Consumer complaint received 2025-03-09 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XX/XX/XXXX TD AUTO FINANCE XXXX XXXX XXXX XXXX, MI XXXX NOTICE OF DISPUTE AND REQUEST FOR LATE PAYMENT REMOVAL Dear TD AUTO FINANCE, I trust this letter finds you well. I am writing to formally dispute the presence of late payments reported by your organization on my credit report. I believe these late payments to be inaccurate and unjust, and I kindly request their removal in accordance with applicable laws and regulations. 

The late payments in question are associated with the following account : Account Information : TD AUTO FINANCE Account Number : XXXX. 
Date ( s ) of Late Payment ( s ) : XX/XX/XXXX I wish to emphasize my commitment to fair and accurate credit reporting. These late payments have had a significant impact on my creditworthiness and have caused me undue financial hardship and emotional distress. 

It is my understanding that your organization has a responsibility to report accurate information to the Credit Reporting Agencies Given my belief that these late payments are not reflective of my payment history, I hereby request their removal from my credit report. This request is made in accordance with the Fair Credit Reporting Act ( FCRA ) and related regulations. 

I also want to bring to your attention an important matter regarding our original agreement. The arbitration clause within our agreement outlines a mechanism for dispute resolution that we both agreed upon. It is my sincere hope that we can resolve this matter amicably and avoid the necessity for arbitration, which could result in substantial costs and fees for both parties. 

Therefore, XXXX purpose the following options for resolution : Option XXXX : Delete Late Payment I kindly request that your organization promptly remove the late payments from my credit report, therefore rectifying the inaccuracies and ensuring my credit history is accurately represented. 

Option XXXX : Initiate Arbitration Should your organization prefer NOT to remove the late payments, I am prepared to Initiate Arbitration Proceedings as allowed by our agreement. This process may entail substantial costs and fees, including MY filing fee, YOUR filing fee, Arbitration Initiation Fee, an Arbitrator Deposit, and any legal cost incurred during the Arbitration process.

I firmly believe that an amicable resolution is in the best interests of both parties. However, I am fully prepared to pursue Arbitration should that be necessary to uphold my rights and ensure Fair Credit Reporting. 

Please respond to this notice within 30 DAYS to confirm your willingness to remove the late payments or to express your intent to proceed with Arbitration. Your prompt response is appreciated and will help facilitate a timely resolution to this matter. 

Thank you for your attention to this issue. I look forward to your response and the possibility of resolving this matter in a manner that ensures Fair and Accurate Credit Reporting. 

Sincerely, BY : XXXX XXXX, XXXX XXXX For : XXXXXXXX XXXX XXXXXXXX XXXX WITHOUT RECOURSE

Company response to consumer: Closed with explanation