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Fraudulent Reporting Violates FCRA and FTC AND OCC COMPLAINTS FILED

Posted Tue March 27, 2012 11:50 pm, by Raymond C. written to Citibank N A

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I submitted a dispute for inaccurate reporting of a 2 year old-closed ExxonMobil account that was paid off to Citibank in February 2010 nearly 2 months ago.

To date, i have received nothing but a letter from them stating that the account reporting to all 3 credit bureaus is accurate. I have been denied credit, charged higher interest rates and suffered damages due to their lack of integrity in reporting to the 3 bureaus.

I have disputed to all 3 credit bureaus. All of which have had the account information "verified" by citibank. I have called the ExxonMobil customer Serivce Department on 3 occasions and confirmed that the account was never a collections account which it is now being reported, 2 years after the account was paid off.

After much research, i have reported this issue to the FTC and OCC as Citi is unwilling to respond or assist me with the resolution of this issue.

The next step will be to file suit as i am being denied credit and being offered outrageously increased rates on a new vehicle. This is extremely embarrassing and could have been avoided if Citi had take due diligence to protect my credit score by resolving their negligent reporting immediately.

I am disgusted with their handling of this issue and will notifying the three bureaus of the impending suit, attorney info and further complaints with the FTC and OCC that have been filed. This has gotten to the point of absolute ridiculousness.

Please help to avoid further prolonging of this issue!

5 year old Exxon Mobil Personal Account

Remove the account from all 3 bureaus and contact me asap.
Also, update any negative reporting on this account.


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by Messenger Posted Sat March 23, 2013 @ 9:21 PM

The Mellon family owns all the banks in America. It is their will to
make even more money by stealing from innocent people like you. Obama
works for the family. Do not look to him or his lackeys for Justice.
Nor any help at all. We have one powerful ally in this situation.
His name is, Jesus Christ. We must pray. And we must pray hard.
starting now. These people are anti Christ and we better realize that
Jesus is their only fear.

Thelma Whitehorton
The Messenger of this World


by The Original Nethead Posted Wed March 28, 2012 @ 4:19 PM

I'm having trouble figuring out why the report was inaccurate.
Information is only supposed to be removed from your credit report if
it's wrong. Was this a closed account, or a charge-off due to
nonpayment? It reads like you think you paid off the account and Citi
is reporting it as a charge-off. Was it something else? Your letter
also says it was paid off in 2010 and "two months ago". Was it paid
two years ago or two months?


The way I took it was by MA Bellamy Thu March 29, 2012 @ 11:21 AM

It doesn't even get a reply half the time by The Original Nethead Thu March 29, 2012 @ 11:37 AM

Precisely by MA Bellamy Thu March 29, 2012 @ 1:14 PM

there's the problem. if it went to collections before it was paid off then the mark will be there until 2017 n/t by PepperElf Fri March 30, 2012 @ 12:06 PM

by PepperElf Posted Wed March 28, 2012 @ 3:38 PM

"I submitted a dispute for inaccurate reporting of a 2 year old-closed
ExxonMobil account that was paid off to Citibank in February 2010
nearly 2 months ago. "

This was paid off 2 years ago, or 2 months ago?

And ... even then... if it went to collections before you paid it
off.... it hasn't been seven years yet.

Because as the FTC will also tell you, paying off a debt does NOT
remove it from your credit report. Only time will do that if the
original mark was accurate.


by MA Bellamy Posted Wed March 28, 2012 @ 10:28 AM

Did you submit the dispute to the credit bureaus or directly to Citi?
If you submitted the request direct to Citi, then you probably won't
get the help you need. They are only accountable to requests submitted
though the 3 bureaus, so start there.

Second, what were you disputing? You can only dispute inaccurate
entries, not accounts that were paid and closed (delinquent or
current) that haven't fallen if yet.

You mentioned the account is 5 years old. If you paid it and expected
it would fall off quickly, they don't. Just because an old account is
paid, it will still stay on your credit report for 7-10 years. That
way, potential creditors get a more complete picture of how you've
handled credit in the past.

Try going to the bureaus if you still need assistance removing an
erroneous entry, but remember, accounts age out at 7-10 yrs. Not just
when paid off.


but remember, accounts age out at 7-10 yrs. Not just when paid off. - THIS. O why does no one understand this? by PepperElf Wed March 28, 2012 @ 3:42 PM

Because they don't want to! by MA Bellamy Thu March 29, 2012 @ 11:08 AM

i've only seen ONE excuse so far that i felt actually merited a goodwill deletion by PepperElf Fri March 30, 2012 @ 12:12 PM

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