Consumer complaint received 2022-04-29
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
These items are inaccurate or incomplete. The number of charge offs are inaccurate. It is illegal for third parties to collect debts. The past due amounts are inaccurate. Debt has been added that should not have. Please provide documentation where I authorized and signed up for such an account. Please verify recent balance, credit amounts, and status are all inaccurate. I am requesting that the item be removed if it can not be verified in a timely manner, and in the event it can not be resolved please provide an exact date that it will fall off my credit report. Or provide a date when the account will either close or return to positive status. Delinquency dates and codes are incorrect ; I have never received any information to validate or verify these accounts. Please provide me with data for the party 's credit relationships established with and not secondary bureaus because their information is not first hand and at times inaccurate. 
The account reporting is inaccurate. The date of last payment is not posted, the amount of the monthly payment not posted, in addition to the fact that the statement balance is missing as well. 
This letter is to inform you that the above referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information. 

I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. 

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 

I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my credit reports and to correct your records. It is illegal to share and furnish these accounts and my information without my written permission. Remove them immediately

Company response to consumer: Closed with explanation