Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I am disputing the continued reporting of my XXXXXXXX XXXX XXXXXXXX account , which was closed and charged off in XX/XX/XXXX XXXX TD Bank USA, as the furnisher, and XXXX, as the consumer reporting agency, are reporting this account in a manner that is false, misleading, and legally noncompliant. Despite repeated disputes, both parties have failed to conduct a reasonable reinvestigation and continue to refresh the tradeline in XXXX, making a XXXX charge-off appear as if it were current derogatory activity. 

Violations by TD Bank USA ( Furnisher ) 1. FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information that is inaccurate or incomplete. 
Reporting Terms : XXXX XXXX on a charged-off and closed account is factually impossible. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX years after charge-off misrepresents account status.

2. FCRA 623 ( a ) ( 5 ) Failure to report the correct Date of First Delinquency ( DOFD ). 
Payment history shows first delinquency XX/XX/XXXX, yet reporting has been inconsistent, and removal is pegged to other dates.

3. FCRA 623 ( b ) Failure to conduct a reasonable investigation after receiving notice of dispute from a CRA. 
TD Bank repeatedly marks my disputes as duplicates even when I provide new factual issues and evidence.

4. Metro 2 Standards Noncompliance with industry reporting guidelines. 
Closed/charged-off accounts must reflect a XXXX scheduled payment and not show terms of repayment or rolling past due balances. 

Violations by XXXX  ( CRA ) 1. FCRA 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy. 
TransUnion displays contradictory fields ( charge-off but paid monthly ), XXXX XXXX XXXX XXXX and continues to refresh the tradeline in XXXX. 
2. FCRA 1681i Failure to conduct a reasonable reinvestigation.

TransUnion merely states Verified as accurate and updated historical trended data, without addressing the specific factual errors raised. 
Failure to provide a meaningful description of procedures as required under FCRA 611 ( a ) ( 6 ).

Case Law Supporting My Claims XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : CRAs can not rely solely on furnisher verification ; they must conduct an independent reasonable reinvestigation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Furnishers must conduct a reasonable investigation of disputes forwarded by CRAs. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) : Reporting misleading information, even if technically accurate, can violate the FCRA. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX ) : Reporting a debt in a way that creates a materially misleading impression can be an FCRA violation. 
XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) : Reinforces that even lawful debts must be reported in a way that is not misleading. 

Harm Suffered Credit Score Suppression : Ongoing XXXX updates to a XXXX charge-off artificially depress my scores by making the derogatory appear recent.

Credit Denials and Higher Costs : I have been denied new credit and subjected to higher risk-based pricing due to an inaccurately coded major derogatory. 
Disproportionate impact : As a XXXX XXXX  with no income or assets, I have fewer resources to offset the damage. These inaccuracies block my ability to rebuild credit and limit access to affordable financial products. 
XXXX  XXXX and Time Lost : I have spent significant time filing disputes, CFPB complaints, and gathering documentation, only to be met with unlawful duplicate dismissals.

Loss of Fair Credit Opportunity : The inaccurate reporting extends the life of this derogatory beyond what is permitted under the FCRA, delaying my ability to rehabilitate my credit.

Company response to consumer: Closed with explanation