Consumer complaint received 2023-12-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Consumer Financial Protection Bureau Dear Sir/Madam , I am writing to file a formal dispute complaint regarding unauthorized credit inquiries made on my credit report. These inquiries are not related to any transaction undertaken by me, and multiple unauthorized inquiries were made on my credit report, including two inquiries made on the same day, which I believe constitutes consumer fraud. The unauthorized inquiries listed below have been made without my consent and are in violation of laws such as 15 USC 1644 ( Credit Card Use Fraud ), 15 USC 6801 ( Protection of Non-Public Information ), and 15 USC 6802 ( Obligation to Respect a Disclosure of Information ). 

Unauthorized Inquiries : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 - [ List all unauthorized inquiries with corresponding dates ] I would like to draw your attention to the fact that on XX/XX/2023, my credit report was accessed twice in one day without my authorization, which is a clear violation of consumer protection laws. This unauthorized access to my credit report could potentially lead to my personal information being misused, and I am deeply concerned about the potential ramifications of these unauthorized inquiries.

Furthermore, I believe that my credit application has been turned into a security without my consent, and these financial institutions are trading it in a secondary market, which may constitute consumer fraud and identity theft. The unauthorized transfer of my credit application to other banks without my authorization is a serious breach of my privacy and security.

I request that the Consumer Financial Protection Bureau investigate these unauthorized inquiries and take appropriate action against the institutions responsible for these violations. I also request that the unauthorized inquiries be removed from my credit report to prevent any further misuse of my personal information.

I have enclosed copies of my credit reports & an FTC report number..highlighting the unauthorized inquiries for your reference. I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation