Consumer complaint received 2025-08-07 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: RI

Complaint narrative:
I am disputing the reporting of an auto lease account from Toyota Motor XXXX ( Account # XXXX ) that is being reported inaccurately, inconsistently, and unlawfully across all three major credit bureaus XXXX XXXX and XXXX. These reporting errors violate the Fair Credit Reporting Act ( FCRA ), Metro 2 compliance standards, and consumer protection laws under both federal and state statutes. 

I am requesting a full, independent reinvestigation under FCRA XXXX, and am asserting my rights under FCRA XXXX ( b ), which requires credit bureaus to maintain the maximum possible accuracy in credit reporting. 

Breakdown of Inaccuracies by Bureau : XXXX Payment Status : Current, was past due XXXX  days or more this is categorically false. The account is closed and marked terminated in other reports. A closed account can not be current and XXXX days past due. 

Payment History : Reports XXXXday lates for XXXX consecutive months ( XX/XX/XXXX to XX/XX/XXXX ). This is impossible under Metro 2 rules once an account hits XXXX, it must either cure, charge off, or close. Repeating XXXX lates shows fabricated or mishandled data. 

Last Activity : XXXX reports XX/XX/XXXX, while others list XX/XX/XXXX or XX/XX/XXXX this is a critical inconsistency. 

Balance : Still reports {$12000.00}, even though XXXX  says the lease was completed per terms. There should be no remaining balance if the lease is closed and paid. 

XXXX Payment History : Shows OK for every month, including the same months where XXXX  and XXXX report XXXX to XXXXday delinquencies. This is clearly contradictory. 

Comments : " Full termination/balance owing '' but no explanation why this balance remains or if the account is being collected. 

Status : Paid or paying as agreed also inconsistent with other reports that show late payment history. 

XXXX Payment Status : Pays account as agreed conflicts with XXXX late payment data. 

Comments : States LEASE-FULL TERMINATION / ENTIRE PAYMENT SCHEDULE COMPLETED, which would indicate the account is closed and satisfied, yet still lists a balance of {$12000.00}. 

Delinquency Reporting : Shows a chaotic and misleading timeline of delinquencies XXXX, XXXX, XXXX, and back to XXXX. This makes no logical sense under Metro 2 standards and is materially misleading. 

Legal Violations Across All Bureaus : FCRA XXXX ( b ) Failure to maintain maximum possible accuracy. 

FCRA XXXX Failure to conduct a reasonable reinvestigation. 

FCRA XXXX ( a ) Reporting of outdated or incomplete account data. 

15 U.S. CXXXXe XXXX Deceptive or unfair reporting practices. 

Consumer Financial Protection Act of 2010 Unfair, deceptive, or abusive acts/practices ( XXXX ). 

Metro 2 Format Guidelines Violations of standardized credit reporting framework. 

Applicable Case Law : XXXX v. XXXX  XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : A CRA must do more than simply accept a furnishers word. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) : Reiterates obligation for accurate, non-misleading reporting. 

XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Reporting misleading info, even if technically correct, can violate FCRA.

Company response to consumer: Closed with explanation