, without admitting fault. 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 17967016?
Consumers should carefully review any non-monetary relief offered to ensure it adequately addresses their concerns regarding the use of their credit report.
Are there state-specific protections for complaint 17967016?
In Florida, consumer protection laws may offer additional recourse, but the outcome here suggests a resolution was reached within the existing federal framework. This complaint was filed from Florida.
How does complaint 17967016 compare to industry norms?
Improper use of credit reports is a common issue across the financial industry, with varying outcomes depending on the specifics of the case and the resolution process.
What constitutes 'non-monetary relief' in credit reporting disputes?
Non-monetary relief can include actions like correcting inaccuracies on a credit report, providing a detailed explanation of how the report was used, or agreeing to cease certain reporting practices, without involving a direct financial payout.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.