Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Complainant Information : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX FTC Identity Theft Report # : XXXX XXXX Breach Engagement # : XXXX Complaint Summary : I am a verified victim of identity theft and a known participant in the XXXXXXXX XXXX data breach. My personal informationincluding my Social Security number, name, address, and date of birthwas stolen and used without my authorization to open multiple fraudulent accounts. 

One such account was created with TD Bank USA / Target Credit Card, with a balance of {$2700.00} and account number partially ending in XXXX. I never applied for, opened, or authorized this account.

I submitted the following documentation to TD Bank and the credit bureaus : A complete FTC Identity Theft Report A fully executed police report A copy of my government-issued ID and Social Security card Proof of exposure in the XXXX  data breach ( Engagement # XXXX ) Despite this, TD Bank failed to block and delete the fraudulent account, in violation of FCRA law. Worse, the account was previously removed and then reinserted onto my credit report, again without proper notice or certification. This illegal reinsertion caused significant harm and distress.

Violations of Federal Law by TD Bank USA : 1. FCRA 605B ( 15 U.S.C. 1681c2 ) : TD Bank failed to block and delete the account after I submitted valid proof of identity theft.

2. FCRA 611 ( a ) ( 5 ) ( B ) : TD Bank illegally reinserted a previously deleted item without providing the required certification of accuracy and written notice within 5 business days. 
3. FCRA 623 ( a ) ( 6 ) : TD Bank continued to furnish information it knew or should have known was inaccurate after receiving all required identity theft documentation.

4. FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) : TD Bank failed to provide a full and detailed written description of their reinvestigation, including who was contacted, when, and by what method.

5. FCRA 1681e ( b ) : TD Bank failed to follow reasonable procedures to ensure maximum possible accuracy before furnishing or re-reporting information to the credit bureaus. 



Human Review Requirement No XXXX : This dispute can not be lawfully reduced to standard XXXX  codes. I am invoking my right to a manual, human-led reinvestigation, as XXXX is incapable of processing the specific identity theft documentation, police report, and evidence I submitted. According to : FCRA 1681i ( a ) ( 1 ) ( A ) : A credit furnisher and CRA must conduct a reasonable investigation. Automated systems like XXXX do not satisfy this obligation.

FCRA 1681e ( b ) requires human-level diligence to achieve maximum possible accuracy. 

This dispute must be removed from automated processing and reviewed manually by a qualified human investigator.

Relief Requested : I am demanding the immediate and permanent deletion and blocking of this fraudulent TD Bank / Target account from all credit reporting agencies.

Additionally, I request that the CFPB : Investigate TD Banks non-compliance with identity theft blocking under 605B Sanction them for re-reporting a previously deleted account without meeting 611 ( a ) ( 5 ) ( B ) reinsertion rules Compel full documentation from TD Bank, including method of verification, signed contract, and proof of investigation Enforce strict accountability for failing to use proper human review standards in a sensitive identity theft case Attachments Provided : FTC Identity Theft Report ( # XXXX ) Full Police Report ( All XXXX Pages ) XXXX  Breach Proof ( Engagement # : XXXX ) Copy of Drivers License and Social Security Card This complaint is filed under penalty of perjury and demands action within 15 days.

Company response to consumer: Closed with explanation