Consumer complaint received 2025-06-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
The XXXX XXXX is was purchased in XXXX still reporting in my credit file as of XX/XX/XXXX We are in XXXX. XX/XX/XXXX as a matter of fact. I have reach out to to XXXX/toyota finance regarding this matter couples of times with no effort or want to resolve this issue though my credit files will show you that Im a repeated XXXX customer with about XXXX paid off XXXX account that I have paid on time for over the last decade or so. This matter is rather particular because Im normally very good with my credit and paying back loans. XXXX/Toyota motor finance on the other hand does not have no mercy for customers disasters seen or unseen the elderly health condition or the XXXX military that I and my family members are a part of some currently serving over seas for all of our safety. All the XXXX we owned. This one has non stop issues since purchase. They single handled stop my credit from progressing for the last 2 years its been open and i am asking for a full removal because this account is reporting negative and inaccurate on my credit file because the car was sold at the at auction by XXXXToyta Finance they sold this with out my consent or nor did I get a chance to participate at the auction nor will they give me XXXX or XXXX I requested months ago this the vehicle was sold at the auction for way less money than it should they sold and charge me the customer for the difference of there on and I can not even see if that is what they even sold it for because the true sales was not done in my attendance. When the car was repossessed the sunroof was left open and they could have been cover if had no keys a unreliable uneducated company was hired to mine and pick up millions on XXXX and Toyota across the XXXX the same way the sane treatment across the world an drag them to theyre garage for months now for the bank can go get it so XXXX my brand new XXXX being drag from in from of you home with sunroof open then sit on a lot for 3 months before sold to auction. Car had ridiculous amount of mildew and mold and damages that was done by tow company. 
These damages was not on the vehicle so it was not in my best interest to get it back because of negligence other and lack of professionalism however they sold this vehicle at auction for way less than the actual value and put that on my credit file when was sold was sold for way less than the current market value of a XXXX XXXX XXXX you can see what the sold it for Way less. Than current market value they want to settle but not a desirable amount because I have a XXXX balance to theyrebegin with was about XXXX XXXX in remains payments way less than what was reporting on my credit file.with them offer me to get the vehicle back I refuse because of the conditions. They since time of purchase offer me XXXX different amount to settle this debt but I dont owe them any thing because this debt is already settled in full. they offer me was sum of XXXX then XXXX lastly XXXX so they went from XXXX to XXXX in the space of a conversation show they are double dipping this federal crime to charge consumer twice or XXXX or 4 times for the same product Further more they go on to sell my account to XXXX XXXX XXXX who is Also very hard to deal with they are pointing fingers and Im not getting any where and so is my credit due to this incident on my credit file Please they will not handle this the way they should so Im asking for help by having this item removed so I can go on to build my credit file so I can purchase our family home thanks in advance..

Company response to consumer: Closed with explanation