Consumer complaint received 2019-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (FL)

XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXXXXXXXXXX XXXXI am writing in regards to the above-referenced debt NORDSTM/TD ACC#XXXX to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Respond  As a victim of identity theft  (meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver's license numbers, in order to impersonate someone else) I have provided  relevant information about my Identity Theft Report. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623(a)(6)(A),you must not allowed  the furnisher may not continue to report that information to any CRA. FCRA § 623(a)(6)(A), 15 U.S.C. § 1681s- 2(a)(6)(A). Second, under FCRA section 615(f), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA § 615(f), 15 U.S.C. § 1681m(f).As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, a copy of which is enclosed, I am requesting that the item(s) be removed  to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question  Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. §1692(c). Thank you for your attention to this matter• You cannot add interest or fees except those allowed by the original contract or state law. • Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business BureauI have disputed this debt. Therefore, until it is validated, your informationconcerning this debt is assumed to be inaccurate. Accordingly, if you havealready reported this debt to any credit-reporting agency (CRA) or Credit Bureau(CB), then you must immediately inform them of my dispute with this debt.Reporting information that you know to be inaccurate or failing to reportinformation correctly violates the Fair Credit Reporting Act § 1681s-2. Should youpursue a judgment without validating this debt, I will inform the judge and requestthat the case be dismissed based on your failure to comply with the FDCPA.XXXX, XXXX XXXXSOC SEC # XXXX-XXXX-XXXX DOB XX/XX/XXXXXX/XX/XXXX, FL XX/XX/XXXX