Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Fraudulent XXXX TD Bank Account and Flawed Investigation Process Complaint : I am filing a complaint against XXXX TD Bank for their refusal to remove a fraudulent account from my credit report. Despite providing substantial evidence that I did not open or authorize this account, they continue to validate it as legitimate. Their investigation process raises significant concerns about its adequacy and compliance with federal law.

Details of the Issue : 1. Fraudulent Account Information : The fraudulent account is tied to an address that is not listed on my credit report and does not belong to me. Additionally, there are no credit inquiries associated with this account on my credit file, which further proves that I did not authorize or open it. 
2. Evidence Provided : I have submitted a XXXX XXXX, XXXX complaint, and proof of my utility bill to XXXX TD Bank to demonstrate that this account is fraudulent. 
XXXX. Investigation Concerns : XXXX TD Bank claims to have verified the account using XXXX. However, they cite a match between statements sent to an address and phone number as sufficient proof to validate the account. This is not enough to reasonably prove ownership of the account, particularly in light of modern-day fraud tactics such as spoofing. 
4. Data Breach Exposure : My personal information was confirmed to have been included in XXXX separate data leaks since XXXX, making it susceptible to misuse. Given this, a match between address or phone number records is insufficient to conclude that the account belongs to me. 
XXXX. Phone Number Changed : I have since changed my phone number for security reasons. The phone number XXXX TD Bank is citing as a match is no longer valid and should not be used as evidence of identity. 
XXXX. Refusal to Provide Investigation Findings in which they took over 60 days to respond : I requested details of their investigation process and findings, but they have refused to supply this information. Instead, they continue to validate the account without addressing the substantial evidence I provided or explaining how they determined the account was legitimate. 

Violation of Federal Law : Under the Fair Credit Reporting Act ( FCRA )XXXX XXXX XXXX XXXX XXXX XXXX XXXX furnishers of information are required to : Conduct a reasonable investigation of disputed information. 
Review all relevant information provided by the consumer. 
Report the results of the investigation to the credit reporting agencies. 

XXXX TD Banks reliance on e-OSCAR and superficial matches to validate the account does not constitute a reasonable investigation under the FCRA. Their failure to review all evidence provided and refusal to supply details of their findings violates their legal obligations. 

Impact on My Life : This fraudulent account is significantly hindering my ability to secure employment and housing. Despite my best efforts to resolve the issue, XXXX TD Banks inadequate investigation process is preventing me from clearing this erroneous account from my credit report. 

Resolution Requested : I request that the CFPB : 1. Investigate XXXX TD Banks handling of this dispute to determine if they are in compliance with the FCRA. 
2. Require XXXX TD Bank to remove the fraudulent account from my credit report. 
3. Ensure that XXXX TD Bank provides transparency regarding their investigation process and findings. 

Thank you for your attention to this matter.