Consumer complaint received 2023-03-18
Company: TD BANK US HOLDING COMPANY
State: GA
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: Their investigation did not fix an error on your report

Complaint:
Company Name : TD Auto Finance Reason for Dispute : Never Late, Account Was Paid As Agreed. 

TD Auto is reporting an account as being 30 days late on my credit report and fail to correct this error with the credit bureaus. I have disputed with all three Bureaus and although I submitted evidence of no late payments, they still failed to update the inaccuracy on my report. 

On one bureau TD Auto is reporting XX/XX/2022 payment as 30 days late and on the other two bureaus, it's stating XX/XX/2022 payment as being 30 days late. That's one major inaccuracy right there, because they are reporting different records across the bureaus ( which calls for an automatic removal ). Secondly, no payment was ever late for any of the months ; therefore information being reported as 30 days late is incorrect. Please view supporting documents as proof of ALL payments for the full year of XXXX  and have them update this inaccuracy accordingly. ( Attachments 1-4 : TD Auto Payment History for the year ) In addition, I'm also submitting proof rendering my mother as the actual owner of the account as well. Attached, you will find her bank statements showing payments coming out of her account faithfully for the whole year. There, you will also see that the XXXX and XXXX payment were NEVER late or missed. Although she had a 15 day grace period every month for every payment, she NEVER went passed her grace period ; being that the account was in my name, I made sure of it. ( Attachments 5-16 : Mom 's Bank Statements for the Year ) So to reiterate, ALL proof will be attached with this complaint. I'm not sure why TD Auto insist on reporting this inaccuracy. At first, I believed it was an honest mistake, but recently I found out that they did a soft pull on my credit in XXXX right before they reported the inaccuracy on my report. It had been six years of payments being paid on time and my mom was on the last payoff payment ; therefore, there was no need to inquire on any of their services, no reason to refinance, or etc., so why were they soft pulling my credit? Now, it appears as if they were intentionally trying to sabotage my records. If you take a look through my credit report, everything is always paid on time ; I do not believe in late payments. TD Auto saw this and for whatever reason, decided to report their inaccuracies. I'm the type of person that stays on top of my credit just to ensure accuracy of what's being reported ; reason being is because companies like them report inaccuracies all the time. If you are not attentive to errors being reported, they will continue to report false information. This is not right and they should not get away with this. No company should. 

So again, please have them fix and update this inaccuracy on my report accordingly.

Company response to consumer: Closed with explanation