Consumer complaint received 2019-06-12
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THE FOLLOWING ISSUES ADDRESSES OF THE REPORTING THE MAXIMUM DELINQUENCY DAYS AND IS A DIFFERENT ISSUE AS THIS IS NOT A DUPLICATE COMPLAINT. 

TWO ISSUES LISTED BELOW FIRST ISSUE XXXX XXXX, has ignored my requests to correct and investigate, as in reporting to my credit file where the Maximum Delinquency of 30 days in XX/XX/2016 for creditor TD Bank USA/Target Credit # XXXX. 

SUPPORTING ATTACHED DOCUMENTS Item 1 ) TD Bank USA/Target Credit # XXXX reported on XX/XX/2016 Account status OK. 

Item 2 ) TD Bank USA/Target Credit # XXXX  Maximum Delinquency of 30 days in XX/XX/2016. Account status. 

Item 3 ) TD Bank USA/Target Credit # XXXX  reported on XX/XX/2016 Account status. C/O Under Federal Bankruptcy Code requires all creditors to freeze as in hold, all actions until the Federal Bankruptcy Court adjudicates the Bankruptcy Chapter XXXX. 

XXXX XXXX XXXX filed Bankruptcy Chapter XXXX on XX/XX/2016 and the Bankruptcy Chapter XXXX was Dismissed on XX/XX/2016. 

WHEREAS, Items 1, 2 and 3 are in violation of the Federal Bankruptcy Code as the Account status for XX/XX/2016 can not be reported. Account status for XX/XX/2016 can not be reported as Delinquency of 30 days. Account status for XX/XX/2016 can not be reported as C/O as the account was in Bankruptcy Protection and can not be charged off until the Federal Bankruptcy Court adjudicates the Bankruptcy Chapter XXXX. Which was done on XX/XX/2016. 

The aforesaid periods were in Bankruptcy Protection where XXXX XXXX XXXX filed Bankruptcy Chapter XXXX on XX/XX/2016 and the Bankruptcy Chapter XXXX was Dismissed on XX/XX/2016. 

POST Dismissal of XX/XX/2016, TD Bank USA/Target Credit # XXXX under the Federal Bankruptcy Code as the account was in the same active status before the filing on XX/XX/2016 where the debtor can resume paying on the account. This was denied by TD Bank USA/Target Credit # XXXX. 

SECOND ISSUE XXXX XXXX, has ignored my requests to correct and investigate, as in reporting to my credit file where the Maximum Delinquency of 60 days in XX/XX/2016 for creditor TD Bank USA/Target Credit # XXXX. 

SUPPORTING ATTACHED DOCUMENTS Item 1 ) TD Bank USA/Target Credit # XXXX reported on XX/XX/2016 Account status OK. 

Item 2 ) TD Bank USA/Target Credit # XXXX  Maximum Delinquency of 30 days in XX/XX/2016. Account status. 

Item 3 ) TD Bank USA/Target Credit # XXXX  Maximum Delinquency of 60 days in XX/XX/2016. Account status. 

Item 4 ) TD Bank USA/Target Credit # XXXX  reported on XX/XX/2016 Account status. C/O Under Federal Bankruptcy Code requires all creditors to freeze as in hold, all actions until the Federal Bankruptcy Court adjudicates the Bankruptcy Chapter XXXX. 

XXXX XXXX XXXX filed Bankruptcy Chapter XXXX on XX/XX/2016 and the Bankruptcy Chapter XXXX was Dismissed on XX/XX/2016. 

WHEREAS, Items 1, 2 and 3 are in violation of the Federal Bankruptcy Code as the Account status for XX/XX/2016 can not be reported. Account status for XX/XX/2016 can not be reported as Delinquency of 30 days. Account status for XX/XX/2016 can not be reported as Delinquency of 60 days. Account status for XX/XX/2016 can not be reported as C/O as the account was in Bankruptcy Protection and can not be charged off until the Federal Bankruptcy Court adjudicates the Bankruptcy Chapter XXXX. Which was done on XX/XX/2016. 

The aforesaid periods were in Bankruptcy Protection where XXXX XXXX XXXX filed Bankruptcy Chapter XXXX on XX/XX/2016 and the Bankruptcy Chapter XXXX was Dismissed on XX/XX/2016. 

POST Dismissal of XX/XX/2016, TD Bank USA/Target Credit # XXXX under the Federal Bankruptcy Code as the account was in the same active status before the filing on XX/XX/2016 where the debtor can resume paying on the account. This was denied by TD Bank USA/Target Credit # XXXX.

Company response to consumer: Closed with explanation