Consumer complaint received 2025-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
TOYOTA MOTOR CREDIT DATE XX/XX/year> Furnished alleged late payments on my XXXX, that the late payment was furnished to that you identified as late. 
The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date. 
For any creditor to treat a payment as late you must prove the following : 1 ) Each Periodic statement ; and 2 ) The information required under 15 USC 1637 ( b ) of this title ; 3 ) was mailed out or delivered ; 4 ) 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 30 calendar days to send me all the required information. 
A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. 
Do not rely to me stating that you are furnishing accurate information because we both know your not. 
Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1666b & 1637 ( b ). 
If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. 
In addition to the 16 USC 1666b requirements the alleged late payment that you have furnished is negative information and as a financial institution by law you are required to be in compliance with 15 USC 1681 s-2 ( 7 ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( A ) Notice to consumer required ( i ) In general If anyfinancial institutionthat extendscreditand regularly and in the ordinary course of business furnishes information to aconsumer reporting agencydescribed insection 1681a ( p ) of this titlefurnishesnegative informationto such an agency regardingcreditextended to acustomer, thefinancial institutionshall provide a notice of such furnishing ofnegative information, in writing, to thecustomer. 
( ii ) Notice effective for subsequent submissions After providing such notice, thefinancial institutionmay submit additionalnegative informationto aconsumer reporting agencydescribed insection 1681a ( p ) of this titlewith respect to the same transaction, extension ofcredit, account, orcustomerwithout providing additional notice to thecustomer. 
( B ) Time of notice ( i ) In general The notice required under subparagraph ( A ) shall be provided to thecustomerprior to, or no later than 30 days after, furnishing thenegative informationto aconsumer reporting agencydescribed insection 1681a ( p ) of this title. 
Prove the tracking number for the notice with the date time year stamp of when this negative information notice was sent out to me before this negative information was furnished to the consumer reporting agency! This information is being requested in good faith pursuant Rule 1002. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation