Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4570242
Complaint Overview
Complaint ID: 4570242
Company: Citibank, N.A.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Was not notified of investigation status or results
State: New York
ZIP Code: 11214
Date Received: 2021-07-22T12:00:00-05:00
Date Sent to Company: 2021-07-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor. I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format formateignoring to report. Dsnb Macys Account ID : XXXX The account is incomplete. The complete and itemized listing of the dates for these accounts was never provided. I am having trouble getting them from the original creditor. Inaccurate Information. Section 623 ( a ) prohibits furnishers from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. Duty to Correct and Update Information. A furnisher that regularly furnishes information to CRAs is also required to notify a CRA if it has determined that previously furnished information is not complete or accurate and to correct that information. If a financial institution that extends credit and regularly furnishes information to a nationwide CRA furnishes negative information to the CRAs about a consumer credit extension, it must provide a clear and conspicuous written notice to the consumer indicating that it furnished negative information to the CRAs. The notice must be provided to the consumer no later than 30 days after furnishing the negative information. If the furnisher determines that the information it provided was incomplete or inaccurate, it must notify all nationwide CRAs to which the information was furnished of its findings.26 Finally, if the furnisher determines that the disputed information is inaccurate or incomplete or can not be verified, the furnisher must promptly modify or delete the information or permanently block the reporting of that information. ( Furnishers ' Investigation of Disputes Filed with CRAs : 623 ( b ) ) Please see attached documents of proof of me sending the letter to the agencies. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates XXXX. It is very serious that you please investigate and resolve as this is injurious to my character and is obstructing my potential to obtain mortgage.
Frequently Asked Questions
What is Complaint #4570242 about?
Complaint #4570242 was filed against Citibank, N.A. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2021-07-22T12:00:00-05:00.
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 reporting, credit repair services, 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.