Consumer complaint received 2024-11-28 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 is furnishing incorrect and incomplete account names, account numbers, payment histories, original creditor, company sold, account type, balance and term information with my nonpublic personal information to consumer reporting agencies. I have previously communicated this to XXXX. 
I read articles published by the Consumer Financial Protection Bureau ( CFPB ), which helped me find regulations that govern XXXX  XXXX and can assist me under the Consumer Credit Protection Act ( CCPA ). 
The Fair Credit Reporting Act ( FCRA ) excludes a consumer report from containing information solely as to transactions or experiences between the consumer and the person making the report The act further excludes a consumer report from containing any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 
In this case, I am the consumer and XXXX is the person furnishing reports to consumer reporting agencies. According to the FCRA, XXXX is excluded from reporting information of any transactions, experiences, authorizations or approvals of an extension of credit on my consumer report. Why then are they furnishing my nonpublic personal information? 
I have previously communicated to XXXX that they are reporting inaccurate information. XXXX failed to notify me of negative information being added to my consumer report at any time. XXXX has failed to investigate, correct or delete inaccurate, incomplete, or unverifiable information, yet I am not in receipt of anything suggesting that my disputes were frivolous. 
The FCRA prohibits unauthorized disclosure to unauthorized parties. XXXX has furnished my nonpublic personal information to third parties that have not been authorized by me. Non-affiliated consumer reporting agencies have received and disclosed information pertaining to me from XXXX. 
I learned that 15 U.S. Code 6802 entitled Obligations with respect to disclosures of personal information requires XXXX to provide disclosures to me including an opportunity for opting out of and directing that my nonpublic personal information not be disclosed to any third party before it happens ; an explanation of how to exercise that nondisclosure option ; and disclosure of any joint or contractual agreement XXXX has with another financial institution to perform other functions requiring that third party to maintain confidentiality of such information. Why would I not have taken advantage of these benefits were they provided to me? Had XXXX provided these mandated disclosures, I would have opted out immediately. 
The CFPB stated that ... consumer reports can operate as a gatekeeper to significant life and economic decisions.Nordstrom furnishing inaccurate information to unauthorized parties is biased, unfair and is definitely having a negative impact on my ability to provide a safe home, vehicle, food and basic life necessities for myself and my family.

Company response to consumer: Closed with explanation