Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX , NJ XXXX XX/XX/XXXX TD Auto Finance Attn : Debt Validation Department XXXX XXXX XXXX XXXX, MI XXXX USA Subject : Request for Deletion of Account Due to Failure to Provide Debt Validation [ XXXX XXXX XXXX XXXX XXXX  ] Dear Sir or Madam, I am writing to follow up on my debt validation request sent on [ insert date of initial request ], as I have not yet received the requested documentation. Under the Fair Debt Collection Practices Act ( FDCPA ), you are required to provide validation of this alleged debt within 30 days from receipt of my request. To date, I have not received any validation of this debt, which is a violation of federal law. 
As outlined in 15 U.S.C. 1692g of the FDCPA, upon receiving a consumer 's request for validation, a debt collector must provide the consumer with the requested information. If the debt collector fails to validate the debt within 30 days, it is required to cease collection efforts and must remove the debt from credit reporting. The failure to respond to a request for debt validation within the legally prescribed period results in the collector being unable to take further action on the alleged debt. 
Case law supports this stance : XXXX. XXXX. XXXX. XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : In this case, the court held that when a debt collector fails to validate a debt in accordance with the FDCPA, it loses the ability to continue pursuing the debt, including reporting it to credit bureaus. 
XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court ruled that a debt collector 's failure to respond to a request for debt validation under the FDCPA not only stops collection activities but also prevents the debt from being reported on a consumer 's credit report. 
XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court reinforced the idea that a debt collector who does not provide valid documentation when requested must remove any reporting of the debt from credit reports and stop all collection actions. 
Since you have failed to provide the requested documentation verifying the debt within the 30-day period required by law, I am formally requesting that you immediately delete this account from your records and from any credit reporting agencies to which it has been reported. 
As failure to validate the debt violates the FDCPA, I also request confirmation in writing that : XXXX. XXXX. The debt has been removed from your records. 
The debt has been removed from all credit reports, including those held by the major credit bureaus ( XXXX, XXXX, and XXXX  ). 
If I do not receive the requested validation or deletion of this account, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. Additionally, I will dispute this debt directly with the credit bureaus, asserting that the account is not valid. 
Please treat this letter as a final request for the deletion of the account. If you can not provide the requested validation, I expect immediate deletion of this account from your records and from any credit reports. 
Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation