THD/CBNA on a credit report is a Home Depot credit card account reported by Citibank, N.A., the bank that issues it. The abbreviation trips people up because the card says Home Depot and the tradeline says CBNA. Most of the time the account is real and the report is right. But when you never opened a Home Depot card, when the balance or the payment history is wrong, or when the account belongs to someone with your name, the FCRA gives you the right to dispute it with the bureaus and with Citibank directly — and it makes Citibank answer for what it reports.
What THD/CBNA is
THD stands for The Home Depot and CBNA for Citibank, N.A. The Home Depot Consumer Credit Card agreement filed with the Consumer Financial Protection Bureau names “Citibank, N.A., the issuer of your account,” located in Sioux Falls, South Dakota, and Citi’s own card page describes it as a card that can be used only at Home Depot stores and homedepot.com. Because the bank underwrites, services, and reports the account, the tradeline carries the bank’s abbreviation rather than the store’s name, and the same CBNA suffix appears on the other store cards Citi issues, from Best Buy to Sears. Home Depot’s commercial accounts run through Citi as well, so a business card opened for a contracting job can surface on a personal report under the same abbreviation.
Why a THD/CBNA entry can be wrong
The common problems are the ones every store-card tradeline produces. An account you never opened points to identity theft — a Home Depot card is an easy first target for someone with your Social Security number, and the fraudulent balance goes to collections under your name. An account that belongs to a relative or a stranger with a similar name and address is a mixed credit file, a bureau matching failure rather than anything you did. A card you were added to as an authorized user can show a balance and late payments you never controlled. And accounts that were paid off or settled sometimes keep reporting a balance, or report a charge-off long after the debt was resolved. A hard inquiry from CBNA you do not recognize is its own problem: our post on unauthorized credit inquiries covers it.
How to dispute a THD/CBNA account
Start with the report itself: pull all three bureau reports, because the error may sit on only one, and note the account number fragment, the open date, and the reported balance. Then dispute in two places. Send a written dispute to each bureau reporting the item — our credit dispute letter guide covers the format — and send a second, direct dispute to Citibank. The card agreement instructs customers to write to the customer service address printed on the billing statement; Citi’s general correspondence address for card accounts is P.O. Box 6000, Sioux Falls, SD 57117, and the Home Depot consumer card customer service line is 1-800-677-0232 (both according to the card agreement and Home Depot’s published directory). Under 15 U.S.C. § 1681s-2(a)(8), a furnisher must investigate a dispute it receives directly from the consumer, and under § 1681s-2(b) it must investigate every dispute the bureau forwards; either way it has 30 days. Keep copies of everything, including the bureau’s result letter, because a dispute that comes back “verified” without anyone checking is the fact pattern these cases are built on.
When it becomes a legal claim
A furnisher that reports an account as yours after you have told it in writing that it is not, or that verifies a wrong balance without looking at its own records, violates the FCRA’s furnisher duties, and the bureau that keeps reporting the item after a dispute violates its own duty to reinvestigate. Both are compensable: actual damages for the credit you were denied or the higher rate you paid, statutory and punitive damages where the violation is willful, and attorney’s fees, which is why we handle these cases on contingency. THD/CBNA sits alongside the other Citi tradelines on our Citibank credit report page and the issuers in our creditors and lenders directory — and our credit report dispute lawyer practice covers what happens after the dispute fails.
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Published by The Kim Law Firm, LLC — about attorney Richard Kim. Last updated September 2026.