Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
What happened in this situation is a clear case of identity theft, unauthorized use of my personal information, and the reporting of an account that does not belong to me. The Target/TD Bank account currently appearing on my credit report was not opened by me, was not authorized by me, and does not reflect any legitimate financial activity that I engaged in. I have never opened, used, applied for, managed, or knowingly had any involvement in a Target/TD Bank credit card or retail account. Its presence on my credit file is the result of criminal misuse of my information, and I have formally taken the appropriate steps required under federal law to dispute and document this fraud. 

I have already filed an FTC Identity Theft Report and a formal identity theft affidavit, confirming that this account is the result of unauthorized activity. I have also notified the credit bureaus and the furnisher that this account is fraudulent and must be removed under the Fair Credit Reporting Act ( FCRA ). I am creating this new case because the previous case did not result in proper correction, removal, or acknowledgment of the fraudulent nature of this account. This filing is intended to clearly document the facts, provide full compliance-related information, and ensure the company and credit bureaus understand that I do not own this account and am not responsible for any transactions, balances, late payments, or negative activity connected to it. 

1. I Have Never Applied for or Opened a Target/TD Bank Account At no time did I complete a credit application, enter into an agreement, consent to terms, initiate an online request, or provide authorization for a Target/TD Bank account. I have no history of attempting to obtain credit with Target, nor have I used a Target credit card for any purchase. I have not received emails, letters, physical cards, billing statements, or account updates that would come from a legitimate account holder relationship. 

When I discovered this account on my credit report, it immediately raised red flags because it did not match any legitimate activity I have ever conducted. The fraudulent nature of the account is consistent with patterns of identity theft in which an unauthorized individual uses stolen information to open retail credit accounts without the victims knowledge. This appears to be exactly what happened here. 

2. The FTC Identity Theft Report Confirms the Fraudulent Activity Once I realized this account was fraudulent, I immediately filed an official FTC Identity Theft Report, which is recognized under federal law as legal documentation of identity theft. This report establishes : I did not open the Target/TD Bank account I did not authorize the account I did not make any purchases connected to the account I am disputing the account under FCRA identity-theft protections I am requesting the full removal of this fraudulent information Under FCRA 605B ( Block of Information Resulting From Identity Theft ), once a consumer submits an FTC Identity Theft Report, the furnisher and bureaus are required to block and remove all information connected to the identity theft. Despite fulfilling this requirement, the account remains on my credit file, which is why I am escalating this matter through the CFPB. 

3. This Fraudulent Account Has Caused Serious Harm to My Credit Profile This Target/TD Bank account has negatively impacted my credit in multiple ways : A. Lowered credit score The presence of derogatory information including late payments, delinquency status, or charged-off activity that I did not cause has lowered my credit score. This harms my ability to obtain legitimate credit, rental opportunities, important financial products, and even employment opportunities that consider creditworthiness. 

B. False representation of my payment history This fraudulent account creates the appearance that I mishandled credit, which is not accurate. I did not incur the debt, did not create the balance, and did not miss payments because I never opened the account in the first place. 

C. Increased credit utilization Any balance reported on the fraudulent account inflates my utilization ratio, which unfairly penalizes me under credit scoring models.

D. Long-term damage to my credit file The continued reporting of fraudulent information affects my financial future. If the account is not removed promptly, the damage compounds over time.

Under FCRA 602, consumer reporting agencies must maintain the maximum possible accuracy of information. Reporting fraudulent accounts violates that obligation.

4. My Dispute Actions Have Fully Complied With Federal Law I have followed every step required under the FCRA and FTC guidelines to dispute the fraudulent Target/TD Bank account : Filed an FTC Identity Theft Report Submitted disputes to the credit bureaus Alerted the furnisher ( Target/TD Bank ) that the account was fraudulent Requested validation and documentation proving I supposedly opened this account Placed fraud alerts and security protections on my credit file Notified all parties that I never authorized nor used the account Despite my compliance, the information remains on my credit report. This continued reporting appears to violate the FCRA, particularly : FCRA 605B Identity theft blocking requirement FCRA 611 Reasonable investigation requirement FCRA 623 ( a ) ( 6 ) Furnishers must stop reporting fraudulent information FCRA 623 ( b ) Furnishers must correct and remove inaccurate data I am requesting CFPB involvement because the furnisher and credit bureaus have failed to carry out their legal obligations to block and remove fraudulent information despite having all documentation needed to do so.

5. The Furnisher Has Not Provided Any Proof That I Opened This Account Under the law, a furnisher must be able to provide : Signed application IP address logs Proof of identity verification Device fingerprinting Phone number or email associated with the application Delivery address for card activation Transaction history linking the activity to me None of this evidence has been provided.

This is because I never opened the account.

Any attempt by the furnisher to verify the account without providing documentation is inadequate and non-compliant under FCRA 611 ( a ) ( 1 ) ( A ), which requires a reasonable investigation, not an automated verification.

6. The Presence of This Account Strongly Indicates Identity Theft Identity theft often occurs when fraudsters : Use stolen personal information to open retail credit cards Immediately make unauthorized purchases Abandon the account, leaving the victim with delinquency and charge-offs Never pay the balance, causing the victims credit to suffer This Target/TD Bank account matches this pattern exactly. I became aware of the fraudulent activity only after reviewing my credit report. I had no prior knowledge of : The application The card approval Any transactions Any billing statements Any payment obligations This confirms the account was created by an unauthorized third party.

7. I Am Not Financially or Legally Responsible for This Fraudulent Account Under federal identity theft protections, I am not liable for : The balance on the fraudulent account Any interest or fees Any missed payments Any negative scoring impacts Any collections activity Any reporting to credit bureaus Because I did not open this account, I am not and can not be held responsible for any part of it.

8. I Am Requesting Full and Immediate Removal of the Account I am submitting this CFPB case to request a lawful and fair resolution. That resolution requires : A. Immediate deletion of the Target/TD Bank account from all credit bureaus This account is fraudulent and must be removed permanently.

B. Blocking of all related information under FCRA 605B Once blocked, the account can not remain on my file.

C. Furnisher correction and notification requirements under 623 Target/TD Bank must notify all bureaus to delete the account.

D. Confirmation that no collection activity will continue Because the debt is fraudulent, no collector should pursue it.

E. Prevention of reinsertion Under 611, deleted fraudulent information can not be reinserted unless the furnisher provides legitimate documentation which does not exist.

9. This Complaint Serves as Formal Notice That the Reporting Is Incorrect I want to clearly state again : I do NOT own this Target/TD Bank account I did NOT authorize it I did NOT create any transactions I did NOT agree to any terms or credit obligations I filed an FTC report documenting identity theft I followed all steps required by law I am requesting full removal because the information is false This account is the result of identity theft and must be deleted.

10. Conclusion What Happened and Why This Must Be Corrected In summary : A fraudulent Target/TD Bank account was created using my stolen personal information.

I never opened or authorized the account.

I filed an FTC Identity Theft Report confirming the fraud.

I notified all bureaus and the furnisher.

Despite this, the account remains on my credit report.

The continued reporting violates the FCRA and harms my credit profile.

I am not responsible for the account, balance, or negative reporting.

Federal law mandates that fraudulent accounts be blocked and removed.

I am requesting immediate deletion of the Target/TD Bank account and all related derogatory information.

This is the only lawful and fair resolution.

Company response to consumer: Closed with explanation