Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Debt Validation, Identity Theft & Inaccurate Reporting Dispute Letter Your Name XXXX XXXX Your Address XXXX XXXX XXXX XXXX, State ZIP XXXX GA Email XXXX Date : XXXX To : Nordstrom/TD Bank USA [ Creditor / Debt Collector Name ] Address City, State ZIP Re : Nordstrom/TD Bank USA Acct XXXX XXXX XXXX Charge-off , {$560.00} ) Formal Dispute Debt Validation, Identity Theft, and Inaccurate Credit Reporting Dear Sir or Madam, I am writing to formally dispute the above-referenced account and to request full debt validation, proof of permissible purpose, and verification of legal assignment and ownership, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and applicable state laws. 
This account does not belong to me and is the result of identity theft. I did not open, authorize, benefit from, or enter into any contractual agreement related to this alleged obligation. 

1. Identity Theft Notice I am asserting my rights under 15 U.S.C. 1681c-2. This account is fraudulent and was opened without my knowledge or consent. Any reporting, collection, or assignment of this account is therefore inaccurate and unlawful.

2. Demand for Debt Validation Under 15 U.S.C. 1692g, I am requesting that you provide competent evidence that I am legally obligated for this debt, including but not limited to : A copy of the original signed contract or application bearing my signature Proof of actual services or funds received by me A complete payment history The date of default and original account opening date Documentation showing the amount claimed is accurate and lawful XXXX. Proof of Legal Standing & Assignment If you are not the original creditor, you must provide : The chain of title from the original creditor to your entity A valid assignment agreement identifying this specific account Proof that the assignment grants you the legal right to collect and report Generic bills of sale or redacted spreadsheets are insufficient. 

4. Permissible Purpose for Credit Reporting Under 15 U.S.C. 1681b, please provide written evidence of your permissible purpose for obtaining and furnishing my consumer report.

Absent a valid contractual relationship or legal obligation, continued reporting constitutes willful noncompliance.

5. Cease Collection & Reporting Pending Investigation Until you provide the documentation requested above, you are required to : Cease all collection activity Cease credit reporting Refrain from selling, transferring, or assigning this account Failure to do so may constitute violations under FDCPA 1692e, 1692f, and FCRA 1681s-2 ( a ) and ( b ).

6. Required Action If you are unable to provide the requested documentation, you must : Delete this account from all consumer reporting agencies Provide written confirmation that the account has been closed, deleted, and withdrawn This letter is submitted without waiver of rights and without admission of liability. 
I reserve the right to pursue all legal remedies, including regulatory complaints and civil action. 
Please respond in writing within 30 days. 
Sincerely, Your XXXX XXXX XXXX

Company response to consumer: Closed with explanation