Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XXXX XXXX written notice was given to XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX that as the consumer I have exercised my rights as provided by the FAIR CREDIT REPORT ACT. Notice was given and delivered via certified mail ( reference language below ). After notice these entities still ; chose to report adverse actions, with unaffiliated entities in an effort to deceive and provide derogatory and injurious to damages to the consumer report up until present day, including transaction history, payment detail and reporting on information of another person. Once legal, lawful and official opting out and documentation of legal name correction is made, the entites are to expeditiously act to update and correct the adverse reports. These company did not! Several calls have been made with no resolve. 

The transactions include : Transactions from XXXX XXXX XXXX XXXXXXXX amounts XXXXXXXX XXXX per month as well as the interest rate which is clear transaction history and violation. 

Additonally a late payment from XXXX XXXX XXXX XXXX is still showing closed and reporting adversely as to being deleted completely and removed by the XXXX Bureaus as i requested in the complaint. 


THE CONSUMER A NOTICE THAT COMPLIES WITH SECTION XXXX OF THIS TITLE. ( B ) OPT OUT ( XXXX ) IN XXXX XXXX XXXX XXXX NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY UNLESS ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION XXXX OF THIS TITLE, THAT SUCH INFORMATION XXXX BE DISCLOSED TO SUCH THIRD PARTY ; ( B ) THE CONSUMER IS GIVEN THE OPPORTUNITY, BEFORE THE TIME THAT SUCH INFORMATION IS INITIALLY DISCLOSED, TO DIRECT THAT SUCH INFORMATION NOT BE DISCLOSED TO SUCH THIRD PARTY ; AND ( C ) THE CONSUMER IS GIVEN AN EXPLANATION OF HOW THE CONSUMER CAN EXERCISE THAT NONDISCLOSURE OPTION.ADDITIONALLY, PLEASE ALSO TAKE NOTICE OF THE XXXX XXXX XXXX - FORM OF OPT OUT NOTICE TO CONSUMERS ; OPT OUT METHODS. 
] ( A ) ( XXXX ) FORM OF OPT OUT NOTICE. IF YOU ARE REQUIRED TO PROVIDE AN OPT OUT NOTICE UNDER XXXX ( A ), YOU MUST PROVIDE A CLEAR AND CONSPICUOUS NOTICE TO EACH OF YOUR CONSUMERS THAT ACCURATELY EXPLAINS THE RIGHT TO OPT OUT UNDER THAT SECTION. THE NOTICE MUST STATE : ( I ) THAT YOU DISCLOSE OR RESERVE THE RIGHT TO DISCLOSE NONPUBLIC PERSONAL INFORMATION ABOUT YOUR CONSUMER TO A NONAFFILIATED THIRD PARTY ; ( II ) THAT THE CONSUMER HAS THE RIGHT TO OPT OUT OF THAT DISCLOSURE ; AND ( III ) A REASONABLE MEANS BY WHICH THE CONSUMER XXXX EXERCISE THE OPT OUT RIGHT. ( iii ) Unreasonable opt out means. YOU DO NOT PROVIDE A REASONABLE MEANS OF OPTING OUT IF : ( A ) THE ONLY MEANS OF OPTING OUT IS FOR THE CONSUMER TO WRITE HIS OR HER OWN LETTER TO EXERCISE THAT OPT OUT RIGHT ; OR [ COVERED AFFILIATES ] ( DEFINITION CITED SOURCE XXXX XXXX ) THE TERM COVERED AFFILIATE MEANS A FUTURES COMMISSION MERCHANT, RETAIL FOREIGN EXCHANGE DEALER, COMMODITY TRADING ADVISOR, COMMODITY POOL OPERATOR, INTRODUCING BROKER, MAJOR SWAP PARTICIPANT OR SWAP DEALER, WHICH IS SUBJECT TO THE JURISDICTION OF THE COMMISSION. XXXX REASONABLE OPPORTUNITY TO OPT OUT. ( a ) XXXX XXXX. A COVERED AFFILIATE MUST NOT USE ELIGIBILITY INFORMATION ABOUT A CONSUMER THAT THE COVERED AFFILIATE RECEIVES FROM AN AFFILIATE TO MAKE A SOLICITATION TO SUCH CONSUMER ABOUT THE COVERED AFFILIATE 'S FINANCIAL PRODUCTS OR SERVICES, UNLESS THE CONSUMER IS PROVIDED A REASONABLE OPPORTUNITY TO OPT OUT, AS REQUIRED BY THIS SUBPART.IN ACCORDANCE TO : XXXX CFR XXXX - Form of opt out notice to consumers ; opt out XXXX XXXX XXXX - LIMITS ON DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES.SEE REGULATIONS : XXXX XXXX XXXX - LIMITS ON DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES. TO INCLUDE : XXXX XXXX Code XXXX - Family educational and privacy rightsPLEASE FIND THAT AS OF THE ISSUANCE OF THIS NOTIFICATION THIS IS TO BE EFFECTIVE IMMEDIATELY, INDEFINETLY AND EXPRESSLY FOR REMOVAL OF ANY INFORMATION NOT IN XXXX WITH THE TERMS FOR YOUR TRANFER FILES OR SYSTEM TO ANY/ALL REPORTING AGENCIES.

Company response to consumer: Closed with explanation