Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5632859
Complaint Overview
Complaint ID: 5632859
Company: Citibank, N.A.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Illinois
ZIP Code: 60067
Date Received: 2022-06-03T12:00:00-05:00
Date Sent to Company: 2022-06-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Citibank is reporting incorrect information as a part of their " free '' XXXX score service. For the past two reporting periods they have reported inaccurate information, showing my credit score dropping significantly ( over 100 points ). Upon contacting them to inquire the reason, they point to the XXXX score as the basis of their score model. However, upon investigation with XXXX, there was no significant change to my XXXX credit score. Re-inquiry with Citibank with the explanation of this lead to no additional help or changes to the score from Citibank. Despite only having accounts with Citibank, and never having any accounts be deliquent or late, they still would not provide rationale as to why their XXXX score was negatively impacted by " late accounts ''. Upon my request to open a dispute for Citibank to investigate, the opening of the dispute was not confirmed via notification to me, nor was the status or supposed resolution of the case communicated.
Frequently Asked Questions
What is Complaint #5632859 about?
Complaint #5632859 was filed against Citibank, N.A. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-06-03T12:00:00-05:00.
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.