TD Bank US Holding Company Credit Card Complaint

TD Bank US Holding Company Credit card department,

Billing disputes Illinois

Target is incorrectly reporting the day of first delinquency. They are reporting that the day of first delinquency is the month after I settled the account. Prior to this settlement payment there were no payments payments made and the account was reported delinquent for 7 months. At that point there was an attempt to bring the account current for a minimal payment, but i disagreed with the terms and did not make any more payments. Prior to that the last minimal payment was made 3 months prior in which a minimal compromised payment was made for 3 months. Target has re-aged this account violating 15 U.S.C. 1681c ( 1 ) No where in the act does it state that a debt can be re-aged after a lump sum or payment in full is made. This account was clearly delinquent 7 months, arguably 10 months. The delinquency could even go back further as I started missing payments 6 months earlier -/-/2008, They are claimin DOFD as the day after it was settled in full which is not right.