Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8453455
Complaint Overview
Complaint ID: 8453455
Company: TD Bank US Holding Company
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Georgia
ZIP Code: 31404
Date Received: 2024-02-29T12:00:00-05:00
Date Sent to Company: 2024-02-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/24 Nordstrom Rack reported to XXXX, XXXX, and XXXX a 1 time late payment and my score decreased XXXX points with XXXX, XXXX points with XXXX, and XXXX points with XXXX. This was a big hit on my credit score. In XXXX, several of my creditors rechecked my credit score and as a result my account balances have been lowered on the following accounts : XXXX XXXX, Nordstrom Rack, and XXXX. Then my credit took another hit with each creditor because my credit limits decreased.
Frequently Asked Questions
What is Complaint #8453455 about?
Complaint #8453455 was filed against TD Bank US Holding Company regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-02-29T12:00:00-05:00.
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.