Citibank
Closed 2001 Account Misreported as 120-Day Delinquent

MEDIA & CONSUMERS: I am happy to discuss my case with you.

Moulton v. Citibank, TransUnion, Equifax, AmeriCredit
WestLaw 2005 WL 1522237 (N.D. Cal.)
Lexis Nexis 2005 U.S. Dist. LEXIS 32185

CITIBANK - $2 billion settlement regarding the Enron scandal.

USA TODAY http://www.usatoday.com/money/industries/banking/06-10-citi-enron_x.htm

SEC http://www.sec.gov/news/press-87.htm

CITIGROUP'S WEBSITE http://www.citigroup.com/citigroup/citizen/structuredfinance/030728a.htm

I tell you, Citibank is a "real class act." There are connections to the Enron scandal and to misreportings of Citibank accounts as delinquent. Maybe "class action" is more like it!

My 2001 closed Citibank account was "conveniently" misreported on my credit report as "delinquent" (for example, 120-day "lates") after account closure. My Citibank account was also misreported as closed in 2003.

2003 AmeriCredit paid/closed account:
* The AmeriCredit account was misreported as "delinquent" after account closure.
* The AmeriCredit account was misreported as open.

Equifax credit report: "blank" or thin-file credit reports by Equifax. I was declined several times due to a "blank" credit report.

This practice led to credit declines for almost 2 years and home loan declines for about a year. I have suffered:
* Real estate appreciation
* Real estate fees
* Home equity loss
* Rent
* Higher insurance rates
* Lost wages & educational losses

Don't let this happen to you.

AnnualCreditReport provides free credit reports. Check your credit report often for errors. Report errors to the creditors and the 3 credit reporting agencies (TransUnion, Equifax, Experian) as soon as possible. Send letters certified, return receipt. If they still do not correct the errors, you might retain an attorney at NACA. Good luck.

Company: Citibank
Country: USA
State: Delaware
City: Wilmington

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