Consumer complaint received 2023-03-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX of XXXX, at approximately XXXXXXXX XXXX, a car did a U-turn and wrecked into my XXXX XXXX XXXX XXXX as I was driving to work. I called XXXX and reported the accident. A police officer came to the scene and gave the other party a ticket. I reported this incident to my insurance provider, XXXX. The other driver was determined to be at fault for the accident. I took my XXXX to get inspected and it was determined that it was a total loss and unsafe to drive. I received a payoff amount from my insurance totaling the amount of {$10000.00}, what was determined to be the amount that my car was worth. My payoff amount on my financed XXXX to Toyota Financial Services was {$11000.00}. After the {$10000.00} was applied to my loan, I still owed {$710.00} on the loan, according to an email I received from my insurance provider. I continued to pay off the rest of the loan on time every month, with monthly payments of approximately {$220.00}. On XX/XX/XXXX, I paid the payoff amount of {$71.00}, as was stated on my Toyota Financial Services account. I also called them the same day to ask how to pay the payoff amount. On my credit report, my last payment is said to have been made on XX/XX/XXXX. This is inaccurate, as I did not have anymore payments after my payoff amount of {$71.00} was paid on the scheduled payment date of XX/XX/XXXX. XXXX XXXX XXXX, the creditor, is stating that my account is in a derogatory status because I made my payment after it went into collections. I paid the last payment on time before the account was closed and went into collections on XX/XX/XXXX, as shown in my bank statements and through emails that I received from Toyota Financial Services. I have sent numerous credit disputes to each of the major credit bureaus known as XXXX, XXXX, and XXXX, and none of the information has been corrected. I also sent a dispute letter to Toyota Motor Credit CorpXXXX on XX/XX/XXXX of XXXX and never received a reply from them regarding my account and credit, however, they did change the remarks on the accounts to " Customer disagrees ''. I have also called Toyota Financial services multiple times, and asked for a detailed report to be sent to my address because their website never displayed the payments with dates provided on my account. I never got the report with my account information on it sent to my address. 
Each report from the major credit bureaus says something different. I have written what they say below regarding my account associated with the creditor : My last payment was made on XX/XX/XXXX and was posted on XX/XX/XXXX. My XXXX credit report remarks state : Payment after charge off/collections. It also states that my last payment was made on XX/XX/XXXX. 
My XXXX report states that my account associated with Toyota Motor Credit Corp is Paid and Closed. This report is stating that my last payment was made on XX/XX/XXXX. 
My XXXX report states that my account has been ; Paid, was a charge-off.

Company response to consumer: Closed with explanation