Consumer alleges TD Bank USA/Target Credit reported fraudulent account on credit profile

By Jenie Mallari-Torres | Sep 12, 2018

LOS ANGELES – A Canyon Country resident alleges that debt collectors are reporting a fraudulent debt on her credit profile.

Karenina Chu filed a complaint on Aug. 31 in the U.S. District Court for the Central District of California against TD Bank USA/Target Credit alleging violation of the Fair Credit Reporting Act and other counts.

According to the complaint, the plaintiff alleges in May 2010, a fraudulent account was opened in her name through the defendants. The suit states the defendants discovered the fraud and closed and charged off the account in 2015. She alleges as of January, the defendants continue to misrepresent an outstanding credit loan on her credit profile.

The plaintiff holds TD Bank USA/Target Credit responsible because the defendant allegedly misrepresented the legal status of the debt.

The plaintiff requests a trial by jury and seeks judgment against the defendants for actual, punitive and statutory damages; legal costs; fees; and other relief as the court see fit. She is representing herself.

U.S. District Court for the Central District of California case number 2:18-cv-07660

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