On XX/XX/XXXX I had my attorney I hired write letters to Citibank to make them aware that they are completely violating the FDRA. XXXX immediately complied. The date of last activity is XX/XX/XXXX and report ( XXXX ) 90 day lates after that. They also falsely accused me of paying {$40000.00} a few years ago which is completely false as the last installment on my account was XX/XX/XXXX. This is completely hindering my ability to refinance my property. SEE ATTACHED DOCS 
