Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I am writing to file a formal complaint against TD Auto Finance for continuing to report false and inaccurate information on my consumer credit report related to an auto loan. Despite repeated attempts to resolve this matter, TD Auto Finance has failed to provide proof of any outstanding debt, and they have caused grave harm to my credit standing. They have ignored or denied receipt of certified notices Ive sent, and have provided no burden of proof to substantiate their claims. The lack of response, along with their continued reporting of erroneous and damaging information, has resulted in severe XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

I entered into an auto consumer credit transaction with TD Auto Finance for the purchase of a vehicle, XXXX XXXX XXXX XXXX. I have made every reasonable effort to fulfill my payment obligations. However, I began noticing discrepancies with the balance being reported on my credit report and disputes regarding my payments that were either not properly recorded or inaccurately reported. 

[ XX/XX/XXXX ] I sent a certified letter to TD Auto Finance regarding these discrepancies. I requested clear documentation proving the outstanding balance, the loan terms, and any relevant supporting details that would substantiate their claims. I also requested the removal of false and damaging information from my credit report. The letter was signed for and acknowledged by TD Auto Finance, and I have attached the receipt of certified mail and delivery confirmation. 

[ XX/XX/XXXX ] I sent a second certified notice to TD Auto Finance, reiterating my previous request for proof of the debt owed, and providing an opportunity to cure the issue by correcting the erroneous reporting and providing the necessary documentation. Again, this letter was signed for and received by TD Auto Finance, and I have attached the receipt of certified mail and delivery confirmation. 

[ XX/XX/XXXX to TD Auto Finance and Correspondence with CFPB After receiving no response or satisfactory documentation from TD Auto Finance, I escalated the matter to the Consumer Financial Protection Bureau ( CFPB ), requesting that they intervene and assist in resolving the issue. I provided all certified mail receipts, delivery confirmations, and other documentation supporting my claims, including a detailed summary of the damages being caused to my credit report. 

Despite my repeated attempts to address the issue, including speaking with several representatives from TD Auto Finance, I continue to receive vague responses and no meaningful resolution. Every time I contact them, I am given the run-around, and they refuse to substantiate their claims with any documentation of the debt or offer any explanation for their reporting practices. 
I have been subjected to repeated negative reporting of inaccurate and false information by TD Auto Finance, which has significantly damaged my credit report and has caused undue XXXX XXXX XXXX anguish. I have followed all procedures, including sending certified notices twice to TD Auto Finance, clearly informing them of the issue and requesting documentation to prove the legitimacy of the alleged debt. They have not provided me with any valid proof of the debt owed and continue to report false and damaging information. Furthermore, despite the fact that they have acknowledged receipt of my notices ( as evidenced by the certified mail receipts ), they continue to claim they have not received any of my communications. This is clearly a violation of federal consumer protection laws, including :

Company response to consumer: Closed with explanation