Consumer complaint received 2018-06-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Well I suppose allow me to just start out by saying thankyou for clearing up the situation. These past 2 months have been extremely stressful trying to figure what was really going on, Between going back forth between you guys and the credit bureaus ( needless to say ) is a fight in itself. Now that I fully understand situation I believe in the spirit of good faith we can come to a mutual agreement. Please understand that during the time period this account was established I had was very happy with the service, I was XXXXyrs old and just got my dream car. I was also very young and made financial mistakes, and I take full responsibility for that. During that time my mom was very sick and I often had to skip work in order to care for her, which inevitably lead to me becoming late on my payments. These past few months ive been cleaning up my credit to help my mom and I have a chance at a better financial future. This account is the only thing left on my credit report holding me back from financial freedom. I Pray twice a day everyday, for XXXX to give me the wisdom I need to get this acct removed from my report. I dont know whomever is going to be reading this response, but im asking you to please help me. I dont mind paying the {$8900.00} owed to you. I know that payment was my responsibility and I am not attempting to justify this breach of user agreement, I was however hoping under certain conditions you might review the circumstances under which this nonpayment occurred and consider removing ( or suppressing ) the negative trade line associated with this account from my three credit reports. im currently in the process of consolidating my debt owed to you so that I can PAY IT IN FULL. However I require your assistance in doing this. If you could just not report my acct to the bureaus for just 1 month, 2 at the most ; but really 1 should be enough. I would be able to gather the funds needed to payoff the debt IN FULL. I am simply asking TOYOTA MOTOR CREDIT for a courtesy gesture of goodwill in having the credit bureaus remove ( or suppress ) this account from my report. I do recognize that this request is unique and that it may not be normal policy. But please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I'm hoping that TOYOTA MOTOR CREDIT will do that in my case for this account. Im sure that there is some type of simple agreement you can send me in response to this request ; if need be I will sign it and send it right back to you. Please whomever is reading this, just give me one chance. Just one chance to fix this problem. I believe it serves both of our interests. You want my money, and I want to give it to you so I can fix my credit and help my mom out. Please. 
Your kind consideration in this matter is greatly appreciated. 
Best Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation