Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18398368
TD Bank Credit Report Error Leads to Consumer Complaint
Complaint Overview
Complaint ID: 18398368
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: Florida
ZIP Code: 33179
Date Received: 2025-12-31T12:00:00-05:00
Date Sent to Company: 2026-01-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The risk is low as the issue involves incorrect account information on a credit report, which is typically resolvable through direct communication with the credit bureau and the creditor.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Account information
AI Analysis
CFPB complaint 18398368 was filed against TD BANK US HOLDING COMPANY regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A Florida consumer reported incorrect account information on their credit report from TD Bank, which was closed with an explanation. The complaint was received on December 31, 2025 from Florida. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information with both the credit reporting agency and the financial institution involved.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, requiring furnishers of information to investigate disputes.
Regulatory Insight
This case highlights the importance of accurate data reporting by financial institutions to credit bureaus to prevent consumer harm.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Florida, consumers have rights under state and federal laws to ensure the accuracy of their credit information.
Industry Comparison
Credit reporting disputes are common across the financial industry, with varying resolution times depending on the complexity and cooperation of parties.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18398368 about?
CFPB complaint 18398368 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account information incorrect". This complaint was filed against TD BANK US HOLDING COMPANY on December 31, 2025.
Which company is complaint 18398368 filed against?
Complaint 18398368 was filed against TD BANK US HOLDING COMPANY. You can view all complaints against this company on their profile page at /company/td-bank-us-holding-company.
What was the company's response to complaint 18398368?
TD BANK US HOLDING COMPANY responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18398368 filed?
Complaint 18398368 was received by the CFPB on December 31, 2025. It was sent to TD BANK US HOLDING COMPANY on January 1, 2026.
What state was complaint 18398368 filed from?
Complaint 18398368 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 18398368?
Dispute information is not available for complaint 18398368.
What product category is complaint 18398368 about?
Complaint 18398368 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 18398368 submitted?
Complaint 18398368 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 18398368?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, requiring furnishers of information to investigate disputes. This relates to a Credit reporting or other personal consumer reports complaint against TD BANK US HOLDING COMPANY involving "Incorrect information on your report".
How likely is complaint 18398368 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 18398368?
This complaint is rated as low risk. The risk is low as the issue involves incorrect account information on a credit report, which is typically resolvable through direct communication with the credit bureau and the creditor.
What regulatory actions apply to complaint 18398368?
This case highlights the importance of accurate data reporting by financial institutions to credit bureaus to prevent consumer harm. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 18398368?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information with both the credit reporting agency and the financial institution involved.
Are there state-specific protections for complaint 18398368?
In Florida, consumers have rights under state and federal laws to ensure the accuracy of their credit information. This complaint was filed from Florida.
How does complaint 18398368 compare to industry norms?
Credit reporting disputes are common across the financial industry, with varying resolution times depending on the complexity and cooperation of parties.
What steps should a consumer take if they find incorrect account information on their credit report?
First, dispute the incorrect information with the credit bureau that generated the report. Then, contact the creditor (TD Bank in this case) directly to provide corrected information and request they update the credit bureau.
How long does a credit bureau typically have to investigate a dispute?
Under the FCRA, credit bureaus generally have 30 days to investigate a dispute, or 45 days if the dispute is filed close to the end of a 30-day period. They must also notify the furnisher of the information about the dispute.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.