Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11159238
Complaint Overview
Complaint ID: 11159238
Company: TD Bank US Holding Company
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Kentucky
ZIP Code: 41091
Date Received: 2024-12-14T12:00:00-05:00
Date Sent to Company: 2024-12-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Formal Complaint Against TD BANK USA/TARGET CREDIT for Reporting Inaccurate Information on My Credit File I am writing to formally file a complaint regarding inaccurate information being reported by TD BANK USA/TARGET CREDIT to my credit file. I believe these discrepancies may be in violation of the Fair Credit Reporting Act ( FCRA ). The inaccuracies specifically involve incorrect reporting of account balances and the failure to provide required tax documentation for a written-off debt. The discrepancies are as follows : Incorrect Account Balance : TD BANK USA/TARGET CREDIT has reported an incorrect balance on my account, which does not accurately reflect the amount owed or the actual status of the account. Failure to Provide Form 1099-C for Written-Off Debt : Despite the fact that the debt associated with the account was written off by TD BANK USA/TARGET CREDIT , I have not received the required 1099-C form for tax reporting purposes, as mandated by the IRS. I have made several attempts to resolve these issues directly with TD BANK USA/TARGET CREDIT. I have contacted their customer service team multiple times and submitted written disputes requesting the correction of the account balance and the issuance of the appropriate 1099-C form. Unfortunately, despite these efforts, the inaccuracies have not been rectified, and the incorrect information continues to negatively affect my credit report and financial standing. As this situation has caused significant harm to my creditworthiness, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure that XXXX XXXX complies with its obligations under the FCRA, including the accurate reporting of information to credit reporting agencies and the timely issuance of the 1099-C form for written-off debt. Please let me know if you require any further information or documentation from me to assist in your investigation. I look forward to your prompt response and resolution of this matter.
Frequently Asked Questions
What is Complaint #11159238 about?
Complaint #11159238 was filed against TD Bank US Holding Company regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-12-14T12:00:00-05:00.
How did TD Bank US Holding Company respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against TD Bank US Holding Company?
Yes, visit the TD Bank US Holding Company company profile at readthecomplaint.com/company/td-bank-us-holding-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.