Consumer complaint received 2015-07-10
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

Lexus Financial ServicesXXXX. XXXX XXXX XXXX, IA XXXX - I am in Dispute of - THE RESULTS OF YOUR INVESTIGATION - FILE NUMBER- XXXX - DATE ISSUED XX/XX/2015TOYOTA XXXX XXXX XXXX # XXXX ( Enclosed ) Equifax- I am in Dispute of - THE RESULTS OF YOUR INVESTIGATION -CREDIT FILE DATED : XXXX XXXX XX/XX/XXXX Confirmation # - XXXX / of RECEIVED : XX/XX/2015 ( ENCLOSED ) EXPERIAN - I am in Dispute of - THE RESULTS OF YOUR INVESTIGATON - CREDIT FILE DATED- XXXX XXXX, 2015 - REPORT NUMBER- XXXX RECEIVED : XXXX XXXX, 2015 ( Enclosed ) To Whom It May Concern - REINVESTIGATION RESULTS/ BILLING ERROR DISPUTE / INACCURATE ACCOUNTIn response to CORRESPONDENCE RECEIVED FROM : LEXUS FINANCIAL SERVICES : Received on XXXX XXXX 2015. Dated XXXX/XXXX/15 : ( See Attached Copy ) Re : XXXX - XXXX XXXXThis account number does not correlate with the account numbers listed on my credit reports from the aforemented above credit reporting agencies. I am in dispute of this misleading inaccurate deceptive statement. To be more specific, this statement does not give accurate details. For example, the VIN number for this account should be included on your statement. 
Subsequently, inaccurate financial reporting may be the result of carelessness, lack of information, misinterpreting data or dishonest employees. Whatever the cause, the results can range from inconvenience to major problems. As a business owner, your company needs to be cognizant of the potential problems and be sure that your accounting is managed correctly. To take this action a step further, " The FTCA breaks down an " unfair or deceptive act or practice '' into XXXX different legal standards : XXXX for unfair, and another for deceptive. A party is in violation of the act when they are found liable under either or both of these standards. Most important, " An unfair act or practice under the FTCA is one that can not reasonably be avoided by the consumer ; and causes, or is likely to cause, the consumer some sort of injury. The act or practice by the business will also be either no, or very little, benefit to the consumer. An act or practice is considered deceptive when it involves a material representation or omission that is reasonably likely to mislead a consumer. A representation or omission is material when it is an important or main reason for the customer 's decision to purchase the good or service. There is no need to establish intent to deceive in order to find a company liable for a deceptive act or practice under the FTCA ''. 
I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with ( you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted LEXUS FINANCIAL SERVICES / XXXX XXXX XXXX agency myself and have been unable to get them to verify that this is indeed an accurate debt. First and far most, this letter is a formal notice that : Account 1 ) : XXXX LEXUS FINANCIAL SERVICES XXXX Account : XXXX - is an inaccurate account. This is the first inaccurate Noticeable point, I would like to imprecise. Next, Account 2 ) XXXX XXXX XXXX XXXX - Account : XXXX is an inaccurate account. ACCOUNT 3 ) XXXX Account : XXXX. 

Therefore, this account is apparently a BILLING ERROR DISPUTE/ OR fraudulent account. Your re-investigation will determine, there is certainly more than one creditor, for the same vehicle/ with the same- Vehicle Identification Numbers ( VINs ) - Vehicle Identification Numbers are unique codes given to each on-road vehicle in the United States XXXX