Date Received: 2022-11-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I recently received correspondence from CFPB informing me that they closed my complaint submitted on XX/XX/22 because they believe that someone other than myself submitted complaint # XXXX, which is not true at all. I am asking for this case to be re-opened and investigated. I will include a copy of my ID for proof of identification since this is the stated reason. I would like for the CFPB to take this seriously and not continue to send stall letters. Per my last complaint, TD AUTO is reporting late payments, but the information is inconsistent between the 3 credit bureaus. They were notified twice to validate this debt that is reporting on my credit report, but they have failed to do. I will attach a copy of my credit report to show the inconsistencies between all 3 bureaus. How are you reporting different information for XXXX, XXXX, and XXXX when the data furnished should all be the same? I have tried to have this information corrected for over 6 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and the account to be updated to paid as agreed. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments. I will include the letter as well as the time stamp. Please conduct a proper investigation and update this account. My email is XXXX.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: TD Bank company filed a lien against me in the court of common pleas of XXXX XXXX This debt does not appear on my credit report TD Bank has not provided proof of debt, time of debt, or proof of payment of debt.
Company Response:
State: PA
Zip: 15146
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I Have Previously Resolved A Dispute Regarding fraud perpetrated against My Target XXXX XXXX. This Resolved Problem has now returned in my current billing statements. I Did Not Make these purchases. I Had A Prior Balance That Had Been Settled On. And I have recently spoken with XXXX from their fraud department. Her attitude was uncaring, firstly. A Massive American Retail Outlet Should Be Concerned On Behalf Of It's Patrons. I have been a victim of fraud : Then I Stated And Succeeded In My Defense and I Have Evidence In The Form Of statements issued by the company That Adjusted My Balance Appropriately and also several statements that show 4 different balances all sent within a 2 week period. I Also Have Payment Receipts And I Would Sincerely Appreciate Knowing The Origin Of these spirulous charges and newly inked illegments ( past or present ). As I Have Not Used their XXXX XXXX since XXXX of this year. Please Help. Thank You Very Much. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A Target credit card was opened in my name on XX/XX/ with a limit of {$500.00} and used to make purchases totaling {$360.00}. The card was used online, but was also used at a physical XXXX store here in XXXX XXXX, UT where I live. This leads me to believe that the person who did this is my ex partner. He has stolen from me many times before and has even been to jail in two states for theft from large businesses. I have seen him use his mother 's credit card information online, and attempt to use other family members ' as well. Upon receiving the bill for the Target credit card I did not open, I checked my XXXX XXXX account to find two more open lines of credit that I did not open or even apply for. One line of credit is for XXXX XXXX XXXX opened on XX/XX/ for a limit of {$300.00}, and currently has a balance of {$140.00}. The third account opened is for XXXX XXXX with a limit of {$300.00} and no current balance. I also received letters in the mail denying requests for lines of credit that I did not apply for. One letter is from XXXX XXXX dated XX/XX/ and the other from XXXX dated XX/XX/XXXX
Company Response:
State: UT
Zip: 84770
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I have had a card with them for years and had financia hardship. I went on a payment plan and within a year it was paid off. Now when this happened again they did nothing to contact me or attempt to make a plan and sent it to collections without my knowledge. This is illegal and I demand retraction immediately.
Company Response:
State: MN
Zip: 55406
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Dear Consumer Financial Protection Bureau, Both XXXX XXXX XXXX and Nordstrom XXXX keeps reporting incorrect information to appear as new. First, there's been no new account charges on the Nordstrom account in more than 3 years. For the last few years, I've only made monthly payments on Nordstrom account ( and no new charges ). Nordstrom reported account delinquent to XXXX XX/XX/XXXX. In addition to that, Nordstrom keeps reportng account closed by grantor multiple times XX/XX/XXXX. However the account was first closed XX/XX/XXXX. Nordstrom keeps reporting 2 - 3 times per month account closed in fraudulent manner. This is not a new account closure. I reported this information to XXXX. XXXX keeps allowing Nordstrom to make repetitive account closed postings to my credit report. XXXX refused to remove inaccurate data. Furthermore, I provided to XXXX proof of bank transactions showing account payments to Nordstrom. In addition to bank account payments, I provided Nordstrom 's account statement showing the same payment history. I've only made payments and no account charges. How can this account be delinquent when monthly payments made consistently? Next, Nordstrom posted account as delinquent XX/XX/XXXX with a past due balance. How can there be a past due balance on an already closed account with no account activity in years? There was no PRIOR past due balance. How can Nordstrom be allowed to make up a past due balance that's never existed? Again, I've only made consistent monthly payments on this closed account. Nordstrom is not applying payments to the account balance. Finally, I provided payment documentation to XXXX and XXXX keeps reporting inaccurate information provided by Nordstrom.
Company Response:
State: CA
Zip: 94582
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : TARGET/TD XXXX Date OpenedXXXX Balance : {$430.00}
Company Response:
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Nordstrom TD Bank keeps reporting inaccurate information on my credit for a debt that is not mine. I didnt receive any written notification about the debt. My credit file says its account number XXXX When I try to call them I cant verify the personal information so they cant help me. Bottom line is its not my debt and they never provided debt validation per my request, therefore the debt must be deleted from my credit report.
Company Response:
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Td bank target keeps reporting inaccurate information on my credit for a debt that is not mine. I didnt receive any written notification about the debt. My credit file says its account number XXXX. When I try to call them I cant verify the personal information so they cant help me. Bottom line is its not my debt and they never provided debt validation per my request, therefore the debt must be deleted from my credit report.
Company Response:
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I been trying to open a account
Company Response:
State: NJ
Zip: 07206
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A