Consumer complaint received 2021-08-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
. Date : XX/XX/ To : XXXX  Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Forward letter To XXXX Bureau of Consumer Protection Federal Trade Commission XXXXXXXX XXXX XXXX XXXXXXXX Washington, DC XXXX Forward letter To : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX XXXX Forward letter To : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX YOU ALL CLEARLY REFUSE TO DO AN INVESTIGATION OR DELETE THE INACCURATE INFORMATION FROM MY REPORT. IVE SENT MULTIPLE LETTERS AND HAVE GOTTEN NO RESPONSE. I AM BEGINNING TO FEEL LIKE THERE IS NOTHING THAT I CAN DO TO RECTIFY THIS SITUATION AND IT HURTS ME AS A MAN. The payment history is STILL incorrect on the oldest late payment The date of last activity is STILL incorrect The name of the creditor is STILL misspelled There are STILL truncated numbers that shouldn't be truncated PLEASE Delete this account!! Thank you, XXXX XXXX Date : XXXX To : XXXX  Supervisor, Legal Department XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXXXXXX XXXX XXXX XXXXXXXX Washington, DC XXXX Forward letter To : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX XXXX Forward letter To : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX OU HAVE SENT NOTHING TO VALIDATE OR VERIFY THIS DEBT AND IT HAS GONE UNINVESTIGATED THIS ENTIRE TIME ALTHOUGH YOU CLAIM THAT EVERYTHING IS VERIFIED. YOU NEED TO PROVIDE PROOF. NOT JUST SOME RANDOM DOCUMENTS THAT PROVE NOTHING .The payment history is STILL incorrect on the oldest late payment. The date of last activity is STILL incorrect The name of the creditor is STILL misspelled There are STILL truncated numbers that shouldn't be truncated Delete this account!! XXXX XXXX Date : XX/XX/ To : XXXX  Supervisor, Legal Department XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXXXXXX XXXX XXXX XXXXXXXX Washington, DC XXXX Forward letter To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX USA Forward letter To : XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX  MN XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX I HAVE SENT IN MULTIPLE LETTERS IN REGARDS TO THIS INFORMATION ON MY CREDIT REPORT. AS YOU CAN SEE, I HAVE ASKED THAT THE INFORMATION BE FORWARDED TO MULTIPLE AGENCIES AND COMPANIES AND IT HAS BECOME APPARENT THAT I AM BEING IGNORED BY THE BUREAUS AND THE CREDITORS ALIKE!!! The payment history is STILL incorrect on the oldest late payment The date of last activity is STILL incorrect The name of the creditor is STILL misspelled There are STILL truncated numbers that shouldn't be truncated Delete this account!! XXXX XXXX Date : XX/XX/ To : XXXX  Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXX XXXX XXXXXXXX, XXXX Washington, DC XXXX Forward letter To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX XXXX Forward letter To : Toyota Motor Credit Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX In spite of any arbitrary information that you have responded with my credit report is STILL REPORTING INCORRECT AND INACCURATE INFORMATION!!!! Clearly, you are not doing an investigation in regards to this ACCOUNT!!!! YOU NEED TO PROVIDE PROOF!!! The payment history is STILL incorrect on the oldest late payment The date of last activity is STILL incorrect The name of the creditor is STILL misspelled There are STILL truncated numbers that shouldn't be truncated. DELETE THIS ACCOUNT IMMEDIATELY OR BE PREPARED TO PAY DAMAGES you havent sent any documents in regards to the reposession or any documents in regards to the selling of the car at auction and you need to have provided all that information in your initial response. Please cease and desist all contact aside by mail until you can get this information corrected.Thank you, XXXX XXXX Date : XXXX  To : XXXX  Supervisor, Legal Department XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXXXXXX XXXX XXXX  XXXX Washington, DC XXXX Forward letter To : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX USA Forward letter To : XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX FL XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX The payment history is STILL incorrect on the oldest late payment The date of last activity is STILL incorrect The name of the creditor is STILL misspelled There are STILL truncated numbers that shouldn't be truncated. i'M NOT UNDERSTANDING HOW YOU ALL COULD POSSIBLY BE DOING AN INVESTIGATION AND THEN TURN AROUND AND SAY THAT EVERYTHING IS VERIFIED AS ACCURATE AND THEN, WHEN I PULL MY CREDIT REPORT AGAIN, EVERYTHING THAT I HAVE LISTED IS WRONG AND INACCURATE IS STILL WRONG AND INACCURATE WHY ARE YOU LYING TO ME? YOU ALSO NEED TO PROVIDE THE CFPB WITH PROOF AND NOT JUST RANDOM DOCUMENTS, XXXX XXXX Date : XX/XX/ To : XXXX  Supervisor, Legal Department XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXXXXXX XXXX XXXX XXXXXXXX Washington, DC XXXX Forward letter To : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX XXXX Forward letter To : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX YOU HAVE FAILED TO COMPLETE A PROPER INVESTIGATION AND CORRECT YOUR ERRORS AND ITS VERY FRUSTRATING PLEASE DELETE THIS ACCOUNT The payment history is STILL incorrect on the oldest late payment The date of last activity is STILL incorrect The name of the creditor is STILL misspelled There are STILL truncated numbers that shouldn't be truncated WHERE IS YOUR PROOF OF ANYTHING? YOU NEED TO PROVIDE IT TO MYSELF AND CFPBXXXX XXXX Date : XX/XX/ To : XXXX  Supervisor, Legal Department XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXXXXXX XXXX XXXXXXXX, XXXX Washington, DC XXXX Forward letter To : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, Virginia XXXX XXXX Forward letter To : XXXX XXXX Account XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX WHY WONT YOU INVESTIGATE THIS AND SEE THAT EVERYTHING THAT I AM TELLING YOU IS THE TRUTH? YOU ARE REQUIRED BY LAW TO INVESTIGATE MY DISPUTE AND CORRECT THESE ERRORS AND I HAVENT EVEN GOTTEN ANYTHING. THERE ARE SO MANY THINGS WRONG WITH THIS ACCOUNT THAT I KNOW FOR A FACT THAT YOU DIDNT DO ANY INVESTIGATION OR YOU WOULD HAVE DELETED IT ALREADY!! YOU NEED TO PROVIDE PROOF. THE BURDEN OF PROOF IS ON YOU AND NOT ME. The payment history is STILL incorrect on the oldest late payment The date of last activity is STILL incorrect The name of the creditor is STILL misspelled There are STILL truncated numbers that shouldn't be truncated Delete this account!! XXXX XXXX Also, I informed XXXX  that they were reporting incorrect addresses for me and they refused to delete the inaccurate addresses. My only address is the address on my identification card that is attached any other address reporting is inaccurate and here by willful noncompliance if still being reported although i have been requesting this address change for months and XXXX  is the only bureau not willing to do so. Also, I requested that these complaints continue to be forwarded to the ftc as well as the XXXX  as in the past. Thank you

Company response to consumer: Closed with explanation