Consumer complaint received 2023-02-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX 2022 Credit Score You - XXXX XXXX You are now connected to XXXX Chat. 
Info - XXXXXXXX XXXX  One moment while I transfer you to a live agent. 
XXXX Chat - XXXXXXXX XXXX You are now connected to XXXX. 
Info - XXXX XXXX Conversation closed by you - XXXXXXXX XXXX XXXXXXXX XXXX 2022 General Questions You - XXXXXXXX XXXX You are now connected to XXXX Chat. 
Info - XXXX XXXX One moment while I transfer you to a live agent. 
XXXX Chat - XXXXXXXX XXXX  Conversation closed by you - XXXXXXXX XXXX XXXX XXXX 2022 why cant i see You - XXXXXXXX XXXX  You are now connected to XXXX Chat. 
Info - XXXX XXXX One moment while I transfer you to a live agent. 
XXXX Chat - XXXXXXXX XXXX Please hold, You are being transferred to another agent You are now connected to XXXX. 
Info - XXXX XXXX Hello, how may I assist you? 
XXXX - XXXX XXXX i cant see my information it said to contact you guys You - XXXX XXXX  Hi XXXX, I'm so sorry this issue is happening. 

What error message are you getting? 
XXXX XXXX XXXX XXXX well i wanted to dispute couple of thing since my name its wrong and the address and its keep saying it cant be deleted You - XXXXXXXX XXXX  Okay Let me just go ahead and access your file so I can verify that. 

I am going to send you a form that you need to fill out with your personal information so I can access your file. 

XXXX has sent you a Secure Form : PII Form Thanks May I have the last four digits of your SSN, please? 
XXXX XXXX XXXXXXXX XXXX XXXX You - XXXXXXXX XXXX Thanks XXXX - XXXX XXXX so this is my concern why i still i have a collection that is at XXXX and its not taken off You - XXXX XXXX I can see the issue now, what happens is your file needs to be accessed by an specific department which is our Special Handling department. 

I need to escalate your case so that they can fix this, it might take up to three business days for them to contact you back. 

Is it okay for you? 
XXXX - XXXX XXXX can you tell me about the issue? 
You - XXXX XXXX Nothing wrong, it's just that your file needs maintenance. 

So is it okay for you? 
XXXX XXXX XXXX XXXX ok You - XXXX XXXX Okay, your case has been escalated keep in mind they will contact you back within three business days to let you know that the issue has been fixed. 

Anything else you may need from me? 
XXXX XXXX XXXX XXXX ok thank you You - XXXXXXXX XXXX Thank you for visiting. Please contact us at any time. 
XXXX - XXXX XXXX Conversation closed by the agent - XXXXXXXX XXXX XX/XX/XXXX Freeze You- XXXXXXXX XXXX You are now connected to XXXX Chat. 
Info- XXXXXXXX XXXX One moment while I transfer you to a live agent. 
XXXX Chat - XXXX XXXX Sorry it's taking longer than expected to reply. Your agent will respond shortly. 
Info - XXXXXXXX XXXX  Conversation closed by you - XXXXXXXX XXXX  Today General Questions You - XXXX XXXX  You are now connected to XXXX Chat. 
Info- XXXXXXXX XXXX One moment while I transfer you to a live agent. 
XXXX Chat - XXXX XXXX Sorry it's taking longer than expected to reply. Your agent will respond shortly. 
Info- XXXX XXXX You are now connected to XXXX. 
Info - XXXX XXXX Thank you for contacting XXXX customer service, my name is XXXX, how may I assist you today? 
XXXX - XXXX XXXX so i want to dispute some info ans submit document i dont understand how information its verify without me You - XXXX XXXX What are you trying todispute? 
XXXX - XXXX XXXX the toyota financial i got a letter from them You - XXXX XXXX I will check if everything is okay in our side. 
XXXX - XXXX XXXX date back from XXXX from last year my vehicule its paid off You - XXXXXXXX XXXX  Does the website shows you some kind of error code or message? 
XXXX XXXX XXXX XXXX We're unable to complete your request online. 
Please try your request by phone or mail. 

What to do now : If you're trying to request a credit report, please contact our Consumer Relations team at ( XXXX ) XXXX, Monday through Friday, XXXX XXXX XXXX XXXX ET. 
If you're trying to dispute information on your credit report, contact our Consumer Relations team at ( XXXX ) XXXX, Monday through Friday, XXXXXXXX XXXX XXXX XXXX XXXX, or dispute by mail. 
and when i call no one can give me an answer so basically there are so many error in my credit report that you guys are not willing to take a look or even take off You - XXXX XXXX I'm checking and there's no issues, please contact our online department assistance by calling XXXX. So far there's no issue with the information, XXXX. 
XXXX - XXXX XXXX yes there is. how come there is some one collection agengy on my report reporting when i dont owe no balance to them it show XXXX You - XXXX XXXX I can help you to open a dispute but in this case if you have documents you better upload them over the website. 
XXXX - XXXX XXXX the website does not let me do anything it said unable to complete request online You - XXXXXXXX XXXX  That is correct, could you please contact our online department assistance? 
XXXX - XXXX XXXX??? 
You - XXXX XXXX  Because you are unable to upload the documents, will be better if you contact our online department assistance by calling XXXX. 

I can help you to open a dispute but in this case without documentation. 
XXXX - XXXX XXXX ok You - XXXXXXXX XXXX Thank you, XXXX. 
XXXX - XXXX XXXX and there so many inquiries that i did not even authorized, even with my credit lock and freeze i dont understand why You - XXXXXXXX XXXX Please know that currently, the only option we have to receive inquiries dispute by mail because they are statements of fact. Therefore, we need proof that you did not authorize them. Are you okay if I provide you with the mailing requirements? 
XXXX - XXXX XXXX facts of what? 
i need to mail information to dispute XXXX - XXXX XXXX Sure, You can also share with us a complete copy of your documents together with a cover letter including : your complete name, address, last 4 digits of your SSN and a brief description of your request. 



Both of these documents need to be sent to : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX We will receive your documents days after you send them and we will send you back a confirmation letter. 
XXXX - XXXXXXXX XXXX i can even check my report its so funny with you guys You - XXXX XXXX I'm sorry but, That's the process we have, XXXX. 

I haven't heard from you for a while. Are you still there? 
XXXX - XXXX XXXX Conversation closed by you - XXXXXXXX XXXX Thank you for contacting XXXX. 
Tell us how we can assist you today, or select an option below. 
Do not include any account or personal information, SSN, dispute or credit report complaints.

Company response to consumer: Closed with explanation