Consumer complaint received 2022-01-08
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
It is not my intention to refused to pay or to avoid paying any lawful debt I may owe to TD BANK USA/TARGET CREDIT ( TARGET ), but since TARGET has ignored and refused to comply with my written request to substantiate its claims that I, XXXX XXXX owe money or ever owe money to TARGET on this alleged account # XXXX at issue. Im forced to make this good faith complaint and seek the aid of the CFPB to make TARGET comply, with its statutory duties under Federal Law ( FCRA ) to provide me with hard and substantial evidence that Im legally liable for this alleged debt, so I can promptly pay it. 

Is undisputed that TARGET has received my written letters via XXXX  certified mail as well as the XXXX XXXX. Unfortunately, TARGET has neither provided me with any substantial evidence that support its claim or even respond to my written debt verification requests on this account # XXXX, currently reported by TARGET, with the XXXX, and YET, TARGET has verified its accuracy and completeness of its tradeline more than once, within the last year with the XXXX in violation of my rights under FCRA. 

TARGET has untruthfully verified the accuracy of its unverified, erroneous, incorrect innacurate and incomplete data information reported to the NCRAs in my credit file, in detriment of my XXXX score and my credit history. 

To the best of my recollection, I have never filled out or submit any application for a credit with TARGET on or about XX/XX/XXXX, nor I have never used any credit card or ever had any actual and valid credit card with a credit limit of {$300.00} with TARGET or have any personal debt contract or agreement with TARGET since XX/XX/XXXX, under account # XXXX. 

Additionally, I dont recall ever receiving any monthly statements or ever made any payment to TARGET on or after XX/XX/XXXX, on this alleged account # XXXX. 

TARGET, please provide the following information : 1. A true correct and complete Copy of the original contract or/and application showing the date and terms of the agreement with my signature 2. All documents signed by me proving the amount of obligation 3. Copies of checks, statements and Documented proof that this is my obligation.

4. Full and complete payment history specifically the alleged payments I, XXXX XXXX allegedly made from XXXX XXXX thru XX/XX/XXXX. XXXX on account # XXXX. 
5. Evidence of the way or form in which each of these payments was made on this account. 

Since XX/XX/XXXX, I have sending dispute letters, challenging TARGET legal rights, interest, or authority to report any negative derogatory information in my credit file with any of the XXXX ) XXXX, XXXX XXXX  XXXX. 

TARGET has included but not limited failed to flag this alleged debt account DISPUTED as required by Federal Law, under FCRA. 

Due to TARGET failure to comply with my request and untimely response for verification of the debt, TARGET is statutory obligated to electronically submit deletion of its tradeline from the main credit reporting agencies TARGET report to. 

XXXX : Conf. Results # : XXXX XX/XX/XXXX Completed XX/XX/XXXX XXXX : Conf. Results # : XXXX XX/XX/XXXX Completed XX/XX/XXXX XXXX : Conf. Results # : XXXX XX/XX/XXXX Completed XX/XX/XXXX XXXX : XX/XX/XXXX, Investigations Results Report # XXXX XXXX  : XX/XX/XXXX, Investigations Results Report # XXXX ( Attached ) Verification Letter sent to TARGET on XX/XX/XXXX ( no response ) ( Attached ) Verification Letter sent to TARGET on XX/XX/XXXX ( no response ) Since, XXXX XXXX, TD BANK USA/TARGET CREDIT ( TARGET ) claims that I, XXXX XXXX have an actual, valid credit or personal debt with them, under account # XXXX, by reporting it on my credit file with the XXXX THAT : I XXXX XXXX open an Installment account or apply for A SECURED LOAN or credit with TARGET on or about XXXX XXXX I XXXX XXXX , owe TARGET a balance of {$590.00} TARGET, received a last payment on this account in XX/XX/XXXX The last payment, XXXX XXXX made on this account was in XX/XX/XXXX The credit limit on this alleged account is {$300.00} The Charge off on this account is {$590.00}

Company response to consumer: Closed with non-monetary relief