Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
To Whom It May Concern, Target Card Services. This letter serves as a formal demand for the immediate removal of an erroneously reported late payment on my consumer file. I have tried multiple times to get removed from the account, but no ones helping. Regardless, if Im a authorized user or the card holder After careful review of the applicable federal statutes, it is clear that your continued reporting of this information constitutes several grave violations of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). 1. Noncompliance with 15 USC 1681e ( b ) Failure to Maintain Maximum Accuracy : According to 15 USC 1681e ( b ), it is your legal duty to follow reasonable procedures to ensure maximum possible accuracy when reporting consumer information. The continued presence of this inaccurate late payment on my credit report demonstrates a blatant disregard for this requirement, constituting willful noncompliance. 2. Violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) Improper Reporting of Non-Reportable Transactions : Additionally, under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), transactions or experiences between a consumer and creditor are not considered consumer reports unless authorized by the consumer. The late payment being reported stems from such a transaction and, as such, should not have been shared with any credit reporting agency. Y our failure to obtain proper authorization for the dissemination of this information is a further violation of my rights under the FCRA. 3. Violation of 15 USC 6802 Unauthorized Disclosure of Nonpublic Personal Information : Further, as a financial institution governed by 15 USC 6802 under the Gramm-Leach-Bliley Act, you are prohibited from disclosing nonpublic personal information to third parties without my express consent. Y our unauthorized dissemination of this erroneous late payment represents a violation of my privacy rights, making you liable for any damages caused. Legal and Financial Consequences : Y our ongoing failure to adhere to these legal mandates exposes you to serious penalties. Under 15 USC 1681n, you may be liable for statutory damages ranging from {$100.00} to {$1000.00} per violation for willfully violating the FCRA, in addition to actual damages I have suffered. Given the egregious nature of your noncompliance, I may also seek punitive damages to the full extent permitted by law, to punish and deter this willful misconduct. These punitive damages, combined with my actual damages for emotional distress, may be substantial. The emotional distress, mental anguish, and financial harm caused by your disregard for accuracy in reporting have been significant. The persistent erroneous reporting has impeded my ability to secure credit and has had a damaging effect on my financial stability. I reserve the right to pursue legal remedies that include compensation for emotional distress, pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ). Immediate Action Required : To avoid further escalation, I demand that : 1. Y ou immediately cease reporting the inaccurate late payment to XXXX, XXXX, and XXXX. XXXX. You remove the erroneous information from my credit file across all major credit reporting agencies. 3. You provide written confirmation of the removal within 30 days of receiving this letter

Company response to consumer: Closed with non-monetary relief