Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
To Whom It May Concern : Upon reviewing a copy of my credit report, I have identified certain item ( s ) that are inaccurate : 1. The following personal information is incorrect Previous Address ( es ) : XXXXXX/XX/XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorizedXX/XX/XXXXDate of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized TD AUTO FIN Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXX/XX/XXXXDate of inquiry : XX/XX/year> Please remove it from my credit report. 

6. Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ) I am requesting immediate verification of the legal ownership servicing rights and validity of the alleged student loan debt under your authority. 
XXXX XXXX XXXX Account Number : XXXXXX/XX/XXXXPlease remove this inaccurate information from my credit report. 

XXXX. I demand A signed copy of the original Master Promissory Note ( MPN ) bearing my wet-ink signature XX/XX/XXXX Account Number : XX/XX/XXXXPlease remove this inaccurate information from my credit report. 

XXXX. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) XX/XX/XXXXccount Number : XXXXXX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. Please provide Proof of chain of custody/ownership of the loan ( including all transfers and assignments ) XXXXXX/XX/XXXXPlease remove this inaccurate information from my credit report. 

XXXX. Violation of XXXX XXXX XXXX XXXX - Permissible purposes of consumer. Delete immediately. 
XXXX Account XXXX : XXXXXX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX late payment status is invalid and inaccurate. you must have maximum accuracy in reporting it. please delete. XX/XX/XXXXPlease remove this inaccurate information from my credit report. 

12. violation of 15 usc 1681e ( b ) faling to provide maximum possible accuracy. This must be deleted XXXX Account XXXXXX/XX/XXXXPlease remove this inaccurate information from my credit report. 

13. Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ) I am requesting immediate verification of the legal ownership servicing rights and validity of the alleged student loan debt under your authority. 
XXXX XXXXXX/XX/XXXXPlease remove this inaccurate information from my credit report. 

XXXX. Violation XXXX XXXX XXXX XXXX ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following accountXX/XX/XXXXPlease remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XX/XX/XXXXPlease remove this inaccurate information from my credit report. 

17. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX AccoXX/XX/XXXXPlease remove this inaccurate information from my credit report. 

XXXX. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( XXXX ) ( A )XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. This is a violation of XXXX XXXX XXXX. Remove immediatelyXX/XX/XXXXXX/XX/XXXXPlease remove this inaccurate information from my credit report. 

XXXX late payment status is invalid and inaccurate. you must have maximum accuracy in reporting it. please delete. 
XXXXXX/XX/XXXXccount NumXX/XX/XXXX Please remove this inaccurate information from my credit report. 

21. violation of 15 usc 1681e ( b ) faling to provide maximum possible accuracy. This must be deleted XX/XX/XXXXXX/XX/XXXXPlease remove this inaccurate information from my credit report. 

XXXX. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A )XX/XX/XXXX Please remove this inaccurate information from my credit report. 

23. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A XX/XX/XXXXXX/XX/XXXXPlease remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XX/XX/XXXXPlease remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their removal from my credit report. It is my understanding that you will verify these items with the corresponding creditor. Any information that the creditor fails to verify should be promptly removed. As per 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days of receiving this letter. 

Please send an updated copy of my credit report to the provided address. Pursuant to the act, there should be no charge for this updated report. Additionally, I request that you notify any recipients who have received my credit report in the past six months of the corrections made. 

Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with explanation