Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Dear CFPB Investigator, I am filing this formal complaint against XXXX XXXX XXXX XXXX , for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) particularly as it relates to their unlawful reinvestigation practices, known as sham investigations, and failure to correct or remove multiple inaccurate and unverifiable items on my credit report. 
I have repeatedly disputed specific accounts and personal information that are inaccurate, incomplete, and not verifiable. Despite multiple formal disputes submitted with documentation, XXXX has continued to parrot the same response : that the items have been verified as accurate. Given the extremely short resolution times ( some within 2448 hours ) and the lack of meaningful documentation provided, I believe XXXX  is engaging in automated, non-substantive responses using e-OSCAR, and not complying with its obligations under 15 U.S.C. 1681i ( a ). 
Below is a summary of each issue I have disputed, how XXXX failed to comply, and the specific relief I am requesting. 
-- - 1. Inaccurate Charge-Off Nordstrom/TD Bank USA . 
- Account Name : Nordstrom - Partial Account # : XXXX - Issue : XXXX  reports this account as a charge-off with a past due balance of {$1100.00} and last payment dated XX/XX/XXXX. I never received formal notice of charge-off, and the balance reported is inflated and inconsistent with my records. 

- Relevant Law Violated : - 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation - Demand : Immediate deletion of the account if original documentation ( signed contract, payment history, and charge-off statement ) can not be provided and verified within the standards of Metro 2 compliance and CDIA guidelines .

-- - 2. Unverifiable Collection XXXX XXXX XXXX  - Account Name : XXXX XXXX XXXX - Partial Account # : XXXX  - Issue : This collection account is reported with a balance of {$690.00}. I have not received any debt validation under the FDCPA, and XXXX  has verified this account without furnishing any supporting documentation from XXXX XXXX

- Relevant Law Violated : - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward relevant documents to furnisher - 15 U.S.C. 1681e ( b ) Reporting unverifiable debt - Demand : Delete the account unless a full chain of assignment, proof of ownership, and original contract with my signature are provided. 
-- - XXXX. Inaccurate Late Payment Dept of Education/NelN - Account Name : Dept of EducationXXXX XXXX Partial Account # : XXXX - Issue : XXXX is reporting a XXXX late payment for XX/XX/XXXX, which is inaccurate. My payment history shows no missed payments, and I provided my bank statement showing timely payment. XXXX ignored my evidence. 
- Relevant Law Violated : - 15 U.S.C. 1681i ( a ) ( 1 ) Failure to consider all relevant information - 15 U.S.C. 1681e ( b ) Failure to maintain accurate reporting - Demand : Immediate correction and deletion of the XXXX delinquency for XX/XX/XXXX. 

4. Sham Investigations : Pattern of Noncompliance I believe XXXX is relying on e-OSCAR automated responses, which do not satisfy the reasonable investigation standard under FCRA 1681i ( a ). The CFPBs past lawsuits and consent orders against XXXX and the other bureaus for similar behavior indicate a pattern of systemic abuse. 
XXXX XXXX XXXX : CFPB vs. XXXX XXXX & XXXX enforcement actions for misleading consumers and failing to conduct proper reinvestigations. 
Requested Relief from CFPB : 1. Investigate XXXX sham investigation practices. 
XXXX. Require XXXX to delete or correct all inaccurate, unverifiable, and unauthorized entries listed above. 
XXXX. Require XXXX to provide documentation for any item it claims to verify. 
XXXX. Impose appropriate penalties or sanctions for repeated violations. 
XXXX. Ensure XXXX follows all Metro 2 and CDIA standards, and refrains from unverifiable data reinsertion. 
Enclosures Included : - Copy of XXXX credit report ( highlighted items ) - Copies of dispute letters submitted to XXXX - Screenshots of XXXX verified responses -- - Thank you for your attention to this serious matter. I rely on the CFPB to enforce compliance when large institutions like XXXX disregard their legal obligations and cause harm to consumers. I request a formal investigation and prompt resolution to ensure my credit file reflects only accurate and verifiable information. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation