Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Dispute of Charge-Off Reported by Nordstrom/TD Bank USA SSN ( last 4 digits ) : XXXX Date of Birth : XX/XX/XXXX Account Number : XXXX Dear XXXX XXXX XXXX  Department, I am writing to formally dispute an entry on my credit report regarding a charge-off reported by Nordstrom/ TD Bank USA. Under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and provide verification of the accuracy of the charge-off. Specifically, I am requesting the following : XXXX. Detailed Payment History Please provide the detailed payment history for the account, including all payments, adjustments, fees, and any changes to the account balance. 

XXXX. Original Agreement or Contract Please provide the original agreement or contract that validates this account, including the terms, conditions, and any amendments or updates to the original agreement. 

XXXX. Evidence of Compliance with Charge-Off Procedures Please provide evidence of compliance with the charge-off procedures as outlined in the applicable regulations and Nordstrom/TD Bank 's internal policies . This includes proof of notification ( such as letters or communications ) sent to me regarding the charge-off, as well as any documentation showing that the charge-off was processed according to industry standards.

The charge-off listed by Nordstrom/ TD Bank USA appears to be inaccurate because the charge off date the information being reported on my credit report indicates a charge-off status beyond the correct date, which I believe is both misleading and inaccurate.

If the furnisher, Nordstrom/TD Bank USA , is unable to provide sufficient evidence to support the current reporting of this account, I respectfully request that XXXX delete or correct the erroneous information immediately to ensure that my credit report accurately reflects my credit history. 

Should XXXX fail to respond appropriately or resolve this matter within the time frame required by law, I will consider escalating my concerns by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I trust that XXXX will take the necessary steps to ensure full compliance with the Fair Credit Reporting Act and resolve this issue promptly. 

Please find enclosed the following document to support my dispute : A screenshot of my credit report showing multiple charge off dates from Nordstrom/TD Bank USA In accordance with the Fair Credit Reporting Act, I request that XXXX conduct a thorough investigation within 30 days and update my credit file accordingly if the information is found to be inaccurate. Please provide me with a copy of the results of your investigation once completed. 

I respectfully request that you confirm receipt of this letter and notify me of any actions taken. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation