Consumer complaint received 2022-01-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
*** REVISED*** PLEASE DO NOT DELETE THIS COMPLAINT The vehicle in question was never delivered to me the vehicle was delivered to a gentleman who worked on my credit back in 2018. Prior to purchasing my home in late 2018 I needed to build and repair my credit I contacted a gentleman who claimed to be " XXXX XXXX '' XXXX assisted me in building my credit well over XXXX 's and I was very happy with his service. Shortly after the purchase of my home XXXX stayed in touch and would tell me about his success in leveraging his high credit score to sign and drive vehicles and he had great connections at XXXX XXXX. I did not make a commitment to going into business with him but I was interested in signing and driving a XXXX. I did order the vehicle and the vehicle was to be delivered to my home at XXXX XXXX XXXX but once I signed for the vehicle that ddid not happen.Some how the vehicle was delivered to him which I dd not authorize or consent the dealership to do so XXXX shortly after confirmed that he was in receipt of the vehicle which upset me but he smoothed it over as a misunderstanding and he thought that I wanted him to the rent the vehicle. I contacted the XXXX XXXX Police Department and they stated that because I was never in possession of the vehicle I could not report it stolen I contacted the XXXX Police Department and I was told the same thing so I was put in the position to play it cool until I could figure out a way to get the vehicle returned because shortly after he notified me that he had the vehicle he became extremely hard to get in contact with and doing more research I found out that his name was not even XXXX XXXX. When I called XXXX XXXX they did investigate the issue with the delivery of the car who was done by a sales representative name XXXX and they are aware of who XXXX XXXX is but to protect themselves they pretty much just gave me the run around about what could be done to take the car out of my name. XXXX did pay the car note on the vehicle according to TD Auto Finance but at some point he stop making the payments and stop answering my calls overall so once the vehicle started to hurt my credit I reached out to my realtor to see if she could make contact and she was able to track him down and let him know not only was this fraud but that I would seek legal action he himself would not return the vehicle he made arrangements with some friend of his to drop the vehicle off to my home which is how I ended back up in possession of the vehicle. I have contacted TD Auto Finance to only get the run around from them and some representatives just dropped the line when I asked too many questions in regards to the loan. I have reached out to the credit bureau 's completed the identity theft affidavit and the account was removed from all of the bureau 's except XXXX. I have filled a XXXX complaint and the account still has not been removed from XXXX. The most helpful rep I spoke to was XXXX ( XXXX ID XXXX ) based on our conversation it came to my attention that XXXX had updated the account to only have his contact numbers the original number on file was XXXX and he then later changed the number to XXXX. XXXX which has never been my telephone number and also means that he made calls to TD Auto Finance and used my information to verify the account. I called in to TD Auto Finance and spoke to a XXXX XXXX He advised that there is nothing TD Auto Finance can do and that my best recourse would be to hire an attorney and sue XXXX XXXX which I am still in the process of exploring because when I call XXXX XXXX they now state that XXXX the sales rep no longer works there and now they transfer me to XXXX XXXX who then tells me to go back to them. I have done further research and I have found out that " XXXX XXXX '' real name is " XXXX XXXX '' and he is a career criminal who has spent time in the federal prison for identity theft. TD Auto Finance believes that I am responsible for this vehicle because I signed for the loan but I also have never been in possession of the vehicle due to fraud which should make our contract null and void in connection to the dealership failing to deliver the car to me. The police departments would not allow me to report the car as stolen because it was never in my possession and TD Auto Finance still hold me liable for a purchase that was never completed. When I purchased my home after I signed for my loan I received the house I did not receive the XXXX when I signed the loan for the vehicle. XXXX XXXX has used my personal information to alter the account and channel communication to himself instead of myself which is both fraud and identity theft. Please see the attached identity theft affidavit, letters, XXXX XXXX criminal record for previous identity theft, and as of today instead of reporting this matter as auto theft I have filed a new police report claiming identity theft instead. ADDITIONAL INFO : Please see that XXXX XXXX switched the contact information including the address to his address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX which matches the address on his criminal charges which I have also attached he was formerly charged with XXXX XXXX XXXX and Personal Use of ID. The application of TD Auto Finance records is not the application that I completed the signature does not belong to me. The telephone number does not belong to me as mentioned earlier I have never had a XXXX. I have never worked for XXXX University I am 100 % XXXX XXXX Veteran. Please compare signatures from my ID and XXXX.

Company response to consumer: Closed with explanation