Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — Store credit card
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: NC

Complaint narrative:
To Whom It May Concern, This letter serves as my formal dispute, demand for validation, notice of violations, and escalation regarding the above-referenced account. This matter remains fully disputed, unresolved, and improperly handled, despite my prior submissions and the companys inadequate response. I. THIS IS NOT A DUPLICATE COMPLAINT This submission is not a duplicate. It is a formal response to the companys prior CFPB response, which failed to address the substance of my dispute and did not include proper verification. The company relied on unsupported, automated statements and failed to provide any documentation establishing that I am responsible for this account. XXXX. THIS MATTER IS NOT RESOLVED This complaint must not be marked as resolved. A response alone does not constitute resolution. The company has failed to provide competent evidence and has instead submitted generalized or automated responses that do not meet legal requirements. This matter remains active, ongoing, and in dispute. XXXX. FORMAL DISPUTE AND IDENTITY THEFT CLAIM I dispute this account in its entirety. I did not open, authorize, or benefit from this account. This matter involves identity theft and/or a mixed consumer file, where my information has been improperly associated with another individual with the same or similar name. IV. FAILURE TO PROVIDE PROPER VERIFICATION The company has failed to provide any of the following : Signed application or contract Identification used to open the account IP address or device data Proof of identity verification methods Proof of authorization for transactions A statement that my information was used does not meet the legal standard for verification under the Fair Credit Reporting Act ( FCRA ). V. MATERIAL INCONSISTENCIES AND FRAUD INDICATORS The companys own records contain clear discrepancies : The phone number XXXX is not mine and has never been associated with me An address ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has been associated with this account, which I formally dispute These inconsistencies confirm identity theft and/or mixed file reporting. VI. ADDRESS DISPUTE AND MISIDENTIFICATION I specifically dispute any association with : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX This address is not mine and has never been my verified residential address. Any reliance on this address demonstrates a failure to properly verify identity and supports that my information has been improperly merged with another individual. XXXX. IMPROPER RELIANCE ON PUBLIC RECORDS Any reliance on public records or internal databases as verification is legally insufficient. Public records are not a valid method of identity verification, especially in identity theft or mixed file cases. Such reliance violates the requirement to ensure maximum possible accuracy. XXXX. FAILURE TO CONDUCT A REASONABLE INVESTIGATION Despite being provided with : Government-issued identification confirming my identity Utility bill confirming my correct address Police report documenting identity theft FTC Identity Theft Report The company failed to conduct a reasonable investigation. This is a violation of : 15 U.S.C. 1681s-2 ( b ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i IX. FALSE AND MISLEADING REPRESENTATION OF DEBT The continued reporting and attempted collection o f this account constitutes violations of : 15 U.S.C. 1692e 15 U.S.C. 1692g X. FORMAL DEMAND FOR VALIDATION OR DELETION You are required to provide the following within 15 days : 1. Signed application or contract 2. Identification used to open the account 3. Full identity verification method 4. IP address and device data 5. Complete transaction history with proof of authorization If you can not provide this documentation : You must immediately delete this account from all credit reporting agencies Cease all collection activity XI. CFPB ESCALATION REQUEST I am requesting that the CFPB : Do not mark this complaint as resolved Recognize that the company has failed to properly investigate Require the company to provide documentation or delete the account Treat this as an escalation due to continued noncompliance The companys use of automated or templated responses does not satisfy its legal obligations. XXXX. NOTICE OF INTENT TO ESCALATE FURTHER Failure to comply will result in additional action, including : Complaints to the North Carolina Attorney General Additional FTC reporting Consideration of civil litigation for statutory, actual, and punitive damages XXXX. PRESERVATION OF RIGHTS I reserve all rights under federal and state law. CONCLUSION The company has failed to meet its legal burden to verify this account. The presence of incorrect identifying information, combined with the lack of documentation, confirms that this account is inaccurate and improperly reported. This matter remains unresolved and must be corrected immediately. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation