Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #7187066
Complaint Overview
Complaint ID: 7187066
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 status incorrect
State: California
ZIP Code: 93536
Date Received: 2023-07-01T12:00:00-05:00
Date Sent to Company: 2023-07-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
XXXX XXXX XXXX and Macys have reported for years that my previous credit card status currently has a balance and late. Both companies closed my accounts, the accounts were paid in full, likewise, I havent missed a credit card payment in 5 years. After speaking with Macys regarding a late payment, the representative informed me they couldnt detect a late payment yet, a closed account 5 years ago is still reporting as current. My first Macys card was closed because you cant use a XXXX XXXX as a physical mailbox. Another Macys card was acquired and my payments were made on time. I noticed, upon paying the closed account, it would default to the new card, a computer glitch for which Im being held responsible for. I have tried several times to resolve this issue to no avail. XXXX XXXX XXXX closed my XXXX credit card account 5 years ago, and likewise are reporting to the credit bureaus as if this is my current situation. After speaking to a representative XX/XX/2023 I was informed I would have to wait 2 years before my status changed. I continue to bank with XXXX XXXX XXXX, my XXXX XXXX has not incurred a late payment in over 5 years, yet XXXX XXXX XXXX for years is reporting to the credit card bureaus the status of a closed account as if its current. As a result of these inaccuracies, my credit score has dropped almost every month for the past 5 years. Likewise, Im being denied credit cards because of the inaccuracies.
Frequently Asked Questions
What is Complaint #7187066 about?
Complaint #7187066 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 2023-07-01T12:00:00-05:00.
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.