Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a formal complaint against XXXX XXXX XXXX for misrepresentation of loan payments, unjustified repossession fees, identity errors, and false credit reporting. A detailed review of my loan documents and Toyotas own records reveals severe discrepancies, unexplained charges, and violations of multiple consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

XXXX XXXX inconsistent accounting, misleading credit reporting, and excessive post-repossession fees have created an unfair financial burden on me. I demand a full investigation, removal of unjustified charges, correction of my credit report, and a full breakdown of my alleged balance. 

XXXX. XXXX XXXX Misrepresented My Loan Balance & Payments XXXX Financials own documents claim I made {$46000.00} in payments. However, after reviewing line-by-line transactions, it is clear that {$8500.00} of these payments were reversedmeaning my actual payments total only {$30000.00}. 

Breakdown of Payments vs. Reversals : Total Payments Recorded by XXXX : {$46000.00} Total Reversed Payments ( Returned/Cancelled ) : {$8500.00} Actual Payments Made : {$30000.00} Original Loan Balance : {$39000.00} Charged-Off Balance Claimed by XXXX : {$24000.00} Major Issues : XXXX included reversed payments in their records, inflating my total payments to make it appear I still owe more than I should. 
Even after I paid over {$30000.00}, XXXX still claims I owe nearly {$25000.00}, which does not align with basic loan math. 
Failure to properly credit payments violates the Truth in Lending Act ( TILA ), which requires clear disclosure of how payments are applied. 

XXXX. XXXX Charged Excessive and Unjustified Repo Fees After repossessing my vehicle, XXXX XXXX piled on thousands of dollars in unexplained fees, including : {$530.00} ( XX/XX/year> ) {$530.00} ( XX/XX/year> ) {$290.00} ( XX/XX/year> ) {$110.00} ( XX/XX/year> ) {$30.00}, {$28.00}, {$110.00}, {$260.00} ( XX/XX/year> ) {$8200.00} ( XX/XX/year> ) A massive charge with no breakdown or explanation {$1300.00} ( XX/XX/year> ) Key Issues : XXXX has not provided a detailed breakdown of these fees or whether they were disclosed in my original loan agreement. 
They failed to show how much my repossessed vehicle was sold for, and whether that amount was properly deducted from my balance. 
It is illegal to continue adding interest after repossession, yet XXXX balance appears to be inflated even after the car was seized. 

XXXX. XXXX is Reporting False Information to Credit Bureaus ( FCRA Violation ) XXXX XXXX is reporting inaccurate and misleading information about this loan, violating the Fair Credit Reporting Act ( FCRA ). 

Key Errors in Credit Reporting : Inconsistent Names on the Loan : My name is incorrectly reported in multiple ways : XXXX XXXX XXXX XXXX ( extra repetition of XXXX and XXXX XXXX XXXX XXXX XXXX ( completely incorrect last name ) If XXXX can not prove I signed for this loan under the correct legal name, they must delete this account from my credit report. 
Incorrect Loan Balance : The reported balance does not reflect actual payments made or the proper deduction of the vehicles sale price. 
Misrepresented Payment History : Payments that were reversed or never cleared were still included in their total calculations. 

XXXX. XXXX Violated Federal Consumer Protection Laws Truth in Lending Act ( TILA ) Violations Failure to accurately disclose how payments were applied Unclear reporting of balance calculations Charging excessive fees without proper itemization Fair Credit Reporting Act ( FCRA ) Violations Reporting false and unverifiable data to credit bureaus Failing to correct identity errors and payment discrepancies Unfair and Deceptive Acts or Practices ( UDAP ) Violations Inflating loan balances with post-repossession charges and misapplied payments Lack of transparency in repossession procedures and deductions.