Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6648723
Complaint Overview
Complaint ID: 6648723
Company: TD Bank US Holding Company
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Maryland
ZIP Code: 21244
Date Received: 2023-03-04T12:00:00-05:00
Date Sent to Company: 2023-03-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2022, I mailed a letter to NORDSTROM/TD BANK requesting validation of a debt that they have reported to the credit bureaus : XXXX, XXXX, and XXXX. In this letter sent on XX/XX/2022, I also requested that NORDSTROM/TD BANKXX/XX/XXXXcease and desist communication with me. I mailed these documents certified mail and domestic return receipt ( see return receipt attached ). NORDSTROM/TD BANK received these documents on XX/XX/2022. To this date, I have not received validation of this debt AND the debt still remains on all XXXX of my credit reports. On XX/XX/2022, I mailed my FTC Identity Theft Report to all three credit bureaus : XXXX, XXXX, and XXXX. In XXXX, all three credit bureaus removed the account from my credit bureaus. But later that month, they inserted the NORDSTROM/TD BANK account back on my reports. I requested verification of the debt by the credit bureaus, but NONE of the bureaus responded with the verification of the debt and they simply stated that NORDSTROM/TD BANK have verified the account. I requested the documentation of the verification, but none could be provided. I am utterly uphauled at how NORDSTROM/TD BANK, XXXX, and XXXX have XXXX this matter. They are ruining my reputation by illegally reporting information to my credit bureaus. This illegal information have caused me much anguish and stress as I have struggled to buy a house for my family due to this inaccurate reporting of information. NORDSTROM/TD BANK has not reached out to mediate this situation. They do not see the urgency mediating this matter. They have violated my federally protected consumer rights and they believe that they can get away with this without consequence. NORDSTROM/TD BANK has XXXX ample time to resolve this issue and they have done NOTHING! I demand the immediate removal of this account from the XXXX major credit bureaus and all secondary credit reporting agencies for violating my federally protected consumer rights.
Frequently Asked Questions
What is Complaint #6648723 about?
Complaint #6648723 was filed against TD Bank US Holding Company regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2023-03-04T12:00:00-05:00.
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, credit repair services, 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.