Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint regarding a fraudulent Toyota Motor Credit account that is negatively impacting my credit report. I am a lifelong resident of California and have never applied for or opened any account with Toyota Motor Credit. Fraudulent Account Details Toyota Motor Credit account ( showing as closed ) Opened : XX/XX/year> Reported balance : {$35000.00} What Happened I discovered a Toyota Motor Credit account on my credit report that I did not open, authorize, or have any connection to. I have never done business with Toyota Motor Credit in any capacity. This account is fraudulent and was never opened by me. Fraudulent Name and Associated Addresses Toyota Moto r Credit has repeatedly claimed they " can not find the account '' under my legal name, XXXX XXXX XXXX. However, the fraudulent account may have been opened under the name " XXXX XXXX XXXX, '' or " XXXX XXXX XXXX '' which is not my name and has never been used by me. I have specifically instructed Toyota to search for any accounts under both my information and the fraudulent name " XXXX XXXX XXXX. '' The fraudster also used fraudulent addresses that I have never lived at, specifically : XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never lived in Texas, never visited Texas, have no relatives or connections there, and have lived my entire life in California. Actions I Have Taken I immediately contacted Toyota Motor Credit by phone to dispute the account, explaining that it was fraudulent and not mine. I provided detailed written correspondence to Toyota, giving them my real name and also the fraudulent name and addresses so they could properly investigate and locate the account. I have disputed this account with all three major credit bureaus ( XXXX, XXXX, and XXXX ). I have previously submitted a CFPB complaint about this same issue. Each time, Toyota Motor Credit has responded that they " can not find '' the account under my legal name, but has failed to search under the fraudulent name " XXXX XXXX XXXX '' or the fraudulent Texas addresses, despite my explicit instructions. The account is still showing as a closed account on my credit reports, but it continues to harm my credit profile and must be permanently removed from all three bureaus. Supporting Documentation Submitted With my disputes, I have provided all possible supporting documentation, including : Front and back of my California drivers license Social Security card ( front ) FTC Identity Theft report Police report Home insurance policy for my California residence Utility ( energy ) bill for my California residence These documents confirm my identity and my long-term California residency XXXX and clearly prove that I have never lived in Texas, XXXX, XXXX XXXX , or anywhere remotely connected to this fraudulent account. Toyotas Response Toyota Motor Credit has failed to conduct a proper investigation. Their repeated statements that they " can not find '' the account under my legal name are not an acceptable response and do not satisfy their obligations under federal and California law. Ignoring the evidence and failing to search under the fraudulent name and addresses is negligent and has left me with fraudulent information that continues to damage my credit and cause me serious distress. Legal References Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) and 1681i, furnishers such as Toyota Motor Credit are required to report accurate information, to promptly investigate disputes, and to correct or delete any information found to be inaccurate or the result of identity theft. Under California law ( California Consumer Credit Reporting Agencies Act, Cal. Civ. Code 1785.16 ), I have the right to dispute inaccurate or fraudulent information and the company must thoroughly investigate and promptly correct any errors. By failing to properly investigate and remove this fraudulent account, Toyota Motor Credit is in violation of both federal and California law and is exposing itself to potential civil liability. Summary and Request I am requesting the CFPBs urgent assistance in compelling Toyota Motor Credit to : Conduct a thorough investigation using both my real name ( XXXX XXXX XXXX ) and the fraudulent name ( " XXXX XXXX XXXX '' or XXXX XXXX XXXX ) and fraudulent Texas addresses. Permanently remove this fraudulent, closed account from my credit report at all three credit bureaus. Provide me with written confirmation of the removal through email XXXX Take steps to ensure this never happens again. I have already provided overwhelming evidenceincluding state-issued ID, Social Security card , police and FTC reports XXXX and multiple proofs of California residencythat this account is not mine and that I have never lived in Texas. It is unacceptable and damaging for this account to remain on my credit reports. I am asking the CFPB to take this situation seriously and to hold Toyota Motor Credit accountable for their repeated failure to protect my rights as a consumer. Note : Check the Police and FTC report for evidence of this account that is showing. Toyota Motor Credit Account # XXXX VIN # XXXX Make : XXXX XXXX XXXX : XXXX Model : IS XXXX Amount : {$35000.00} Thank you for your attention to this matter.

Company response to consumer: Closed with explanation