Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18120716
Complaint Overview
Complaint ID: 18120716
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: Information belongs to someone else
State: North Carolina
ZIP Code: 28269
Date Received: 2025-12-03T12:00:00-05:00
Date Sent to Company: 2025-12-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing a fraudulent Nordstrom account that is not mine. The account was previously removed from my credit report after I proved it was fraudulent, yet it continues to be reinserted without my consent. Nordstrom claimed the account belongs to me because it was verified using my email address, my phone number, and an IP address. I informed the company that these identifiers may have been compromised and are not reliable proof that the account is mine. Despite this, they refused to assist and were rude when I contacted them. Additionally, Nordstrom and a collection agency are attempting to collect on this fraudulent account, which is also a violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ) and the FCRA. Collecting on an account that is disputed as fraudulent is illegal. I have repeatedly disputed this account with the credit bureaus, yet it continues to appear on my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that : Consumer reporting agencies must reinvestigate disputed information ( 15 U.S.C. 1681i ). Furnishers of information ( like Nordstrom ) must report only accurate information and correct any errors ( 15 U.S.C. 1681s-2 ). Consumers have the right to dispute fraudulent accounts and request that inaccurate information be removed.
Frequently Asked Questions
What is Complaint #18120716 about?
Complaint #18120716 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 2025-12-03T12:00:00-05:00.
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.