Consumer complaint received 2025-11-02 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX, XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX Subject : Request for deletion of XXXX account from credit reporting and formal complaint under Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) Dear Sir/Madam : I am writing regarding a tradeline being reported to the credit reporting agencies under the name XXXX. I respectfully but firmly request immediate deletion of this account from all credit reporting agencies ( XXXX XXXX XXXX XXXX ) for the following reasons : 1. Inaccuracy and lack of validation Under the Fair Credit Reporting Act furnisher of information must ensure the accuracy and completeness of any information it reports to consumer reporting agencies. I dispute the validity and/or accuracy of this account as reported. I request that you provide written verification of the debt, including date of first delinquency, original creditor, amount, and documentation of your furnishing of the account to the bureaus. If you can not verify it, you must cease reporting the account and delete it. 
2. Request for deletion As the account in its current form is damaging my credit and I believe it to be erroneous/unenforceable ( or unverified ), I request that you permanently remove the account from all credit reporting. Please provide written confirmation once the deletion has been processed and ensure you notify all three major credit bureaus of the deletion. 
3. Complaint of furnishing adverse information If the account is in fact not accurate, its continued reporting is in violation of FCRA section. The furnisher must timely investigate and must modify or delete inaccurate information. I hereby reserve all rights under the FCRA, FDCPA, and any relevant state consumer protection laws. 
4. Future reporting Should you choose to continue to report this account, you must provide me with the name and address of each credit bureau to which you furnish the information, the type and date of information furnished, and you must include a notice that I dispute the information under Further, you must send me validation of the account at my written request. 
Because the adverse listing is harming my creditworthiness and is preventing me from obtaining credit on fair terms, I urge you to act promptly, the credit reporting agencies must delete or block reporting within four business days after being notified that information is disputed and found to be inaccurate. I ask that you treat this letter as a formal dispute and request for deletion. 
Please send all correspondence to my address above and confirm in writing that you have : - fully deleted the account from all credit reporting - notified each of the three major credit reporting bureaus of the deletion - retained no adverse information relating to this account in any consumer reporting file on me. 
I look forward to your written response within 30 days. If I do not receive an adequate response, I will consider submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), the XXXX  Attorney Generals office, and pursuing whatever remedies are available to me under FCRA and FDCPA, including statutory damages, actual damages, and attorneys fees. Since I had no idea of this account and no idea of why is it on my credit Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief