Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11802057
Complaint Overview
Complaint ID: 11802057
Company: TD Bank US Holding Company
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: New Jersey
ZIP Code: 07304
Date Received: 2025-01-27T12:00:00-05:00
Date Sent to Company: 2025-01-27T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I discovered an unauthorized Target XXXX account was fraudulently opened in my name. After an investigation, Target confirmed the account was opened fraudulently, closed the account, and removed the balance. They also notified the national credit bureaus to remove the account from my credit report. However, despite this confirmation, XXXX continues to report the account with negative remarks such as " charged off '' and " account closed by credit grantor. '' I have disputed this multiple times with XXXX, providing them with documentation, including the official fraud confirmation letter from Target. Despite my efforts, the account remains on my report, negatively impacting my credit. Attached is the letter from Target confirming the fraud and their request to remove it from my credit report. Thank you for your prompt attention to this matter.
Frequently Asked Questions
What is Complaint #11802057 about?
Complaint #11802057 was filed against TD Bank US Holding Company regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-01-27T12:00:00-05:00.
How did TD Bank US Holding Company respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.