Credit card -- Improper use of your report -- Complaint #18373475
Complaint Overview
Complaint ID: 18373475
Company: Citibank, N.A.
Product: Credit card
Sub-Product: Store credit card
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Mississippi
ZIP Code: 390XX
Date Received: 2025-12-04T12:00:00-05:00
Date Sent to Company: 2025-12-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute the following unauthorized hard inquiries appearing on my XXXX XXXX XXXX XXXX XXXX credit reports. I did not authorize these inquiries, nor did I initiate any application or account that would justify their presence. Therefore, these inquiries do not meet the permissible purpose requirements under the Fair Credit Reporting Act ( FCRA ) 604 ( a ), and must be removed immediately. Unauthorized Inquiries to Be Removed : EXXON/CBNA Inquiry date XX/XX/year> XXXX
Frequently Asked Questions
What is Complaint #18373475 about?
Complaint #18373475 was filed against Citibank, N.A. regarding Credit card specifically about Improper use of your report. It was received by the CFPB on 2025-12-04T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with explanation". 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 card) 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.