Consumer complaint received 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
To whom it may concern, I am submitting this complaint to the Consumer Financial Bureau because Toyota Motor Credit failed to acknowledge and abide by federal law 15 US Code 1692c. ( c ) ( 2 ) Cease and Desist communications. I sent this letter by certified mail on XX/XX/2021. Please refer to the exhibit 1a. On XX/XX/2021 a letter was typed by me indicating to Toyota Motor Credit that they had not stopped communication with me as originally requested and they were in violation of federal law 15 US Code 1692. On XX/XX/2021 I also drafted an affidavit of truth outlining the various violations and that of the federal law of 15 U.S. Code 1605 and 15 U.S. Code 1692 and 15 U.S. Code 1681b and sent a letter and affidavit of truth on XX/XX/2021 via priority mail see exhibit 1b. I am enclosing copies of the recent violations of 15 US Code 1692c. ( c ) ( 2 ) Cease and Desist communications from XX/XX/2021. Toyota Motor Credit is in complete control of their internal IT department and it makes no sense or reason why they could not obey Federal Law and cease communications as requested. So, I am requesting that the Consumer Financial Bureau Protection agency enforce the laws and enforce my consumer rights for these violations that have occurred I demand deletion from my consumer reports. See exhibits A-E attached in this complaint. Also, there is a violation of 1605 ( a ) ( 3 ) Loan Fee, finder fee, or similar charge which shouldve been included in the Finance Charge and was not, there is a violation of 15 U.S. Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy as a consumer was violated by TOYOTA MOTOR CREDIT so they are in violation of 15 U.S. Code 1681 ( a ) ( 4 ). There also is a violation of 15 U.S. Code 1681b which states, Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
I never gave TOYOTA MOTOR CREDIT any written consent or written instructions to report anything on my consumer report. Concerning the account with TOYOTA MOTOR CREDIT as a consumer Im demanding a deletion of the account from my consumer report. According to 15 U.S. Code 1681 : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. In 15 US Code 1605 ( a ) ( 1 ) Finance charge : Congress does not state that a late fee is part of finance. Actually the sum of all fees directly and indirectly have already been included in any consumer credit transaction so late payments are not included in the law passed by Congress on behalf of consumers. My information was also impacted by the XXXX  data breach and may have gotten Into the hands of the wrong person.Thank you in advance

Company response to consumer: Closed with explanation