Citibank is reporting inaccurate and outright false information to the credit reporting agencies. In XXXX 2015 Citibank started reporting a new account number, ****************, on my credit report. I disputed the account with the credit reporting agencies and Citibank verified it with the credit bureaus as being mine. I then initiated a direct dispute under FCRA 623 ( a ) ( 8 ) ( D ) with Citibank telling it that that account has never been issued to me and asking it to investigate the suspicious account since it has confirmed with the credit bureaus that it was mine. This was beginning of XXXX 2015. On XXXX XXXX, 2015, Citibank sent me a letter ignoring my request to investigate account XXXX and telling me that " we received your request to update credit information on your credit bureau report '' In the same letter Citibank continues saying : " Our records indicate that the information appearing on your credit report is correct. If you wish to add a brief statement of explanation to your file, you may contact the consumer reporting agencies to whom we report your account information. This will become part of your credit record, which they retain. " ( letter attached ) To me, after reading the statement above, it felt like Citibank was trying to mock and embarrass me. 
How can a negative account that 's never been issued to me become part of my credit record? 
On the same XXXX XXXX, 2015 I overnighted Citibank my response telling it that I stand by my FCRA 623 ( a ) ( 8 ) ( D ) request in regard to account XXXX and that I was expecting completion of the investigation within the time frame specified by law. In that letter I again asked Citibank to provide proof that XXXX XXXX : XXXX was issued to me in a form of an account statement bearing the said account number with my name and address. In that letter I informed Citibank that if by XXXX XXXX, 2015 I do not receive proof that account XXXX was actually mine, I will escalate the issue with the competent authorities. ( letter attached ) I honestly do n't understand why Citibank has decided to insert that account number on my credit file and is stubbornly insisting that it 's my credit card account number with Citibank. 
