Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TD BANK US HOLDING COMPANY (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Consumer Financial Protection Bureau ] [ Consumer Response Team ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD BANK USA/TARGET CREDIT for Identity Theft and Multiple Violations of Consumer Protection Laws Dear Consumer Financial Protection Bureau , I am filing a formal complaint against TD BANK USA/TARGET CREDIT for severe violations of consumer protection laws and identity theft, causing significant financial distress and potential harm to my career prospects during a crucial phase of my life. 

Accounts Allegedly Being Collected by : Creditor Information TD BANK USA/TARGET CREDIT XXXX XXXX XXXX XXXX XXXX XXXX  Relevant Consumer Laws and Sections Violated : 15 U.S.C 1681 Section 602 A : Right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Consumer reporting agency can not furnish an account without written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section : Prohibiting the inclusion of adverse information beyond seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibiting furnishing inaccurate information to a consumer reporting agency. 15 U.S.C 1635 : Right of rescission not disclosed as mandated. 15 U.S.C 1602 ( g ) : Defining " creditor '' and recognizing credit granted by the original creditor. 15 USC 1605 : Finance charge violation using a social security number. 15 U.S. Code 1691 : Denial of credit in violation of anti-discrimination laws. 15 U.S. Code 1692 ( e ) ( 8 ), ( 9 ), and ( 10 ) : Violation of Fair Debt Collection Practices Act. 15 U.S. Code 1611 : Criminally liable for willful and knowing violations. 15 U.S. Code 1640 : Liable for actual damages, seeking double the entitled finance charge for each violation. 22 U.S. Code 7102 : Definitions, specifically abuse and threatened abuse of law or legal process. Additionally, non-compliance with XXXX XXXX credit reporting standards is evident. 

I categorically deny opening or authorizing the reported account, flagging it as fraudulent. I hereby request written confirmation absolving me of responsibility for this inaccurate information and urgently insist on the immediate removal of the disputed data from my credit files and public records. 

Enclosed are supporting documents for my dispute. I seek a thorough investigation into TD BANK USA/TARGET CREDIT 's actions, holding them accountable for their egregious violations of consumer protection laws and identity theft. 

In conclusion, I declare my surety power as the beneficiary, emphasizing my inherent rights as a natural human being. I trust that you will promptly address this matter and provide updates on the investigation. Your assistance is crucial in resolving this critical issue. 

Furthermore, I want to make it clear that I am prepared to take this matter to the full power of the court if necessary. I am aware that, under the Fair Credit Reporting Act, you have 30 days to respond to this complaint. I expect your timely response to ensure the protection of my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX