Consumer complaint received 2025-10-07 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Subject : Formal Dispute Under FCRA 611 Request for Deletion of Inaccurate TD Bank XXXX XXXX XXXX XXXX Account No. XXXX Dear XXXX Dispute Department, I am writing to formally dispute inaccurate and unverifiable information appearing on my Experian credit report concerning TD Bank XXXX XXXX XXXX XXXX Account Number XXXX. This tradeline contains multiple factual inaccuracies and inconsistencies that make the reporting unverifiable under the Fair Credit Reporting Act ( FCRA ). Despite prior disputes and the submission of supporting documentation through XXXX and the Consumer Financial Protection Bureau ( CFPB ), this account continues to appear with fal... 
Specifically : - TD Bank provided contradictory statements regarding the XX/XX/XXXX payment. In one written response, they claimed the XXXX payment was successfully processed, and in another, they stated it was returned for insufficient funds. 
- TD Bank also claimed that no payment was received in XX/XX/XXXX, yet my Experian credit report clearly reflects that a payment was processed and posted for that month. 
- TD Bank further stated that they received payments only for XX/XX/XXXX and XX/XX/XXXX, which contradicts the payment activity posted on my Experian credit report. My credit report shows that payments for XXXX, XXXX, XXXX, and XX/XX/XXXX were successfully processed and posted. Additionally, my XXXX credit report reflects XX/XX/XXXX, as the last payment date, confirming continued account activity beyond what TD Bank has reported. 
- Furthermore, my name is incorrectly reported on this account. My legal name is XXXX XXXX XXXX XXXX, as shown on my ID and credit report. Reporting under any other name is a critical inaccuracy that can cause identification errors, prevent accurate credit reporting, and violates FCRA 609 ( a ). Proof of my correct legal name has been included in my dispute. 
These contradictions and reporting errors demonstrate that this tradeline can not be verified for accuracy or completeness. Under FCRA 611 ( a ) ( 5 ) ( A ), Experian is required to delete any information that can not be verified as accurate and complete. 
I therefore demand that Experian immediately delete the TD Bank XXXX XXXX XXXX XXXX Account No. XXXX from my credit file. Continuing to report this account despite clear evidence of conflicting and unverifiable data constitutes noncompliance under FCRA 611 ( a ) and 623 ( a ) ( 2 ). 
Additionally, I request that XXXX  and TD Bank provide copies of all documents used to verify my identity and authorize this account, including but not limited to : - The credit application or account opening documents ; - Any identification ( drivers license, Social Security number, or photo ID ) allegedly used ; - Any signature authorization or verification records on file. 
If these documents can not be produced, this account must be permanently deleted from my credit file as unverifiable. 
Please provide written confirmation once the deletion and investigation have been completed. 
Sincerely, - TD Bank correspondence showing conflicting payment information - Copy of XXXX credit report showing payment activity for XXXX XXXX, including XX/XX/XXXX as the last payment date - Proof of correct legal name ( ID ) - Proof of prior CFPB and XXXX  submissions

Company response to consumer: Closed with explanation