Date Received: 2021-07-10
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: 2004 I cosigned in a vehicle and and the other signer I took to court to have him take full responsibility and I was no longer a buyer on this agreement and now almost 18 years latter and after a court dismissal on my behalf and the XXXX letter i sent asking to not contact me as I'm not on the lease agreement and I spoke and left message bro 7TD Auto finance LLC / XXXX XXXX I have seek legal action on harassment charges if I'm contacting again .. Do Not harass me again about this matter no letter 's or call are I will fill a report! No w I have received a other collection later and looking to get a lawyer about this harassment from this company
Company Response:
State: MN
Zip: 55024
Submitted Via: Web
Date Sent: 2021-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: TD Bank is in the practice of attaching fraudulent transactions to one 's account then converting that transaction into a NSF transaction without showing what payment it was attached to. If you will take notice in the attached file : Page 1 which was generated around XX/XX/2021 - XXXX XXXX. There was never a XXXX XXXX in my account. On page 8 you will see a XXXX purchase debt, not a bill. If you will take a look at page 16 there is a payment to the account by XXXX XXXX and they have it listed as a return ; then they therefore attaches the purchase authorization debit on this same page to appear that that was to cover the XXXX XXXX Return. This {$35.00}, a day or two later showed up as NSF fee and I called to get understanding as to what it was attached to and they stated it was attached to the XXXX XXXX Payment of {$110.00}. That {$35.00} was refunded back to my account. As you can see on page 17, in the attachment, there is a {$35.00} overdraft paid, but it does not show what was returned. On page 18 : the XXXX Authorization should be XXXX verifying my account. The Visa XXXX should be XXXX verifying my account. The XXXX Temporary Hold is a fraudulent misrepresentation of facts and I have spoken to the bank concerning these fraudulent activities. The XXXX Authorization should not be there, I made that payment on the XXXX of XXXX.
Company Response:
State: GA
Zip: 30906
Submitted Via: Web
Date Sent: 2021-07-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: To begin with, I would like these accounts removed from all 3 credit bureaus immediately. They were opened under my name when I was only XXXX. One was opened on XX/XX/XXXX and the other was opened XX/XX/XXXX. I was born on XX/XX/XXXX. My legal age was XXXX years old, but you have to be XXXX years old to open a credit card account under your name. I even filed a police report showing that I did not open these accounts. Secondly, per Florida statutes XXXX, the limitations on credit card debt is only 5 years. This shouldve been removed from my credit reports a couple of years ago. If these accounts are not removed from my credit reports, I will file a lawsuit with my lawyer against XXXX XXXX and Target for allowing someone to open credit card accounts under my name at an illegal age to do so along with XXXX for reporting accounts that were opened illegally while I was underage.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2021-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Target, I demand that you cease and desist from all forms of communication including my consumer report! My consumer report is in fact a medium! Which means its communication. I demand deletion from all consumer reporting agencies immediately sue to indirect communication! Do not send statements, do not contact me in any form, do not sell any information containing me to any third party or give my personal information to any third party. Cease and desist from reporting in writing regarding this natural person, the original creditor, that I am!
Company Response:
State: CA
Zip: 95205
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am XXXX XXXX, and the author of this complaint. There is an Original Complaint with TD Bank/Target, and the ID is XXXX. That complaint was created because of missing data on this tradeline, and inaccurate data. This complaint is in regard to the same issues - except this time, I am including one of the CRA 's on this complaint - so I do not become its middle man. Each time I dispute has been lodged - both TD Bank, and the CRA 's point their fingers at each other. TD Bank ( Original Creditor ) - I am relying on the rules that govern you, as a Data Furnisher, and acting on your own behalf as the Debt Collector on this account. https : //www.ecfr.gov/cgi-bin/text-idx? c=ecfr & SID=89d50ede6e4072bde4d4a944a89bd200 & rgn=div5 & view=text & node=16:1.0.1.6.77 & idno=16 # se16.1.660_13 In this dispute - the CRA, will be XXXX, and for XXXX - I am wholly relying on FCRA. https : //www.ftc.gov/enforcement/statutes/fair-credit-reporting-act I am attaching screen shots of my Credit report and then from XXXX 2 sources, and as noted below. My XXXX XXXX XXXX in this complaint ) - and XXXX ( XXXX in this complaint ). XXXX XXXX XXXX - 1. The Account Number is NULL, or Blank on the raw credit report, XXXX from XXXX 2. This Account Name states that this account is CLOSED. 3. This Tradeline is then also reporting Available Credit and it can not /should not. 4. As a result, this Tradeline is then reporting, Debt to Credit Ratio, when it can not /should not. 5. XXXX Reported Balance/XXXX = XXXX Percent you are erroneously calculating/reporting 6. The Pay History - remains incomplete/Rating is incomplete, but it was reporting previously. 7. The Balance History is nonexistent. 8. Please ensure the Balance History and Pay History is complete and then accurate on this tradeline leaving these values NULL/Blank, makes this inaccurate and incomplete 9. Of whats reporting, the start date for 30 days, are reporting differently in each report ran on the same date, and again From XXXX and then XXXX 10. Only one can be accurate. Please see attached. 11. The FCRA/DOFD can then not be accurate and based on the two - 30 marks, in Pay History. 12. Please resolve the Pay History to be accurate, and to reflect the actual DOFD/FCRA Date 13. Then it remains impossible to be 120 days late in one month, and then 120 days late in the next please resolve 14. There is then a Credit Limit on this closed account, that I do not believe can be reported, additionally this is where you are erroneously calculating a Debt to Credit Ratio from. 15. Because this account is charged off/closed, I do not believe there are applicable TERMS that can be reported 16. Creditor Classification is Unknown and should not be, please assign a valid value. While this Tradeline has been disputed previously - it lacks the Disputed tag - please ensure this is accurate.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
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: Hello, Ive paid off a car that was a total loss and I was forced by td- auto finance to pay the remaining balance off in 30 days and I paid it within the 30 days. I waiting a couple months to see if they will take it off showing I paid in full but they reported as a charge off which isnt because I paid it off before the 30 days were up. Ive already made an report to each credit bureau about this and only one of the credit bureau was resolved but the others havent. Its been more than 30 days and I need it resolve so I can buy a house. They will next finance me for money until thats cleared. I also called TD auto back and they told me it was their mistake and they will take it for me and its been over 30 days still with no updates. I also have a letter from TD auto stating the car is paid off in full so it shouldnt be a charge off.
Company Response:
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: NJ
Zip: 07753
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Target card services has been reported on my credit report since 2018 ( I think ). I never opened the account that I am aware off. I spoke to XXXX who advised me to send target card services a handwritten letter ( which I did ) I asked for a copy of the contract and statements leading up to the balance owed. I have yet to receive this and they continue to negatively impact my credit. I spoke to Target card services a few times and they stated they received my hand written letter and are investigating the account. When I called this morning Target claims they dont see my hand written letter of dispute. I want this off my credit report until I receive validation of this account ( specifically a copy of the contract and statements )
Company Response:
State: MI
Zip: 48842
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone stole my identity and opened many accounts without my permission or authority.
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A