Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17999027
Complaint Overview
Complaint ID: 17999027
Company: Citibank, N.A.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Indiana
ZIP Code: 46235
Date Received: 2025-11-28T12:00:00-05:00
Date Sent to Company: 2025-11-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX -- - Company Being Complained About Citi Cards / Citibank Account ending : XXXX Reporting to : XXXX XXXX XXXX Category : Incorrect Information on Credit Report -- - Complaint Statement Citibank is reporting inaccurate and incomplete information on a credit card account discharged through my XXXX XXXX Bankruptcy. The account shows : Status : Discharged through Bankruptcy XXXX XXXX ( updated XX/XX/year> ) No payment history provided No date of first delinquency reported No charge-off or closure information provided A highest balance of {$700.00} but no balance reporting at discharge Missing terms, monthly payment, recent activity yet still reporting the tradeline as active derogatory history This information is not accurate, not complete, and not verifiable, violating federal reporting standards. -- - Legal Violations FCRA 1681e ( b ) Failure to maintain accuracy FCRA 1681s-2 ( a ) Furnishing information known to be incomplete FCRA 1681i Failure to correct after dispute Bankruptcy Code 524 Discharge injunction A lender can not furnish derogatory or contradictory data after a bankruptcy discharge. -- - Harm Done The incomplete and inaccurate reporting : Suppresses my credit score Causes lenders to believe the account is still derogatory Impacts my creditworthiness unfairly -- - What I Have Already Done I previously disputed with the credit bureaus, and Citibank verified incorrect and incomplete reporting. This constitutes a failed reinvestigation under the FCRA. -- - Requested Resolution I request that CFPB require Citibank to : 1 Remove the account entirely from all credit bureaus OR 2 Update the tradeline to : Closed/Included in Bankruptcy XXXX balance No derogatories after filing Remove unverifiable data ( balance, highest balance, missing history ) Provide written confirmation of compliance. -- - Certification I certify this information is accurate to the best of my knowledge. XXXX XXXX
Frequently Asked Questions
What is Complaint #17999027 about?
Complaint #17999027 was filed against Citibank, N.A. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-11-28T12:00:00-05:00.
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.