Credit card -- Incorrect information on your report -- Complaint #18465078
Citibank Accused of Misreporting Closed Credit Card Status
Complaint Overview
Complaint ID: 18465078
Company: Citibank, N.A.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: New York
ZIP Code: 10451
Date Received: 2025-12-31T12:00:00-05:00
Date Sent to Company: 2026-01-05T12:00:00-05:00
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 is about an account status discrepancy, not a financial loss or identity theft.
Consumer Sentiment: negative
Topics: Credit reporting, Account status, Credit card
AI Analysis
CFPB complaint 18465078 was filed against CITIBANK, N.A. regarding Credit card (General-purpose credit card or charge card), specifically about "Incorrect information on your report". A consumer reported that their credit card account status was incorrectly listed as 'Closed with explanation' on their report by CITIBANK, N.A. The complaint was received on December 31, 2025 from New York. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports and dispute any inaccuracies with the credit bureaus and the credit reporting agency.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers to ensure the accuracy of information provided.
Regulatory Insight
This complaint highlights the importance of accurate account status reporting by credit card issuers to maintain consumer creditworthiness.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
The complaint originates from New York, indicating a potential geographic concentration or specific state-level consumer protection concerns.
Industry Comparison
Credit card companies are generally expected to accurately report account statuses to credit bureaus.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18465078 about?
CFPB complaint 18465078 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Incorrect information on your report", specifically "Account status incorrect". This complaint was filed against CITIBANK, N.A. on December 31, 2025.
Which company is complaint 18465078 filed against?
Complaint 18465078 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 18465078?
CITIBANK, N.A. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18465078 filed?
Complaint 18465078 was received by the CFPB on December 31, 2025. It was sent to CITIBANK, N.A. on January 5, 2026.
What state was complaint 18465078 filed from?
Complaint 18465078 was filed from New York. You can view all complaints from this state at /state/NY.
Was the consumer satisfied with the resolution of complaint 18465078?
Dispute information is not available for complaint 18465078.
What product category is complaint 18465078 about?
Complaint 18465078 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 18465078 submitted?
Complaint 18465078 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 18465078?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers to ensure the accuracy of information provided. This relates to a Credit card complaint against CITIBANK, N.A. involving "Incorrect information on your report".
How likely is complaint 18465078 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 18465078?
This complaint is rated as low risk. The risk is low as the complaint is about an account status discrepancy, not a financial loss or identity theft.
What regulatory actions apply to complaint 18465078?
This complaint highlights the importance of accurate account status reporting by credit card issuers to maintain consumer creditworthiness. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 18465078?
Consumers should regularly review their credit reports and dispute any inaccuracies with the credit bureaus and the credit reporting agency.
Are there state-specific protections for complaint 18465078?
The complaint originates from New York, indicating a potential geographic concentration or specific state-level consumer protection concerns. This complaint was filed from New York.
How does complaint 18465078 compare to industry norms?
Credit card companies are generally expected to accurately report account statuses to credit bureaus.
What steps should a consumer take if they believe their credit report contains incorrect information about an account status?
The consumer should first dispute the inaccuracy directly with the credit reporting agency (e.g., Equifax, Experian, TransUnion) and also notify the credit card issuer (CITIBANK, N.A.) of the error.
Under what circumstances can a credit card account be reported as 'Closed with explanation'?
This status typically indicates the account was closed by either the consumer or the issuer, and there might be a specific reason or condition associated with the closure, such as a balance payoff, a default, or a policy change.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.