TD Bank USA on a credit report — typically TD BANK USA/TARGET CREDIT or a close variant — is a Target credit card account. TD Bank USA, N.A. is the bank that issues the Target Circle Card (formerly the RedCard) and the Nordstrom cards, and because the bank’s name goes on the tradeline instead of the store’s, the entry looks unfamiliar to a lot of people who simply have a Target card. When the account is not yours, or the balance and payment history are wrong, the FCRA gives you the right to dispute it with the bureaus and directly with TD Bank USA, and it makes the bank answer for what it reports.
What TD Bank USA is
TD Bank USA, N.A. is a national bank with its main office in Delaware, distinct from TD Bank, N.A., the branch bank, and distinct again from TD Auto Finance. According to TD’s own card disclosures and Target’s current card application, it issues the Target Credit Card and Target Mastercard — rebranded the Target Circle Card — and the Nordstrom credit cards. TD bought Target’s card portfolio in 2013, and in 2022 the two companies extended the partnership through 2030, so a Target account opened at any point in the last decade reports under the TD Bank USA name. The tradeline usually reads TD BANK USA/TARGET CREDIT; the Nordstrom card reports under a TD Bank USA/Nordstrom variant.
Why a TD Bank USA entry can be wrong
A Target card is a common first account for a thief with a stolen Social Security number, so a TD Bank USA account you never opened points to identity theft, and the fraudulent balance can reach a collector under your name. A card belonging to a family member or a stranger with a similar name and address can attach to your file as a mixed credit file. A Target debit RedCard, which draws on your checking account, is not a credit account and should not appear as one; if it does, the tradeline is wrong on its face. Accounts paid off or closed can keep reporting a balance, and a hard inquiry from TD Bank USA you did not authorize is covered in our post on unauthorized credit inquiries.
How to dispute a TD Bank USA / Target account
Pull all three bureau reports and note how the tradeline is named on each. Dispute in writing with each bureau reporting the item — our credit dispute letter guide covers the format — and send a direct dispute to the furnisher. Target’s card agreement directs credit-reporting disputes to Target Card Services, P.O. Box 673, Minneapolis, MN 55440-0673, and lists 1-800-659-2396 as the Target card customer service number; TD’s own credit-report dispute form gives a separate address for its Nordstrom and other TD Bank USA accounts, Credit Disputes, P.O. Box 71466, Philadelphia, PA 19176-1466. Use the address for the card you actually have, and confirm it against your current statement. Under 15 U.S.C. § 1681s-2(a)(8) a furnisher must investigate a dispute sent directly to it, and under § 1681s-2(b) it must investigate the dispute a bureau forwards, within 30 days either way. Keep everything, including a bureau result that comes back “verified”; that letter is the evidence.
When it becomes a legal claim
A furnisher that keeps reporting an account as yours after a written dispute, or that verifies a wrong balance without checking its own records, violates the FCRA’s furnisher duties; a bureau that keeps the item after a dispute violates its own duty to reinvestigate. Both are compensable: actual damages for the credit denied or the rate you paid, statutory and punitive damages where the violation is willful, and attorney’s fees, which is why we handle these cases on contingency. TD Bank USA sits alongside the store-card issuers on our Citibank, Synchrony, and Comenity pages and in our creditors and lenders directory — and our credit report dispute lawyer practice covers what happens after the dispute fails.
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Published by The Kim Law Firm, LLC — about attorney Richard Kim. Last updated September 2026.