Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13065470
Complaint Overview
Complaint ID: 13065470
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 status incorrect
State: Illinois
ZIP Code: 60502
Date Received: 2025-04-18T12:00:00-05:00
Date Sent to Company: 2025-04-18T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, Target Card Services. This letter serves as a formal demand for the immediate removal of an erroneously reported late payment on my consumer file. I have tried multiple times to get removed from the account, but no ones helping. Regardless, if Im a authorized user or the card holder After careful review of the applicable federal statutes, it is clear that your continued reporting of this information constitutes several grave violations of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). 1. Noncompliance with 15 USC 1681e ( b ) Failure to Maintain Maximum Accuracy : According to 15 USC 1681e ( b ), it is your legal duty to follow reasonable procedures to ensure maximum possible accuracy when reporting consumer information. The continued presence of this inaccurate late payment on my credit report demonstrates a blatant disregard for this requirement, constituting willful noncompliance. 2. Violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) Improper Reporting of Non-Reportable Transactions : Additionally, under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), transactions or experiences between a consumer and creditor are not considered consumer reports unless authorized by the consumer. The late payment being reported stems from such a transaction and, as such, should not have been shared with any credit reporting agency. Y our failure to obtain proper authorization for the dissemination of this information is a further violation of my rights under the FCRA. 3. Violation of 15 USC 6802 Unauthorized Disclosure of Nonpublic Personal Information : Further, as a financial institution governed by 15 USC 6802 under the Gramm-Leach-Bliley Act, you are prohibited from disclosing nonpublic personal information to third parties without my express consent. Y our unauthorized dissemination of this erroneous late payment represents a violation of my privacy rights, making you liable for any damages caused. Legal and Financial Consequences : Y our ongoing failure to adhere to these legal mandates exposes you to serious penalties. Under 15 USC 1681n, you may be liable for statutory damages ranging from {$100.00} to {$1000.00} per violation for willfully violating the FCRA, in addition to actual damages I have suffered. Given the egregious nature of your noncompliance, I may also seek punitive damages to the full extent permitted by law, to punish and deter this willful misconduct. These punitive damages, combined with my actual damages for emotional distress, may be substantial. The emotional distress, mental anguish, and financial harm caused by your disregard for accuracy in reporting have been significant. The persistent erroneous reporting has impeded my ability to secure credit and has had a damaging effect on my financial stability. I reserve the right to pursue legal remedies that include compensation for emotional distress, pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ). Immediate Action Required : To avoid further escalation, I demand that : 1. Y ou immediately cease reporting the inaccurate late payment to XXXX, XXXX, and XXXX. XXXX. You remove the erroneous information from my credit file across all major credit reporting agencies. 3. You provide written confirmation of the removal within 30 days of receiving this letter
Frequently Asked Questions
What is Complaint #13065470 about?
Complaint #13065470 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 2025-04-18T12:00:00-05:00.
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.