I'm trying to get rid of a Citibank account that was included in a Chapter 7 discharged 3 years ago. I sent the nutcase letter CCRR. They replied as follows: "If you are questioning information reported to the credit bureau by Citibank, please send us a current copy of your credit bureau report showing the item(s) in question along with a letter of explanation. Once this is received, we will investigate and submit any necesary updates to the CRA." Why do I have to send another letter of explanation while the nutcase letter has already stated what I am asking them to do? I need to know what to do from here. Any help would be great.
I got the same bs letter from them once before. February 26, 2003 K. Aberson Citibank (South Dakota), NA P O Box 6241 Sioux Falls, SD 57117-6241 Re: Account Number xxxx Dear Ms. Aberson: On January 27, 2003, CSC (Equifax affiliate) received a request for investigation in regards to the inaccurate reporting of the above referenced account. According to your letter received February 26, 2003, you would not investigate what Citibank is reporting without me going to the expense of obtaining a current credit report and forwarding it to you so that you could see what was being reported. This was absolutely unacceptable, and not my responsibility. Your letter said, â??once this information is received, we will investigate and submit any necessary updates to the credit reporting agenciesâ?. Imagine my further disgust when I received notice of results of this investigation yesterday from CSC. Citibank verified the information they are reporting as true and accurate. Now, since you wouldnâ??t investigate until I sent you my report, how in the world did you verify this inaccurate information? This is a serious violation of the Fair Credit Reporting Act, to wit: § 623. Responsibilities of furnishers of information to consumer reporting agencies [15 U.S.C. § 1681s-2] (a) Duty of furnishers of information to provide accurate information. (1) Prohibition. (A)Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. For the record, I will state my dispute blah blah Be advised, that you have 10 days from the tracked and confirmed delivery of this letter to correct the status of my account with the CRAâ??s. If at that time you have not, I will immediately file complaints with the South Dakota Attorney General, Texas Attorney General, the Better Business Bureau, and any and all regulatory agencies that have responsibility for the enforcement of Section 623 (a) of the FCRA. Further, I will turn this matter over to an attorney for possible additional violations of the FCRA, Texas Business and Commerce Code, and the Texas Finance Code. Sincerely, Mr. Jlynn Although this got their attention. Their response was asinine: We do not delete inquiries. Um, I didn't dispute inquiries. Oh well, I'm about to sue them, so it makes for excellent court fodder
You might want to put it into dispute with the CRAs again before you respond - if it isn't already in dispute.
How should I reply to Kathy Aberson? I saw some postings wrt the same issue where planetfeedback.com was the method utilized. Anyway, I would appreciate any help.
I got the same letter from Citibank twice. The first time they mispelled my name. They recently sold the account to NCO and Citi deleted the account. Now NCO shows up instead.
Re: Re: Citibank replied to Nutcase letter The letter I posted above was my reply. I wonder if K. Aberson is a real person?
