Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (IL)

I have disputed the following accounts after being XXXX from XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX TD Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As of today, XX/XX/XXXX, all three accounts are being reported with balances after all 3 accounts were XXXX in XXXX  XXXX bankruptcy. On XX/XX/XXXX after disputing these 3 accounts for the last 7 months, XXXX sent me a notification that all 3 accounts was certified by the companies that they are reporting correctly. This is false information according to case law, after the accounts are XXXX in bankruptcy there should show no debt owed and XXXX in bankruptcy with XXXX balance. Please see the XXXX report that will be attached with this complaint. The XXXX  XXXX Statement of Intent for Individuals Filling under XXXX  XXXX, it states that account Select Portfolio Servicing continue to make regular payments without reaffirmation. I have disputing these accounts with XXXX, XXXX and XXXX and all 3 of these corporations are violating my consumer rights without conducting a thorough investigation under the 15USC1681 ( i ) A. On XX/XX/XXXX, the order of XXXX was sent to all 3 of these companies informing them that the debt was XXXX. Please see the exhibits that will be uploaded with this complaint. As a result of inaccurate reporting by these 3 companies, I have been denied credit for my business and has caused personal emotional stress. 

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The listed above accounts : Account Name : TD Auto Finance Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following : items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Invasion of privacy involves the infringement upon an individual 's protected right to privacy through a variety of intrusive or unwanted actions. Under the umbrella of invasion of privacy, there exist several legal claims that can be brought by the aggrieved party, such as intrusion on seclusion, public disclosure of private facts, false light, and appropriation. While each of these claims concerns a different form of invasion of privacy, they all hinge on the common thread of an unwelcome or unauthorized intrusion upon a person 's private life. 

XXXX v. United States is often cited in the context of defining the parameters of invasion of privacy. In this case, the U.S. Supreme Court held that the Fourth Amendment 's prohibition on unreasonable searches and seizures extended to protecting someone's reasonable expectation of privacy. This ruling helped to establish the notion that privacy is a fundamental right that the legal system is designed to safeguard. 

The following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD Auto Finance has engaged in a serious discriminatory practice by consistently reporting inaccurate information to the credit reporting agencies and the failure of the credit reporting agencies adhering to the Fair Credit Reporting act under the Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress make the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of banking system.

607 Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.