Citibank Unknown Account Collection - no progress with dispute - CITI IS RUINING MY LIFE.
Posted Thu October 20, 2011 12:31 pm, by Devin A. written to Citibank N A
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I pulled my credit at the end of August to find a recently reported charge-off collection from an account I did not recognize. It did not have a full account # on the report. When I searched the address online it indicated that this was from Citibank collections.
This is a major collection/charge-off in the amount of $1,193.00. When I called the number for Citi collections they were unable to look up my info and said that I was not in their system. I am not in their system because I never opened this account and it is erroneous. The CSR gave me a number to fax a letter to the credit dispute unit. I faxed my letter on 9/29/2011 to 1-866-548-5614 and received confirmation. This is the # the rep gave me. Per FCRA I thought they had to respond within 15 days, they have not, and all contact info was given on my dispute letter.
Due to no response, I called Citi collections again on 10/20/2011. Again the automated system and the rep. were unable to verify me (I also do not like giving my ss# to strangers over the phone to creditors I do not have relationships with). The rep told me that I needed to wait 30 - 90 days. I wanted specific info and he said he had none because they could not even find me in the system.
I asked for a contact in the credit dispute unit and explained this inaccurate info was holding up an auto refinance, a new auto purchase for my fiance, and a new home purchase. I was told a generic answer of needing to wait 30 - 90 days. Again I asked for a contact # and was told the credit dispute unit was a 'backdoor office' and had no public phone number.
So I cannot check the status of my dispute, the creditor does not have me on file in anyway - trust me I gave them every piece of info on me and they still cannot find me in the system. Yet I have to 'just wait' on Citi to fix their error that is ruining my credit and holding up my life.
I am in my mid 20's and have worked hard for the last 5 years to establish a good credit profile so that I could get a house, and refi my auto loan etc. Now I cannot because Citi is punishing me and ruining my life for an account the CSRs acknowledge is erroneous because I am not in their system, and they have no person I can talk to, or no specific status update, or any timeframe as to when this will be fixed.
In the meantime low housing prices and rates will not last forever, I hope they can clear this up because I have never had a Citi account or ever even applied for one. I do not even know what this account is, and apparently neither does Citi. They need to realize these errors are greatly affectING the lives of individuals.
I want someone from the credit dispute unit to contact me to tell me what is being done to correct this.
I want the information removed from my credit report, and the bureaus to be updated that it was in error and that I never had a $1,193.00 charge off with Citi. I would like all corrections to be made so my report is clean again and reflects the positive changes in my FICO score.
I would like this done, immediately, not in a generic '30 - 90' days.
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