Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
This is my second attempt to resolve this matter with XXXX XXXX XXXX utilizing the help of the Consumer Financial Protection Bureau. Below my complaint and information, I will also provide a full quoted statement from my previous claim submitted.

Dear Consumer Financial Protection Bureau, I am writing to submit a formal rebuttal and follow-up regarding my original complaint filed against XXXX XXXX XXXX , who is handling an account on behalf of TD Bank/Target . 

Despite your office forwarding my complaint to them and the firm acknowledging receipt of the matter, it has now been over 60 days with no meaningful resolution or corrective action from their legal team. 

Key unresolved issues : XXXX XXXX failed to provide any solution to address the continued derogatory credit reporting tied to this account.

The firm previously denied having possession of my account for years, only to discover it was in their possession after the CFPB complaint was filed.

Since that time, I have received no written plan, no offer of resolution, and no communication confirming contact with TD Bank to address the inaccurate and harmful reporting.

My credit score continues to be negatively affected, and I have had no opportunity to settle, resolve, or dispute the debt properly through their office.

Request for CFPB Action : I respectfully request that the CFPB reopen and escalate this matter based on : Lack of timely resolution from the company Ongoing damage to my credit report Potential negligence or misrepresentation by XXXX XXXX XXXX Additionally, I would like to formally request that XXXX XXXX and TD Bank be required to : Remove all derogatory marks related to this account from all three credit bureaus dating back from the exact time XXXX XXXX gained possession of this account because they never gave me the opportunity to resolve this debt. 

Provide a detailed timeline of when XXXX XXXX took possession of the account I understand that XXXX XXXX does not directly report to the 3 bureaus but it is because of their negligence and malpractice that has allowed TD Bank to continue to report negatively on my credit report under " derogatory '' Thank you for your continued support and for protecting consumers from predatory and negligent financial practices. Please let me know if any further documentation is needed on my end. 

First complaint case ID : XXXX Exact statement from this case below : I am disputing a {$2000.00} collection account that appears on my credit report. The debt is listed under my name, yet neither Target/TD Bank nor the firm XXXX XXXX XXXX collection agency will confirm that they own it, validate it, or provide any documentation to support the reporting of this account. Target/TD Bank continues to claim they no longer manage this account and is with XXXX XXXX their third party collections firm. XXXX XXXX continues to claim this account was closed a long time ago, they no longer manage the account, and was sent back to TD Bank. I have attempted to resolve and dispute this account/debt with both parties NUMEROUS times and neither of them seem to know where this account is and claim the other party has it. Within the last year and a half, I have made at least 2 calls a month to both Target/TD Bank and XXXX XXXX to resolve this issue and have been given the same repeated answer that neither of the parties are handling the account. This has done nothing but destroy my credit with continuous negative " derogatory '' marks month after month from TD Bank. I requested proof in writing that they no longer manage or own the debt, but both parties refusedsaying it belongs to their client and they can not release that information, despite the fact that it is reported under my name and Social Security number and is negatively impacting my credit. This violates my rights under : The Fair Credit Reporting Act ( FCRA ), which requires accurate and verifiable information The Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to validate debts upon request I am requesting that this account be removed from my credit reports immediately, as it is unverifiable and no party will claim ownership. What I am requesting : Immediate deletion of the collection item from all credit bureaus Written explanation of who owns this debt and who has legal authority to report it A full investigation into the credit bureaus verification process.

Company response to consumer: Closed with explanation