Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I do not agree with Target Card Services response, a

nd it does not resolve my complaint. I am submitting this feedback as part of a new case, because the company closed the prior matter without correcting inaccurate credit reporting or complying with identity-theft protections. The underlying issue remains unresolved. Targets response relies on internal conclusions and account history rather than the legal standards required under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). As a result, the fraudulent tradeline continues to appear on my credit reports and continues to cause harm. TARGET FAILED TO PROPERLY ADDRESS IDENTITY THEFT I clearly stated that I do not own this Target account and that I filed an Identity Theft Report with the Federal Trade Commission ( FTC ). This is not a payment dispute or a request for billing clarification. It is a formal identity theft dispute.

In its response, Target confirms that it reviewed my claim and chose to deny the fraud claim, stating that : The account ending in XXXX was opened on XX/XX/XXXX Payments were made on the account The account was charged off on XX/XX/XXXX, with a balance of {$400.00} Target believes the reporting is accurate These statements do not establish that I opened or authorized the account. Fraudulent accounts frequently show activity because they were used by a third party. Transaction history and internal payment records are not proof of consumer authorization.


Targets response does not explain why the account was not blocked and deleted after notice of identity theft, as required under 15 U.S.C. 1681c-2 ( FCRA 605B ).

INTERNAL RECORDS DO NOT SATISFY FCRA VERIFICATION REQUIREMENTS Targets letter relies entirely on internal records and states that the account history reflects payment behavior. However, Target has not provided : A signed credit card application A signed cardholder agreement Proof of identity verification at account opening Evidence that I personally applied for or authorized the account Any documentation rebutting the FTC Identity Theft Report Under the FCRA, internal conclusions are not sufficient when identity theft is alleged. A furnisher must have a reasonable basis to conclude that the account is not the result of identity theft. Targets refusal to provide documentation while continuing to report the tradeline does not meet this standard. 

IMPROPER RELIANCE ON ACCURATE REPORTING LANGUAGE Target states that it must report accurate information regardless of whether that information is positive, neutral, or negative. This statement misapplies the law. 

The FCRA does not require reporting information that is inaccurate due to identity theft. Accuracy under the FCRA includes whether the account belongs to the consumer at all. If an account was fraudulently opened, continued reportingeven if internally consistentis inaccurate and unlawful. 

REFERRAL TO CREDIT BUREAUS DOES NOT RESOLVE THE ISSUE Targets response instructs me to contact Experian, TransUnion, and Equifax. This deflects responsibility. As the data furnisher, Target is independently responsible for ensuring the accuracy of the information it reports and for blocking identity-theft-related information once notified.

Directing me back to the bureaus does not resolve the inaccurate reporting at its source. 

CONTINUED REPORTING IS CAUSING ONGOING HARM Because Target continues to report this account as a charge-off with a balance : I am falsely represented as having defaulted on a Target credit card A charge-off tradeline remains visible to lenders My credit score continues to be negatively impacted I am treated as a higher-risk borrower for an account I never opened This harm continues solely because Target has chosen not to apply identity theft protections. 

THE ATTACHED LETTER CONFIRMS THE DISPUTE REMAINS UNRESOLVED The attached Target correspondence dated XX/XX/XXXX, and the earlier XX/XX/XXXX fraud denial letter, confirm that Target denied my fraud claim and chose to continue reporting the account as charged off XXXX XXXX CFPB XXXX XXXX. These letters do not provide proof of authorization and do not comply with FCRA identity-theft requirements. 

WHAT REMAINS UNRESOLVED As of now : The Target tradeline remains on my credit reports The charge-off and balance remain reported No proof of authorization has been provided Identity theft blocking under 605B has not been applied This is not a resolution.

WHAT I AM REQUESTING CFPB ASSISTANCE WITH I am requesting CFPB assistance to ensure that Target Card Services : Blocks and deletes the fraudulent tradeline under FCRA 605B Removes all charge-off and derogatory reporting Ceases reporting this account to all credit bureaus Provides written confirmation of deletion Stops relying on internal records in place of required proof I am not requesting payment options, settlement, or cease-and-desist. 
I am requesting full deletion of a fraudulent account. 

CONCLUSION Targets response relies on internal records, ignores identity theft protections, and leaves inaccurate credit reporting intact. The attached letters confirm that the fraud claim was denied without proof of authorization and without compliance with FCRA 605B.

Until the Target tradeline is removed and deleted, this issue remains unresolved.

Company response to consumer: Closed with explanation