Consumer complaint received 2025-12-09 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:
False Credit Reporting Payment Misposting Ledger Errors FCRA/CCRAA Violations I am filing this complaint because Mazda Financial Services is inaccurately reporting multiple 30-day late payments to XXXX XXXX XXXX XXXX . These reported delinquencies are false, caused entirely by Mazdas own internal payment reversals, returned-funds errors, and inconsistent ledger records. Mazda is violating its duties under the Fair Credit Reporting Act ( FCRA 1681s-2 ( b ) ) and Californias CCRAA ( Civil Code 1785.25 ( a ) ). 

1. Background I have made payments on time through Mazdas online portal. However, Mazdas internal accounting system repeatedly : Reversed my payments without cause Marked payments as Funds Returned Reapplied payments days or weeks later Assessed late charges caused by their own reversals Reported these manufactured delays as 30-day late payments Mazda then represented these system-created delays to the credit bureaus as true consumer delinquency, damaging my credit profile. 

2. Mazdas CFPB Response Was Incomplete and Misleading In Mazdas previous CFPB response, they claimed I was 30+ days late in : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Mazda asserted these were accurately reported. 
However, Mazda failed to disclose that the payment dates they relied on had been changed internally due to their own reversals and returned-funds errors. 

3. New Evidence : My Mazda Portal Ledger Directly Contradicts Mazdas Ledger I have now obtained my Mazda Financial Services Portal Ledger, which shows the actual dates I submitted payments. 

When compared to Mazdas internal ledger, the two documents contradict each other, proving Mazdas ledger can not be relied on. 

A. XX/XX/XXXX The clearest example Portal Ledger : Shows payment Paid on XX/XX/XXXX. 

Mazdas Ledger / CFPB Response : Claims this payment was not received until XX/XX/XXXX, and then Mazda said the XXXX payment was not made until XX/XX/XXXX. 

This is factually false. 

Mazda reversed this payment multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and reassigned dates internallycreating artificial lateness that they reported to the credit bureaus. 

B. XX/XX/XXXX Portal Ledger : XXXX XX/XX/XXXX, XXXX day before the due date. 

Mazdas Ledger : Claims payment was not received until XX/XX/XXXX ( 54 days late ). 

This can only occur if Mazda reversed or delayed the payment internally. 
I was not 30 days late. 

C. XXXX & XX/XX/XXXX My portal ledger shows multiple timely payments in these months. 
Mazdas ledger shows : Reversals Returned funds Reposted payments Late fees added immediately after reversals Mazda then reported me late for the same months they reversed my payment. 

All of these reversals were internal Mazda errors, not delinquency. 

4. Mazdas Ledger Is Unreliable and Not a Valid Basis for Credit Reporting Mazdas internal records contain : Payment dates that contradict the actual portal payments Reassigned posting dates Funds returned without explanation Duplicate reversals Reapplied payments days or weeks later When the consumers ledger and Mazdas own ledger disagree, Mazda is required under FCRA 1681s-2 ( b ) to either : Correct the reporting, or Delete the unverifiable information. 

Instead, Mazda continued reporting the false delinquencies and told the CFPB they were accurate. 

5. Legal Violations Mazdas conduct violates : FCRA 1681s-2 ( b ) Failing to conduct a reasonable reinvestigation Failing to review all relevant information ( including the portal ledger ) Continuing to furnish information that is inaccurate or unverifiable CCRAA 1785.25 ( a ) Prohibits furnishing information known or should have been known to be inaccurate Mazda had access to both ledgers. They ignored the discrepancies. 

6. Fair Resolution Requested I request that the CFPB require Mazda to : Correct all credit bureau reporting and remove any late payments created by their own system errors. 

Update all payment dates to reflect the dates shown in my portal ledger. 

Delete all inaccurate 30-day late notations for : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Remove all late fees created by Mazdas reversals. 

Provide a corrected, accurate ledger without internal reversals, reassigned dates, or unexplained Funds Returned entries. 

This is a reasonable resolution consistent with Mazdas obligations under federal and state law. 

7. Conclusion Mazdas internal ledger can not be trusted. 
My portal payment history proves Mazda misposted and reversed timely payments, then furnished those errors to the credit bureaus as delinquency. 

These inaccuracies have harmed my credit, caused denials, and continue to create financial damage. 

I request the CFPBs intervention to ensure Mazda corrects its reporting and complies with its legal obligations.

Company response to consumer: Closed with explanation