Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8414836
Complaint Overview
Complaint ID: 8414836
Company: Citibank, N.A.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: New York
ZIP Code: 10469
Date Received: 2024-02-24T12:00:00-05:00
Date Sent to Company: 2024-03-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
MACYS/CBNA XXXX XXXX XXXX XXXX XXXX OH XXXX Dear Sir/Madam, I am writing to dispute a hard inquiry that appears on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an investigation into the validity of the inquiry and its compliance with FCRA regulations. MACYS/CBNA. ( " Miscellaneous Department and Variety Stores '' ) on date XX/XX/year>. I believe that this hard inquiry was made without permissible purpose or without my consent, which violates my rights under the FCRA. According to FCRA Section 604, inquiries into my credit report must have a permissible purpose and must be initiated with my consent. I have not authorized this inquiry, nor do I have any association with the company listed.Furthermore, FCRA Section 611 requires that inaccurate or unverifiable information be promptly corrected or removed from my credit report. Since this inquiry was made without my consent and does not reflect any legitimate credit activity on my part, it is both inaccurate and unverifiable.I am hereby requesting that [ Credit Bureau Name ] investigate this matter and provide documentation verifying the legitimacy of the hard inquiry. If no such documentation can be provided, I request that the inquiry be promptly removed from my credit report in accordance with FCRA regulations.Enclosed are copies of relevant documents supporting my claim, including [ list any supporting documents, if applicable ] .Please provide written notification of the results of your investigation and any actions taken to address this dispute within the timeframe specified by FCRA Section 611.Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #8414836 about?
Complaint #8414836 was filed against Citibank, N.A. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-02-24T12:00:00-05:00.
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 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.