Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Well per the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX XXXX and XXXX as the consumer reporting agencies has decided to continue to violate my consumer rights and so has TD BANK USA/TARGET. I have the right to make sure my private information isn't shared which is supported by 15 USC 6801 which says " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' TD BANK USAXXXXTARGET is a financial institution by definition under that title. TD BANK USAXXXXTARGET has reported to XXXX XXXX and XXXX as a charge off which is a certificate of indebtedness which means is considered income and income can not be report on a consumer report. 15 USC 1681 section 604 a section 2 states that i quote " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The consumer which is me, I did nor do not consent. TD BANK USAXXXXTARGET XXXX XXXX and XXXX the Consumer reporting agency do not have my consent to furnish this information. So again I am writing XXXX XXXX XXXX  and TD BANK USA/TARGET to inform them they do not have my consent whether verbal, non verbal, written, imaged, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states and i quote " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option " XXXX , XXXX and XXXX are definitely third parties. Now that's not lawfully. TD BANK USA/TARGET  never informed me of my right to exercise my nondisclosure option. 15 USC1681 ( c ) ( a ) ( 5 ) says " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account with TD BANK USA/TARGET is an adverse they are reporting without my permission which is hindering me the consumer and is against the law. You know like not lawful. 15 USC 1681s-2 says '' ( a ) Duty of furnishers of information to provide accurate information ( 1  ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' These are the law not my words so i don't know if they don't know the law or just don't care about it. 15 U.S. Code 1681e - Compliance procedures ( a ) " Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX XXXX nor XXXX definitely are not maintaining reasonable procedures. As I mentioned multiple times I am opting out per 12 CFR 1016.7 which says " A consumer may exercise the right to opt out at any time. 15 USC 1681n Civil liability for willful noncompliance they are all ignoring my request and not complying. The Privacy Act of 1974  5 US Code 552a has been violated as well along with them violating the Fair Credit Reporting Act. Then had the nerves to report it as a Charge Off knowing that's income because its a certificate of indebtedness but yet its on my consumer report. Well XXXX 's reporting 's appear to be different then the other 2 Reporting Consumer Credit agencies in this report. It appears as tho these 4 Companies don't know the rules or are saying XXXX XXXX and the law.

Company response to consumer: Closed with explanation