Consumer complaint received 2022-06-28
Company: TD BANK US HOLDING COMPANY
State: TX
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:
hello good afternoon this complaint is on Target and XXXX when it comes to inaccurate and inconsistent reporting. 

XX/XX/XXXX I sent target a direct dispute as well as a copy of my credit reports regarding the fact that all XXXX consumer reporting agencies XXXX XXXX and XXXX are all reporting a different running of reporting expiration date which may be causing the date of 1st deliquency date to be manipulated. 

XX/XX/XXXX I sent the XXXX consumer reporting agencies a dispute based on the same reason attaching my actual credit reports to support my dispute. 

XX/XX/XXXX Target has responded saying they have notified the consumer reporting agencies with the correct date of 1st deliquency date and for me to reach out to the consumer reporting agencies to basically find out what that date is. 

XX/XX/XXXX I sent target another letter requesting what that date is because at the end of the day there the data furnisher whom furnishes information to the consumer reporting agencies to report anyway. Why wasn't the correct date of 1st deliquecy date notated in their correspondence letter for me to know? 

XX/XX/XXXX I sent in another dispute to the consumer reporting agencies basically asking them what the correct date of 1st deliquency date is because target has responded and said for me to reach out to the consumer reporting agencies. 

XX/XX/XXXX experian has furnished me with my results claiming to have updated this account. well to my surprise the On Record Until is still reporting the exact same XX/XX/XXXX as my before results. The only Update XXXX has done was updated the Balance Updated from XX/XX/XXXX to XX/XX/XXXX. The payment history still does not prove the On Record Until is accurate and here is why. according to the Payment History the date of 1st delinquency date, which is the first 30 days this account led up to a charge off, occurred XXXX XXXX to my understanding in the Fair Credit Reporting Act law 1681c ( c ) Running of Reporting Period - The 7 year period SHALL begin with respect to ANY delinquent account that is placed to charged to profit and loss or subjected to any similar action, upon the expiration of the 180 day period BEGINNING on the date of the COMMENCEMENT of the delinquency which IMMEDIATELY preceded the charge to profit and loss or similar action. The way XXXX is reporting this account or shall I say the way this data furnisher target is furnishing this account to the consumer reporting agencies is going against this FEDERAL law and is a DIRECT violation under the FCRA. so if target is furnishing the date of first delqiuency in the payment history to be XX/XX/XXXX, then how the heck can the On Record Until be XX/XX/XXXX? so your telling me ACCORDING TO THE PAYMENT HISTORY this account first went deliquent XX/XX/XXXX but the estimated FEDERAL removal time is 7 years and 8 months later? The payment history is reporting a ACTIVE history on this closed account. This account closed to any further purchases XX/XX/XXXX so why the active history? This active history is manipulating my utilization making it seem like this account is current and open. This data furnisher reports the status as " account charged off {$2900.00} WRITTEN OFF {$2900.00} PAST DUE as of XX/XX/XXXX ''. to my understanding this data furnisher has wrote this account off with the IRS by submitting a XXXX, they got there funds accounted for with the IRS for the same exact amount that was charged off so please explain to me how the exact same amount is past due? Please inform Target to send me the XXXX that they had submitted for my files. Lastly I would like to include In the COMMENT section of my experian consumer report says the EXACT SAME in the CURRENT and PREVIOUS fields in my BEFORE and AFTER results. If this data furnisher investigated this INDIRECT dispute with the experian previously wouldn't the PREVIOUS field be updated with that information? I have included my before and after results that experian has furnished to me XX/XX/XXXX. I am tired of going back and fourth with this INACCURATE account. Target fails to send me any form of information regarding this accounts reporting. I have gotten NO PAYMENT HISTORY, DATE OF 1ST DELIQUENCY DATE or XXXX from this data furnisher Target. there correspondence letter DID NOT SPECIFY what the CORRECT date of 1st deliquency date is. This data furnisher has already been proven to have reported inaccurate information with the consumer reporting agencies and I have already put them on notice for it under XXXX. I would like to include that this account has never been challenged based on the ownership of this account, this account has always been challenged based on the BLATANT INCONSISTENT and INACCURATE information that this data furnisher is furnishing to the consumer reporting agencies and XXXX is failing to provide me with VALID and CORRECT results. This matter must be handled accordingly because at this point my rights are being violated. I've done my part as a consumer whom this report relates and these cryptic tactics are not being accepted as accurate reporting. The results XXXX has furnished to me are INVALID and my AFTER results are INACCURATE still. 
I am requesting from target the XXXX form submitted to the IRS, I want target tto specify what the CORRECT date of 1st deliquency date is, I shouldn't have to reach out to the consumer reporting agencies to obtain this information when target is the one furnishing this information to them, I want the FULL payment history on this account.

Company response to consumer: Closed with explanation