Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
Toyota Financial Services and XXXX XXXX  are reporting a XXXX XXXX XXXX to my credit report when I called to pay off the car I called this morning and recorded the calls and save them for your records on my devices XXXX XXXX does not have the account synergetic Communications does not have my account and I'm starting to think they let somebody else pay off the car loan in my name and keep the car and the loan in my name I just don't know about it and Toyota Financial Services has me Frozen so I can't get into my account to pay on the car or make payments then they can pursuing me through mail I got the first letter XXXXXXXX XXXX XXXXXXXX I am filing a complaint for illegal debt practicing first of all they never contacted me or sent me any mail for this debt the only time they sent me mail which I still have the letter was in XXXX of last year I've called them I tried to set up a payment arrangement with them and really I think they're lying about the debt to scam me out of {$6000.00} that somebody else paid off the car who I do not know who did not have authorization so they could take over the loan and keep the car in my name I need your help and I have a federal tax ID number for my business I also suspect they are using to get lines of credit and it makes me very upset because here I am trying to pay off a debt that they claim I owe they're too lazy to pursue me but yet you pay these people to go to work everyday then they tell me I owe it then I don't and it's just stuck on my credit report staggering So based off of the phone calls that I recorded this morning I don't owe the debt and I want it off of my credit since neither my creditor XXXX XXXX can find the account nor their collection agency they pay these lazy XXXX people to work for them who don't work I had to call them about my debt and they don't even have it but the year before they took a {$50.00} payment from me for this debt so I need you to find out if there's car loans in my name that shouldn't be using my social and my federal tax ID number and I need you to get them to take that XXXX XXXX XXXX off of my credit since they claim they don't have the debt they can't find it it's going on 3 years now and I'm getting the runaround trying to pay off a car this is XXXX they've done something illegal that they don't want me to find out and then they're going to try to make me pay again which is a scam that's why they didn't send me the letter of validity I asked for regarding the debt I hope you take their heads off for piggybacking off my credit and then you're going to leave the debt on my end but whoever paid off the car you're going to give the car to them with the loan and my name and let them still keep the car why you try to scam me and have me pay another XXXX XXXX I don't XXXX think so and if you look they sent me a letter last year so they have my contact information and if you look at the letter I sent you they don't even have my name on the letter like what are they doing

Company response to consumer: Closed with explanation