Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (TX)

On XX/XX/2022, I was notified by XXXX and XXXX that a new inquiry had been detected. I had not recently attempted to open any new accounts. After further reviewing my credit report, I noticed that there was an inquiry reported from TD Retail Card Service through XXXX on XX/XX/2022. This was clearly not from me. There was also a new account that had shown up on my credit report through XXXX by the name of XXXX XXXX on XX/XX/2022. 
I immediately contacted XXXX on XX/XX/2022 because I pay for their monthly monitoring services. The customer service rep helped me to contact XXXX via three way calling. The person in the fraud department was very understanding and stated that there had been a lot of this happening around the holidays. She assured me that they could get the account closed and taken off my credit report and she would start the investigation. She said that she would send paperwork my way as soon as possible. 
Weeks went by that I had not received anything from XXXX in regards to my fraud claim but my credit report was not affected negatively so I assumed it was either rectified or still being investigated. 
In XXXX, I received a notification from XXXX that I had an account that was 30 days past due and my credit scores started to plummet. I contacted XXXX and they told me that my original dispute had been closed because they never received the appropriate paperwork back. I told them that I had never received any paperwork from them to complete and return. They confirmed that they had the incorrect home address to send it to but that there was nothing they could do because once the dispute is closed, its closed and Id have to pay the balance on the account. It was considered to be my account and I was responsible for it. I hung up with that person and called back and was able to speak to another person that understood and reopened a dispute. She corrected the address and told me that paperwork would once again be sent out. 
A few days later, I received a letter stating that the dispute had been closed and it was determined that it was my responsibility. They included the receipts of items that were purchased under this account and sent to an apartment, where I don't live, under my name. 
I went back to my credit report and noticed that this apartment address was listed as a previous address. I have never lived at this address. 
I have sent several letters to TD Bank and have contacted XXXX and they continue to close my disputes, without notifying me, saying that this is my activity on this newly opened account, apparently by me. 
This is not my account and I did not receive any goods for the {$3100.00} that was charged on this fraudulently opened account. 
I have filed a police report and a identity theft report with the federal trade commission. Why would I go through all of this trouble if I opened this account and purchased goods myself?