I had not used my Citi credit card since XX/XX/XXXX. In the time since XX/XX/XXXX, I was issued a new card ; however I never activated the card. Nevertheless, an unauthorized charge was made on my card without my knowledge in XX/XX/XXXX. Following receiving a notice that I had a delinquent balance in XX/XX/XXXX, I inquired about the balance with Citi and disputed it. Citi found in my favor on the dispute and reversed the charges including late fees and interest in XX/XX/XXXX. However, in XX/XX/XXXX I discovered that they had reported negative information in my credit report. I called Citi again to fix the issue, and they apologized and told me they would get the reporting fixed and I would receive notice in 5-7 days when it was complete. I simultaneously disputed the negative information with the reporting agencies. Over a month passed, I received no update from Citi ; however the credit reporting agencies noted that Citi had indicated that the negative information was in fact accurate. I called Citi again to try to remedy the situation. The first customer service representative was apologetic and told me that it looked like it had gotten lost in bureaucracy, but that she would get her manager to help. The manager was very rude, indicated that I did not deserve any notice of their actions regarding fixing their credit reporting despite the promises previously made, and also indicated that the charge was in fact authorized and proper despite Citi 's previous finding in my favor and that the card was not even activated. While I have not incurred any actual losses yet ; my credit score dropped by about XXXX points, which is concerning because I am trying to buy a house and secure a mortgage. 

The supporting documents attached show that my last activity was in XX/XX/XXXX, no payments were made recently, but the balances were cleared, the negative information in all credit reports, and the results of my initial dispute with Citi in which Citi found in my favor. 
