Consumer complaint received 2023-06-25
Company: TD BANK US HOLDING COMPANY
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La.XXXX XX/XX/2023 TD Auto Finance XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Dispute and Request for Removal of Inaccurate Information from Credit Report Dear Sir/Madam , I am writing to dispute the inaccurate information that TD Auto Finance Company has reported on my credit report. I believe that TD Auto Finance is violating my rights under the Fair Credit Reporting Act ( FCRA ), the 4th Amendment, the Gramm-Leach-Bliley Act ( GLBA ), and other applicable laws. I demand the immediate removal of TD Auto Finance from my credit report. 
As a consumer, I have the right to privacy and protection of my personal information under 15 U.S.C 1681 section 602 ( A ). Additionally, 15 U.S.C 1681 section 604 ( A ) ( 2 ) clearly states that a consumer reporting agency can not furnish an account without my written instructions. TD Auto Finance has failed to adhere to these provisions. 
Furthermore, 15 U.S.C 1681c ( a ) ( 5 ) explicitly prohibits any consumer reporting agency from including adverse information, except for records of convictions of crimes that predate the report by more than seven years. The information reported by TD Auto Finance is not only inaccurate but also violates this specific provision. 
According to 15 U.S.C. 1681s-2 ( A ) ( 1 ), TD Auto Finance is obligated not to furnish any information relating to a consumer if it knows or has reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting Act, I demand that TD Auto Finance correct its records and cease reporting inaccurate information to any consumer reporting agency. 
The account in question has been paid in full, and it is unjust and damaging to my creditworthiness to have this inaccurate information on my credit report. This not only affects my financial standing but also violates my rights under the GLBA, the Electronic Communications Privacy Act ( ECPA ), and the FCRA. 
I am aware of my rights as a consumer and the laws that protect me. Failure to comply with my request to remove TD Auto Finance from my credit report will leave me no choice but to pursue legal action to ensure my rights are upheld. I am prepared to take all necessary steps to mitigate the damage caused by this violation. 
I expect a prompt response to this dispute and request for removal of inaccurate information. Please confirm in writing that TD Auto Finance has initiated the necessary actions to correct this matter within 30 days of receiving this letter. Failure to do so will leave me with no alternative but to escalate this matter and seek legal remedies. 
Thank you for your immediate attention to this serious matter. I trust that you will handle this dispute in a timely and appropriate manner. Please consider this letter as notice of my intent to exercise all rights and remedies available to me under the law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation