On XXXX XXXX, 2015 I received an email from my Citi XXXX preferred credit card provider. My account had been closed due to inactivity. Not having been previously notified of the pending closure I contacted Citi for verification of the closure and tried to reinstate my account. I was not aware that I was required to use their card and provide a timely use of the card in order for Citi to generate the revenue that credit card companies enjoy. I asked why I was not notified previously to this upcoming closure. I also expressed that closing my account would negatively affect my credit report. Citi advised me that the actions of credit reporting companies was not their concern. I was told that I could apply for a new account and would be subject to approval according to the processes of a new customer. This requires a credit report inquiry and other personal information. Excessive inquiries of my credit report affect my credit worthiness same as the closing of my account. I requested my account be reinstated but my request was denied. I had not been using my credit card due to a previous action which reduced my credit limit to the balance owed. I questioned Citi for the decrease. I was informed that my credit report had been negatively affected due to a recent entry by another credit provider. I requested copies of my credit report. Instantly, I determined the negative entry. It obviously was not a reportable entry. The date of the reported entry was very old and had been entered in error. It was an obvious error which was immediately corrected. I contacted Citi with the information of the correction. As the entry was blatantly obvious as an invalid entry, I did not understand why Citi did not review my credit report for accuracy. An obvious error of date. Citi reduced my credit limit due to their lack of responsibility in the handling of my account. I quit using my Citi card due to the careless practices of their business procedures and lack of providing a business relationship conducive to ethics and fair practices. I did not want an account with Citi but new the negative result of closing a credit account. I sent an email to customer service. I received an email in return stating I could read their response by logging into my internet account which I could not access as my account had been closed. I then contacted Citi and was referred to a manager. XXXX. She could not repair the damage already created. She suggested that I apply for a new account. Unsure of how to proceed I agreed. I still have Citi reporting a closed account and added inquiry to my credit report. While reviewing my credit report, the only negative entry would most likely be reported by Citi. My credit may not be granted due to the actions of Citi. 
