Consumer complaint received 2024-10-11 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: AZ

Complaint narrative:
TD BANK USA/TARGET The company 's actions of listing a {$260.00} debt as a charge off with many many late payments this car was paid on time every month, it was never late and it was never over the limit by listing it as a charge off in XX/XX/year> is taking a significant over XXXX point client declined in my credit and needs to be fixed so I will be taking legal action I've had enough of these credit card companies bullying people and the credit report agencies OPERATING SYSTEMATIC XXXX  AGAINST XXXX XXXX  TRYING TO REPAIR THEIR CREDIT AND FIX INCORRECT ISSUES STATISTICALLY CORRECTIONS ARE MADE FOR XXXX  XXXX  AND XXXX  XXXX  MORE THAN XXXX XXXX  WHOSE DEBTS ARE CONSIDERED TO BE VALID NO MATTER WHAT THE PROOF AND I'M WORKING ON GETTING AN ATTORNEY TO DO A CLASS ACTIONS OF ALSO REPORTED THIS TO THE ATTORNEY GENERAL AND THE EEOC may violate several laws, depending on the specific circumstances : * Fair Debt Collection Practices Act ( FDCPA ) : If the company is attempting to collect a debt that they know is invalid, they may be violating the FDCPA. This law prohibits debt collectors from using unfair, deceptive, or abusive practices to collect debts. 
I sent 12 letters for validation of debt and have received none XXXX XXXX XXXX XXXX and FTC has also asked them and XXXX is that invalid only experience in these rental companies XXXX and XXXX have continued to violate my rights and I'm putting you on notice that I will go gladly join the trash action suit as well this looks like a XXXX Monopoly attempt to continue to keep XXXX people 's credit under a certain rating and I'm almost positive there's going to be a class action lawsuit because it's easier for XXXX  people to clear their credit and be believed then the average XXXX XXXX  and an attempt to keep our scores as low as possible and put us in an economic SYSTEMATIC RACISM AND PREVENT US FROM CORRECTING WRONGS. THIS IS NOT A DIRECT VIOLATION OF THE US CONSTITUTION AND FCR A ACTIONS. 

* State laws : Many states have their own laws that protect consumers from unfair debt collection practices. These laws may provide additional remedies for consumers who have been harmed by a company 's actions. 
* Consumer Reporting Act ( CRA ) : If the company is reporting inaccurate information to credit bureaus, they may be violating the CRA. This law requires credit bureaus to provide accurate and complete information to consumers. 
* State consumer protection laws : Some states have general consumer protection laws that prohibit businesses from engaging in unfair or deceptive practices. These laws may provide additional remedies for consumers who have been harmed by a company 's actions. 
If you believe that a company has violated your rights by reporting an invalid debt to credit bureaus, you may want to consult with an attorney to discuss your legal options. 


Im not sure that the exact dates but I actually went into Target and I had a {$300.00} credit limit I returned a computer that was {$29.00} {$7.00} which left for balance of XXXX dollars to which I paid in cash in the store in XXXX Arizona on XXXX XXXX and XXXX. Ever since then these XXXX XXXX wherever it is country is based at have been extorting a bill adding late charges when the account was paid in full it was never late nor did I close it nor is it a charge off and it is negatively impacting my life and I have tried to dispute it every other month for the last 4 year to no avail and on XXXX XXXX I disputed it with innovation or innovations arrow and all of the four smaller credit bureaus that the larger three credit bureaus used about verify and validate dates according to USC 1592 paragraph 8 through g in the fcra the incorrect data continues to appear on my credit causing me and my family financial trauma Financial ruin Financial devastation mental health issues XXXX XXXX  homelessness issues because of this lie where people ran a XXXX cent left on a bill up to XXXX in order to ruin my credit it's another non-american extortion tactic holding my credit score in lieu of a false payment due I requested a debt validation once a year for the last 3 years and have not received one also complain to the XXXX XXXX XXXX  as well as all of the credit reporting bureaus

Company response to consumer: Closed with explanation