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Frequently Asked Questions About Disputing Errors On Credit Report

How do I dispute information on my credit report that was reported by TD Bank to the credit bureaus?

Step One:

For Mortgages or Home Equity Loans:

Mail a written statement with copies of your supporting documentation to the appropriate address for the product you are disputing.

If you think there's an error, would like to send a request for information, or have a credit bureau dispute related to your mortgage or home equity loan, please write us as soon as possible.

In your letter, be sure to include:

  • Your name, property address, and account number or other identifying information
  • Description of error or information you are requesting
  • Why you believe there is an error
  • Any additional information you think will help us

For Lines of Credit, Credit Cards, Personal Loans, Auto Loans or Deposit Accounts:

In a written statement, please provide the following information:

  • Identifying information such as your name, address and telephone number, account number or the last four digits of your Social Security number - This is not required, but will help to process your dispute.
  • The type of TD Bank product associated with the information being disputed (e.g., home equity line of credit, credit card, personal loan, auto loan, or deposit account)
  • The account number(s) for the account(s) you are disputing
  • A description of the specific information you are disputing and an explanation of the basis for your dispute
  • Copies of documents that support your dispute, as applicable:
    • A copy of your consumer report showing the information that you are disputing
    • Your account statements
    • A court order, or (if applicable) a copy of a police report or fraud or identity theft affidavit
    • Copies of receipts showing account has been paid
    • Copies of cancelled checks showing account has been paid
    • Remember: Do not send original documents.

For your convenience, we've created an optional Consumer Report Dispute Form that you may use as your written statement.
Important Note: If we do not receive sufficient information to identify your account, you may experience a delay, or we may be unable to investigate your dispute.

Step Two:

For Mortgages or Home Equity Loans:

Send your letter to:

TD Bank
Operations Center
P.O. Box 218
Lewiston, ME 04243

Or, if you previously mailed your payment to Fort Pierce, FL, mail it to:

TD Bank
Operations Center
P.O. Box 100226
Columbia, SC 29202

If you are unsure of which address to mail your letter, please call us at 1-888-751-9000. A delay may be experienced if the letter is not mailed to the specified address.

For Personal Loans or Home Equity Lines of Credit

Use this address if you are disputing information regarding your home equity line of credit or personal loans, including automobile, recreational vehicle/boat, collateral, unsecured and Moneyline Overdraft Protection.

TD Bank Operations Center
P.O. Box 219
Lewiston, ME 04243-0219

Or, if you previously mailed your payment to Fort Pierce, FL, mail it to:

TD Bank
Operations Center
P.O. Box 100226
Columbia, SC 29202

If you are unsure of which address to mail your letter, please call us at 1-888-751-9000. A delay may be experienced if the letter is not mailed to the specified address.

For Disputes on a TD Bank VISA Credit Card
TD Bank Credit Cards
P.O. Box 84037
Columbus, GA 31908-4037
Use this address if you are disputing information regarding your TD credit card.

For Disputes on a TD Retail Card (serviced by TD Bank)
TD Bank Retail Card Services
P.O. Box 731
Mahwah, NJ 07430
Use this address if you are disputing information regarding your credit card issued and serviced by TD Bank, N.A.

For Disputes on a Target Credit Card
TD Bank USA, N.A.
c/o Target Card Services
PO Box 9500
Minneapolis, MN 55440
Use this address if you are disputing information regarding your Target credit card issued by Target and serviced by TD Bank, N.A.

For Disputes about a Personal Deposit Account
TD Bank
ATTN: ME100-36
P.O. Box 9547
Portland, ME 04112
Use this address if you were recently denied opening a new personal deposit account, such as a checking, savings, CD or Money Market, based on information on your credit report.

What happens after I mail my written statement and supporting documents to dispute information on my credit report?

We will respond to credit bureau disputes within 30 days. A delay may be experienced if the dispute is not mailed to the specified address.

We will notify you of the results of our investigation within 30 days of receiving your dispute. We may take up to 45 days to investigate your dispute if, after providing us with your initial notice of dispute, you provide us with additional information that is relevant to our investigation or we need additional time to complete our investigation. If our investigation finds that the information you are disputing was inaccurate, we will notify the consumer reporting agency of our determination and provide the consumer reporting agency with the information necessary to correct the inaccuracy.

How do I determine which address to send my written statement and supporting documents?

To prevent a delay in the investigation of your dispute, it is important that you send your information to the correct address at TD Bank.

Use the Lewiston, Maine, address for any disputes regarding your TD Bank home equity, mortgage or personal loans, including automobile, recreational vehicle/boat, collateral, unsecured and Moneyline Overdraft Protection.

Use the Columbus, Georgia, address for any disputes regarding your TD credit card. These cards have a TD logo on the face of the card.

Use the Mahwah, New Jersey, address for any disputes regarding a credit card issued and serviced by TD Bank N.A. – i.e. a department store, sports team or national retailer branded credit card. Learn more about TD Retail Card Services.

Use the Portland, Maine, address for any disputes regarding your TD Bank personal deposit accounts, including checking, savings, CD or Money Market accounts.

Use the Minneapolis, Minnesota, address for any disputes regarding your Target Credit Card.

What if I have multiple disputes on different TD Bank products?

Complete a written statement for each product. For your convenience, we've created an optional Consumer Report Dispute Form that you may use. Then mail your written statement and all copies of your supporting documentation to the appropriate address for that product.

What do I do if I disagree with the decision about my dispute?

Once the information furnished in your dispute is deemed applicable and is reviewed, the decision is considered final. However, you may resubmit the dispute to the designated address and provide any missing or new documentation that wasn't submitted at the time of the original dispute.

Your resubmitted dispute will be considered new and will go through the same procedure as your original dispute.

What is the difference between incorrect information on my credit report and incorrect information on my credit card statement?

 
Credit Card Statement
Credit Report
Types of Information Reported on (including, but not limited to) Purchases, payments, credits, cash advances, balance transfers, fees and charges Account opening date, credit limit, payment history and account statuses, plus late and missed payments and other defaults
Credit Card Issuers Report Information to You, the consumer Credit reporting agencies
If you have a dispute, then you must Follow the guidelines regarding Your Billing Rights outlined in your credit card agreement for submitting disputes. For example, if you have a problem with the quality of the property or services purchased, you may be required to first try to resolve the problem with the merchant prior to submitting a dispute. Send a completed written statement and copies of supporting documentation to your credit card issuer, who must then investigate your dispute within 30 days.
Remember Information on your credit card statement – like late fees or fraudulent purchases – may also appear on your credit report and have a negative impact on your credit score. This is why it is very important that you always review your credit card statement and report incorrect information or fraudulent activity immediately to your credit card issuer.

How do I dispute a charge on my TD credit card?

If you believe there is an error on your TD credit card statement, please contact Customer Service at 1-888-561-8861. A specialist will work with you to research the transaction and resolve it.

What is TD Retail Card Services?

TD Retail Card Services is a division of TD Bank, N.A., which issues and services retail card programs for various retail merchants, including national retailers, department stores and sports teams. Read more about TD Retail Card Services.

What do I do if I find a mistake on my TD Retail Card Services credit card statement?

To dispute errors on your TD Retail Card Services credit card statement, contact Customer Service at 1-800-252-2551.

I made my TD credit card payment on the 30th day. Why was it reported late to the credit bureaus?

Under the Fair Credit Reporting Act (FCRA), the bank is required to report delinquency 30 days after the due date.

I only co-signed a loan. Why is the loan being reported on my credit report?

Jointly-held loans and accounts are reported to the credit bureaus for all borrowers equally.

My mortgage loan is still open on a credit bureau report. When will the bank inform the credit bureaus that my loan is closed?

We send electronic transmissions once each month. The credit bureau may not have received the updated information at the time you obtained a copy of your credit report.

What happens with credit reporting during a conversion or when my mortgage loan is sold?

Your credit report will show two accounts. One will reference an outstanding balance of $0.00 and the status of "transferred to another servicer". The other account will show the amount of the outstanding balance plus the name of the new loan service provider. Due to the Real Estate Settlement Procedures Act (RESPA), the new servicer will not report mortgage, home equity or mobile home loan information to the credit bureaus until 60 days after the conversion.

How long does negative information stay on my credit report?

Per the Fair Credit Reporting Act (FCRA), most negative information will stay on your credit report for a minimum of seven years.

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