Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
This is a formal response regarding the alleged TD Bank USA/Target credit account still being reported to the credit bureaus in my name. As of XX/XX/year>2025, all XXXX major credit reporting agenciesXXXX XXXX, and XXXXcontinue to display this account with derogatory remarks, charge-off status, and an outstanding balance. 

This reporting is illegal and constitutes multiple violations of federal consumer protection laws. 

On XX/XX/year>2025, I sent a certified debt validation and dispute letter to TD Bank USA at XXXXXXXX XXXX XXXX XXXXXXXX, MN XXXX. The letter was delivered and signed for, and I possess full XXXX certified tracking and signature confirmation. That letter included the following language, citing FDCPA Section XXXX ( b ) : Until such time as proper documentation is provided, you must cease all reporting activity to the credit bureaus related to the alleged debt under federal law. 

Despite being clearly notified of your legal obligations, TD Bank USA failed to respond at all. No validation. No investigation. No attempt to resolve the dispute. Instead, you continued to furnish derogatory, inaccurate information to all XXXX credit bureaus after receiving a lawful written dispute. 

Let me be clear : This is not an oversight. This is willful noncompliance. 

By ignoring my written dispute and continuing to report to XXXX XXXX and XXXX, TD Bank USA is in direct violation of the following federal laws : 15 U.S.C. XXXX ( b ) FDCPA : Prohibits continued collection activity ( including credit reporting ) without providing validation during an active dispute 15 U.S.C. XXXX ( a ) ( XXXX ) FCRA : Furnishing information known to be disputed without noting it properly 15 U.S.C. XXXX ( b ) FCRA : Failing to investigate and correct or delete inaccurate information after receiving notice from a consumer or bureau You received the dispute. You understood the legal obligation. You chose to ignore it. 

My Demands Are as Follows : XXXX. Immediate deletion of this account from XXXX XXXX, and XXXX  XXXX. Written confirmation that this alleged account will not be re-sold, re-reported, or transferred to any third party now or in the future XXXX. A formal apology acknowledging your failure to respond and your legal violations XXXX. A clear explanation of why you continued reporting a disputed debt without providing any validation whatsoever Next Steps if Not Resolved Immediately : Should you fail to provide the above resolution promptly and in writing, I will escalate this matter further by : Filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) Submitting a formal complaint to the Office of the Comptroller of the Currency ( OCC ) Filing with the Minnesota Attorney General ( as your mailing address is in XXXX ) Pursuing legal remedies through XXXX XXXX XXXX or binding arbitration, seeking damages under the FDCPA and FCRA I do not bluff. I maintain a full paper trail, including certified mail receipts, credit report screenshots, and digital copies of every submission. This letter serves as your final warning. 

I expect a complete response in writingnothing less.

Company response to consumer: Closed with non-monetary relief