Consumer complaint received 2022-02-23
Company: TD BANK US HOLDING COMPANY
State: ME
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:
My problem is with both TD Bank/Target Red Card Services and XXXX, Target had a charged off credit card account that I paid {$2700.00} on to settle before Covid hit in XX/XX/XXXX. They had already written this account off for {$15000.00} when they added a bunch of fees and interest. Non the less I paid it as requested, I had two payments of {$680.00} to pay when XXXX got me XXXX  and almost XXXX me. When I got back on my feet and was able to actually pay down the charged off account to a {$0.00} balance/full settlement I had to start over with {$4000.00}, which I paid XXXX and finally the last {$1000.00} on XX/XX/XXXX. They sent me a paid off letter, same one they sent XXXX, which obviously interprets things differently because they left my balance as a {$12000.00} balance, which it isn't. My balance is {$0.00} and this account is settled in full. It should of been taken completely off my credit file as a negative item. This am I get an email showing my dispute to XXXX XXXX is wrong, still showing this as a negative item, even though it is supposed to be a {$0.00} balance. It never had a {$12000.00} balance, because I paid {$1000.00} on XX/XX/XXXX, then {$2000.00} on XX/XX/XXXX, then another {$1000.00} on XX/XX/XXXX where it was settled per Target Red Cards agreement, The numbers that were written off shouldn't be showing as a balance still, but it does on XXXX so I disputed it again with the {$0.00} balance letter I received from Target on XX/XX/XXXX. 

So this afternoon i got an email alert from XXXX ( a service i pay for ) saying XXXX posted the wrong information to my account, like its a " bad '' thing I paid off a charged off account, which is wrong! It violates the letter of the law of the FCRA of XXXX with accuracy mistakes and fairness. Some " XXXX ' from a third world country, who was laughing at me, while going through the verification process again. This time I got heated because they were just playing games with me, a clear violation of Fair Reporting of information on my file. I'm writing in because I have spent 6 months working on my credit files with the three major reporting agencies, fix one item, another error such as this comes from a positive? How is that. Because XXXX, nor any of the Creditors is held to Fair or Accurate Reporting of my information on my file on line. I have proof I settled this to {$0.00}, TD Bank/Target Red Card Services Representatives sent me a " Congratulations Your Red card Balance now has a zero balance '' letter, but XXXX XXXX  it up and turned a positive situation into a negative. I want this NEGATIVE INFORMATION removed immediately because it's not factual and it's vindictive. The next complaint i make will be with XXXX XXXX, State Attorney in Florida, where i live and where this business was conducted with these creditors/credit reporting agencies, etc. I will seek damages.

Company response to consumer: Closed with explanation