Consumer complaint received 2015-06-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I AM AWAITING A RESPONSE FROM ALL XXXX CREDIT BUREAUS.I have contacted the company, Toyota Motor Corp. on XXXX occasions in regards to account XXXX. My XXXX letter dated XX/XX/XXXX by Certified Mail and it was retuned as RETURN TO SENDER. They have the incorrect address online to correct inaccuracies. 
The XXXX time I contacted them was dated XX/XX/XXXX. To this date they have failed to submit a response to me. They did respond my mail to my husband who had the joint account with me in which they used a stalling tactic stating they believe their records are true and used false dates with no explanation of what the dates listed were for. 
What we both asked for in the letters submitted to them was for XXXX to correct the Rating Status that they had us both in to " GOOD '' and to erase the " POOR '' status they had us in. 
I also contacted XXXX to correct the Hard Inquiries they have when I went to see if I should trade in my car and they have listed XXXX Hard Inquiry : Listed XXXX times by XXXX with different banks, dated XX/XX/XXXX and XX/XX/XXXX which should only be listed as XXXX hard inquiry. I said we were not interested any more in purchasing a vehicle and XXXX XXXX and his Manager XXXX XXXX insisted on calling every day to finance us with a used car. I have also contacted their company with no response. XXXX XXXX XXXX ( Dated : XXXX/XXXX/XXXX ) should be the only XXXX listed with the next XXXX as XXXX inquiry. Please see all the inquiries below and the date they had banks review my credit. 

XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXXI am not sure if this is common practice for XXXX to ignore a " Dispute Letter '' from a consumer in requesting a correction that XXXX has falsely reported on to my account. I am also not sure if it is common practice for the company to answer XXXX person on the account and no the other co-signor, if both signees wrote XXXX separate certified letters/mailings. 
I just want my credit status rating to be recorded accurately and to reflect the true status of " GOOD '', since they have stated my account is " Paid as Agreed/Closed and Good '' XXXX did respond to my spouse for the very first time on XX/XX/XXXX, to his dispute, which had insufficient and inadequate information to validate the inaccurate reporting from Toyota Motor Corp Company to all three credit bureau agency 's ( XXXX, XXXX and XXXX ) in regards to his credit standing. The information XXXX previously provided ( from credit report viewing on XX/XX/XXXX stated that his account ( which is also my account { Joint Account } is in " GOOD STANDING / PAID AS AGREED / CURRENT / CLOSED '' and yet holds a " NEGATIVE/POOR STATUS ''. The status XXXX holds on ether of our accounts, on both of our credit reports is contradicting to what is written about my account by your company. 

I kindly requested proof of payment showing late payments, how it was made ( form of payment ) and when it was paid on. XXXX never write me back. 

They wrote on the letter that was sent to my husband, in which we both do not agree with, the dates XXXX listed with NO EXPLANATION : " The payment history reporting for this account is XXXX for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, XXXX and XXXX. " These dates, above, if meaning " late payment '' in these months, are incorrect! The information XXXX provided the credit bureaus do not even reflect the same dates. XXXX company is purposely providing and filing false information and refusing to provide the full investigation of my dispute and correction of my account that I am entitled to by law. They blatantly ignored my letter of dispute.

Company response to consumer: Closed with explanation