Consumer complaint received 2023-06-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, La.70459 XXXX XXXX Toyota Motor Credit XXXX XXXX XXXX XXXX XXXX , IA XXXXXXXX Subject : Dispute Letter of Complaint Regarding Inaccurate Information and Violation of Rights Under FCRA, XXXX , GLBA, and 4th Amendment Dear Sir/Madam, I am writing to bring to your attention the serious matter of inaccurate information being reported by Toyota Motor Credit , which is a direct violation of my rights under the laws of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681 ( I ) s2b, as well as the Magnuson-Moss Warranty Act  ( XXXX ) and Gramm-Leach-Bliley Act  ( GLBA ). Additionally, I believe that Toyota Motor Credit 's actions have infringed upon my rights protected under the 4th Amendment of the United States Constitution. Therefore, I am demanding the immediate deletion and suppression of the account associated with my credit profile. Failure to comply with this request will result in my pursuit of damages for willful non-compliance. 
Under 15 U.S.C 1681 section 602 A, I am granted the right to privacy, which has been violated by Toyota Motor Credit 's inaccurate reporting. Furthermore, 15 U.S.C 1681 Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions, which have not been provided or authorized in this case. Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information in a consumer report, except for records of convictions of crimes that are more than seven years old. 
Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from furnishing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Toyota Motor Credit has clearly violated this provision of the Fair Credit Reporting Act by providing inaccurate information to the reporting agencies. 
In light of the aforementioned violations, I request that you immediately delete and suppress the account associated with my credit profile. This is not only my right as protected by federal law but also an essential step towards rectifying the inaccuracies that have been reported. 
The following is a list of specific accounts that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : [ Specify the accounts and relevant details here ] I must emphasize that this matter is of utmost importance, as it concerns my rights as a consumer. I expect a prompt response from Toyota Motor Credit confirming the removal of the disputed account from my credit profile. Failure to comply with this request will leave me with no choice but to seek legal action and pursue damages for the willful non-compliance with federal laws and regulations.

I trust that Toyota Motor Credit will take this matter seriously and undertake the necessary steps to rectify the situation promptly. Please provide me with written confirmation of the actions taken to resolve this dispute within XXXX  days of receiving this letter. 
Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation