Credit card -- Incorrect information on your report -- Complaint #13832613
Complaint Overview
Complaint ID: 13832613
Company: TD Bank US Holding Company
Product: Credit card
Sub-Product: Store credit card
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Texas
ZIP Code: 76544
Date Received: 2025-06-01T12:00:00-05:00
Date Sent to Company: 2025-06-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am writing to formally dispute late payments information being reported on my credit report in connection with my XXXX account number XXXX. This information is inaccurate and unverifiable under federal law, specifically 15 U.S.C. 1666b, which prohibits the reporting of late payments that can not be substantiated. According to the Fair Credit Billing Act ( FCBA ), creditors must not report a payment as late unless it was received after the expiration of the grace period and the delinquency can be properly verified. Upon reviewing my records, I do not see any valid evidence to support the claim that my payments ( XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) were indeed late. Therefore, I am requesting that you provide full documentation verifying the alleged delinquency, including : A copy of the billing statement showing the closing date and due date ; Proof of when the payment was received ; An explanation of how the late payment determination was made ; Documentation confirming compliance with 15 U.S.C. 1666b. If you are unable to provide the documentation substantiating the validity of the reported late payment ( s ), you are required by law to immediately remove the inaccurate information from my credit reports with all consumer reporting agencies to which it was furnished. Additionally, I am requesting that you refrain from further reporting of the unverifiable negative item until this dispute is resolved, as required under the Fair Credit Reporting Act ( FCRA ). Please investigate this matter and respond to me in writing within 30 days, as required under federal law. If no sufficient verification is provided within this period, I expect the late payment entry to be deleted from all reporting databases. Thank you for your prompt attention to this matter.
Frequently Asked Questions
What is Complaint #13832613 about?
Complaint #13832613 was filed against TD Bank US Holding Company regarding Credit card specifically about Incorrect information on your report. It was received by the CFPB on 2025-06-01T12:00:00-05:00.
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 card) 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.