Consumer complaint received 2025-06-17 00:00:00
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
State: MI

Complaint narrative:
I am filing this complaint against Nordstrom/TD Bank USA for multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681g, 1681i, and 1681s-2, in connection with their inaccurate and inconsistent reporting of a charged-off account. Despite several formal disputes submitted directly to Nordstrom and to the credit reporting agencies, the company continues to furnish incorrect data and refuses to take responsibility for the harm their reporting has caused.

The dispute concerns the Date of First Delinquency ( DOFD ) on my account. Nordstrom currently reports the XXXX as XX/XX/year>. However, Nordstroms own communication confirms the account became past due in XX/XX/year> when the payment due on XX/XX/year> was missed. A second payment was missed on XX/XX/year>. Under 15 U.S. Code 1681s-2 ( a ) ( 5 ) ( A ), a data furnisher is required to report the DOFD as the month when the delinquency that led to the charge-off first occurredin this case, XX/XX/year>. The misreporting of this date constitutes illegal re-aging of the debt and extends the time the negative entry remains on my credit file beyond the seven-year limit set by law.

I have exercised my rights under 15 U.S. Code 1681i by filing repeated disputes with the credit reporting agencies regarding this inaccurate information. Each time, Nordstrom failed to properly investigate the matter or correct the inaccurate XXXX, in direct violation of their duty to participate in a reasonable reinvestigation. Instead, they allowed the inaccurate data to persist and continue to harm my credit standing. In several cases, the account was not even marked as disputed, which violates 15 U.S. Code 1681s-2 ( a ) ( 3 ), requiring furnishers to notify the consumer reporting agencies of a dispute within the proper time frame.

Furthermore, under 15 U.S. Code 1681g, I am entitled to receive all information in my file, including the sources of that information and how it was verified. Nordstrom has failed to provide a clear explanation or any documentation validating the date they selected as the XXXX, nor have they offered a sufficient reason why they believe the XXXX date is appropriate when their own records say otherwise. Their non-responsiveness and deflection of responsibility onto the credit bureaus shows a willful disregard for their legal obligations under the FCRA.

The information Nordstrom is furnishing is also inconsistent across Experian, TransUnion, and Equifax. I have identified differences in balance history, charge-off dates, and reporting of delinquent payments that directly violate XXXX XXXX industry standards. Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information that they knowor reasonably should knowis inaccurate. Yet despite multiple disputes and clear documentation showing the correct dates, Nordstrom continues to provide conflicting data to the consumer reporting agencies.

Their behavior is not only unlawful but harmful. Established federal case law including Cushman v. TransUnion ( 115 F.3d 220 ), Dennis v. BEH-1 , LLC ( 520 F.3d 1066 ), and Guimond v. TransUnion ( 45 F.3d 1329 ) confirms that furnishers are liable for failing to conduct meaningful investigations and for furnishing inaccurate or misleading information that harms consumers. Nordstroms conduct meets that threshold. Their refusal to correct their errors, even after repeated notice, demonstrates bad faith and a reckless disregard for federal law.

I am requesting that the Consumer Financial Protection Bureau investigate Nordstrom/TD Bank USA for their violations of 15 U.S. Code 1681g, 1681i, and 1681s-2, and compel deletion of this account from all consumer credit files. The continued inaccurate reporting, failure to reinvestigate, and noncompliance with FCRA and XXXX XXXX obligations is inexcusable. I no longer have confidence in a banking system that permits federally insured lenders to mishandle consumer data without oversight or consequence.

I respectfully ask that the Bureau take enforcement action to hold this institution accountable.

Company response to consumer: Closed with explanation