Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX has not provided validation of the debt in question. XXXX has not validated any debt to the credit bureaus it has been reporting to for 6 years. I am asking that proper documentation be obtained with all accurate and questionable information requested. I am also reporting this account shows an opened account on my credit profile with the credit bureaus. 




XX/XX/2025 XXXX XXXX XXXX XXXXthere are too many addresses related to this business, so one will not be distinguished. 

Re : Request for Debt Validation Dear, XXXX XXXX XXXX I am writing to request validation of the debt that your agency claims I owe. Please be advised that this letter is being sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), which gives me the right to request detailed information regarding the debt in question. I also request this under the Fair Credit Reporting Act ( FCRA ) to ensure that any reporting is accurate and verifiable. 

Please provide the following details related to the debt in question : XXXX. The amount of the debt : Please provide the exact amount that you claim I owe, including any fees, interest, penalties, and any other charges. 


XXXX. The name of the original creditor : Please provide the name of the entity to whom the debt was originally owed. If this debt was transferred or sold, please provide the name of the original creditor and the date the transfer occurred. All collection actions that were made for the debt claimed. 


3. Verification of the debt : Please provide a copy of the signed agreement or contract that proves I owe this debt. This should include a detailed account statement showing all charges, payments, and adjustments made to the account. Please send a copy of the signed contract or agreement that reflects the debt and a complete account history showing all transactions, payments, charges, and interest from the date of origination to the present. Please include the date of the first delinquency. 

XXXX. Any related communication to the repossession occurring due to payment not being obtained or lapse thereof. Including the method of proof of such. Please include the state in which this debt was claimed. The state in which the debt was obtained. The state in which the action resulted in a repossession. 


XXXX. Confirmation of your authority to collect the debt : Please provide documentation showing that you are authorized to collect on behalf of the original creditor or that you own the debt. If there has been an offset of this debt, including any matter or writing off the debt in question and the balance that was written off, how the debt was written off, and with whom, if such debt is not viable with your company, I am requesting the 1099C form for such actions.

6. If any transactions involving arbitration have occurred, please attach them as well. 

XXXX. Please provide proof of this account stating why it is considered open to the credit reporting bureaus. 


As required by law, you are to cease all collection efforts until the debt is validated. If you are unable to provide proper documentation validating this debt, you must cease reporting it to any credit bureaus and remove any negative reports associated with it. 

Please note that this request for validation is not an admission of liability for the debt. If you can not provide the requested information within 30 days under the Fair Credit Reporting Act, I request that you cease any further collection efforts, including reporting this debt to any credit bureaus. Until such verification is provided and proven, I expect this account to be marked as " disputed '' with all credit reporting agencies. 



Please provide the requested documentation within 30 days of receipt of this letter, as required under the FDCPA. Failure to do so will be considered a violation of my rights under both the FDCPA and FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation