Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX XXXX Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Identity Theft Request for Blocking and Correction Under FCRA ( 15 U.S.C. 1681c-2, 1681i, 1681e ( b ) ) Dear Dispute Department, Please be advised that I am a documented victim of identity theft. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681c-2 ( Section 605B ) and 1681i ( Section 611 ) to request the blocking and permanent removal of fraudulent information, as well as the correction of inaccurate personal data in my file. 

1. BLOCK FRAUDULENT ACCOUNT ( Toyota Motor Credit ) I did not open, authorize, nor sign for the Toyota Motor Credit auto lease account currently appearing in my report. This is the result of identity theft. Under FCRA 605B, you are required to BLOCK this account and all negative reporting, including late payments, charge-off status, and collection comments. 

2. REMOVE INCORRECT / IDENTITY-THEFT ASSOCIATED ADDRESSES Only the following address is valid and should remain on my report : XXXX XXXX XXXX # XXXX XXXX, NY XXXX Please REMOVE the following fraudulent or outdated addresses : - XXXX XXXX XXXX # XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX. CORRECT EMPLOYMENT INFORMATION Only my verified employer should be listed : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Please REMOVE the following incorrect employment entries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IDENTITY THEFT STATEMENT Please retain the existing victim identity theft alert and continue to require confirmation at my telephone number before any credit is issued : XXXX. 

I have attached copies of my government identification, proof of address, FTC Identity Theft Affidavit, and police report. Please complete reinvestigation and blocking actions and mail an updated report to me at the above address. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Subject : Identity Theft Request for Blocking and Correction Under FCRA ( 15 U.S.C. 1681c-2, 1681i, 1681e ( b ) ) Dear Dispute Department, Please be advised that I am a documented victim of identity theft. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681c-2 ( Section 605B ) and 1681i ( Section 611 ) to request the blocking and permanent removal of fraudulent information, as well as the correction of inaccurate personal data in my file.

1. BLOCK FRAUDULENT ACCOUNT ( Toyota Motor Credit ) I did not open, authorize, nor sign for the Toyota Motor Credit auto lease account currently appearing in my report. This is the result of identity theft. Under FCRA 605B, you are required to BLOCK this account and all negative reporting, including late payments, charge-off status, and collection comments. 

2. REMOVE INCORRECT / IDENTITY-THEFT ASSOCIATED ADDRESSES Only the following address is valid and should remain on my report : XXXX XXXX XXXX # XXXX XXXX, NY XXXX Please REMOVE the following fraudulent or outdated addresses : - XXXX XXXX XXXX # XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX. CORRECT EMPLOYMENT INFORMATION Only my verified employer should be listed : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Please REMOVE the following incorrect employment entries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 4 . IDENTITY THEFT STATEMENT Please retain the existing victim identity theft alert and continue to require confirmation at my telephone number before any credit is issued : XXXX. 

I have attached copies of my government identification, proof of address, FTC Identity Theft Affidavit, and police report. Please complete reinvestigation and blocking actions and mail an updated report to me at the above address. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Identity Theft Request for Blocking and Correction Under FCRA ( 15 U.S.C. 1681c-2, 1681i, 1681e ( b ) ) Dear Dispute Department, Please be advised that I am a documented victim of identity theft. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681c-2 ( Section 605B ) and 1681i ( Section 611 ) to request the blocking and permanent removal of fraudulent information, as well as the correction of inaccurate personal data in my file. 

1. BLOCK FRAUDULENT ACCOUNT ( Toyota Motor Credit ) I did not open, authorize, nor sign for the Toyota Motor Credit auto lease account currently appearing in my report. This is the result of identity theft. Under FCRA 605B, you are required to BLOCK this account and all negative reporting, including late payments, charge-off status, and collection comments.

2. REMOVE INCORRECT / IDENTITY-THEFT ASSOCIATED ADDRESSES Only the following address is valid and should remain on my report : XXXX XXXX XXXX # XXXX XXXX, NY XXXX Please REMOVE the following fraudulent or outdated addresses : - XXXX XXXX XXXX # XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX. CORRECT EMPLOYMENT INFORMATION Only my verified employer should be listed : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Please REMOVE the following incorrect employment entries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IDENTITY THEFT STATEMENT Please retain the existing victim identity theft alert and continue to require confirmation at my telephone number before any credit is issued : XXXX. 

I have attached copies of my government identification, proof of address, FTC Identity Theft Affidavit, and police report. Please complete reinvestigation and blocking actions and mail an updated report to me at the above address. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX Subject : Identity Theft Request for Blocking and Correction Under FCRA ( 15 U.S.C. 1681c-2, 1681i, 1681e ( b ) ) Dear Dispute Department, Please be advised that I am a documented victim of identity theft. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681c-2 ( Section 605B ) and 1681i ( Section 611 ) to request the blocking and permanent removal of fraudulent information, as well as the correction of inaccurate personal data in my file. 

1. BLOCK FRAUDULENT ACCOUNT ( Toyota Motor Credit ) I did not open, authorize, nor sign for the Toyota Motor Credit auto lease account currently appearing in my report. This is the result of identity theft. Under FCRA 605B, you are required to BLOCK this account and all negative reporting, including late payments, charge-off status, and collection comments. 

2. REMOVE INCORRECT / IDENTITY-THEFT ASSOCIATED ADDRESSES Only the following address is valid and should remain on my report : XXXX XXXX XXXX # XXXX XXXX, NY XXXX Please REMOVE the following fraudulent or outdated addresses : - XXXX XXXX XXXX # XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX. CORRECT EMPLOYMENT INFORMATION Only my verified employer should be listed : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX Please REMOVE the following incorrect employment entries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IDENTITY THEFT STATEMENT Please retain the existing victim identity theft alert and continue to require confirmation at my telephone number before any credit is issued : XXXX. 

I have attached copies of my government identification, proof of address, FTC Identity Theft Affidavit, and police report. Please complete reinvestigation and blocking actions and mail an updated report to me at the above address. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Subject : Identity Theft Request for Blocking and Correction Under FCRA ( 15 U.S.C. 1681c-2, 1681i, 1681e ( b ) ) Dear Dispute Department, Please be advised that I am a documented victim of identity theft. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681c-2 ( Section 605B ) and 1681i ( Section 611 ) to request the blocking and permanent removal of fraudulent information, as well as the correction of inaccurate personal data in my file.

1. BLOCK FRAUDULENT ACCOUNT ( Toyota Motor Credit ) I did not open, authorize, nor sign for the Toyota Motor Credit auto lease account currently appearing in my report. This is the result of identity theft. Under FCRA 605B, you are required to BLOCK this account and all negative reporting, including late payments, charge-off status, and collection comments.

2. REMOVE INCORRECT / IDENTITY-THEFT ASSOCIATED ADDRESSES Only the following address is valid and should remain on my report : XXXX XXXX XXXX # XXXX XXXX, NY XXXX Please REMOVE the following fraudulent or outdated addresses : - XXXX XXXX XXXX # XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX. CORRECT EMPLOYMENT INFORMATION Only my verified employer should be listed : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX Please REMOVE the following incorrect employment entries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IDENTITY THEFT STATEMENT Please retain the existing victim identity theft alert and continue to require confirmation at my telephone number before any credit is issued : XXXX. 

I have attached copies of my government identification, proof of address, FTC Identity Theft Affidavit, and police report. Please complete reinvestigation and blocking actions and mail an updated report to me at the above address. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Identity Theft Request for Blocking and Correction Under FCRA ( 15 U.S.C. 1681c-2, 1681i, 1681e ( b ) ) Dear Dispute Department, Please be advised that I am a documented victim of identity theft. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681c-2 ( Section 605B ) and 1681i ( Section 611 ) to request the blocking and permanent removal of fraudulent information, as well as the correction of inaccurate personal data in my file.

1. BLOCK FRAUDULENT ACCOUNT ( Toyota Motor Credit ) I did not open, authorize, nor sign for the Toyota Motor Credit auto lease account currently appearing in my report. This is the result of identity theft. Under FCRA 605B, you are required to BLOCK this account and all negative reporting, including late payments, charge-off status, and collection comments.

2. REMOVE INCORRECT / IDENTITY-THEFT ASSOCIATED ADDRESSES Only the following address is valid and should remain on my report : XXXX XXXX XXXX # XXXX XXXX, NY XXXX Please REMOVE the following fraudulent or outdated addresses : - XXXX XXXX XXXX # XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX. CORRECT EMPLOYMENT INFORMATION Only my verified employer should be listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX Please REMOVE the following incorrect employment entries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IDENTITY THEFT STATEMENT Please retain the existing victim identity theft alert and continue to require confirmation at my telephone number before any credit is issued : XXXX. 

I have attached copies of my government identification, proof of address, FTC Identity Theft Affidavit, and police report. Please complete reinvestigation and blocking actions and mail an updated report to me at the above address. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX Toyota Motor Credit Corporation XXXX. XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Notice of Identity Theft and Furnisher Responsibility Under FCRA 623 ( a ) ( 3 ) To Whom It May Concern, This letter serves as formal notice that the Toyota Motor Credit auto lease account reported under my name is the result of identity theft. You are required under FCRA 623 ( a ) ( 3 ) to conduct a full investigation and to cease reporting any information that can not be verified as accurate. 

Please coordinate with the credit reporting agencies to have this account removed and provide written confirmation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation