Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota Motor XXXX XXXX XXXX XXXX XXXX furnishing and publishing knowingly inaccurate, misleading, and re-aged information regarding my closed XXXX lease account. The reporting violates FCRA XXXX, XXXX ( b ), XXXX ( a ), XXXX ( a ) ( XXXX ), XXXX ( a ), XXXX ( c ) and multiple XXXX XXXX standards. 

Despite the account being closed years ago, Toyota, XXXX XXXX XXXX continue to : Report new Charge-Off statuses every month, Report a past-due amount on a closed lease, Inflate the balance and high balance, Report false payment history, Report invalid XXXX codes, Misreport the Date of First Delinquency, And re-age the account through XXXX. 

Parties Responsible Primary Furnisher Toyota Motor Credit Corporation XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIOLATIONS XXXX. Illegal Re-Aging & False Updating ( FCRA XXXX ( a ) ( XXXX ), XXXX ( c ) ) Toyota and the bureaus are reporting new monthly updates through XXXX, despite the account : Last payment : XX/XX/XXXX Closed : XX/XX/XXXX DOFD : XX/XX/XXXX ( per their reporting ) The payment history shows ongoing C/O activity long after closure. 

This is re-aging, which is illegal. 

The re-aging artificially extends the derogatory impact beyond the XXXX period allowed by law. 


XXXX. Reporting a Balance and Past-Due on a Closed Lease ( FCRA XXXX ( a ) ( XXXX ) ( A ) ) A vehicle lease can not legally carry : A continuing balance A continuing past due, Monthly payment status updates after termination Yet Toyota/Equifax/TransUnion report XXXX Balance XXXX {$13000.00} Past due : {$13000.00} Scheduled Payment : {$0.00} Amount Paid : {$0.00} Pay Status : Charge-Off This is materially misleading and completely impossible under XXXX XXXX for a terminated lease. 

XXXX. Reporting a Fictitious High Balance of {$28000.00} ( FCRA XXXX ( b ) ) XXXX XXXX XXXX  XXXX : High Balance : {$28000.00} ( XXXX ) This is false. 
A leases high balance can not suddenly double years after default. 

This inflated figure damages my credit utilization metrics and violates the requirement of maximum possible accuracy. 


XXXX. Illegal Multiple Charge-Off Events ( XXXX XXXX XXXX FCRA XXXX ( a ) ( XXXX ) ) The payment history shows : C/O in XXXX C/O in XXXX C/O in XXXX C/O in XXXX C/O in XXXX C/O in XXXX XXXX XXXX clearly states : XXXX A charge-off XXXX only be reporteXXXX XXXX on XXXX month it occurs. 

The repeated monthly C/O events are a direct violation. 

XXXX. XXXX XXXX XXXX Remark Codes ( FCRA XXXX ( a ) ( XXXX ) ) XXXX  reports remarks like : XXXX XXXX XXXX Dashes/ incomplete fields These are not valid XXXX XXXX codes and indicate corrupted or manipulated reporting. 

Corrupted reporting = deletion per CRA policy. 

XXXX. Date of First Delinquency ( DOFD ) Manipulated ( FCRA XXXX ( a ) ( XXXX ) ) The DOFD determines the XXXX reporting period. 

XXXX reporting shows XXXX in XXXX, but the bureaus show multiple later delinquencies through XXXX. 

This extends the derogatory period unlawfully. 


XXXX. Continual Monthly Reporting on a Closed Account ( FCRA XXXX ( a ) ) Toyota continues to furnish new derogatory statuses each month even though : The lease ended The account was charged-off years ago The account is closed Closed accounts can not generate new negative data.

Company response to consumer: Closed with explanation