Consumer complaint received 2021-07-10
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX, and the author of this complaint. 

There is an Original Complaint with TD Bank/Target, and the ID is XXXX. That complaint was created because of missing data on this tradeline, and inaccurate data. 

This complaint is in regard to the same issues - except this time, I am including one of the CRA 's on this complaint - so I do not become its middle man. Each time I dispute has been lodged - both TD Bank, and the CRA 's point their fingers at each other. 

TD Bank ( Original Creditor ) - I am relying on the rules that govern you, as a Data Furnisher, and acting on your own behalf as the Debt Collector on this account. 
https : //www.ecfr.gov/cgi-bin/text-idx? c=ecfr & SID=89d50ede6e4072bde4d4a944a89bd200 & rgn=div5 & view=text & node=16:1.0.1.6.77 & idno=16 # se16.1.660_13 In this dispute - the CRA, will be XXXX, and for XXXX  - I am wholly relying on FCRA. 

https : //www.ftc.gov/enforcement/statutes/fair-credit-reporting-act I am attaching screen shots of my Credit report and then from XXXX 2 sources, and as noted below. 
My XXXX  XXXX XXXX in this complaint ) - and XXXX ( XXXX  in this complaint ). 
XXXX XXXX XXXX  - 1. The Account Number is NULL, or Blank on the raw credit report, XXXX  from XXXX  2. This Account Name states that this account is CLOSED. 
3. This Tradeline is then also reporting Available Credit and it can not /should not. 
4. As a result, this Tradeline is then reporting, Debt to Credit Ratio, when it can not /should not. 
5. XXXX Reported Balance/XXXX = XXXX Percent you are erroneously calculating/reporting 6. The Pay History - remains incomplete/Rating is incomplete, but it was reporting previously. 
7. The Balance History is nonexistent.

8. Please ensure the Balance History and Pay History is complete and then accurate on this tradeline leaving these values NULL/Blank, makes this inaccurate and incomplete 9. Of whats reporting, the start date for 30 days, are reporting differently in each report ran on the same date, and again From XXXX and then XXXX 10. Only one can be accurate. Please see attached. 
11. The FCRA/DOFD can then not be accurate and based on the two - 30 marks, in Pay History. 
12. Please resolve the Pay History to be accurate, and to reflect the actual DOFD/FCRA Date 13. Then it remains impossible to be 120 days late in one month, and then 120 days late in the next please resolve 14. There is then a Credit Limit on this closed account, that I do not believe can be reported, additionally this is where you are erroneously calculating a Debt to Credit Ratio from. 
15. Because this account is charged off/closed, I do not believe there are applicable TERMS that can be reported 16. Creditor Classification is Unknown and should not be, please assign a valid value. 

While this Tradeline has been disputed previously - it lacks the Disputed tag - please ensure this is accurate.

Company response to consumer: Closed with explanation