Consumer complaint received 2025-04-30 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: PA

Complaint narrative:
AFFIDAVIT OF FEDERAL AND STATE CREDIT REPORTING VIOLATIONS NORDSTROM/TD BANK ( Pursuant to XXXX U.S.C. XXXX Affirmation Under Penalty of Perjury ) I, XXXX XXXX, address at XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX, affirm under penalty of perjury under the laws of the United States and the Commonwealth of Pennsylvania as follows : IDENTIFICATION OF DISPUTED TRADELINE Nordstrom credit card account number XXXX, issued by TD Bank USA, N.A., is currently reported by XXXX XXXX XXXX XXXX with the following discrepancies : Omission of payment history for the year XXXX, lacking multiple months of data without explanation. 
Reporting of a single 30-day delinquency in XX/XX/XXXX, despite a consistent history of timely payments over a decade. 
These inaccuracies render the tradeline incomplete and potentially misleading. 

VIOLATIONS AND LEGAL BASIS The aforementioned reporting issues constitute violations of the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq., specifically : XXXXe ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy. 
XXXXg ( a ) ( 1 ) : Failure to disclose all information in the consumer 's file at the time of the request. 
XXXXi ( a ) : Failure to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
XXXX XXXX XXXX, XXXX affirms CRAs must ensure maximum possible accuracy under XXXXe ( b ). 
XXXX XXXX XXXX XXXX reinforces that all data furnishers are held to the same standard of completeness and accuracy. 
XXXX XXXX XXXX XXXX requires CRAs to conduct a reasonable, independent reinvestigation under XXXXi ( a ) upon dispute. 
The isolated delinquency, lacking corroborative evidence or a pattern of late payments, may disproportionately affect credit assessments and does not reflect the overall payment behavior. 

XXXX XXXX STATUS I am a certified victim of human trafficking, as documented by XXXX XXXX XXXX, a XXXX XXXX under Texas Property Code XXXX. This status is substantiated by a Self-Attestation dated XX/XX/XXXX. 
Under XXXX U.S.C. XXXX, upon receiving appropriate documentation, consumer reporting agencies are mandated to block information resulting from human trafficking. To date, this requirement has not been fulfilled concerning the Nordstrom/TD Bank tradeline . 

DEMAND FOR ACTION I hereby request that TD Bank USA, N.A. and the credit reporting agencies : Provide complete and original documentation verifying the reported delinquency, including payment records for XXXX and XX/XX/XXXX. 
If such documentation can not be furnished, promptly remove the disputed delinquency and update the tradeline to reflect accurate and complete payment history. 
Block any information identified as resulting from human trafficking, in compliance with XXXX. 
ENFORCEMENT RESERVATION Should these violations remain unaddressed, I reserve the right to pursue : Complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Pennsylvania Attorney General. 
Civil litigation under : XXXX U.S.C. XXXXn and XXXXo ( FCRA violations ). 
XXXX XXXX XXXX et seq. ( Pennsylvania Unfair Trade Practices and Consumer Protection Law ). 
XXXX XXXX XXXX. XXXX ( Pennsylvania Credit Services Act ). 

AFFIRMATION Executed pursuant to XXXX U.S.C. XXXX. I declare under penalty of perjury that the foregoing is true and correct.

Company response to consumer: Closed with explanation