Citi should report both account ending in XXXX and XXXX with a {$0.00} balance to the CRA because the account are being handled by XXXX XXXX XXXX and XXXX. Citi is in violation of the FCRA, Citi is currently reporting chargeoff credit card account ending in XXXX with a balance of {$3500.00} and account ending XXXX with a balance of {$3400.00} to the credit reporting agencies. Citi advised me that accounting ending in XXXX is being handled by XXXX and Account ending in XXXX is being handled by XXXX XXXX XXXX. This is from my complaint XXXX with Citi responding XXXX. This was Citi responding to my complaint. 

" We have received your inquiries that were submitted to the Consumer Financial Protection Bureau regarding the validity of the debt on the above-referenced accounts. 

After reviewing our records we have confirmed that the debts are valid and we are providing you with monthly statements since the accounts were established that confirm the debts. The enclosed monthly statements reflect the date and amount of payments, credits, balances, and charges concerning the debts, including but not limited to interest, fees, charges or expenses incidental to the principal obligations that we are expressly authorized to charge by the credit card agreements. 

Our investigation indicates that your accounts were opened on XXXX XXXX, XXXX. After conducting an investigation, we have determined that you applied for the accounts online ; therefore, physical copies of the applications are not available. The amounts of debts as of XXXX XXXX, XXXX are {$3500.00} on the account ending in XXXX and {$3400.00} on the account ending in XXXX. Your last payments in the amounts of {$86.00} on the account ending in XXXX and {$80.00} on the account ending in XXXX were received on XXXX XXXX, XXXX. Please ensure that your payments of no less than the full balances are received by XXXX XXXX, XXXX. 

Our records indicate that due to the delinquency of the account, we referred the account ending in XXXX to XXXX XXXX XXXX for their handling. Any future correspondence in regard to the outstanding balance, as well as any payments, should be directed to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, CA XXXX. Their phone number is XXXX XXXX XXXX XXXX. The account ending in XXXX was referred to XXXX XXXX XXXX and any correspondence regarding this account can be directed to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. Their phone number is XXXX XXXX XXXX XXXX ''. 

Sincerely, XXXX XXXX Executive Response Unit XXXX cc : Consumer Financial Protection Bureau Case # XXXX Case # XXXX FEDERAL REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE *Our telecommunication number for our hearing impaired customers is XXXX. 
