Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. TD Bank ( XXXX XXXX ) is reporting a fraudulent account ending in XXXX to my credit report without my authorization or consent. I have never opened, used, benefited from, or approved this account in any way. My identity was stolen and used for fraudulent purposes and I am the one suffering the consequences. 

I submitted all the required identity theft documentation, including a sworn affidavit, FTC Identity Theft Report, and XXXX Police Report # XXXX. Despite this, TD Bank has ignored my documentation, refused to delete the account, and continues to report this information as valid. They have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ), especially : 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation 15 U.S.C. 1681c-2 ( Section 605B ) Failure to block fraudulent information after identity theft was reported 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known to be false California Civil Code 1798.92 et seq. Refusal to correct identity theft records Gramm-Leach-Bliley Act ( GLBA ) Failure to safeguard nonpublic personal information Defamation of credit Knowingly reporting false and harmful data TD Banks only response was to imply that the account was valid because payments were once made. However, this is not a legal basis to deny an identity theft claim. Federal law and case precedent are clear : the fact that someone made a payment does not prove the account is legitimate. ( See Valentine v. First Advantage Saferent , Inc., 2009 WL 4349694. ) They never provided : A copy of the original application Any signed contract IP address or metadata used to open the account Any internal investigation notes This shows a complete failure to investigate as required by law. They did not verify with the original system or database. If they are using third-party software to " verify '' without actual records, this is a procedural FCRA violation. A real investigation includes checking actual data not just relying on automated systems. 

Also, I never lived at the address associated with this account. Specifically, XXXX XXXX XXXX is not and has never been my residence. Including this address in my file is further evidence of fraud and mishandling. 

I first notified TD Bank in early XX/XX/XXXX, and my affidavit of truth and legal demand was sent on XX/XX/XXXX, and went unrebutted. They had more than enough time to act and delete this account. Their continued inaction has caused financial, emotional, and reputational harm. I have lost housing opportunities and the ability to secure vital credit due to this ongoing defamation of my name. 

I take this matter seriously and will use any and all evidence, along with every legal remedy available, to clear my good name and correct the defamation that this fraudulent account has caused. TD Banks continued negligence and willful noncompliance will not be ignored. I respectfully request that the CFPB enforce all appropriate remedies and require the immediate and permanent deletion of this account from all consumer reporting systems

Company response to consumer: Closed with explanation